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

I am writing to dispute the following information in my file. I recently received a copy of my credit report  s (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on my consumer report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX J # XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear XXXX, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX account that was previously reported on my credit report on Transunion. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since Innovis has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately.

Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding your recent claims concerning my accounts. I firmly reject these claims based on the fact that you lack substantial material evidence to support your assertions. As a result, I strongly urge you to promptly commence a comprehensive investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and hold the potential to cause severe harm to my creditworthiness. It is of utmost importance that we address this situation swiftly and accurately to prevent further repercussions. 

Furthermore, I want to emphasize my strong rejection of your decision to decline my identity theft claim. The authority to determine whether I have been a victim of identity theft does not reside with your organization but with established legal processes. Your authority or legal standing does not grant you the right to make such a determination on my behalf. 

If you persist in declining my position, I am prepared to take legal action by contacting my attorney to seek a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the law. 

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

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd dispute request, this final letter to your company will be my final attempt to resolve this with your company. If this is not corrected within 14 days, I will file a petition for a small claims case In the XXXX XXXX, XXXX XXXX, in XXXX XXXX XXXX XXXX TX for damages you have caused to me.I am disputing the following information that your company supplied to me upon request Consumer # XXXX Case # : XXXX The disputes are listed on the attached letter. Please note, that I am a victim of identity theft, and have provided information to your company showing that I am a victim of identity theft. Please delete the records I am disputing immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # XXXX -XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX -XXXX XXXX  Acct # XXXX XXXX XXXX Acct XXXX XXXX -XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX Acct # XXXX -XXXX Acct # XXXX -XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX -XXXX XXXX Acct # XXXX -XXXX XXXX Acct # XXXX -XXXX XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX Acct # XXXX -XXXX Acct # XXXX XXXX XXXX Acct # XXXX -XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights . 

XXXX15 U.S.C 1681 section 602 A : States I have a right to privacy. 

XXXX15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX15 U.S.C 1666 B : 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

While serving oversees my idenity was compromised. During this time a credit car was opened in my name with XXXX. I demand that this item is immediately removed from my credit file, or I will seek further legal action.
Product: Vehicle loan or lease

I lease a XXXX  about 2 years ago. At the time of the lease I was told if I want it to buy the car at the end miles would not be an issue. I was also told in case of a total loss I was protected by gap. My car was a total loss because the vehicle was stolen. Bmw is now charging me for excess miles. I was told no matter what miles I had if is a total loss I would not be responsible. I was send a letter stating that the contract I had sign made me responsible for excess miles. I will attach the letter and I will also attach the back of the contract. The wording in no way I would interpret that I would be responsible for excess miles. The wording use is very deceiving and vague.
Product: Mortgage

We fell behind on mortgage payments due to the pandemic causing unemployment in the household. However, we have since resumed payments as of XX/XX/XXXX. 
We followed through with a modification application and were denied with 2 separate reasons, all of which were not communicated to us. Since the start of the modification process we had to diligently follow up with Wells Fargo on a weekly basis as they failed to communicate effectively among other things. 
While continuing to make timely payments we kept attempting to resolve the pandemic arrears. However, Wells Fargo failed to provide any assistance, and in fact kept insisting that we pay the entire {$23000.00} arrears in one lump sum! They cost us a refinance as the payments made since XXXX were not being reflected towards current payments. Therefore, the XXXX said they could not approve the loan without a year of current payments, but would if arrears had been added to the end of the loan, and payments were current all of which should have occurred. Needless to say, Wells Fargo would not assist in this or any regard. After several months of fighting with them to provide some type of assistance or re-payment plan, the loan went to underwriting yet again in mid XXXX to see if another modification application would be approved. I strongly believe this was a half attempt to appease me as they had no intention to provide any type of assistance, and was right. Today it was learned that the second modification was also denied! However, the decision was made on XX/XX/XXXX and I just called to follow up on XX/XX/XXXX as was told it was still pending! Wells Fargo has no clue how to conduct business and is deceptive in many, not to mention they are fraudulent. I have been calling them on a weekly basis to check the status and have been told a different story each time! The explanations went from they need additional documents, we have 7-10 business days for a decision, we have 21-30 days to make a decision, the last representative misinformed you, or the date it went to underwriting changed altogether. The explanations for denials went from the house  is not a primary residence, we make too much money and now we cant afford the mortgage! Which is absolutely absurd, because before the pandemic, payments were current and always had been!!! They would rather the house go into foreclosure instead of providing assistance of any kind! Foreclosure this is simply not an option, as I refuse to have my credit and financial stability ruined due to their negligence and incompetence!!!
Product: Mortgage

