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

I am requesting the deletion of inaccurate, re-inserted, and fraudulent accounts on my consumer credit report. After reviewing my credit report, I am NOT responsible for these accounts.

15 U.S. Code and 1681c-2, a consumer reporting agency shall block the reporting of any information in the consumer 's file that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt. Please delete these items IMMEDIATELY!

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 under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. 
15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other By the written instructions of the consumer to whom it relates. 
15 U.S.C 1681c. ( a ) ( 5 ) Section which 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 by more than seven years.

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file under subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

I demand you cease under federal laws 15 U.S.C 1692c ( c ), and you are in violation if you continue to report this inaccurate information. 

I have identified specific inaccuracies that do not reflect the correct details or circumstances. Attached, you will find documentation supporting my claim and demonstrating the discrepancies.
Product: Debt collection

XXXX XXXX XXXX XXXX, Account was Paid, Company stated that account would be paid with deleted from Credit report and was n't. I Would like for it to be Deleted from all 3 reports!!! 
Open XXXX/XXXX/XXXX Paid XXXX XXXX XXXX, Account was Paid as Agreed, Transferred to XXXX XXXX XXXX, Only had 1 account and had been PAID IN FULL XXXX. I would like for it to be deleted from all 3 reports!!!
Product: Credit card

XX/XX/year> Capital One customer service directed me to send them power of attorney to act on my brother 's behalf to pay off his credit card accounts. Only the power of attorney was requested. 
XX/XX/year> after some fruitless calls for status, I went to a branch of the bank where, with the assistance of a Capital One employee, I filled out forms which he notarized, and also provided a copy of my power of attorney and GOVERNMENT ID. He then faxed them to some division of Capital One. These additional items had not been requested from me during my first call to Capital One. 
XX/XX/year> I called for status, and was told my application was not accepted. I tried to discern whether it was my first application or my second one but the only answer was " your application was not accepted ''. 
XX/XX/year> I received 3 letters from Capital one. All informed me that my request was denied. Copies attached. They all gave me a telephone number to call ( XXXX ) if I had any questions. Paradoxically, when I called, they refused to answer my questions, namely : Had both of my submissions been denied? and What were the deficiencies in each case? The letters referred to different case numbers, but they wouldn't answer any questions as to what the numbers referred to, simply stating that my request had been denied. It was suggested that I submit any further requests by mail as sometimes faxes are illegible.
Product: Debt collection

I contacted the debt collection agency to verify the debt of {$7000.00} on XXXX XXXX. I asked for documentation to verify this debt. As of XX/XX/2023 I have not received information. The debt in question is from a utilities company that has never been in my name.
Product: Debt collection

The number that called is XXXX XXXX XXXX. They told me that I owed XXXX XXXX XXXX and wanted me to settle my debts I said yes because I wanted to get it over with. They processed payment two weeks after our agreed date and did it twice. Now I am trying to call the number they called me and it goes directly goes to voicemail. I have tried looking for this ADR arbitration and mediation company but no luck so far.
Product: Credit card

So apparently the account settlement plan was canceled due to a failed payment. The company did not notify me in any of the subsequent phone calls and until.i asked for verification of the amount today. I've made payments believing that the plan was still active. Then refused to reinstate the plan and offered another plan at a higher amount. I will accept the plan bur the agents all failed to do their due diligence as each time I called I specifically mentioned the settlement plan. 

I did become very irrate and belligerent but the agent matched the energy and then gave off a condensending tone with remarks making fun of the situation. He literally said " it's your debt and get your financial situation " in the rudest tone.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX, EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report.

XXXX XXXX  BANKRUPTCY Case Number : XXXX  Delete this account.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX  Delete this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my original creditor, XXXX XXXX, issued a Form 1099-C ( Cancellation of Debt ) for an auto loan, officially recognizing the debt as canceled under 26 U.S.C. 6050P. According to IRS Notice 2012-65, once a 1099-C is issued, the debt is considered canceled, and the creditor should no longer report it or attempt collection.

Despite this, the account remains on my credit report, negatively impacting my credit score. I disputed the inaccurate reporting with TransUnion but they have failed to correct or delete the account.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1681e ( b ) ( FCRA ) Credit bureaus must ensure maximum accuracy, yet they continue to report a canceled debt.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) Data furnishers can not report inaccurate information, and reporting a canceled debt is misleading.

15 U.S.C. 1692e ( 8 ) ( FDCPA ) Prohibits reporting false or misleading information, including a debt that has been legally canceled. 
Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court ruled that credit bureaus must conduct a reasonable investigation when a consumer disputes an account. By failing to properly investigate and remove this account, or TransUnion is in violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is also reporting my personal information in error and inaccurately. Ive disputed these errors and incorrect items on my credit report numerous times and provided documentation of my one and only address and your company still failed to remove and update this incorrect information. The items showing errors and reporting incorrectly is : The address of XXXX XXXX XXXX XXXX XXXX, La XXXX and XXXX XXXX XXXX XXXX XXXX, La XXXX. I can not receive any mail from the United States Postal Office at either address. 
My correct address and the only address I reside at is XXXX XXXX XXXX XXXX XXXX, La XXXX please update. 
My correct date of birth is XX/XX/XXXX ( XXXX ) please correct and update. I Ive provided supporting documents, my original Louisiana birth certificate, my Louisiana Drivers License, my social security card, my W2 and a copy of an utility bill. Please reinvestigate these and delete and correct the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 Section 604A Section2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, I am a victim of Identity Theft. I've contacted XXXX, Experian and XXXX to remove all unauthorized inquiries that are listed below. 

