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

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX {$9700.00} XXXX XXXX - XXXX {$5900.00}
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$43000.00}, XXXX XXXX XXXX XXXX {$20000.00}, XXXX XXXX XXXX XXXX {$5000.00}. 

These accounts are involved in litigation. 

Under the doctrine by ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS ALLOWING XXXX XXXX TO INACCURATELY REPORT A FRAUDULENT BALANCE OF $ XXXX HAVE REQUESTED THIS COMPANY REMOVE THE ERRONEOUS ACCOUNT FROM MY CREDIT REPORT HOWEVER THEY ARE NOT COMPLYING. THIS INACCURACY HAS CAUSED ME EMOTIONAL DISTRESS, FINANCIAL SETBACKS, AND A VIOLATION OF MY CONSUMER RIGHTS.
Product: Bank account or service

I signed up for citi gold Bank account with a targeted promo code few months ago for XXXX XXXX miles. After completing the requirement i received a message from citi stating that i met the requirement and will be rewarded the XXXX XXXX miles. Citi never did give me the miles and they charge me for several mostly fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an internal block on my credit file. I have called every week to resolve this issue for 2 years. They are not trying to solve this problem. I have sent certified documents of identification to this company. They were signed for by the company on XX/XX/2022. The agent said that they have 5 days process from the back office. Its been 20 days and the agent today ( XX/XX/2022 ), says that there is documents updated to my file. Supervisor XXXX said there was an internal block on XX/XX/2022. The agent today XX/XX/2022 says there is no block. Agent stated that lenders or anyone trying to access my file has to use the number XXXX for the suffix in my name. We have tried this and it does not work. Please help me fix this issue.
Product: Debt collection

Just wanted to report these numbers that have been calling me to harras me constantly. I called back one of the numbers and the guy started flirting with me automatically I knew that these ppl are a scam. here are the numbers please do something so that they can stop calling an harassing ppl. XXXX & XXXX. I am tired of these calls.
Product: Vehicle loan or lease

On XX/XX/XXXX I took out a car loan in the state of California. I bout a used XXXX XXXX XXXX with XXXX miles. I moved to California on my own and was struggling hard and needed a means of transportation. I was desperate and need a car quickly which I feel the dealership took advantage of and signed me up for a contract that was not explained to, theyb essentially told me to just sign. The amount financed was {$12000.00} with total payments being XXXX. My annual APR is 27.29 which is extremely high judging the fact of what I make per year. They are charging me nearly XXXX for a used vehicle that is not even worth this amount. I am trying to figure what I can due and if possible I can sue the lenders in regards to predatory lending.
Product: Credit reporting or other personal consumer reports

This account is in litigation I have not been 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 face therefore exists.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 an account without my written instructions
Product: Debt collection

I've been trying to dispute a charge off from capital one now for around 4 months. I've asked numerous times for validation of debt and besides the answer on the remarks from credit bureau have yet to see any physical evidence of this debt. They're saying it's mine because of recorded phone calls and that it was opened at my address of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX. Yet there is an address on my credit report XXXX XXXX XXXX XXXX PA XXXX in which I never lived however I can not get it removed from my credit reports because the bureau is saying it's attached to this capital one inquiry and debt! They've yet to send me any proof and have not once ceased communication while in dispute! They email me excessively even though they are aware I am in dispute and won't pay debt that isn't my doing. I also had the XXXX XXXX XXXX address removed from atleast XXXX of the buried further proving the address this account is attached to was never lived in by me but someone who fraudulently represented me and opened this account. Furthermore this account was frozen for fraudulent activity and my bank said they received calls trying to validate a bad payment made and were told it did not come from MY BANK ACCOUNT!!! I WANT A THIS CHARGE OFF REMOVED IMMEDIATELY! I've spent months now fighting to get my life and credit back and for some reason capital one is only creditor not willing to see the truth that I was a victim. I've removed every other negative remark but this! Screenshots attached show the daily emails sent when during times I'm disputing and with no clear way to cease this which is another violation of law. Please remove this account at once! My ex-wife was also contacted by a lawyer saying they're suing us for this debt but haven't heard from them myself and still get contacted daily from capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Lockhart , Morris & Montgomery illegally obtained and placed my account in a collection status. I required this company to validate a debt and they failed to comply within a legal time period. Furthermore they are attempting to validate disputes filed as accurate without legal right. Company has obtained a similar Social Security number, that is not mine as well. The social security number on the companies redacted file is not mine! The company has not answered any of the requested validation request as outlined.
Product: Vehicle loan or lease

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Capital One Bank Usa will be civilly liable under Title 15 U.S. Code 1692k if Capital One Bank Usa failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Audit trail credit application Respectfully XXXX XXXX, Consumer/ Natural Person
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report is not based on reality. It shows almost nothing but one credit card with no balance. In reality I have 4 with a balance of about 2500.00 and a mortgage of XXXX. Which makes my score with them 100 points lower than the other companies XXXX  and XXXX. I called them and waited 30mins on hold to talk to someone who could barely speak English asking me questions about accounts I know nothing about.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, I have a retail loan through Wells Fargo for a hot water heater through XXXX XXXX. The deal is 61 months no interest with a minimum payment. Upon starting the process in XXXX, the monthly amount was {$85.00}. There were significant issues last month with an erroneous payment and since then they have done nothing right. This month, I go to pay my loan and the minimum payment is now {$120.00} with no reason given and no warning and no documentation as to why the change. I've always paid more than the minimum for this loan and I am ahead on payments. There is no reason for this. They have breached the original agreement on this loan. I asked that they fix it and they never got back to me.
Product: Mortgage

Freedom Mortgage is stating that I have an escrow shortage of {$6200.00} and of today and my payment will go up {$400.00} a month start in XXXX. I had a minor increase of {$14.00} to my insurance from last year and I they pay my insurance and taxes and I have never missed a payment. They can not explain why and said that they can not do an analysis at this time. Please tell me what I should do?
Product: Debt collection

Thunderbird collection Specialist Inc placed a collection account on my credit bureaus that does not belong to me. They just decided I am responsible for this debt for XXXX XXXX XXXX. I am not and have never been seen or consulted by any doctors with this organization. They fraudulently report this to the credit bureaus in effort to illegally force me to pay this bill that is not mine. They have no documents showing I received services or requested services from this provider. It is not my bill, I demanded they remove my name any and all of my personal information from their system. I have never received services from this provider. This has impacted my credit substantially and is causing me a great deal of stress.
Product: Credit reporting or other personal consumer reports

Good evening, My name is XXXX XXXX. I have been reviewing my credit report and noticed an inaccuracy reporting. There are three accounts under the name " XXXX '' that is being reported to my credit report. Please have the credit bureau remove these accounts because they are completely inaccurate. It's stopping me from being able to buy a house. Please have them investigate and remove these accounts as fast as possible. Thank you.
Product: Debt collection

I received a bill from XXXX XXXX  for cable service and a XXXX device in my Mom 's name in XXXX or XXXX of XXXX. My mother who died in XXXX of XXXX. There's no way she could have or would have ordered cable service even when she was alive. Now I'm receiving a debt collection notice from Amsher Collections Service in My Mom 's name. The original charter bill had no way to contact them. No email. No Phone Number. ( Can you say scam? ) I don't appreciate it that an employee at XXXX has accessed a list of deceased people to most likely get commission credit for completing sales. I know I don't owe the debt because it is not in my name, but it is very disturbing to continue to receive bills and now dunning notices in your deceased parent 's name.
Product: Credit card

As a federally protected consumer, I would like to opt out per 15 USC 6802 of any written, non-written, verbal, nonverbal agreements that I may have authorized. 
Navy federal has breached contract agreements by sending my information to no affiliates such as transunion, XXXX, XXXX, XXXX XXXX, early warning services and more.
Product: Checking or savings account

On XX/XX/XXXX I used the Bank of America XXXX XXXX, Texas location ATM to deposit {$8000.00} cash. The ATM would receive a maximum of 40 bills, so I made two transactions. 1 transaction went through and credited my account {$4000.00}. The second transaction did not process and the {$4000.00} was taken by the ATM. I immediately went inside to discuss with the branch manager. He instructed me to call to report it. I called, made the report and got a claim number. The bank issued me an immediate credit for the missing {$4000.00}. On XX/XX/XXXX, I got a message from the bank that my case was closed and the credit was permanent. On XX/XX/XXXX I received another notification from the bank that the credit was being reversed and no reasoning was noted. I called again and the bank is looking into opening the case again. I requested them to check the ATM reconciliation as well as review the video from the ATM that day. No resolution yet and I am currently out the {$4000.00}
Product: Credit card

AMERICAN EXPRESS continues to violate my consumer rights while I continue to attempt communication through mail and emails. Pursuant 15 U.S.C1691 ( a ) ~~ Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a transaction- because the applicant has in good faith exercised any right under this chapter. I have submitted multiple applications to AMERICAN EXPRESS and have been denied open-ended credit plan on each occasion due to discrimination against me for exercising my rights in good faith under ECOA ( Reg. B ), FCRA ( Reg. V ), and FDCPA ( Reg. F ) against previous Debt Collectors. My dealing with any debt collector or company reporting on a consumer report is PROTECTED and can not be used to discriminate against me. I have right dispute inaccuracies and unfair practices related to credit reporting and collecting. I have a right to maintain the security and privacy my non-public information. I have attempted to find remedy with AMERICAN EXPRESS for the discrimination against a consumer exercising their rights. No response has been received. I seek compensation and penalties placed against AMERICAN EXPRESS for each violation of willful non-compliance. AMERICAN EXPRESS has offered no benefit at all. I am a creditworthy consumer and seek immediate remedy to discrimination and access to the accounts. 
XX/XX/ Ref : XXXX XXXX XXXX XXXX Ref : XXXX XXXX XXXX XXXX Ref : XXXX It is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action, which includes denying credit, offering less favorable terms than applied for, or even closing an existing account, against a consumer. These adverse action letters attached are both proof and evidence of that discrimination, AMERICAN EXPRESS should be held civil and criminally liable. I seek immediate compensation for the use of my securities, otherwise this would be considered fraud. I have received NO BENEFIT for the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX
Product: Debt collection

These people have identified themselves as a collection agency and or law firm attempting to collect a debt. They have sent paperwork to our home claiming that there is a debt owed by a deceased family member. They were notified that the person who they were seeking to collect the debt from is deceased. Shortly after that they renamed the account to include not only the deceased persons name but also that persons sons name onto the paperwork. Essentially there are two different names placed onto the account. They seem to not have enough information to identify who it is that they are trying to say owes the debt and they want someone to claim a debt that has been titled under two different names. This does not seem to be common practice as the first thing essential to seeking a debt is to first identify the person who they claim owes the debt. We made a telephone call to the company and after a short conversation there has been doubt raised as to the validity of this company. They were asked a few questions regarding very basic collection laws that were answered incorrectly. I would like to make a report of potential attempted fraud,
Product: Credit reporting or other personal consumer reports

This company has failed to respond to me in a timely fashion to an urgent matter involving my consumer report. They are inaccurately reporting fraudulent and false information on my consumer report without my consent violating my rights to privacy. They are reporting Late payments on an account that is reporting inaccurately I provided a screenshot image of consumer report showing the inaccurate information. XXXX with the account number XXXX is the account in question. This is completely inaccurate. This account was paid on time and was never late. I sent multiple letters regarding the inaccuracies but they are failed to provide me responses. I sent out dispute multiple times now but still they are reporting it negative.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. CAPITAL ONE/ WALMART 5 missed payments XX/XX/2020 through XX/XX/2020. Had lost my job but found a new job and caught up to everything. Have not missed a payment since.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.
Product: Debt collection

I'm unaware of this debt. I didn't have the opportunity to dispute this information. If in fact ya 'll believe you gave me proper notification then please send me the certified receipt with my signature on it stating I received it.
Product: Mortgage

I have a condo loan that I refinanced. Currently with  Ditech  mortgage. I originally lived in it but moved out due to the elevator not working  (    XXXX   XXXX    XXXX  veteran that   XXXX   XXXX   XXXX   XXXX   ).     I was told that I would have PMI and was not given any PMI disclosure form or anything to sign. I had assumed that it would be discontinued automatically a t 80 %   equity. I contacted  Ditech  at that point  (    XX/XX/XXXX  ) sin ce I had always been on time with my payments and had paid my mortgage down quickly. I was told that in a lette r  XX/XX/XXXX  I wa s a t 78.6 % an d it was not going to be removed until I was a t 70 % .. Sinc e that time, I have written a letter requesting a copy of the PMI disclosure, and called them asking for it. I talked to  XXXX  on    XX/XX/XXXX     XXXX   pacific time . She said my appraisal was  XXXX  and I was scheduled to have PMI removed at  XXXX . She could not find a copy of my PMI document electronically but requested it from archives. I had previously been told my automatic removal date ( before beginning the paydown would have been   XX/XX/XXXX .  I continue to pay extra on my mortgage and would never have agreed to refinance with a removal at 70 % since this would not have gained me anything on my refinance. I feel my PMI should be removed immediately and all PMI refunded when I hit the 80 percent. I have no desire to pay for an appraisal.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inacurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with XXXX  XXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticty. 

As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable prof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 

Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 

In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate.
Product: Debt collection

I had progressive insurance, cancelled it, about a year or two later ( estimated ) they placed a collection on my credit, now I cancelled the insurance so I shouldnt owe anything, but they are saying I owe nearly {$700.00} that I was never contacted about, not by mail or phone.