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

This is my one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX XXXX days late in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Dear credit reporting agency, I am writing to bring to your attention certain information on my credit report that is reported by a company that has sold my debt and no longer has the right to collect on it. I firmly believe that since the debt has been sold, I am no longer obligated to pay it, and therefore, it should be removed from my credit report.

As per the Fair Credit Reporting Act ( 15 USC 1681 ), it is the responsibility of credit reporting agencies to ensure the accuracy and fairness of the information they report. According to section 611 ( a ) ( 2 ), if a consumer disputes the completeness or accuracy of any information in their credit report, the credit reporting agency must investigate and remove any information that is found to be inaccurate or can not be verified.

Furthermore, section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act states that if a debt has been sold or transferred to another party, the original creditor no longer has the right to report or collect on that debt. Therefore, any information reported by the original creditor regarding the sold debt should not be present on my credit report. 

I kindly request that you conduct a thorough investigation into the reported debt and verify whether the creditor still has the right to report it. If it is determined that the debt has been sold and the reporting company no longer has the right to collect on it, I urge you to remove all information related to the debt from my credit report. 

Please provide me with written notice of the investigation results and any actions taken within the specified timeframe as required by section 611 ( a ) ( 1 ) ( A ). Additionally, I would appreciate receiving a copy of my updated credit report once the necessary changes have been made. 

I trust that you will handle this matter with the utmost diligence and resolve it in a fair and timely manner. Thank you for your attention to this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my Savings account on XX/XX/23 with a {$520.00} bonus attached in branch. 

I deposited a total of $ XXXX within 30 days of account opening and had a balance of $ XXXX on the 90th day since account opening, doing everything needed for the bonus. 

A friend of mine opened the same promotion saving account on the same day and has received their {$520.00} bonus on XX/XX/23 but I do not have anything pending.
Product: Vehicle loan or lease

I have been harrassed non stop by phone, text and emails from XXXX XXXX company. They have violated many laws by contacting my ex boyfriend from a payment he made in 2016 we have since broken u and he was never authorized on my account only for a one time payment in 2016. The car company called him today and said that they were calling him in regards to my car accident and if he had more information they thenproceeded to lie to me and say that he is listed on my insurance policy which he has never been. They have continuously harrassed me regardin payment on the vehicle.
Product: Debt collection

I am going through a divorce with my spouse, who is supposed to be making the payments by XXXX XXXX XXXX. He has not been following this obligation. I have received multiple communications ( excessive of 7 communications in a 7 day period ), this is simply a sampling from XX/XX/XXXX, but noticeably began in XX/XX/XXXX. When I spoke to the company representatives, they informed me that a full payment was required or there was nothing they could do to stop repossession or pull it back into good standing. They have also frozen my credit card account which has a {$0.00} balance, because this account is past due. These communications were from the Collections Department at Capital One for an Auto Loan on a XXXX XXXX XXXX, and were communicated as efforts to follow up and collect on this debt. 

Phone Calls XX/XX/XXXX - XXXX call XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX call XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX call, XXXX returned call requesting no further contact by phone, email only. requested to speak with a supervisor on the call - declined, asked for email correspondence - declined, sought administrative assistance and the representative could not explain the definitions of " qualifying '' events or criteria. 
XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX call XX/XX/XXXX - XXXX calls. XXXX accepted, asked to stop calling and to email, XXXX call declined. 
XX/XX/XXXX - XXXX calls Emails XX/XX/XXXX XXXX XX/XX/XXXX x XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Letters XXXX correspondence in XX/XX/XXXX related to debt XXXX correspondence requesting I open new accounts, being " pre-approved '' Text Messages XXXX text messages plus auto responses Voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You [ CAPITAL ONE ] replied that the alleged transaction you furnished as late was { accurate/ verified } but my previous dispute did not ask you for accuracy or validation. 
I the year and months of { XXXX, XXXX, XXXX and XXXX, XXXX, XXXX } you furnished to { XXXX, XXXX, } put the CRA that is reporting the late payment } an alleged transaction as Late. 
15 U.S. Code 1666b - Timing of payments ( 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.

I requested the information that must have or possess by law in order for you to furnish a payment as late.
This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. Please provide the certified mail tracking for these letters It has been over 30 days and you have not properly verify the information.

Id. at 1303 ; see also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ).

Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified.

Hinkle, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : [ XXXX ] Your Name XXXX Without Recourse UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times i have contacted Experian to dispute the charge off accounts on my credit report. They have failed to verify these accounts. But these accounts are still showing on my credit report. At this point, they are going against the fair credit reporting act. They are not providing me with correct verification on these accounts listed. 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. Show me proof of verification that these accounts belong to me. And Remove these incorrect accounts immediately.
Product: Credit card

To : Whom It May Concern The AMEX credit card account reported on my credit report as Closed in XX/XX/XXXX with a balance of {$12000.00} sold/transferred to XXXX XXXX XXXX XXXX continues to generate increased balance each subsequent month now amounting to {$13000.00} with payments expected on the XXXX of each month on americanexpress.com. ( see attached ) This cancelled and sold debt is still being negatively reported on my Credit Report, I have not received a copy of the cardholder agreement, or copy of any filed 1099-C form required by the U.S. Internal Revenue Service ( IRS ), I am hereby requesting correct closure along with a Letter of Explanation ( LOE ) on this illegally managed credit reported cancelled debt item having multiple balances involving monthly increasing amounts after closure. 

To avoid reporting this failure and possible fraudulent activity to the IRS via an attorney, the removal/deletion of this illegally managed credit reporting item is requested within Thirty ( XXXX ) full days upon confirmation of this cancelled debt IRS compliance failure, which may result in penalties under IRC 6721 and 6722. 

At this time the balance on the closed credit card account reported in XXXX XXXX, had a balance of {$12000.00} at XX/XX/XXXX and was sold/transferred to XXXX XXXX XXXX XXXX XXXX The balance on the closed high interest account now increases monthly from {$12000.00} to {$13000.00} online AmericaExpress.com as at XX/XX/XXXX. 
( See statements, screengrabs, documents etc attached below ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 Bank of America called me about a past due amount on a credit card. I had forgotten that i had this credit card. After investigation, I learn that a co-worker had stolen the card from my desk. This co-worker is in a HR department that has access to my personal information. This Co-worker changed the phone number, email address, and mailing address to their address. They charged {$23000.00} on the card. After having conversations with the bank, and several months, I have learned that they closed the case. On XX/XX/2022 I attempted to reopen the case. I sent the bank a copy of the police report by fax and by mail. I also sent the contact information of the assigned detective. I have called the bank numerous times and I can't get in contact with anyone that can give me information or help me. I continue to get invoices in the mail and have not idea what the status is. I have a lot more information and evidence that these are not my charges. 
It has been years since i have seen this credit card so i do not now the card number. 
I have changed all the contact information back to mine so i can receive a bank statement.
Product: Debt collection

Financial Credit Network has attached a debt to my credit report for the second time erroneously in defiant violation of the Fair Credit Reporting Act ( FCRA ). They were notified on two occasions of bankruptcy filing by my attorney. In XX/XX/XXXX my XXXX XXXX bankruptcy was XXXX in XXXX Ca XXXX bankruptcy court. XX/XX/XXXX I filed XXXX XXXX bankruptcy in XXXX XXXX. The company was notified by my attorney. 
Financial Credit Network refuses to remove the debt from my credit in clear violation of FCRA. The company has shady practices. They are reporting a debt of {$150.00} as an active collection account. I attached an image.
Product: Debt collection

On XXXX XXXX, 2015 I requested debt validation from Business Professional. They responded with a letter refusing to provide validation. Please see attached letter received.
Product: Mortgage

I just got off the phone after being put on hold for over an hour with Nationstar Mortgage. My simple question is what is my current amount due with my next payment scheduled on XXXX/XXXX/XXXX. No one could tell me this information as they stated my escrow amounts have changed twice between XXXX XXXX and XXXX XXXX. Now I 'm in a situation where I do n't know what amounts are due for my next payment. This lack of clarity of their own process has created an extremely poor customer experience on my end and leaves me with zero confidence that the terms and calculations of my account are being clearly and simply communicated. It also brings into queston my assumption of several gaps in their processes as well.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I checked my credit report and discovered discrepancies in the 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 Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute
Product: Credit reporting or other personal consumer reports

Regarding XXXX XXXX : I viewed my Equifax credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from Equifax it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, 2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX. How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX show in my credit report that a XXXX revolving credit card account is Open. That is wrong. The account is CLOSED. I have complained about this several times.
Product: Mortgage

We have been trying to resolve some serious issues regarding the servicing of our loan and recently found out all these years we've paid attorneys to fight to keep our home the investor for our loan " does not allow loan modifications ''. They refuse to put this in writing. They also refused to respond to our last complaint filed with the CFPB and stated XXXX XXXX represented us when he has never been retained or ever represented us in our foreclosure action. He was confused but drafted the letter as requested. Then they assigned XXXX XXXX to our account as aDedicated Loan specialist on our mortgage account. According to your letter your job is to help if we ever fall behind on our mortgage payments. We are confused as to how you can help us with our situation when we have been told on numerous occasions that the investor does not allow loan modifications. We spoke with XXXX ID # XXXX from loss mitigation, and she confirmed this. She also stated XXXX is the investor. Who is XXXX This is not the investor you claimed to own our loan in RESPA response. In fact, you did not provide us with all the information and documentation we requested which leads us to believe that you are perpetrating a fraud. We have a sales date for XX/XX/2024 and you have been acting in bad faith. You also have charged us for property inspection fees all these years we were forced to sit here fighting with you knowing we will never be given an opportunity to keep our home. You forged our documents in the bankruptcy court. We have proof of all this. This is a XXXX XXXX XXXX file.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX05C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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/CONTFIN is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/CONTFIN 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/CONTFIN 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

On  XX/XX/XXXX , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within 24 hours, I received a reply from Equifax stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.
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I have requested that the following inquires be removed :    XXXX   XXXX      XXXX   XXXX   An Inquiry that is tied to no name at al  XXXX   XXXX   XXXX  / XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX