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

my information has been sold to third party companies and thats FRAUD!!!!!!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX, New Jersey XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against I C SYSTEM INC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against I C SYSTEM INC for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** I C SYSTEM INC has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that I C SYSTEM INC cease such practices immediately.

4. **Failure to Provide Disclosures : ** I C SYSTEM INC has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by I C SYSTEM INC , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between I C SYSTEM INC and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of I C SYSTEM INC. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This is a follow up complaint to previous complaint  XXXX . Please reference the details in this previous complaint. The reason that I am submitting a new complaint is because today I called  Chase Southwest Visa to check on the status of my complaint. They informed me that they are just NOW beginning to investigate my complaint and that it will likely be several ADDITIONAL weeks before th ey are able to resolve my issues!! I first contacted Chase th e   XX/XX/XXXX r egar ding this problem. I followed this up with filing a complaint with the CFPB on   XX/XX/XXXX . It appears that they have taken absolutely NO STEPS to resolve my problem. I have received several form lett ers from " Th e Executive Office ' ' stating that they are investigating my case and will notify me when and if it is resolved. I do n't believe that they are doing anything on my behalf and are simply stonewalling. They need to be made to do right by this their customer!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for collection agencies that were on my credit reports stating that I did not have a contract with these companies. I do not know what they are collecting a debt, for. I have no knowledge of these companies. I also submitted a dispute in reference to credit cards that were listed as fraud from the credit company that the credit bureaus would not remove as well.
Product: Vehicle loan or lease

United auto credit refuse to provide me with 1099C Form cancelation of debt after reposession, charged off/written off asccount name UNITED AUTO CREDIT Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$19000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX loss.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} - Charge off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their refusal to process my dispute despite providing all necessary documentation. This situation violates consumer protection laws, and I am seeking assistance in resolving this matter. On XX/XX/year>, I submitted a dispute to Experian regarding inaccuracies on my credit report. I provided all required documentation to support my dispute, including copy of bank statement and drivers license. However, Experian has refused to process my dispute, claiming that I did not provide the necessary information. This is untrue, as I have proof of submitting all required documentation. Experian 's refusal to process my dispute is not only frustrating but also damaging to my financial well-being. As a consumer, I have the right to dispute inaccurate information on my credit report and expect credit reporting agencies to handle disputes in a fair and timely manner. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Experian for violating consumer protection laws. I request that Experian be required to process my dispute promptly and accurately, and that measures be taken to prevent similar incidents from occurring in the future. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XX/XX/XXXX credit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$4200.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX  Balance {$16000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$4400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$4800.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$980.00} Open Date XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$870.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX  Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$660.00} Open Date XX/XX/XXXX inquiries XXXX  XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  Date XXXX XXXX, XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX  XXXX  XXXX  Date XX/XX/XXXX XXXX  XXXX  XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  XXXX  XXXX  Date XX/XX/XXXX XXXX  XXXX  Date XXXX XXXX, XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX  XXXX  XXXX  Date XXXX XXXX, XXXX XXXX XXXX  XXXX Date XXXX XXXX, XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX  XXXX  XXXX  Date XXXX XXXX, XXXX XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, upon reviewing my credit report, I identified several billing errors in violation of 15 U.S. Code 1666 ( b ) regarding billing errors, specifically : ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. ( 5 ) A computational or accounting error made by the creditor on a statement. Additionally, I did not receive any notification or statement 21 days prior, as required, meaning no late payments should have been reported for these accounts. I am requesting hard, verifiable proof from the creditors bank records showing that I failed to make the payments that were marked as late, as this appears to be a clear billing error. As a consumer, I have legal rights under the law, and these accounts must be updated or removed immediately. Failure to do so will result in my seeking monetary damages for the violation of my rights under 15 USC 1681n ( civil liability ).
Product: Mortgage

On XXXX XXXX, 2008 the credit market for my MBS contracts/contracted was restricted to the wider credit market by this unknown alleged finance entity on record on my real property credit contract after " Tender '' under Federal law was offered to the unknown party removing them from contract with/for TILA rescission 15 U.S.C. 1635. I have been discriminated against based on my MBS contract to a wider market. This unknown party had to be removed them self 's so Tender could be offered. 
Tender was Offered if the procedures were followed. As such you do not get a House. Tender was offered you have no legal standing after Tender was offered by Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the item that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
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
Product: Credit card

