23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX ; XXXX, living soul and Executor for the estate of, am writing to dispute several items on my credit report, which I believe contain inaccurate information, and violations of federal trust laws. These inaccuracies are causing significant harm to my financial standing and reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that these inaccuracies be corrected promptly. 
The estate in question with associated social security number is FULL NAME : XXXX XXXX XXXX : XX/XX/year> LAST 4 OF SSN : XXXXXXXX ADDRESS : [ XXXX ] XXXX XXXX XXXX XXXX, XXXX [ XXXX ] Any and all names, addresses and employers listed outside the authorized information given by the estate in the above information is to be REMOVED IMMEDIATELY, anything that remains on the report after the request investigation will constitute trespass and you will be fined {$55000.00} USD for EACH inaccurate listing still remaining. 



The accounts in question are listed below as well as highlighted in the report attached. 
LATE PAYMENTS BEING UNLAWFULLY REPORTED : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS UNLAWFULLY REPORTING CHARGE OFFS OR THAT HAVE BEEN SOLD TO 3RD PARTIES HAS BEEN HIGHLIGHTED IN THE REPORTS ATTACHED and listed below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, XXXX, and Equifax regarding inaccurate negative reports on my credit report. I specifically requested XXXX to reinvestigate these claims, as I believe I was wrongfully accused. Despite my efforts and having the necessary paperwork to support my case, the issue was not reinvestigated. I want to resolve this matter amicably and without resorting to legal action, as I believe a fair review will clarify the inaccuracies on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made three requests for Lexington Law to provide copies of the dispute letters sent on my behalf. The first attempt was made on XX/XX/XXXX. I contacted them so I could see proof of work. They provided me a copy of most of the letters they stated they sent except for the one for XXXX XXXX XXXX. I contacted them on XX/XX/XXXX to notify them that the letters they sent on my behalf for XXXX XXXX XXXX were absent along with XXXX others but the one I most wanted XXXX is the one I needed a copy of. The consumer service agent stated she would send it and that I would have it within 48 hours as it must have been an oversight. Well on XX/XX/XXXX I still hadn't gotten the letters so I called them again as they failed to reply to emails that were sent on XX/XX/XXXX and XXXX. The customer service rep promised I would have those letters by XX/XX/XXXX as she saw where my request had been moved to the escalation department. On XX/XX/XXXX I followed up as I still hadn't gotten copies of the letters sent to XXXX. I spoke to numerous call center personnel from XXXX XXXX to XXXX each transferring me to Lexington Law 's escalation department and each time the agent in their escalation department would hang up during mid-conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I didn't receive the service I purchased, which was to have access to my credit report information that a financial institution would be accessing. What I was given was some over inflated scoring model that in no way represented the score that is used by FI 's when making credit decisions. Once I realized this, about 24 hrs after signing up ( XX/XX/2020 ), I contacted Transunion and canceled the service and requested a refund XXXX XX/XX/2020 XXXX. I was provided the refund within 48 hrs of canceling the service ( XX/XX/2020 ). However, the following month I was yet again charged the monthly transaction charge for the service on XX/XX/2020. I contacted Transunion again and they agreed I had canceled the service and that they would refund the fee and ensure no future charges were deducted from my account. On XX/XX/2020 I was charged AGAIN the monthly service fee, which then overdrew my account as it was an unauthorized charge that was not planned, which in effect caused an additional overdraft costing me in total 2 NSF charges totaling {$70.00} ( {$35.00} a piece ). When I called Transunion for the 3rd time on XX/XX/2020 the representative told me that I had been charged because I had re-established my service with Transunion. I obviously NEVER re-established this service with Transunion or authorized any charges to my account after the XXXX process. While the representative yet again " canceled '' my account even though I had never activated an account ( and provided a transaction ID as the previous 2 representatives had ), they have declined to cover the overdraft fees ( {$70.00} ) which I incurred as a result of them processing unauthorized transactions to my account. In addition, I have ZERO confidence that my account will not be charged again as this is clearly a scam of some sort where no matter how many times you cancel the service, as long as they have an active card on file they will continue to attempt to charge your card for the monthly service fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, XXXX, and XXXX. Please remove the following fraudulent inquiries from my consumer credit file. You are in violation of 15 US Code 1681. Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX, please remove the following fraudulent account from XXXX XXXX  from my credit profile as well. XXXX XXXX Account Number : XXXX This is account is not mine. Please remove it immediately. Please remove all fraudulent student loans from both my XXXX and XXXX profiles.
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 Account Name : XXXX XXXX XXXX XXXXAccount # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX-Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX-Account # XXXX Account Name : XXXX XXXX XXXX-Account # XXXX Account Name : XXXX XXXX-Account # 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 and 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

I have made several attempts to let Credit acpt ( {$13000.00} ) know I have no legal obligation to pay a debt to them. I have never signed a contract agreeing to pay this company nor have I never done business with this company yet this company reports inaccurate unverifiable information to the credit bureaus. Not only is this damaging, it is fraudulent. The company continues to send debt letters and contact my phone after I asked them not to. This is harassment and a violation of my rights. Even after writing in to the company
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit management balance {$130.00} XXXX XXXX XXXX balance {$110.00} In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

Each of these companies reported a charged off on my credit report since the respective dates shown below, however, they have each failed to provide me with a XXXX for my own filing. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date account closed : XX/XX/XXXX. 
XXXX owed = {$XXXX} Actions taken by the company : They continue to report it every month of my credit report. They last verified it on XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date account closed : XX/XX/XXXX. 
XXXX owed = {$XXXX} Actions taken by the company : They continue to report it every month on my credit report. They last verified it on XX/XX/XXXX. 

The XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX Date account closed : XX/XX/XXXX. 
XXXX owed = {$XXXX} Actions taken by the company : They continue to report it every month on my credit report which was verified on XX/XX/XXXX. Even though it was last verified since XXXX, it continue to show on my credit report.
Product: Debt collection

The following case has been filed before this. The case # XXXX. The problem is the last resolution that was sent from the company had the wrong amount of money owed backed to me. The total garnishment they took was {$4600.00}. They had since sent a check in the amount of {$3000.00}. I was asking for a remaining balance of {$1900.00}. This is to equal the amount of {$5.00}, ooo.oo. The balance over the garnished amount was for loss wages and mail correspondence to be reimbursed. I denied the companies resolution, they reversed the amount shortening me {$20.00}. This should of been paid months ago. It is now ordered they should only be fair and pay interest on this money they refuse to send me. I believe thee rate they were charging me for garnishment was 12 %. I believe that is what I am owed. They had stalled for 3 months. 3 months at 12 % if {$1900.00} equals {$940.00}. Please have then send a new contract I will gladly sign. They have to get a new way for me to send it. I do not live I a big city and do not have access to a XXXX drop box. The nearest one is 45 minutes away. I believe I should not have to spend any more money on the account they garnished and deemed fraudulent. The total amount owed to make this whole is {$2900.00}. Note I have all documentation already submitted in previous complaint. The proof of amount garnished from my XXXX XXXX. Thank You.
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 rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion and XXXX to reinvestigate these accounts : XXXX FORMERLY XXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 USC 1681 section 602 A. 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 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 USC 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

My pii was taking bank account was open with out me know or coming into the branch I havent had a bank account for five years or more my taxes was being transfer into that bank that I never know of and a police report have been made on usaa my phone have been publish email taking over as well by XXXX XXXX XXXX
Product: Checking or savings account

Apparently the " Risk Department '' of Bank of America has placed me and my XXXX XXXX business on some type of " blacklist '' back in 2014 ( more than 8 years ago ) prohibiting and preventing me from opening a small business checking or savings account there. 

Not only that, but according to the woman servicing us and trying to open our bank account ( XXXX XXXX XXXX and her XXXX Florida on screen cohort ) they would not even tell us what the problem is/was. 

This is wholesale illegal, unethical, immoral, and a complete and total denial of our ability to conduct and transact business and is incredibly humiliating and scary as well ( they did this in front of my wife when we were at the bank together ). 

Please remove this illegal and unconstitutional " blacklist '' from me and my XXXX XXXX  tax ID and social security number, certainly 8 years after it was apparently " entered, '' and find out who exactly the XXXX XXXX were who did this, and punish them legally and equitably, most severely.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX, XXXX USD from my Bank of America account to fraudulent investment firm ( s ).
Product: Debt collection

I have been repeatedly called from a Company stating I owe them a debt that I have never incurred a debt with. They have called my personal phone, my husbands, my childs, both my parents, and my work! They have sent out texts to all these phones asking of my whereabouts. They are stating I owe them {$1300.00} plus dollars. In which I do not owe!
Product: Credit reporting, credit repair services, or other personal consumer reports

My DOB is wrong on my Equifax credit report and multiple previous addresses are listed that I have never lived at.
Product: Mortgage

The date they sent me notification that my home was now in XXXX flood zone. They sent the letter on XX/XX/XXXX. Considering the holidays, I would have received that letter the XXXX week of XXXX. I immediately purchased and paid in full for a flood policy on XX/XX/XXXX ( Receipt dated XX/XX/XXXX ). Because this is a brand new policy, a XXXX wait period is required meaning that the flood insurance effective date, although paid in full on XX/XX/XXXX, is XX/XX/XXXX. 

Chase is trying to force place insurance for XX/XX/XXXX to XX/XX/XXXX in the amount of {$17.00}. Having a lapse in coverage/forced place insurance can affect my ability to secure future insurance policies and also impact the cost negatively. This is not a fair practice or customer experience. XXXX updated my home as in a flood zone and Chase sent me a letter on XX/XX/XXXX. I immediately/timely paid in full for a flood policy by XX/XX/XXXX. I have not control of the insurance company requiring a XXXX day wait period and, from my conversation with the XXXX XXXX  agents, that is a standard practice for all new polices, for any carrier. Please assist in having Chase remove the force placed policy. another secondary issue is that I called into Chase and asked to speak with a supervisor. I was put on hold for XXXX minutes and then the agent disconnected the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate and unverifiable item on my XXXX, Equifax, and XXXX XXXX credit report. The account in question is a charge-off reported by XXXX XXXX , with the account number XXXX. This item is listed under adverse accounts on my credit report and is damaging my credit standing. 

I request an immediate investigation into this matter under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. According to the FCRA, all information reported to credit reporting agencies must be accurate, complete, and verifiable. If XXXX XXXX can not substantiate the accuracy and completeness of this account with documented evidence, it must be promptly removed from my credit report. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( b ), my right to privacy regarding my personal financial information is protected. As such, I am requesting that any information that can not be verified be immediately deleted, as retaining such unsubstantiated data violates my rights under federal law. 

Please provide a written confirmation that this item has been deleted from my credit report within 30 days of receiving this letter. If you need further information, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : ( XXXX XXXX and Account number : XXXX ) Your company is in clear violation of the law. Under 15 USC 1681b - 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 ; Delete the above late payments 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 ]
Product: Credit card or prepaid card

Unauthorized use of hard credit pull. Specifically instructed not to have hard inquiry.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my TransUnion Credit Report that I did not authorize and are fraudulent. 

The following inquired that need to be removed are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Navient XXXX continues to call even after I have informed them the individual the are calling for does NO exsist at the number they are calling. I have spoken with XXXX representatives and informed them the number they are calling is mine. I have had this number for 24 years and to PLEASE stop calling. Now I get calls2 to 3 times daily and on Saturdays and Sundays. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents DEPT OF EDUCATION/XXXX Account Number XXXX. DEPARTMENT OF EDUCATION Account Number XXXX XXXX DEPARTMENT OF EDUCATION Account Number XXXX Addresses XXXX XXXX, XXXX, LAXXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inaccurate ( XXXX ) XXXX Inaccurate Employers Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXXL * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payment DEPTEDNELNET - FCRA violation Never late {$8500.00} Balance updated XX/XX/2020 3 late payments Account Info Hover over labels for more details Account number XXXX US DEPT ED - FCRA Violation Unknown Payment History - 2 {$38000.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed XXXXXXXX XXXX XXXXXXXX Closed account- FCRa Violation - Never late {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status ClosedXXXX XXXX XXXX - never late- FCRA Violation {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed