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

his is my several letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed as they are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, I submitted a dispute to Equifax regarding inaccuracies on my credit report, including late payments, charge-offs, and unauthorized hard inquiries. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax was required to complete their investigation and respond to my dispute within 30 days, by XX/XX/year>. Equifax failed to respond within this timeframe, only providing a response through this portal on XX/XX/XXXX, XXXXwell beyond the legally mandated deadline.

As stipulated in FCRA 611 ( a ) ( 5 ) ( A ), if a credit bureau can not verify disputed information within the 30-day timeframe, they are required to delete the information. XXXX retention of these items constitutes a direct violation of the FCRA. 

The accounts and inquiries that Equifax failed to verify within the required timeframe include : 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 
Hard Inquiries by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Equifax also failed to provide the required method of verification under FCRA 611 ( a ) ( 7 ), such as creditor contact information or supporting documentation. Additionally, Equifax ignored my explicit request for responses to be sent via certified mail, further demonstrating procedural negligence. 

XXXX failure to meet the 30-day deadline legally mandates the deletion of all disputed items from my credit report. Their non-compliance has caused me significant harm, including : A XXXXpoint drop in my credit score. 
Increased loan costs of $ XXXX due to higher interest rates. 
Denial of credit opportunities, forcing me into financial hardship. 
I request that the CFPB enforce FCRA compliance by requiring Equifax to : Immediately delete all disputed items from my credit report as required by law. 
Investigate XXXX systemic non-compliance with FCRA. 
Impose penalties for their willful and negligent violations. 
XXXX failure to respond within the legally mandated timeframe invalidates any claims of verification. I seek immediate resolution of this matter to prevent further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a XXXX XXXX XXXX on my report. Ohio law and courts do not report to credit bureaus or third party reporting. The courts do not allow that and will not provide that information to the credit bureaus. They are not permitted Equifax, XXXX or XXXX to place information on my report without accuracy or proof from the courts. I would like this removed immediately from all three bureaus.
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. 

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 a consumer reporting agency can not furnish a 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 by 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hello, I would be interested in unlocking my online access to my Chase XXXX checking account, and subsequently closing this account as well. Account was opened on XX/XX/XXXX and was locked after making a {$500.00} deposit to my linked XXXX XXXX XXXX checking account on XX/XX/XXXX. My Chase account was over a year old at the time, the transaction was only for {$500.00}, and the XXXX XXXX XXXX checking account is in my name as well, so there should not have been a problem with this transaction. Since the account is no longer usable in many respects due to no online access, I would like this account to be closed as well. Statements and transactions to verify account ownership, identity, address and activity are attached to this complaint. In addition, I noticed over automated telephone banking that an insufficient funds fee of {$34.00} was deducted from my account on XX/XX/XXXX. Considering that I do not have sufficient access to my account and dont know what could have caused this fee to have been triggered, please refund this particular fee to my account at this time. I have not incurred any other fees with my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX have violated my right 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 any written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX through XX/XX/2024. Tried over 15 times to obtain a temporary ( 72 hours ) lifting of credit account freeze by Experian credit reporting agency.. Experian 's robotic system could not verify my identity, asking multiple questions and all of my valid responses related to my identity were met with he reply : " that information does not match any information in your account, '' including my reply to the robot 's questions as to my date of birth and social security number. 
Impossible to speak with a live person..
Product: Debt collection

i notice negative items from procollect inc on my credit report and has been disputing them over a couple of month with no reply asking for a alleged debt that i do not owe.I 've ask them for certain things concerning this complaint and hasn't gotten anything and i have attach a copy of my documents below.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

Greetings, Wells Fargo Bank which I do not bank with and do not have any accounts with allowed XXXX XXXX XXXX to mobile deposit a check to there banking system with my name on it. This has cause a negative impact to my credit limiting me the ability to purchase another car and to apply for a home loan while sending my credit score dropping a minus XXXX points below. Wells Fargo 's was complicity while allowing XXXX XXXX XXXX to cash that check with my name on it fradulauntely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned I am a victim of Identity Theft. I have been taking action against this violation and trying to clean up the inaccurate records listed on my credit reports. 

I noticed all three credit bureaus listed a Public Record that was not mine. I then researched their method of verification and learned they all obtained their information via XXXX XXXX a third party company. 

On XX/XX/XXXX I sent a certified letter to XXXX XXXX asking them to explain where they obtained their information and why it was in my file. XXXX XXXX responded stating they could not verify the public record and has subsequently deleted this from my file. 

Following this XXXX XXXX correspondence I submitted a letter to all three Credit Bureaus via certified mail on XX/XX/XXXX asking them to remove the inaccurate information. 

Instead of removing the inaccurate information XXXX and Trans Union continue to promote this negative information. I then sent a second certified letter on XX/XX/XXXX again asking that they take my concern seriously and remove the inaccurate information from my file. I heard nothing from XXXX. 

On XX/XX/XXXX I tried calling both XXXX and Trans Union to confirm they received my dispute. I was only able to speak with a Trans Union representative who told me he would re-submit a phone dispute. On XX/XX/2022 I received a letter from Trans Union stating they have reopened and completed their phone dispute but they still have not deleted the information. Instead they are still reporting this negative information as accurate. 

I still have not received correspondence from XXXX following my second dispute letter sent on XX/XX/XXXX. 

I need some help because Trans Union and XXXX are not re-investigating the information. If they had they would see this information is not in my XXXX XXXX XXXX and therefore remove the inaccurate data from my credit report. 