I received two fraudulent charges on a CapitalOne card ( for {$39.00} and {$360.00} ), which I did not make and challenged as unauthorized. The company initially reversed the charges, but re-instituted them. When I called to inquire, they said they were made with the chip, and thus werent unauthorized, and were put back on because I needed to say the card was stolen, not that the charges were unauthorized. They said they would file an appeal. I have heard nothing further.
Product: Mortgage

I I had a real realtor working with me to do a quick sale on the home and they approved it but they have since rejected three offers that had been set to go to closing stating that the amount of money was not enough the house is not worth what theyre asking for and I feel like they are trying to railroad me I filed bankruptcy I paid off this house in bankruptcyBut yet they are saying I still owe on this house Im just trying to keep my credit straight and get away from these people after paying in seven years XXXX and some odd dollars this house has been paid off I shouldnt have to pay it off again I want out I need help
Product: Debt collection

I voluntarily gave my vehicle back to the company that was financing it after year you 're not really responsible for the debt is really been three years and I do n't know how do you can take XXXX points when you volunteer to give the car back from my credit report how can you XXXX come up with this
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC Report and the Louisiana DMV Data Breech that made global news and impacted me as a Louisiana resident. I don't have an account with the companies mentioned, these are a result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are failing to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number.

I have advised all 3 credit bureaus Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Debt collection

30 days ago I sent a dispute letter to Portfolio Recovery asking that they verify that I owed the debts that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.
Product: Debt collection

Account reporting under collections. I do not recall and feel they are attempt to collect a debt that is not mine. I have asked for proof that the debt is mine, and was advised that they have a contract with me in regards the debt they were attempting to collect, but would not provide me with any type of proof this is in fact mines. 

I would like the company to provide with all information on this as I truly feel the this is fraud and needs to be removed from my credit report. Company has failed to response to my request and would like some help on getting them to validate the debt for me.
Product: Vehicle loan or lease

We purchased a XXXX XXXX and it was financed through Bank of the West. BMO has now purchased Bank of the West. Our XXXX is faulty XXXX XXXX XXXX is paying off our loan. On XX/XX/2023, I called BMO customer service number and requested a summary of payments and a W9 to be mailed to XXXX XXXX. I received an email from XXXX XXXX ( XXXX XXXX ) to advise she had not received the W9. I also only received the latest statement. 
Yesterday ( XX/XX/2023 ), I was on the phone a total of almost four hours and spoke with multiple people at BMO trying to get a W9 faxed to XXXX XXXX. The majority of people thought it was form to prove US Citizenship. I finally spoke with XXXX at BMO and she was a resolution manager. She advised she would fax the W9 to XXXX. I received an email from XXXX at XXXX to advised she had not received. 
Long story short, I have documented several different times from BMO that they do not and will not send a W9 to XXXX XXXX so they can pay our loan off. I contacted Consumer Affairs and they advised I needed to file a complaint with your organization regarding this refusal to provide XXXX XXXX so they can pay our loan off and report this payment to the IRS.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute and request the removal of certain previous addresses from my credit report, as governed by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that there are addresses listed that are no longer associated with me, and I request that they be removed promptly. 

The inaccurate addresses that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  addresses are outdated and do not reflect my current residency. According to the FCRA, only accurate and verifiable information should be present on my credit report. As such, I am requesting the removal of these addresses to ensure the accuracy and integrity of my credit file. 

The only address that should remain on my credit report is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I have attached proof of residency documents for my current address to support this request. I kindly ask that you investigate this matter and remove the inaccurate addresses from my credit report as soon as possible. 

Under the FCRA, I am entitled to a fair and accurate credit report, and I trust that you will take the necessary steps to rectify this discrepancy. Please provide written confirmation once the incorrect addresses have been removed from my credit report. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the provided contact information. 

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

Auto loan with XXXX bank, is reporting false information, therefore the information should be removed all together. I spoke with XXXX bank and they stated that they sent a letter to correct the false information and XXXX other agencies already corrected this months ago ( XXXX and XXXX ) But Experian refused to fix and report truth and also refused to put a statement on my file explaining the issue
Product: Money transfer, virtual currency, or money service

I lost XXXX because I accidentally sent money through XXXX with Bank of America in XXXX and I contacted the bank about this issue of this money couldve been refunded or stopped and they never gave me a solution for this.
Product: Checking or savings account

Welsfaro online refused me to open up a account with my verified information XXXXXXXX XXXX also hasn't been able to open a account for me with my verified information XXXXXXXX XXXX also refused to open up a account for me with my verified information
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022