I have never missed a payment. Chase Mortgage Department has refused to acknowledge the proof of pavement I have submitted, the actual bank statements showing payment was submitted and money taken out of the account, including the last XXXX digits of the loan number. This has been going on since the beginning of XXXX with each representative saying the situation was, " being researched. '' After I faxed proof, I was told it takes days, up to a week, for them to actually receive the fax. Every time I called, I was told they did not have access to the fax yet. Finally, today, I stated, " I want you to physically look at my proof, now, while I am on the phone. " After 3 and a half hours on the phone, supposedly a work order has been submitted for review by the, " back office, '' and I am supposed to hear back within 48 hours. Everytime I have requested to receive acknowledgements in writing, I have been told Chase does not resolve disputes in writing, only verbally. I am now being told that even though I submitted evidence of every payment being taken out of the bank account, nonetheless, they have to figure out what they physically did with that payment before correcting the account. In the meantime, the account shows in arrears. After 1st telling me it was XX/XX/XXXX 's payment missing, then saying it was XX/XX/XXXX 's, they are now saying it was XX/XX/XXXX 's payment. I sent proof of all payments from XX/XX/XXXX through XX/XX/XXXX, 2016. Several representatives have said only one particular representative in XXXX can help me, however, there is no way for me to directly reach XXXX, when I call it goes to XXXX office. I am told there is no way to transfer me. Others have told me anyone who answers can help me. I have received conflicting stories from multiple representatives. I have spoken to a number of supervisors. Currently, a verbal promise has been made to research and resolve within 48 hours. I hope for a resolution.
Product: Debt collection

I try to dispute it on the 3 credit beru but it keeps coming back and it totally not mine I never open or use it I have no idea about it
Product: Credit card or prepaid card

I had a positive balance of  XXXX  cents on my Citi card  XXXX    XXXX  .  Three months later, Citi took  that away and shows a record on my statement : " BALANCE REMOVED DUE TO INACTIVITY ''.     I was very surprised to see this record so I called customer service and was told that it is what the record said.  Citi too k that  XXXX  cents away if I do n't use my card for three months.     What kind of policy is this? Should I have been informed of such forfeit and given choices before they actually took this positive balance?
Product: Credit reporting or other personal consumer reports

XXXX experion and XXXX XXXX Have struggled to take off inquires off my record Ive called over XXXX times trying to relative and fix it they are complicating things and I finally gave up and now am seeking porefsinal help
Product: Debt collection

On XX/XX/year> at I received a text message from XXXX that said " Hello from Credit Control Debt Collector Call XXXX or follow a link '' I called and in and spoke to a XXXX. After verifying my information he told me it was for a credit card debt. I asked him to send me validation of the debt. He asked " what ( my ) intentions were with the debt. '' I advised him I needed to verify the debt. He again asked " what ( my ) intentions were with the debt. '' I said once it is validated I will let him know but at this point I am disputing the debt. XXXX became very angry. XXXX said they would mail me the validation. I asked if he would like my mailing address which he declined and hung up on me. I returned the call and spoke to XXXX ( XXXX  ) and advised her I am not sure where you are going to mail the information and she said she did not know and ended the call. 
This is a violation of the FDCA and any reporting of this would be against the law as they are using angry language and not providing the information as required by law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Equifax, and XXXX due to their failure to resolve inaccuracies on my credit report, despite multiple disputes. The following issues remain unaddressed : Account Not Marked as Disputed : The credit bureaus have not marked the disputed account as " disputed '' as required by the FCRA. 

Incorrect Date of Last Activity : The date of last activity on the report is incorrect and does not reflect the actual last payment date, which violates FCRA guidelines. 

