23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

COMENITY BANK/VCTRSS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you COMENITY BANK/VCTRSS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMENITY BANK/VCTRSS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran without my knowledge or consent
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and noticed inaccurate information reported. I requested a reinvestigation and that these items be deleted from my credit report on XX/XX/year>. I see that the items are still showing on my credit report. Pursuant to 15 USC 1681 ( a ) Accuracy and Fairness of Credit Reporting, according to the law, before any information is inserted into my consumer report, it MUST be accurate and fair information reporting. I am aware of my rights and know, according to the Fair Credit Reporting Act. That I have a right to challenge anything and everything, that I am unsure of. 
My demands are : For you to provide me the audit trail and this is what I need included in the audit trail : Account file Ledger ALL accounting documents The transactional history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account IMMEDIATELY! 
If you fail to communicate to the Consumer Reporting Agencies that this debt is in DISPUTE, that would be a violation pursuant 15 USC 1692e8-False or Misleading Representation.

The law is very clear as to the civil liability and the remedy available to me, according to 15 USC 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend or pursue litigation in this matter suing your company for actual damages sustained.

Please be aware that freezing this account is not an update to my consumer report.

I am demanding that you reinvestigate this account immediately and respond within 5 business days with update. If you can not provide proof of the reinvestigation, these accounts MUST be deleted, according to 15 USC 1681 Treatment of Inaccurate or Unverifiable information. In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency, shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. 
Thank you for giving this you prompt attention, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account that I am reporting was originally a short term payday loan I am a Washington State resident I went to Oregon state got a pay day loan for {$350.00} And some unexpected things happened and it wasn't paid then this account was added to my credit report which the original contract at that time did not state anything about Credit reporting the original company is called XXXX XXXX then just recently it was sold off to a company called NATIONAL CREDIT ADJUSTERS LLC This company never ever notified me of anything that they had purchased the account they never sent anything in the mail stating that they were going to add this account to my credit report there was no communications I had contacted XXXX XXXX collections department and asked them what happened and they referred me to the 3rd party company that has obtain the Debt And because of this tough time with covid19 Money is tight I had used Part of my stimulus money to pay this in full.. On XX/XX/XXXX it was paid in full Originally when I had contacted XXXX XXXX I had a verbal conversation and I told them if I was able to pay this account in full would they be able to contact the 3rd party debt collector and tell them to remove this off my credit report and they said yes but they said I have to contact national credit adjusters They referred me gave me the number I spoke to to people that day the 2nd person I had set up the payment it was processed and they have no other reason to report this on my credit report I have submitted multiple disputes and nothing has changed I have provided documentation to the credit bureaus supporting all the information is true that I gave from me contacting the original debt collector which was XXXX XXXX then they referred me to the other company to pay it and they are refusing to take it off and this is a big problem specially in This time of need because I have other bills that I need help with and this sitting on my credit report is really badd when it was added to my credit report my score went down Big time All I'm trying to do is get this removed and move on with my life because I did not receive any notifications from this company no phone calls no emails no nothing up until I contacted them pay them in full So if we can get this fixed that would be nice
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.
Product: Credit card or prepaid card

ATM withdrawals in a city I don't even live we're done fraudulently without my authorization card company said no error occurred I authorized transactions which I did not I notified them within minutes of this occurring and they still denied my complaint they just did not want to investigate waiting for forms of their investigation but have not received
Product: Debt collection

This company has added a collection account to my credit that does not belong to me. Upon noticing that this account was on my report, I reached out to let them know that it did not belong to me but to no avail.
Product: Debt collection

In your response to me on complaint XXXX you said that you have no validation or proof from the previous agency. Now I am asking why your company is still trying to collect the debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a collection and inquiries that I didn't authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported : XXXX XXXX, 2023 Never open this card and they still reporting to my accounts. I did open an identity theft and this company will not take this off my credit report. 

Again I dont have this account and its been closed and investigation started. 

