23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is the 3rd complaint regarding my mortgage servicer and their inaccurate credit reporting. Despite repeated assurances they continue to report me delinquent on my account to all 3 credit bureaus. Additionally, they are reporting different information to each bureau most of which is inaccurate. It is clear that this action is intentional as I've invested countless hours attempting to resolve it directly with their agents and supervisors yet it continues to occur. Additionally the servicer is attempting to circumvent regulations by removing XX/XX/90 day delinquencies but stating that the current payment status is XXXX days late. I have now been harmed financially directly by their actions and will be left with no choice but to pursue legal action as a result.
Product: Debt collection

On XXXX XXXX I submitted a certified letter to the company Pro Collect INC demanding to be shown verification that this debt is valid or I asked them to delete the debt. I did not hear back from them in the 30 days required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus numerous times informing them that account for XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a XXXX XXXX Account showing a XXXX XXXX amount of {$1500.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations as well to which it is severely hurting my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I am writing to formally dispute certain information that has been reported on my credit file under the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681. It has come to my attention that certain data has been reported by your agency without my explicit written consent to either furnish or obtain my personal information.

Pursuant to 15 U.S.C. 1681b, a consumer reporting agency is prohibited from furnishing information about me without my written consent, unless a permissible purpose exists under the law. Furthermore, I have not given any authorization or consent for the reporting or inquiry of my information by the parties involved. I respectfully request that you conduct a thorough investigation to verify the accuracy of the information and ensure it has been reported in compliance with federal law.

In light of this, I am requesting that you immediately : 1. Investigate the validity of the reported information in accordance with 15 U.S.C. 1681i.

2. Provide evidence of my written consent for the disclosure or inquiry of my credit information.

3. Remove any unauthorized inquiries or accounts from my credit report.

Please note that if you can not provide proper documentation or proof of consent, I expect the information to be removed from my credit file promptly, in accordance with the Fair Credit Reporting Act.

I would appreciate your written response within 30 days, as required by law. Should you need any additional information to process my dispute, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello All, This complaint concerns the three Credit Bureaus as XXXX XXXX and Experian. 
All these years I keep all my balances very low. As low as possible. I pay off all of my credit card balances every month on time. Not even missed one! My credit utilization rate is 5 % or below that while, the standard recommendation is under 30 %. However, my credit score remains under 710 without any logical explanation to justify this result. I strongly believe that the three bureaus handle mistakenly this score, creating a deviated image from the normality which I would expect to be more than 740 for my case. It is of great significance to me that the three bureaus correct this abnormality and restore my real credit score because that affects my financial life. 
I thank you very much. 

Much appreciated, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXXan disputed account ( XXXX XXXX XXXX ) was deleted from my credit report, However, as of XX/XX/XXXX the same account has been reinserted without my knowledge nor consent. The FCRA specifically says " that information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. In addition, the consumer reporting agency is required to send the consumer written notification within five ( 5 ) business days that the information has been reinserted, and provide contact information for the company that furnished the information, and they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports of information that is deleted. I would like this account blocked permanently or I shall file suit against the credit reporting agencies, I was not notified of anything and this account ( XXXX XXXX ) has been deleted for over 2 months, way passed the allotted time frame allowed by the FCRA.
Product: Debt collection

I am disputing a collection account that does not belong to me. 

The collection account appears on my credit report from all three credit bureau 's. The account in question is from a collection agency named National Credit Adjusters. The amount this company claims I owe them is {$780.00}. 

I have made contact with National Credit Adjusters and all three credit bureau 's to request proof of validation. 

My first request was made XX/XX/XXXX. As of today, XX/XX/XXXX, neither the collection company or any three of the credit bureau 's has validated this account. They have failed to provide proof that this account belongs to me. 

After multiple requests, I would like to request assistance from XXXX and possibly take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ACCOUNT NAME- XXXX/DEPT OF ED : # XXXX ; ACCOUNT NAME- XXXXDEPT OF ED : XXXX XXXX ; ACCOUNT NAME- XXXXDEPT OF ED : # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXXDEPT OF ED, XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXXDEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXXDEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

N accordance with the Fair Credit report Act XXXX account XXXX capital one has violated my rights. 

15U.S.C 1681Section 602 A.States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also Stata consumer reporting agency can not furnish an account without my instructions
Product: Debt collection

I called in XX/XX/XXXX and was told to verify my debt of {$1200.00} with the original debtor and/or Insurance company. Neither one could give me a bill or procedure that was done. Somehow Fidelity Collections was able to verify through the collection agencies, but I was never given any debt validation from them. 

