23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced in your correspondence. I request that you provide proof and validation of this debt as required under the Fair Debt Collection Practices Act. 

Account name : XXXX Account number : XXXX  Please provide the following information : The amount of the debt. 
The name of the original creditor. 
Documentation that proves I am legally obligated to pay this debt. 
Any other relevant information pertaining to this account. 
Until I receive the requested documentation, I consider this debt disputed and request that you cease all collection activities. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate this information and provide with me the copies of any documentation associated with this account, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The offender is Hyundai Motor Finance for a lease I held between XX/XX/XXXX to XX/XX/XXXX. 
They incorrectly reported several late payments up to 120 days which caused me to be denied a new lease. This information was provided to me by the Hyundai dealer! All of the payments were made on time and my messages to HMF were ignored or deflected to deal directly with the credit bureaus! This fraudulent reporting has caused an immediate family loss of {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents to Experian ( Tracking ID : XXXX ) and XXXX  ( Tracking ID : XXXX ) about a debt from XXXX XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to XXXX ( Tracking ID : XXXX ) but no response either
Product: Payday loan, title loan, or personal loan

The local Government and XXXX XXXX and XXXX XXXX took my house after I payed it off.I have ths proof to prove it.Judge XXXX, AttorneyAuthment XXXX XXXX XXXX Manager, and sheriff XXXX was all involved.I need some help getting my home back.
Product: Bank account or service

In XXXX and XXXX 2016, I filed two complaints with CFPB against Bank of America in XXXX XXXX California ( XXXX and XXXX ) and for some reason I was quickly locked out of my account ... Therefore I could not get in to receive updates on this process ... okay restore my account information.
Product: Credit reporting or other personal consumer reports

Equifax requesting that specific names be included on your credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/27 Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Dear Equifax, I am writing to request the addition of two names to my credit report. It is important for my credit history to accurately reflect my identity, and I believe these names are essential for this purpose.

The names I would like to have included on my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that maintaining accurate records is crucial for both credit reporting agencies and consumers, and I appreciate your attention to this matter.

Please let me know if you require any additional information or documentation to process this request. I look forward to your prompt response.

Thank you for your assistance.

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Checking or savings account

On XX/XX/XXXX I initiated a request for a HSA to HSA account transfer due to the creation of a new XXXX XXXX. I did not submit the request until all funds were liquidated from the investment vehicle and settled to cash. The aim of this transfer was to move all funds from my existing UMB Bank HSA account to XXXX 's new HSA portal. I submitted the request to XXXX and followed up around 6 weeks as the transfer has not occurred. I again followed up on XX/XX/XXXX to identify why the funds transfer has not occurred. I was instructed by XXXX representative XXXX XXXX that XXXX and UMB had acknowledged the transfer, and that my confirmation was needed that the funds were liquidated. I completed the transfer request according to the Health Savings Account Transfer Request Form. UMB has access to my account and can see that funds were liquidated to cash. 

I have experienced consumer harm by having to keep my funds in cash for three months. The anticipated transfer window disclosed on the Health Savings Account Transfer Request is 3-6 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ran my credit several times, they were not authorized to do this, they have even admitted in the letter I have proof they were not allowed. XXXX XXXX has refused to take it off my credit report. This is absolutely ridiculous and against the consumer protection, I have wrote them with no other response.
Product: Credit card

I urge you to inspect the enclosed documents. I'm seeking an inquiry into the accounts that wrongly portray me as late, despite my history of punctual payments.
Product: Credit reporting or other personal consumer reports

The last 4 years I have not been sent my credit reports after I requested them online. The LexisNexis and XXXX have sent letters saying that can not identify me. Yet XXXX XXXX shows me my credit scores and information. In XXXX I asked LexisNexis to send me my credit report as directed by XXXX. I was sent the credit report online with a link which I couldnt download through California consumer privacy Act. XXXX said they could can not identify me. And asked me to send copies of my address with a utility bill and my name and a copy of my California drivers license.. I did so and have not heard anything from them. This was in XXXX and in XXXX. Why cant I get a copy of my credit information and not just online I am currently homeless and giving them an address because of the information that my last Senior apartment sent in to them.. they reported that I took a loan out for them and I never did. They were harassing me and I was forced to leave. Now that I dont have a address and using somebody elses, I cant even get a copy of the report and what was done to me so I can make a complaint. today is XX/XX/XXXX. I was trying to buy a home in my credit score kept going down into the XXXX score.
Product: Credit reporting or other personal consumer reports

From XXXX XXXX XXXX XXXX XXXX XXXX all of my car purchases and repairs. Emails were submitted to State Agencies and yet he is still a XXXXXXXX. He has been to my home and deliberately hit my vehicles in the rear because of an accident that occurred in XXXX that was on my policy as fault for 5 years for a driver that hit my car and left the scene and arrested. He has feelings about the jacked up repairs to my vehicle then that all cars purchased after that date has the same problems as the complaint from the XXXX accident. There were 10 car purchases. The 1 car from XXXX with XXXX XXXX. XXXX was given back to XXXX by the Finance Co because of its condition at purchase. Next, 7 cars from XXXX all returned for broken rear wheel components and safety hazards. Next, XXXX XXXX and XXXX, XXXX XXXX XXXX which there were 24 inquiries done on my credit for 1 car. Definitely a red flag. Traded due to too many service appointments for the same issue. The wheels. Last, XXXX XXXX XXXX that XXXX XXXX sabotaged the order for the parts by calling XXXX from XXXX to ask which shop was my car in. XXXX never needs to know where my car is because all services are handled with the warranty co. The Auto administration refused to acknowledge his behavior because he mentioned the XXXX accidents from people hitting my car. No proof I had any affiliation with any person involved which I will testify to any jury anywhere. I was involved in 1 deliberate accident because he refused to fix my car properly and made it impossible for anybody else to fix the car as it was under warranty by both the dealer and XXXX insurance repairs which voids if done somewhere else. Please fix my credit according to this complaint. 10 cars and no flags should be flagged. Please and thanks.
Product: Credit card or prepaid card

Hello Dear CFPB I am writing to bring to your attention and complaint about US BANK credit Card Application process. 

I applied to US Bank Signature Rewards Card on XX/XX/2019 and received letter after couple days date XX/XX/2019 which is informing me to call because they wanted to speak with me to verify application. They asked me to call within 10 business days. 

I called on XX/XX/2019 which is not 10 business days and spoke with Supervisor XXXX employee ID # XXXX XXXX and he informed me that my application was turned down because they could not call me and speak with me, but then again i have not receive any phone calls or voice mail and plus in the letter its asking me to call to verify within 10 business days which is condition to establish account for me. why would they send me letter to call them if they already turned down my application. I am extremely not satisfied with this process and with very rude Supervisor XXXX. I will attache this letter please review. I called within 10 business days which was condition to establish account for me it's just perfectly clear. .Please reopen this application and make fair decision also please train your supervisors to be able to read and understand what simple letter says. Very biased company in my opinion
Product: Debt collection

ON XX/XX/2023 I SENT WELLS FARGO AUGTO AN AFFIDAVIT OF DENIAL TO WELLS FARGO IN REGARDS TO A " LOAN '' THAT DOES NOT BELONG TO ME. I REQUESTED AN AUDIT TRAIL OF ALL ACCOUNTING OF ORIGINATION OF UNLAWFUL MONEY THAT WAS ALLEGEDLY GIVEN AND AN AUTHENTICATED VERIFIABLE CONTRACT BEARING MY WET SIGNATURE. THEN ON XX/XX/2023 I SENT THEM A NOTICE OF DEFAULT WITH AN OPPORTUNITY TO CURE BUT THEY FAILED TO RESPOND AND CURE. I DEMAND A LIEN RELEASE AND WILL SUBMIT WELLS FARGO TO THE IRS FOR SUSPICION OF FRAUD IN ADDITION TO NOT BEING HOLDER IN DUE COURSE OF THE NOTE. THEY ARE TRYING TO COERCE ME AND EXTORT ME IN EXTENSION OF CREDIT AND THE CEO SHOULD BE JAILED FOR VIOLATING MY RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of trying to fix my credit. Recently I've seen many inaccuracies on my credit report. I sent letters to all three bureaus XXXX, equifax, and XXXX  This process has taken to long. I have not received any response by mail or email. Pleased help me resolve this issue.
Product: Debt collection

XXXX began reporting a collection account on my credit reports on XX/XX/year>. XXXX  Validation Request : On XX/XX/year>, I submitted a written request for debt validation via email. I explicitly requested the following : - Proof that I owe the debt. - Information about the original creditor. - A detailed account of how the amount was calculated. - Copies of contracts, agreements, or statements establishing liability. - Proof that XXXX is entitled to collect on this debt. XXXX  Validation Request : On XX/XX/year>, I reiterated my request through XXXX 's website inquiry page. Delayed Response : XXXX responded with a letter dated XX/XX/year>, exceeding the XXXX validation period required by law that did not address the requested documentation and failed to prove responsibility of this debt to me as outlined by federal and state law. Violations : Fair Debt Collection Practices Act ( FDCPA ) : Validation Requirement : Under 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activities if a written dispute or request for validation is received within 30 days, until they provide proper verification of the debt. Violation : XXXX failed to validate the debt in a timely manner and continued reporting the collection to credit bureaus. New York State Debt Collection Regulations : New York State regulations mandate debt collectors to provide detailed information about the original creditor, the debt amount, and their authority to collect the debt. Violation : XXXX failed to adhere to these requirements within the prescribed timeframe. A statement from the alleged source of debt ( XXXX ) which XXXX claims to be collecting on is not a sufficient source to prove XXXX is legally entitled to collect this debt agaisnt me and does not address the requests I have made now XXXX times. Also I have contacted the provided phone number which is XXXX and a representative named XXXX XXXX as per XXXX 's previous XXXX response letter. XXXX has failed to connect with me or respond back.
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, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I have inaccurate and late payments being reported on my credit report. 