Unvalidated Collection Account : The collection account has not been properly verified as requested under the FDCPA.
Product: Credit card

Throughout covid and beyond i haven't been able to make more than a minimum and then interest is through the roof my payment goes through and interest is more than my payment. apple and Goldman refuse to help in any compacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed credit management comcast, several times and it didnt delete off my consumer report. By law, Under 15USC 1681s-2 prohibition. A person can not furnish information knowingly information is INACCURATE. The IRS, says charge off is earned income. Whether I have a 1099c or cancellation debt, I can claim on taxes as income. I have notified this inaccuracy account several times and still I see this reporting. By law, a person can not furnish information after notices of confirmed errors. Its must be held to its maximum accuracy, under 15USC 1681e ( b )
Product: Mortgage

My " XXXX/ XXXX loan was deemed predatory and was supposed to be discharged in XX/XX/2010. For my home at XXXX XXXX XXXX XXXX, MA XXXX. 
Lender abandon the loan, " Green Tree Servicing '' and now 6 years later " Ditech as successor by merger '' is trying to foreclose. 
I have never been shown the original " Wet ink '' proof of debt, in 12 years of requests. As per Massachusetts 940 CMR. 
My state attorney general has already sewed in civil court but they won't comply and show proof or discharge the mortgage. 
I have proof of invalid assignments of mortgage by Massachusetts XXXX County XXXX registry of deeds, due to known " Robo Signers '' ( XXXX Massachusetts Registry of Deeds, affidavits on file ). 
I live in a non judicial foreclosure state and my mortgage has long been a time bard debt and can't be collected under operation of law.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023 XXXX XXXX responded to my complaint stating when I allegedly entered into my car contract I fully accepted the terms and conditions of my information being shared. However in the initial contract between XXXX XXXX and XXXX XXXX XXXX no disclosure providing me with the option to opt out of my information being shared was provided, nor was a disclosure provided informing me that my information would be shared with a third party when this contract was executed. ( Please see attached contract ). According to 15 U.S.C 6802 the consumer shall be given a clear and conspicuous notice informing the consumer that they have the right to opt out, the consumer shall be given a chance to opt out and the consumer shall be given an explanation of how the consumer can exercise that nondisclosure option. However in response of my complaint XXXX XXXX provided a XXXX  XXXX page contract between XXXX and XXXX XXXX XXXX that did not contain a clear and conspicuous option for me to opt of sharing my information nor does this contract contain a section informing me of my information being shared and my limits to a company sharing my information. XXXX XXXX also attached a fraudulent privacy policy notice which intended to inform the consumer that they don't have the right to opt out of their information being shared, however pursuant to 15 U.S.C 6802 and the Gramm Leach Bliley Act they both clearly gives consumers the right to opt out of sharing information. Upon information and belief these statutes only can be enforced on state level as they have no cause of action in federal court but are very much applicable to doing everyday business with consumers/ customers. I demand that XXXX XXXX remove this account from the four major credit reporting agencies Experian, XXXX, XXXX, and XXXX within XXXX ( XXXX ) days from the date of receipt. If XXXX XXXX does not comply with my request I will be forced to seek legal assistance to clarify and remedy this matter. ( attached is XXXX XXXX response to my initial complaint, car contract, XXXX XXXX privacy policy ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. Seems some accounts were opened in my name and are reporting on my credit reports. I took action by creating and submitting an identity theft report. I then submitted it to the credit bureaus and for a few months the fraudulent accounts were removed but to my dismay are now reinserted. Here are the listed account opened dates and outstanding balances 1 ) opened XX/XX/2018 ( {$11000.00} ) 2 ) ( {$21000.00} ) 3 ) opened XX/XX/2018 XXXX {$9000.00} )
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment and to follow up with the continued presence of inaccuracies on my credit report, specifically pertaining to a late open account and a charge-off. Despite my persistent efforts and previous attempts to dispute and rectify these errors, they remain unresolved. 

As previously communicated, the inclusion of these inaccuracies has had detrimental effects on my creditworthiness, financial opportunities, and overall peace of mind. Despite providing comprehensive documentation and evidence supporting my claims, it appears that my efforts have been met with insufficient action and attention on your end. 

I demand immediate action to rectify these inaccuracies and restore the accuracy and integrity of my credit report. It is imperative that your team conducts a thorough review of the documentation provided and takes decisive steps to remove the late open account and charge-off from my credit file. 

Failure to address these issues promptly and effectively will leave me with no choice but to explore alternative avenues for resolution, including legal action and regulatory intervention. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX XXXX Balance Owed : {$4300.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.