XXXX has re-investigated my dispute from XX/XX/2022 and has deleted the inaccurate public record. I don't understand why is Trans Union and XXXX would ignore my request and even break the law by continuing to report this negative information.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 20 late payments on an account that 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 and Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX up until XXXX XXXX ). These CAN NOT be reporting accurately because these 20 late payments ALL say that they are each 60 days late, which makes this CLEARLY INACCURATE REPORTING. I demand these payments immediately be updated to PAID/CLOSED NEVER LATE.
Product: Debt collection

I am writing to formally lodge a complaint against [ LVNV FUNDING LLC ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing violations of 12 CFR 1006.34.

Summary of Violations : 1. Failure to Provide Validation : [ LVNV FUNDING LLC ] has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite my request for validation of the alleged debt, they have not supplied any documentation or information to substantiate their claims. 
XXXX. Dispute Rights : I have not been afforded the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). The lack of validation has prevented me from appropriately addressing the validity of the debt. 
XXXX. False and Misleading Practices : The collection agency is using false, misleading, and deceptive means in their attempts to collect this alleged debt, which constitutes a clear violation of consumer protection laws. 
XXXX. Unauthorized Reporting : [ LVNV FUNDING LLC ] has furnished an account to consumer reporting agencies without providing the necessary disclosures required by law, thus violating 12 CFR 1006.34 ( d ) and USC 1681s-2 ( a ) ( 7 ) ( A ).

Dispute Declaration : I hereby dispute owing {$570.00} to [ LVNV FUNDING LLC ]. I am requesting that they cease all communication with me via text, email, or phone calls, as I am revoking all rights for them to contact me in this manner.

Request for Documentation : I also formally request the following : A complete validation of the debt in question, including any purchase agreements between [ LVNV FUNDING LLC ] and the original creditor.

Any documentation that demonstrates their authority to collect on this alleged debt.

Please address this matter promptly. I would like confirmation that my dispute has been received and that appropriate actions are being taken regarding this issue. Thank you in advance!
Product: Mortgage

We have had significant damage to our house during the hurricane. We have received our insurance check we had to submit it to Vanderbilt mortgage as a third party on the check. We have been attempting to get things repaired on our house we have actually paid out of pocket for quite a few things and they are not reimbursing us nor paying the bills of the contractors that we have hired to perform the work. They currently owe {$720.00} for the tarping to be done on a roof {$300.00} for the fascia to be repaired {$4100.00} for the remaining of the roof replacement and they owe me over {$4000.00} for reimbursement for items that we have previously purchased with our own money out of pocket for flooring, flooring materials and paint. the policy on their website says that claims are processed within five to seven days this is not been the case as I have been sending them emails and calling several times a week to try and get things processed and it is taken over a month to get two of these invoices paid. I have sent them numerous pictures to show progress as they have asked for and we still have not received payment for the things mentioned previous. I have contacted our insurance company to let them know that we are not able to get items repaired on the house due to the mortgage company being delinquent on paying invoices and reimbursement. The insurance company is also trying to help with a resolution. there is also a law firm in town that is willing to help with people that are having these issues with a mortgage company and we have contacted them and are on their list to seek assistance. we can not continue to ask contractors to perform work and then not be able to pay them. After speaking with XXXX XXXX numerous times who is a manager with Vanderbilt mortgage he assured me that things were going to start getting paid. I have maintained a list and the dates of every time that I've called, who I spoke with and emailed Vanderbilt mortgage with no success.
Product: Debt collection

I am writing this letter due to the actions that Financial Recovery Services , Inc has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX, LLC is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with Financial Recovery Services , Inc., and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX, IL XXXX And the address XXXX XXXX XXXX XXXX XXXX, IL XXXX They must be removed immediately In the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.
Product: Debt collection

I made payment arrangements with XXXX XXXX, {$100.00} a month until paid off, XXXX XXXX agreed. I haven't missed XXXX payment, but XXXX decided to place a judgment against me anyway, which is not our agreement, Oh and by the way, XXXX didn't send me any communication as to when the court date was held or where, that's how the judgement fell in their favor, very shady Business practices! 
I was informed, that as long as I make the monthly payments on time, XXXX XXXX would not pursue a judgment, they're going back on their word.Bad Business practice.
Product: Checking or savings account

I opened the account in late XXXX and signed up for online banking, including mobile banking. 

I signed the agreements and all the required documents, yet the website kept logging me out immediately and says " looks like you aren't enrolled in any Laurel Road  products just yet '', even though I still receive emails every month that my account statement is ready. 

I'ver called and emailed the company on two separate occasions in XXXX, the first time I got an email saying the issue has been fixed and I should be able to login now. Following the email, I immediately tried to log into the account, but to my dismay, the issue was still there. I contacted them again and this time I even sent a screenshot to show them the error, but has yet to hear back.
Product: Debt collection

In XXXX, 2015 I entered a written dispute with AWA COLLECTION reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, AWA COLLECTION was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

AWA COLLECTION failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with AWA COLLECTION an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. AWA COLLECTION failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state Division of Financial Services in Florida indicates that AWA COLLECTION is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to AWA COLLECTION have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
Product: Credit card or prepaid card

6 Tickets were purchased for XXXX XXXX at XXXX XXXX in XX/XX/XXXX using CITI credit card for {$440.00}. Tickets were never mailed to customer. Customer contacted XXXX XXXX in XX/XX/XXXX to inquirer about tickets being mailed. XXXX XXXX advised customer that order was cancelled and credit card was refunded. XXXX XXXX NEVER notified customer that order was cancelled. Customer called CITI financial to inquire about REFUND. CITI Financial claimed a REFUND was never issued. CITI Financial will not assist further due to being outside of 60 day window to file a claim. Customer has all statements from last 12 months and no REFUND is showing. Customer sent this information to XXXX XXXX 30 days ago. XXXX XXXX have not responded to customers situation through email and phone number provided is discounted. Total amount in question is {$440.00}. Customer still had to pay amount for an event that he doesnt have tickets for.