23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with Equifaxs or XXXX XXXX 's claims that theyve investigated this item. On my last certified dispute letter to Equifax dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof. Equifaxs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Equifax should delete this negative information. It has been a terrible experience dealing with Equifax. I have maintained a careful record of my communications with Equifax for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should XXXX XXXX and Equifax not remove this account from my Equifax credit reports. See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon. I am a real estate appraiser that has completed appraisals for Citi before. About 10+ years ago, during the foreclosure days, I was engaged by Citi to complete an appraisal for a refinance. The subject was 1/2 mile from my office. If anyone knows the comparables and area it would be me as this is the area I work and live in. They sent me a letter telling me that I completed an appraisal and they had a review done. I don't know who reviewed my work or if they were even competent in this area. This rural area of Michigan only has a couple resident appraisers, me being one of them. They told me that I should have used different comparable sales based upon a review they had. They didn't provide the sales they thought I should have used. They told me I had one chance to explain myself and didn't provide enough information for me to respond. I needed more information to formulate a proper response. I wrote them back and asked them to please provide me with more information and if they could tell me what comparables their reviewer thought were better, I would be happy to explain why I didn't use them. Instead of giving me information so that I could properly respond, they wrote me back saying that was my one chance to respond and now I am blacklisted from future work with them. I considered filing a complaint however at that time I was so busy with work I didn't have the time to handle it. The blacklist does effect my future work opportunities as it is published for other lenders to see. I work very hard to do the best appraisals & I have been appraising for 23 years. I do not feel I should have been blacklisted as the appraisal was very good and I stand by it. Citi shouldn't damage an appraisers name without allowing the appraiser to properly stand up for themselves. I've worked for numerous banks, credit unions, attorneys for 23 years and have never been removed from any lists besides CITI. I have never been in any kind of trouble with my state licensing board or any trouble period. I ask that someone from CITI Bank please take care of this and remove my name from any of their blacklists that damage my reputation. There are other banks that use the Citi Blacklist as a guide for which appraisers not to use. Thank you for your time and please let me know if there is anything I can do to clear my name. I'm happy to do what it takes! Thank you! If you need the documents sent to me by Citi I can look those up and provide them.
Product: Credit reporting or other personal consumer reports

According to Credit Karma ( as of XX/XX/year> ), my XXXX XXXX XXXX shows XXXX. However, I applied for an auto loan with my financial institution yesterday ( XX/XX/year> ) and was denied because I was informed my XXXX XXXX XXXX is XXXX. I only applied because of what was shown on the Credit Karma website. It was a hard hit on my credit score. Before applying for the loan, my financial institution informed me I needed a XXXX for approval but I was misled by Credit Karma 's website. Please help.
Product: Debt collection

I AM THE VICTIM OF IDENTITY THEFT FOR A LEASE AGREEMENT. XXXX IS OWED FOR THE XXXX XXXX XXXX XXXX  TX. THE ADDRESS IN QUESTION IS  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. THIS WAS PLACED IN COLLECTIONS ON XXXX THIS IS NOW UNDER COLLECTIONS WITH COLUMBIA DEBT RECOVERY LLC DBA GENESIS - XXXX XXXX XXXX XXXX WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this dispute in reguards to a credit report on a XXXX XXXX Account. On XX/XX/XXXX I wrote to all 3 credit reporting agencies on a problem about this account. Now within 30 days I get back that all 2 stated that the loan was verified but 2 stated that everything was correct and verified which were XXXX  and Experian. Now Experian states as of XX/XX/XXXX there was no data to be reported but XXXX  stated there was 120 days late reported on my report. Now between these two reporting agencies there is a mix of information but nothing correct. XXXX  wrote back removing that account because they could not verify the account but the other two stated it was verified. I wrote XXXX XXXX about this matter and ask them to provide proof of said account. Well the time they said has come and go and I also wrote them another letter with no response. The more I piece this all together is that Experian and XXXX  did not verify the account as they claim. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the account in question. Your failure to positively verifiy this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me verifiable proof, you must remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance {$5400.00} XXXX XXXX Balance {$1300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$3100.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance {$25000.00} XXXX OF XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the account still remains on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of accounts that are reporting inaccurately needs to be removed : XXXX XXXX - XXXX Balance {$220.00} ; XXXX XXXX - XXXX Balance {$0.00}
Product: Debt collection

Designed Receivables is reporting debt that were discharged in Bankruptcy. Also, I paid XXXX bills, and they said that they would Keep reporting them as unpaid until ALL the bills were paid. And I do n't even know if I truly owe them. I have great insurance through XXXX XXXX, and I do n't believe that I owe them so many bills. They are single-handedly ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. mishandled personal information including my name, social security number, birthdate, address, and driver 's license number. I verified my data were affected by using the Equifax website at www.equifaxsecurity2017.com ( screenshot attached ).
Equifax Inc. has put me and millions of others at increased risk of identity theft.
Product: Debt collection

Hi there Portfolio Recovery has been literally harassing me daily via my phone # regarding a debt that was paid off in full via a settlement agreement in the very early XX/XX/XXXX 's ... ... yes thats correct over 15 years ago!!! They contacted me back aroundXX/XX/XXXXish stating I needed to pay this debt ( which I had with XXXX, we came to a settlement agreement ) I told them this and when I got something  in the mail from them stating that I owed ( actually more than what was really originally owed ) I sent a certified letter back with all of the info on the debt and it had been resolved and it just stopped ... ... NOW, they are calling me constantly again ... almost 10 years later!!!! I have since moved and discarded all of the stuff as seriously .... its been over 15 years and I had heard nothing more so, why would I have kept something like that? I tried explaining this to the last fellow that called me ( on my cell no less ) and he was very belligerent .... cursing, even called me a liar and told me to pay my XXXX bills. I hung up on him ... .. I did find it odd that the lady I spoke with last week ( who was just as rude ... but did not yell at me ) had the date of this debt as XX/XX/XXXX instead of the original XX/XX/XXXX. I, # 1 dont think that is legal and # 2 I still think that is out of the actual time frame that they can harass me correct? I am furious that I am being harassed for a debt that # 1 was settled over 15 yrs ago & # 2 was almost 20 yrs old now .... What the XXXX??? Also this time I have received nothing in the mail .... only the harassing phone calls!!!
Product: Mortgage

I started my loan modification with Rushmore Loan Management Services in XX/XX/XXXX, We had come to an agreement just before the sale date of the house. The only problem was that I had never consulted with a Attorney, and I was afraid to sign any paper. I went and saw a Attorney and they suggested bankruptcy to stop the sale. Now Rushmmore will not agree to the original terms in XX/XX/XXXX, which was {$7500.00} and {$1500.00} per month for 3 month at that time a final modification if I was current. One week ago I gave them {$20.00} down and they raised my monthy payment {$2500.00} per month, setting me up for failure again. This is the payment I had before and was not able to keep up with it. I do n't understand this is no modification. My father use to help with the mortgage payment, since XX/XX/XXXX he XXXX at the age of XXXX, now he is XXXXyears old and all his social security goes to XXXX expenses..
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX XXXX XXXX are invalidly reporting account balance and status my balance with XXXX XXXX XXXX is not XXXX the account is not closed.
Product: Debt collection

I sent a letter out to the collections agency in regards to a debt on XXXX XXXX by certified mail after receiving insufficient proof in regards to a debt that isnt mine. I wrote the debt collector to let them know that they have failed to provide proof of ownership. I was only sent a billing statement with no breakdown of what this money was for or anything that proves that I am the one that owes this debt. This has caused me financial distress because I am unable to obtain credit because of this collection that doesnt belong to me. 15 usc 1692 a ( 6 ) states that under written request, I, the consumer can request validation of alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete this address, XXXX XXXX XXXX XXXX XXXX, CO XXXX from my Credit Report for inaccurate residential information because I have never lived at this location. My address is XXXX XXXX XXXX XXXX XXXX. 

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

Also 15 U.S.C 1681 section 604 A Section 2. states, a consumer reporting agency can not furnish an account without my written instructions. 

According to the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally demand the deletion of the following accounts from my credit report, as they violate my federally protected consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) 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 Upon reviewing my TransUnion credit report dated XX/XX/year> XXXX I identified these accounts as either inaccurate or unverifiable. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. 

Moreover, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation must be **deleted** from the consumer 's file promptly. I am invoking my rights under this section and formally requesting that these accounts be deleted from my credit report immediately. 

Additionally, 15 U.S.C. 1681s-2 prohibits furnishers of information from reporting any data they know or have reasonable cause to believe is inaccurate. These accounts should not continue to appear on my report, as they fail to meet the legal standards for inclusion. 

Please confirm the deletion of these accounts in writing and provide me with an updated copy of my credit report once these deletions have been made. 

Thank you for your prompt attention to this matter. I look forward to your swift confirmation that these issues have been fully resolved. 

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

I decided to check my credit report some time ago and I wanted to point out that XXXX has been participating in XX/XX/XXXX activities and hasXX/XX/XXXXduties as a financial institution. XXXX XXXX XXXX XXXX ( a ) states that any fiduciary that breaches any of the responsibilities, obligations, or duties imposed upon fiduciaries by this subchapter shall be personally liable to make good. According to the United States XXXX, no transactions of mine should ever be reported to any third party. Who gave you all any permission to report any information about my XXXX account that I had many years ago, and the additional boldness to continuously declare up until this time to claim fraudulently that you have received insurance payments by updating about the account status that should not be there in the first place. This financial institution is masterminding along with the credit reporting agencies to acquire my XXXX XXXX and furnish it to damage my name willingly and falsely update the information and resetting the time of removal naturally. Let this be my official complaint. Your policies and corruption do not over see the LAW of the UNITED STATES OF AMERICA. I will be reserving my rights of litigation that are allowed by the law up to the amount of {$1000.00} for each violation. Not only to the financial institution but also against XXXX, XXXX, and Experian for furnishing inaccurate and incomplete information and participating in XX/XX/XXXX
Product: Student loan

I have called Navient and formally Sallie Mae many times to get some of my interest rates lowered. I have XXXX private student loan that is 12 % interest! It's so demanding that I will never pay it off.
Product: Debt collection

To Whom it may concern, This letter 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. 

XXXX XXXX  XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts 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. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

This letter is regarding account # XXXX, which you claim I owe you money. Please REMOVE this account to from all Credit Reporting Bureaus. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on any of my credit reports from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within XXXX days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of { {$5000.00} } in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
- Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX - Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all companies that should not be on my hard inquiry XXXX account because I did not consent.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 a XXXX XXXX Bank XXXX Credit Card was opened which exceeded its {$300.00} limit with a total charge of {$530.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
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 XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged for something I did not order. The bank insists I made the purchase, ignores my requests for them to provide me with their " proof '', ignores the information i provided which supports my claim that I did not purchase the product. 

I am submitting to you my full explanation to the bank, which explains the details.