I want this taken off my reports
Product: Credit card or prepaid card

I applied and was approved for a venture one / capital one visa XX/XX/XXXX. Prior to making application by phone, I call, spoke to a rep and confirmed that I was applying for and eligible for the offer that was mailed to me ( 0 % Intro APR on purchases and transfers until XX/XX/XXXX ). Again when the card was received in the mail, I called and spoke to a rep and confirmed that I was eligible for the 0 % Intro APR on purchases and transfers until XX/XX/XXXX offer. The rep also provided me with details on how I could complete a transfer by phone on XX/XX/XXXX. I called on XX/XX/XXXX to complete the transfer and was placed on hold approx 20 minutes before being able to speak to a supervisor ( XXXX, VA call center ) who told me that I was enrolled into a card with a 17.99 % apr and that I was not enrolled in nor eligible for the 0 % apr offer for which I originally applied. He then went on to describe a lengthy process by which I was required to submit documentation in order to have my concern reviewed. Business Info : XXXX XXXX XXXX XXXX . XXXX, VA XXXX
Product: Mortgage

Rocket Mortgage manufactures mortgagee escrow account shortages through their Future Escrow Account Activity table. The Net Balance of every transaction line equals the shortage amount ( see XXXX XXXX XXXX XXXX XXXX XXXX  ), and every transaction ( Payments and Disbursements ) is nullified by an equal and opposite change to the Balance Required. 

Rockets claim the shortage amount is derived from the line at which escrow is at its lowest ( line 28 highlighted ) is bogus, since the same value is the Net Balance on line 1 and every line thereafter. Rocket can pick any number as the Required Minimum Balance constituent of the shortage, as the tables circular logic ensures it will appear on line 28 as its own validation. 

Although the shortage has been used to justify an increase to my Escrow Payment ( {$420.00} to {$440.00} effective XX/XX/XXXX ) actual payments increased to {$460.00}. My current payment includes {$51.00} in ( false ) shortage payments continuing until XX/XX/XXXX ( see XXXX XXXX XXXX XXXX XXXX - XXXX ). 

The minimum required escrow account balance should be established by the Real Estate Settlement Procedures Act, mortgage contract and state law, and remain unchanged other than by one of the above. Escrow payments should be set accordingly.
Product: Credit reporting or other personal consumer reports

I am writing to address an egregious inaccuracy I discovered while reviewing my consumer report. Upon inspection, I was astonished to find that the following company ( ies ) is/are reporting a late payment ( s ) : 1.Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX I demand the immediate removal of these erroneous late payment ( s ) from my report. This demand is grounded in established consumer protection laws that have been unequivocally violated. Below, I reference specific statutes that substantiate my position : 15 U.S.C. 1681a Definitions ; Rules of Construction Section 2, Exclusions, Subsection ( A ) ( i ) : Reports that contain information solely as to transactions or experiences between the consumer and the entity providing the report are not to be considered consumer reports under this statute.

15 U.S.C. 6802 Obligations Concerning the Disclosure of Personal Information ( b ) Opt-Out Requirements : ( A ) Financial institutions must provide clear and conspicuous notice to consumers before disclosing personal information to third parties.

( B ) Consumers must be given the opportunity to opt out of such disclosures.

( C ) The institution must explain how consumers can exercise their opt-out rights.

15 U.S.C. 1681b Permissible Purposes of Consumer Reports Subsection ( a ) ( 2 ) states that a consumer reporting agency may only furnish a report in accordance with the consumers written instructions. Reporting a late payment as a charge-off is classified as a transaction and does not meet the permissible criteria for inclusion on my consumer report.

15 U.S.C. 1681n Civil Liability for Willful Noncompliance Subsection ( a ) establishes that any person or entity failing to comply with the requirements of this subchapter is liable for actual damages or statutory damages ranging from {$100.00} to {$1000.00} per infraction.

It is my right under federal law to hold parties accountable for the willful or negligent violation of these protections. Therefore, I assert my right to seek damages in the amount of {$1000.00} per violation if this matter is not remedied promptly.

Please understand that simply stating the item has been " verified '' is not an acceptable response. The only valid resolution is the immediate removal of the disputed charge-off ( s ) from my consumer report if the legal basis for its inclusion can not be substantiated.

I expect a prompt response and an updated copy of my consumer report reflecting the removal of the incorrect information. Failure to comply with my request will leave me no choice but to pursue all available legal remedies to protect my rights. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

My wife and I purchased a used vehicle and financed with Credit Acceptance Corporation. After 18 payments were made on the vehicle I lost my job and asked Credit Acceptance if I could let the vehicle go back to them because I could no longer afford the payment, and they agreed. The vehicle was returned to the creditor in XXXX and I recently received a court summons in XX/XX/XXXX. 