EXPERIAN UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company to request the documents be sent to me to validate this debt and have yet to be sent any information. Then I contacted the XXXX XXXXXXXX and Transunion and reported the fraud. XXXX told me that it does not meet the guidelines. This account is not mine ALSO this account is 60 month terms that would have ended XX/XX/2021 but still reporting late payments. The balance continues to fluctuate going up and down. Last month XXXX they reported a {$310.00} payment due. This account is incorrect unfair and becoming a burden on my credit. Also the date opened, payment status, date last active, and date last reported are not the same. Under fcra guidelines I have the right to a fair and accurate credit file..Please remove this account from XXXX AND TRANSUNION ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried to get a refi loan on my home. I was told I had co-signed on a car loan at a XXXX XXXX XXXX in XXXX XXXX, CO on XXXX 2017. It is a joint loan with an XXXX XXXX XXXX and was given a name of XXXX XXXX. My name is not XXXX XXXX and I do not know who this person or person ( s ) are. I reported the error to XXXX and they refused to remove this person from my credit report. I have since contacted the police in XXXX XXXX, CO and they are investigating the incident. I do n't know if they have used my social security number or my deceased husband 's but need to have this corrected as soon as possible. I ca n't seem to talk to a person at XXXX so need some help getting this corrected asap. XXXX seems to take the side of the credit union instead of listening to me. It is very frustrating. The same error is on my Equifax credit report. Thanks for your help.
Product: Checking or savings account

Hello, My Wells Fargo account was been withdraw $ XXXX/month by XXXX XXXX without my consent. I already filed a case with XXXX XXXX case number is XXXX. Transaction # on my bank statement is XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the creditors and Spoke with a agent and explained to her the law 15 U.S.C. 1666b ( Timing Of Payments ) and explained to her that I have not been getting my statements in the mail she waived my fees on my XXXX XXXX XXXX  and XXXX XXXX, XXXX XXXX  XXXX. She waived the late payment fees but they did not remove the late payments from credit reports and it's hurting my credit tremendously! I have called the XXXX XXXX and disputed the late payments with XXXX, Equifax, XXXX with the result of the late payments still showing on my credit report. Attached are my statements showing the waived fees and a copy of the FCRA Law 15 UC Code 1666 b.
Product: Debt collection

I contacted this company after seeing an account from them reported to my credit ( XX/XX/2022 ) The amount of the debt owed had changed from the original creditor 25 %. I requested an itemized statment, and was told by the rep that they had already sent one out. It is a violation per FDCPA to refuse to send out an itemized statement. Not only are the charges for this debt questionable but CBSA can not tell me the original amount of the debt, any payments made toward the debt. They referred me back to the original creditor, stating that they don't own the debt. I reached out to the original creditor who then referred me back to CBSA. I have no contract with CBSA nor do I owe the debt they are claiming. This needs to be removed from all credit bureaus immediately. The Texas Secretary of State website does not show CBSA as a third party who is able to operate in the state of Texas. They also do not own the debt, and I don't owe it. This is illegal per the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
Product: Credit card or prepaid card

A creditcard from discover was opened in my name sent to a address I never lived at state I don't live at or have opened online. I have communicate with them and did a fraud process and they told me the reason my claim was denied is because a airline ticket was bought. I asked was it in my name and do they have proof I boarded the plane, no was the answer. Then the account was closed due to return checks and non payment
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a complaint to reporting agency and spoke to the collections company. The verbal agreement when this debt was paid was to have it removed. It's shows on my report as paid when it shouldn't be there. 

You shouldn't be able to dangle a removal carrot once a debt has been paid. After making a agreement to remove it.
Product: Mortgage

I called Seterus as I did get a late letter notice. But I also wanted a detaile escrow statement for 2015 with all payments & the breakdown of my taxes and home insurance. When I called, I was connected to XXXX and he found my payment was in escrow, not sure why. But I also asked him for this detailed printout. I had to call him back with my loan number and I got XXXX XXXX. Needless to say, this young kid was not only rude, he talked over me and all I wanted was this printout which I am entitled to. 
I have had several issues with Seterus in the past but I have been ahead with my payments in the past years, even paying more on principle. So my request should not be something that causes a customer service rep to get nasty about. 
This was on XXXX XXXX of this year and I have yet to receive my escrow printout.
Product: Credit card or prepaid card

During this covid-19, wallmart credit card managed by capital one bank not offering any deferred payment, on top chargeing late fees. 
I request today to delay my payment, since i am having trouble marking payment they denied to help not only that XX/XX/04 my payment due date and i called bank to waive my late fees they refused because cutover time is XXXX. Since i called XXXX so i have to pay late fees. Although all other credit card companies help me by offering deferred payment without late fees. But Capital one refuse to do so for past month on ward. Although they are saying they are helping which is not
Product: Mortgage

My mortgage on the payment that reached 20 % of original appraisal value was sold to Freedom Mortgage. OnXX/XX/XXXX I wrote Freedom Mortgage and requested PMI be removed. They exercised their right to force a new appraisal ( even though  home values have went up 20 % ) and due to the cost of appraisal wiping out the difference I decided to wait until the 22 % mark was reached where they are required by law to drop PMI. 

They have not removed PMI charges against me even though I have exceeded 22 % of original appraisal value. Once they charged me PMI after exceeding 22 % I wrote them again on XX/XX/XXXX informing them of the homeowners protection act and demanding PMI be removed going forward. I received a generic canned response and on XX/XX/XXXX they again charged me PMI. 

I have never been late on a payment in fact I have made additional principal payments each month. My current loan remaining is XXXX ( not including the payment today. ) with an original appraisal value of XXXX. According to the Homeowners protection act they are required to utilize the original appraisal value and are required to remove PMI at 22 %.