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

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided 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 ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}.
Product: Debt collection

INTERCONTINENTAL CAPITAL GROUP doesn't interpret the law. INTERCONTINENTAL CAPITAL GROUP claims the consumer has no right to rescind due to the transaction not involving a principal dwelling but claims the transaction included an investment property which makes the right to rescind not applicable. According to Federal law 15 USC 1637a ( d ) the term principal dwelling includes any second or vacation home of the consumer. Federal law does not define what an " investment property '' is and also under subsection F which goes over transactions that are exempt from the right to rescind an investment property isn't listed as something exempt therefore it is not applicable. The Term Investment Property Can not be Found Anywhere in Contract With Consumer .... According to 12 CFR Part 1026.2 ( 24 ) a Residential mortgage transaction means a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer 's principal dwelling to finance the acquisition or initial construction of that dwelling. INTERCONTINENTAL CAPITAL GROUP claims this transaction did not involve a principal dwelling but says it was a residential mortgage transaction in which a residential mortgage transaction does involve a consumers principal dwelling i believe INTERCONTINENTAL CAPITAL GROUP doesn't understand what they are talking about and doesn't interpret the law correctly i would like this complaint escalated to the highest powers, INTERCONTINENTAL CAPITAL GROUP also claims this transaction is exempt from the provisions under 15 USC 1605. INTERCONTINENTAL CAPITAL GROUP once again fails to interpret the law as it expressly states under 15 1603 the subchapter doesn't apply to Credit transactions, OTHER THAN those in which a security interest is or will be acquired in real property, or in personal property used or expected to be used as the principal dwelling of the consumer and OTHER THAN private education loans ( as that term is defined in section 1650 ( a ) of this title ), in which the total amount financed exceeds {$50000.00}. which means credit transactions OTHER THAN these would not apply but since this transaction involves these criteria the subchapter applies to transaction questioned, therefore, isn't exempt from anything if the property wasn't intended to be consumers principal dwelling why were provisions of the contract state consumers obligation to occupy residence within 60 days as attached in attachments as exhibits PLEASE SEE ATTACHMENTS OF FRAUDULENT CONTRACT
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery is reporting an invalid collection they apparently bought from XXXX. 
Background : On XX/XX/2016 we purchased 3 XXXX phones that came with a {$300.00} gift card for each phone. We tried to redeem the cards at XXXX XXXX and were denied. We told XXXX about the situation. They told us to mail them the gift cards, and they would give us credit on your account. It was our understanding that our account would be cleared. Apparently they never applied the value of the gift cards, and charged us other fees and interest on the balance and are attempting to collect a debt that was not owed. They even sold the account to a collection agency which is dropping our scores and making it difficult to secure loans.
Product: Money transfer, virtual currency, or money service

Complain is in regards with the money that I sent to my family in the XXXX which haven't been claim yet I sent the money last XX/XX/2019 with name of XXXX XXXX XXXX the name was correct and the address, phone number but suddenly the account was enter was wrong i don't know why i report it to remilty that the account was enter was wrong them to correct but they tell me to contact the XXXX in XXXX. my Family in XXXX went to the bank they told her the account number that sent the money was not exist so the money was not sent to XXXX account they said that we have to contact again the remitly but remitly still insist that the transcation was completed been seeking for help for almost a week now still no answer which is so frustrating.
Product: Debt collection

I found a collections account on my Experian CR in XX/XX/XXXX. It stated it was for an unpaid XXXX Bill that was transferred to  SUNRISE CREDIT SERVICES on XX/XX/XXXX. I checked and my final bill was paid directly to XXXX on XX/XX/XXXX. I called XXXX who stated they did not show a balance nor did they send anything to collections. I submitted multiple disputes with XXXX on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. 

I sent proof of payment, a letter from XXXX, and additional backup on all occasions. 

SUNRISE CREDIT SERVICES call my place of employment on XX/XX/XXXX and spoke with a receptionist. The collections agency asked for me by name and when asked what the call was in reference to told her they were a debt collector calling about my unpaid cable bill. 

XXXX has repeatedly responded that SUNRISE CREDIT SERVICES " has certified '' to them it was correct, I have requested information on the investigation but they have not supplied them to me. Further SUNRISE CREDIT SERVICES initially reported this debt on XX/XX/XXXX. until recently, after I sent my proof of payment, updated the date of reporting to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME WAS USE TO GET MEDICAL PROCEDURES DONE ALSO USE FOR A LOAN THAT IS FRAUDULENT IN MY NAME SOMESONE USE MY SOCIAL SECURITY NUMBER ALSO HAS MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the quick deletions of the following items : XXXXXXXX XXXX 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 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

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Mortgage

My parents and I refinanced a property. We were not aware or told at the time of the mortgage signing that we would need to get Windstrom insurance. Eventually, after three letters that my father threw away, we were force-placed a policy in XX/XX/XXXX that lasted from XX/XX/XXXX to XX/XX/XXXX. This all was our fault. The problem begins here : we got our own policy put on in XXXX. While we were trying to get the mortgage company to update the policy, the insurance company cancelled a little over a month later for failing their inspection. We fixed everything and got another policy by XXXX. We got that second policy put on the mortgage and got a refund. The problem was getting the refund for the month of XXXX and XXXX. I had to call every week from XXXX through XXXX to get someone to help me. It was a nightmare because either they would promise to follow up and never would, or they would say I didn't have a refund to get. Finally after months, I got one person to listen. He followed up ( after constant emailing on my part ) and I got my money back. 

I have two other problems. One came in XXXX after we finally got them to put our insurance on the mortgage ( it took two months for them to put the policy on the mortgage ). Our payments had gone from ~ {$820.00} to ~ {$3000.00} with their force-placed plan. In XXXX they tried to auto bill me for the {$3000.00} ( their automated payments do not allow for manual adjustments, so it is on them to change the amount billed ). I told them I only had the money for the correct ~ {$820.00} payment in the account and not the $ XXXX. They told I should pay the charged amount and try to get a refund after. Absolutely not!!! They charged me a non-sufficient funds fee, which I got back after calling ( again, multiple times ). Lastly, I just got a letter in the mail saying they dont have me down as having insurance on my mortgage. I am exhausted. Of course I have insurance on it, I just bought the policy in XXXX. These people are relentless and I am so upset to be stuck with them. 

I am now trying to get hardship assistance for the coming months and I can not get through to their phone line or online application. They have drained my savings and now I fear not being able to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your letter on XX/XX/2021 related to the debt referenced above. I wish to save us both some time and effort by settling this debt. 

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 

I am willing to pay this debt for {$300.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$300.00} payable to Jefferson Capital in exchange to have all information related to this debt removed from all of my credit files. 

If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Jefferson Capital. The letter will be treated as a contract and subject to the laws of my state. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt.
Product: Credit reporting or other personal consumer reports

I have recently become a victim of identity theft. This unauthorized use of my personal information has led to several fraudulent activities, including the opening of the unauthorized accounts : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I would like to be contacted via email, phone call, or my P.O. Box. Chase Bank credited me in XX/XX/2021 for {$390.00} and some change. The case was closed after I provided evidence that could not be disputed. This Merchant has made mistakes before and the cancellation policy has NOT prevented me from being credited before because the liability was on the Merchant. Two weeks ago in XX/XX/2021 Chase Bank unlawful took {$390.00} and some change out of my bank account. I want Someone federally prosecuted for reopening this case without calling me and emailing me proof and taken {$390.00} and some change out of my bank account. People are obsessing over my private belongings and need to be arrested immediately without excuses. Thank you!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group, helping me due to XXXX XXXX, debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within 4 business days pursant to Section 605c, of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted! Company information : TransUnion Please delete all following accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

In spite of having a fraud alert on my accounts and my credit having been frozen for over XXXX years, Edfinancial services gave out XXXX loans to someone who has stolen my identity. The first loan was issued in XXXX 2024. I believe XXXX of the loans were for {$870.00}, and XXXX was around {$1400.00}. I need these loans and all the information affiliated with them deleted and removed form all credit bureaus. I need all student loan accounts that are in my name completely shut down as I have never had a student loan. I have filed a report with the police as well as the Federal Trade Commission Edfinancial services has been unhelpful- when I spoke to them they informed me that I will have to submit paperwork to get this fraud and identity theft reported and they would send me an email link as well as a paper form to complete this request. They have sent me neither, nor have they followed up with me in any way. I am hoping that you can help rectify this situation.
Product: Credit reporting or other personal consumer reports

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of XXXX, XXXX, and Equifax. I request you block accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter requesting that the its disputed be verified sending the documents used to verify these debts. XX/XX/XXXX the letter was delivered and I have not received respond. I have provided all the documents and the tracking confirmation that they received the letter on XX/XX/2021.
Product: Debt collection

A collection company lvnv is reporting XXXX accounts under collection that are zombie debts. LVNV created a reporting date of XXXX 2015 that is well past the statue of limitations for the collection of the XXXX debts. Additionally those XXXX debts were settled with the original lender through XXXX XXXX who your agency sued. I have sent certified mailing to all XXXX bureaus and the collection company demanding they remove collection from reporting, and to cease and exist.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding an urgent matter related to my credit report. I have recently discovered 14 hard inquiries on my credit report that were not authorized by me and appear to be the result of fraudulent activity. 

I have sent letters to each of the three major credit bureausXXXX XXXXXXXX, and TransUnionrequesting the removal of these fraudulent inquiries. However, I have not yet received any confirmation regarding the status of these requests or any resolution to this issue. 

These unauthorized inquiries are negatively impacting my credit score and, consequently, my ability to secure credit and financial opportunities. I understand that under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report, and I am keen to see these items removed within the prescribed timeframe. 

Could you please provide me with information about the process for resolving this issue? Specifically, I would like to know : 1. What steps are being taken to address my concerns?

2. Why have these items not yet been removed from my credit report?

3. What is the timeline for their removal? 

I appreciate your attention to this matter and look forward to your prompt response. It is my hope that these fraudulent inquiries can be removed within the next 30 days to prevent further damage to my credit score. 

Thank you for your assistance.
Product: Debt collection

I received irrational frequency and number of repeated auto dialer calls to my mobile device and then my employer phone number, after asking for the automated calls to stop, phone records as evidence, recorded call and certified letter evidencing my request to be removed from auto-dialer. Requested debt verification letter in writing, received it more than 30 days later and it had inaccurate information. I provided response to debt collector disputing the information they provided which was an entity and account number I have no evidence of. No response after more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name 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