Amount financed for XXXX XXXX XXXX - {$21000.00} Includes an extended warranty from XXXX XXXX XXXX XXXX XXXX. Both parties elected to opt out of purchasing any and all extended warranties. These signatures show the exact same time as the signatures to follow on the bottom of page 2 on the retail contract. Time stamped electronic signatures would show a different time stamp for both signatures if this was in fact signed at the time of purchase. ( See Attached ) Extended Warranty price - {$1500.00} All parties agreed to a purchase price of {$21000.00}. 18 payments were made on the vehicle, totaling {$13000.00}, leaving a total balance of {$8800.00} plus interest charges. Market value of vehicle at time of auction was {$14000.00} - {$16000.00} Vehicle sold at auction for 50 % market value - {$7900.00} Total balance ( minus interest charges ) after auction = {$930.00}
Product: Credit reporting or other personal consumer reports

Im deeply upset to see unauthorized inquiries on my credit report, which I discovered this afternoon. I routinely check my report, but this time, I was shocked to find discrepancies. Refreshing my browser didn't fix anything, and the issue remains. Im asking for a thorough review of the documents Ive submitted so that I dont have to deal with this stress again.
Product: Checking or savings account

I was trying to link my pnc back account to a payday loan app called XXXX  but the app saying it cant connect my bank account due to pnc having somekind of spyware that wont let it connect to my account even after me giving the app permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, unverified, invalid accounts must be removed. 

If Capital One is unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from credit reports including but not limited to XXXX, XXXX and XXXX XXXX. 

I demand the account be verified, that I be provide PROOF or removed immediately! 
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

On or about XX/XX/2017 I submitted a request to Capital One to provide me " wet signature '' actual proof of authorization to report any credit information according to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ). 


Despite numerous, requests, Capital has not removed from the reporting agencies information for : : Capital One a/c XXXX XXXX XXXX XXXX Capital One a/c XXXX XXXX XXXX XXXX I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed below : The fair resolution to the is for CAPITAL ONE to remove any credit information they are reporting unless they can provide HARD COPY PROOF TO ME through the physical verification of the original signed certified consumer contract - of any and all accounts o be posted and or reported on a credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was reporting inaccurately. I have 1, 30 day late payment on my account XXXX XXXX XXXX  XXXX, XX/XX/year> that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I believe that my credit has been breached or was in the data breach I believe that people have my credit information and have been using my credit to not only get credit cards but purchase other assets I'm uploading the 15 USC 1681 right to privacy act I will also upload a FTC report
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts listed on my credit report, and Im unsure how they got there. I routinely check my credit report, but this time, unexpected discrepancies appeared. I refreshed my browser, thinking it might be a glitch, but the inaccurate accounts remained. Due to this issue, I request a thorough review of the documents Ive submitted so I wont have to worry about this again.
Product: Credit reporting or other personal consumer reports

On the XX/XX/XXXX Consumer gave written notice to this company per 16 cfr 313.7. Attached is a copy of said notice. Also company clearly violated there own terms and conditions by sharing my information with non affiliated parties, which is a violation my privacy per~The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.
Product: Debt collection

I'm filing this complaint because a company called Jefferson Capital Systems furnished an alleged debt to my consumer reports. I did not receive enough information regarding the alleged debt nor was I given the opportunity to dispute the alleged debt. It was assumed that the debt belongs to me without them actually know if it actually did. This agency is damaging my credit standing, reputation, and character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting an unpaid charge off status with the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a balance due of {$3800.00}. This account was paid off several years ago. The account information was confirmed by the customer service department. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Product: Debt collection

XXXX XXXX XXXX turned of their DSL service to my residence in XXXX of 2021 but continued to bill me for the service even though they made the switch for my service to be provided through XXXX. I have written letters to XXXX XXXX XXXX and their endless collection agencies to no avail. They are harassing me for payment of services they no longer provide, along with late fees. This latest attempt comes from a forth collection agency and if the harassment continues I will look into what legal actions are available to me to sue for harassment. I have made it clear I am more than willing to meet them in court with all the documentation to support my argument showing that XXXX XXXX XXXX shut down their DSL service and forced me to go elsewhere for my internet service but they continued to bill me for the service they were no longer providing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has an item listed that I have asked for verification and validation on multiple occasions. XXXX XXXX  ACCT # XXXX The response that I got from them and the CRA 's says verified as accurate. 
Under USC 1681 section 4 conducting a reinvestigation and USC 1681 section 5 a ... .and section 5 a i ... ..furnishers of information are to collect complete and full accuracy of information being reported or promptly delete the item.

Once again I am asking for a full accounting of how much they say I owe them and not 2 pages of a PARTIAL BILLING STATEMENT. This can not be considered a complete and full accounting to get a verified as accurate.

This unverified item has caused tremendous damage to my credit and credibility.