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

DEAR CFPB ; CRA 'S ; XXXX  XXXX XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I honestly do not believe to ever have any relationship with this collection agency or original creditor. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

In receipt of the result of the first investigation from Equifax dated XX/XX/2022 from my request years ago, they said in writing that the accounts are verified being reported correctly without providing me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

They also failed to provide me the method of verification s required under Section 611 ( a ) ( 7 ). As per Section 611 ( 5 ) ( A ) of the FCRA, they are required to delete all information which cant be verified. These accounts are : XXXX CARD SEVICES XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX CARD SEVICES XXXX I have attached the letters that I have sent and the letter that I received from them together with the screenshots of the inaccuracies and errors on the report.
Product: Mortgage

Was informed I was mailed mortgage modification by mail and I broke the agreement by not making the required payments. I did not receive the Trial modification agreement by mail. I have spoken with customer service to let them know this. I also found out my mortgage loan is a line of credit that can not be modified because of the type of loan. 
I trusted Wells Fargo to give me a XXXX FHA loan , but they did not. Wells Fargo should be investigated for deceiving me and putting me in this position to lose my home to foreclosure. My mortgage assistance request has been sitting in the intake dept, with Wells Fargo. They refuse to process my mortgage assistance request. I have not received a foreclosure letter from the foreclosure attorney. I was told about the foreclosure by a person that contacted me to purchase my home. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some negative Items in my credit report and dont belong to me XXXX XXXX Account Number : XXXX ALLY FINCL Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I was billed for a purchase made on XX/XX/20 ref # XXXX for XXXX from a company that doesn't exist except on the internet called XXXX. I tried contacting XXXX they wouldn't reply. I disputed the charge in XX/XX/20 with Bank of America. They advised me they would not remove charge. I contacted my Attorney General office, XXXX would not reply to them. I want my XXXX.
Product: Debt collection

I received notification through my credit monitoring company on XX/XX/2020 that HMC Group has reported a collection account to my credit reports. Before this day I had never heard of this company. I have not received any documentation nor any phone calls. I had no notice of who they were or how I owed them. I do believe that there is a law in place that requires collection agencies to notify me and to give me time to dispute and to give me notice before they place an account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made XXXX payment regular payment .carrington called said payment changed because of escrow changes. I paid the difference over the phone. This is not a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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
Product: Checking or savings account

My daughter sent me {$200.00} sent through XXXX messenger. The bank received the payment reflected when I called the bank information line. At time of receipt I was overdrawn {$1.00}. And change. Leaving my available cash {$190.00}. And change. I went to the ATM and withdrew {$60.00}. Upon calling my bank I realized that I was now overdrawn XXXX. I called my banks help line only to find there is now no record at all of the {$200.00} transfer. I was told by the first representative that they use their discretion whether or not to give you the money at the ATM. When speaking to her manager he stated not true only if funds are available will you receive money at the ATM. But still no record of the money. I explained # 1 only if money was available would money be given at ATM. # 2 only  if money recorded would money be available. # 3 Mony should have simultaneously been given at ATM and taken out of account. So at very least {$60.00} and fee should be shown. This bank has held checks for more than 10 days trying to lead you to believe you have more funds available. They have taken money for a payment and placed it back into my account trying once again to make me believe I have more funds available than I think. My sister who also banks with them can verify this. She purchased XXXX tickets for XXXX day which were taken out of her bank. When she called the info line a few days later it was showing back in her funds. I have been with this bank for several years and they made me sign a new contract with them because my old contract gave me many perks. I have been through several years of the preceding but never had my money stolen right from within the bank. They received the money made it available which is proven by the ATM withdrawal and there records have nothing about the deposit at all. I had-1. And change and now have - XXXX. And change along with charges daily. I appreciate any help you can provide. PNC Banks
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get the Experian agency to update my credit report. Experian is still reporting one year old reports that have been paid off in XX/XX/2017. I have paid off several items they report as unpaid. It is impossible to call Experian as I have tried many times and they ignore my online messages. I don't know what to do. XXXX and XXXX keep updates perfectly and my credit scores are well over 700. Experian has me in the low 500 because they will not bother to update. This is affecting my life terribly. Please ask then to do their job. Thank you!
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting 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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I would love to know how Experian is verifying this information. 2 collection companies XXXX XXXX  and XXXX XXXX, somehow they can verify debt with experian, but now with me or XXXX  or XXXX. Both of these collections were removed from the other reportimng agencies but miraculously experian are the only ones that can verify it. I've called Experian to dispute they fight you on it, and just say its already been verified, you ask how ... crickets they just say it's already been verified. I want to know the method. Seems like Experian just take the word of the commissioned junk debt buyer, while the other bureaus actually make them provide proof. I even actually sent Experian the proof of it been removed from the other bureaus.
Product: Debt collection

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act. XXXX XXXX I OWE {$1200.00} DATE OPEN XX/XX/2023 & XXXX XXXX I OWE {$1700.00} DATE OPEN XXXX are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts on my credit report are reported incorrectly. Nothing has been done about this to resolve it. It is causing me great distress in getting approved for loans.
Product: Payday loan, title loan, or personal loan

So on XX/XX/2020 I had bought a high ticket item off XXXX for XXXX using Klarna as the lender. When I received said item it was not as described. I had gotten scammed and fraud by somebody online. They had changed my name and my address on there to hoping I wouldn't get it and would lose the package and all my money. I was able to get the package from the post office. I opened the package and it was a bunch of fake cards in there I had recorded the opening because the cards were not welt felt like they should have been. I have records of the call logs and messages on XXXX. I called Klarna to get my money back and said they don't and you can only get the money back from the platform or the seller. So I told them to freeze the money and they did. I opened a case with XXXX  and they closed it. Because they said I did a chargeback which I didn't all I did was freeze payment closed the case I have been going back and forth with them to get my money back and Klarna has been no help at all. I'm losing XXXX, I'm stressed, Im getting XXXX, and XXXX  over this. I just want to get the refund and move one. I'm stuck in a rock and hard place and nobody seems to help and it isn't right at all. I even reported for mail fraud with united states postal inspection service and also reported with my attorney generals office. I have all the evidence and even still have the packaging. I Just want Klarna to do what is right and I can get my money back and move on. I have video evidence of me opening the package and I still have the package in my possession as well.
Product: Checking or savings account

I opened my business banking account for XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX THE MONTH OF XXXX XXXX 2022. Today XX/XX/XXXX of 2022  my account is overdrawn by {$320.00} all of NSF fees ( non sufficient ). I have not overdrawn this account since I had it this is rediculous. I am requesting to have these fees waived and for my account to be back positive. I do not have the funds to pay this right now regarding inflation, and being a single parent of 2 to pay these fees.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates XXXX and XX/XX/year>. Please investigate and provide proof with statements showing these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house, but then I realized that I had damages on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my report. it is a defamation my character. 

I am wanting to dispute these inquiries to be deleted because I did not authorize these companies to run my credit, they are fraudulent.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : ABSOLUTE RESOLUTIONS INV Address : XXXX XXXX XXXX XXXX # XXXX XXXX, MN XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX, TX XXXX Dear Absolute Resolutions Investments, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.