You all have responded and said everything was verified as accurate but on my most recent report, it shows that you all did not investigate properly You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

This is not being reported accurately because XXXX is marked late on my XXXX report and no where else, XXXX is marked late on my Experian report and nowhere else, XXXX is marked late on my XXXX report and no where else, XXXX is marked late on my Experian report and nowhere else, XXXX is marked late on my XXXX report and nowhere else and XXXX is marked late on my Experian report and nowhere else. 

please update all to paid as agreed
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 XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

PennyMac did not pay my taxes out of my escrow account when they were due. I have received an letter from the tax collector stating my taxes are overdue.
Product: Credit card

I purchased a drone from XXXX on XX/XX/2017 using by AMEX Blue Cash Everyday card for {$1000.00}. On XX/XX/2017, I returned this item bought back to the merchant. A prepaid return label was provided to me by the merchant, XXXX. Using the prepaid return label provided, I dropped the item off on XX/XX/2017 at an XXXX store in XXXX, CA. Starting XX/XX/2017, there has been no movement/update of this shipment. Contact was made with XXXX to gain more information in regards to this return shipment to no success. XXXX refused to cooperate in an investigation into this missing package. Furthermore, the merchant also refused to cooperate with this return shipment. As of present day, the returned shipment mailed back under XXXX tracking # XXXX has had no updates/movements. In any case, I do not retain possession of this item anymore. The item was handed off to the shipping carrier, XXXX, using a return label provided by the merchant. Furthermore, a missing package criminal investigation has been started with both the XXXX Sheriff 's Department and my local city police department. This is the absolute most I could do in this situation as I returned this package to the merchant in my maximum capabilities. There is absolutely nothing more that I could 've done in this situation. I have no control over the shipping carrier 's warehouses or other operations. Multiple disputes have been filed with AMEX against the merchant as no one is willing to cooperate in this matter. I expect a full refund in this as I fulfilled my maximum duties in returning this item back to the merchant. As previously mentioned, there is absolutely nothing I could 've done better to ensure the safe delivery of this returned merchandise. As this now pertains to a lost package, it should be the responsibility of either XXXX or XXXX, or both. The merchant, XXXX, paid for my return shipment which resolves me of any liability of this package. I do not retain any control over this shipment as I was not the party paying for the shipping cost. Having said that, I expect a full refund of {$1000.00} out of this as I went above and beyond, contacting the merchant, the shipping carrier as well as law enforcement in regards to this shipment. Furthermore, I do not possess this item anymore.
Product: Mortgage

I have had many issues with my lender since XX/XX/XXXX - presentI have attended the XXXX Save your Home Project where I was denied the opportunity to save my home. The lawyers representing US Bank XXXX, XXXX and XXXX XXXX sent a attorney XXXX XXXX who was at the conference hearing and me and my husband explain our financial hardship and the unexpected XXXX XXXX of Our Son and the unexpected funeral cost that had hit us all XXXX. XXXX said the loss of our son was not her concern. How could we pay balance due at this time. 
I did not found out until XX/XX/XXXX that my FHA loan could have been modified. 
I was sending the needed paper work that US bank ask me for and I did not know that I should have used a housing counselor because of the format needed to be use to have my housing documents legal done. 
Today we are facing a sheriff sale dated for XX/XX/XXXX summit another modification package to US Bank requested by my Default resolution manager XXXX XXXX who I have corresponded with over the last XXXX years XXXX ext.. XXXX package was reviewed and a decision was made within XXXX days and he told me I was not eligible for a modification or hamp and I could not file a Appeal. 
All the housing counselors I have used have been complaint with US Bank but they have not been or has US Bank tried to help me with my home but XXXX and I stated to them I could not honor the modification they presented because I would be in default again. Then I must wait XXXX months to be eligible for assistance and this just made matters worst but I was following the advice of US Bank. I never got a fair chance to save my home by XXXX XXXX I 'm facing the unbearable truth of being homeless.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX, XXXXXXXX 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

XXXX XXXX XXXX is attempting to collect a debt from XXXX XXXX XXXX. This account has been removed due to identity fraud. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I request that this collection be removed within 4 business days of this complaint.
Product: Credit reporting or other personal consumer reports

I looked at my credit report XX/XX/XXXX I noticed some things that are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter to Transunion asking them to reinvestigate the completeness and accuracy of my accounts below, XX/XX/XXXXXXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) XX/XX/XXXXXXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate )XX/XX/XXXXl XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) XX/XX/XXXXl XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate )
Product: Debt collection

Unknown callers are constant calling me from XXXX credit card. Everyday. I 've set up a payment arrangement with a lady and let her know I can only pay a small amount. A gentleman recently called and told me I 'm refusing to pay and do I have a lawyer and said it was my problem I have to deal with. I do n't appreciate that. I feel threatened. I work and I 'm having financial difficulties. I have a family I have to take care of. He continued to argue with me over the phone. His name he told me was XXXX. 
Thank you.