I called XX/XX/XXXX and talked to XXXX XXXX and asked for validation again. I was told a balance of {$1200.00} from the hospital and was told I would receive verification of the debtor and amount but nothing else. XXXX told me to call the original debtor and Insurance company to find out the details. I have not received anything from Fidelity Collections and the hospital and insurance again confirmed they can not get me records for that date and or amount. 

This matter is hurting my Credit Scores and I have no way of clearing it up with the hospital and or Insurance. XXXX XXXX and Fidelity Collections is refusing to remove this item from reporting to credit scoring companies and help resolve the billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Call regarding the updating of my account to the three major credit beaureaus. 

Called 3 times in XXXX  and again in XXXX  and was told they already updated my account info to the credit company
Product: Debt collection

Received calls every XXXX days from Bill collector, when I answer the call gets disconnected. No voicemail is left when I do n't answer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my Equifax credit report, and I noticed some Inaccurate accounts posted on my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please delete and block from my credit report immediately 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please delete and block from my credit report immediately 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please delete and block from my credit report immediately 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please delete and block from my credit report immediately 5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please delete and block from my credit report immediately Your company is in clear violation of the law. Under 15 USC 1681b - the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above inaccurate accounts from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Mortgage

The loan servicer refuses to provide past escrow accounting starting from the origination date of my loan. They refuse to send me my money if there are overage disbursements.
Product: Checking or savings account

Capital one not depositing paycheck. Bill are due and my children need food
Product: Debt collection

I have spoken with Procollect and asked them to verify the debt they refused & told me to send them what evidence I had to verify the debt being false. I in return sent a certified mail Debt Verification Letter to the Company ( back in XXXX ) and never received a response which was to be expecting considering the debt they are attempting to collect isn't mine, The Original Debt refuses to send an proof of debt & is no longer in business & all prior management/staff no longer are employed there. So after months & months of being harassed, fraudulent charges and documents forged, monetary amounts unverifiable requested proof & after no response with my Debt Verification Letter this needs to be removed from my credit immediately im the one being hurt and disrespected continuously and consequences need to be brought upon the party involved. This is unacceptable and the business practices of these two companies is illegal and no one should have to be put through this disgusting type of harassment & outlandish accusations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has sent negative information to the XXXX without my written consent : as well as my authorized users. I have never given written consent to send any info to a third party. This has caused problems for me to obtain anything for my future, has caused XXXX and XXXX in my life.
Product: Mortgage

I took out a RE secured NOW Account with Wells Fargo Financial Services after being asked to close XXXX times on the loan because information needed to be changed. In XXXX 2007 I wa forced to file Chapter XXXX which then converted to Chapter XXXX. Years later Wells Fargo reported the discharged RE Secured Card on my credit report as in a late status. Finally got Wells Fargo to remove the reporting with I have been told violated my FCRA rights and I suspect US Bankruptcy Laws. I pay them Principal payments since Chapter XXXX. Can not get statements or other information. Tell me the loan has been charged off and is not in their loan account systems. Recently read about WFFS consent order. Tell me my loan not included. Suspect these BK Loans charged off and tracked off system were never examined
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 15 USC 1681e ( b ) Accuracy of report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXX # XXXX ], are not complete and accurate.

In addition to 15 USC 1681e ( b ) according to 15 USC 1681s-2 ( a ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I  had the right to demand that each credit bureau disclosed to me all of the documents that they should have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I have asked them several time to please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in their files that were used to verify them. If they did not have any documentation in their files to verify the accuracy of these disputed accounts listed below for each of the credit reporting bureaus then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

As a consumer under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they were unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of this compliant then they must remove these accounts from my credit report. 

I requested each credit bureau to please provide me with a copy of an updated and corrected credit report showing these items removed, I demanded the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : Please also remove all non-account holding inquiries over 30 days
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX XXXX account number ( XXXX ), XXXX XXXX account number ( XXXX ), XXXX XXXX account number ( XXXX ), XXXX XXXXXXXX account number ( XXXX ), XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX  account number ( XXXX ) XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX ) XXXX  account number ( XXXX ) XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Trans Union has included negative information reported by a third-party debt collection agency on my credit file, despite the fact that I never provided consent or signed any application authorizing this agency to report such information. I have requested proof of a signed application or contract, including my valid drivers license, but neither Trans Union nor the reporting agency has provided this evidence. This raises serious concerns about Trans Unions compliance with FCRA regulations regarding permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this information has negatively impacted my credit score and financial standing, causing undue hardship. I respectfully request that the CFPB investigate Trans Unions practices in this case and take the necessary actions to have this derogatory information removed from my credit report immediately.