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

I call Experian, XXXX, XXXX and someone was cursing and swearing at me. Laughing in the background very rude .Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian XXXX, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian, XXXX, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians, XXXX, XXXX CEOs as last resort before I Sue them all.
Product: Credit card

MIDLAND CREDIT ( XXXX XXXX XXXX XXXX  ) in the amount of {$2200.00}, account opened XX/XX/year>. I am requesting that this item be removed as I am the victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX XXXX showing as charged off on my credit report that is not accurate. I contacted XXXX XXXX and they have no record of the account in question as I have a different account with them in good standing. I then contacted Transunion to dispute this information and their investigation didn't remove the item in question. I called XXXX XXXX again to, once again, verify that the account listed on my credit report was incorrect and they, once again, confirmed that my account is in good standing and that the one showing on my Transunion credit report is incorrect.
Product: Mortgage

In XX/XX/2020, I received a letter confirming that I do not have any property taxes due to me being a 100 % XXXX veteran, total and permanent. I submitted this documentation through email and I uploaded it to their online portal. I received a reply from Quicken Loans saying that my email address is not attached to my mortgage, which isnt true whatsoever. They in fact harass me almost daily through my email, to the point where I had to tell them if they didnt stop harassing me, I would be retaining legal counsel. They are liars and have no moral compass. 

After I inquired again his email, I was told that they will not provide any information to me. I had to send yet another email, and received the same thing. I sent another one, and finally I was told that it would take 3-5 business days to have my property taxes removed from my payment. They also said that I would receive a refund that I demanded within the same time frame. The refund I am referring to is what I paid for property taxes which is in escrow. This was on XX/XX/XXXX. 

It is now XX/XX/XXXX, and after repeated emails and phone calls, I have been left with no answers whatsoever. They hung up on me three times, have transferee me to different people, and I have spent hours upon hours trying to get my payment corrected and my money refunded. 

If this isnt resolved by XXXX, XX/XX/XXXX, I am retaining council and we will go through the court system. Obviously these people at Quicken Loans/Rocket Mortgage choose not to make this right. I am urging anyone and everyone I see to NOT get a mortgage through Rocket/Quicken. They have been unprofessional from the very beginning, rude, and incredibly unpleasant to work with. In fact, the only reason why I closed the loan was because I was so far into it that it would have been a mess to start with another company. I should have gone with another company.

I need my payment adjusted, my refund sent to me, and Quicken Loans/Rocket Mortgage needs to report my account and all of my payments, which have been on time, to the three credit reporting agencies. This has been a nightmare. My lawyer knows about this and is ready to file.
Product: Credit reporting 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.

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

FOR THE PAST YEAR I HAVE SENT MULTIPLE LETTERS AND DISPUTES TO ALL XXXX CREDIT BUREAUS BECAUSE I AM A VICTIM OF IDENTITY THEFT. I HAVE SENT OVER XXXX DISPUTE LETTERS TO EACH BUREAU OVER A XXXX YEAR PERIOD INCLUDING MY POLICE REPORTS PROVING I AM INDEED A VICTIM OF IDENTITY THEFT. THIS GO COMPLETELY AGAINST MY CONSUMER RIGHTS AND I NEED THESE XXXX CREDIT BUREAUS TO DELETE THESE FRAUDULENT ITEMS. 

I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the account from my credit report immediately!
Product: Money transfer, virtual currency, or money service

I made a payment with PayPal. I partly paid with my PayPal balance and partly paid from my debit card. I sent it to the wrong email and requested a refund. The user sent the refund but it was never sent to my debit card. The bank says theres no record of the transaction. I would like the money refunded promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed an account from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-former I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-former diligent examination of this matter.
Product: Debt collection

This company is harassing me for debts that has reached the statuary limit. Ive been asking for a certified copy of an original contract between the above-mentioned and myself, with my signature specifically naming the above company as strict proof of contract that Ive yet to receive. Instead, Ive received copies of statements theyve brought from the original company along with the date of purchase to another collection agency before them. The date in which they purchased the debt is not on the documents. Im receiving letters with dates as far back as XXXX.
Product: Debt collection

XXXX XXXX CAINE & WEINER XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Verification of Debt - XXXX Dear CAINE & WEINER, I am writing to request verification of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) ( Section 809 ( a ) ). Specifically, I request that you provide me with the following : XXXX. The amount of the debt ; XXXX. The name and address of the original creditor ; XXXX. The date of last payment ( if applicable ) ; XXXX. A statement indicating that the debt is valid and accurate ; XXXX. A signed verification or affidavit from the original creditor or an authorized representative, confirming the debt 's validity ; XXXX. Any and all contracts or agreements between us, including but not limited to : - The original contract or agreement ; - Any subsequent modifications or addendums ; - Any assignment or transfer agreements ; Please note that sending contracts and statements without a signed verification or affidavit is not sufficient to meet the legal requirements of verification. I require a separate, signed document specifically confirming the debt 's validity. 

If you can not verify the debt, you must : * Cease collection activities ( 15 U.S.C. 1692g ( b ) ( Section 809 ( b ) ) ) ; * Notify me that the debt is unverified ; and * If the debt is on a credit report, request that the credit reporting agency delete the debt ( 15 U.S.C. 1692g ( b ) ( Section 809 ( b ) ) ). 

Failure to verify the debt or attempting to collect an unverified debt may be a violation of the FDCPA, including but not limited to : * 15 U.S.C. 1692e ( 8 ) ( Section 807 ( 8 ) ) ( false or misleading representations ) ; * 15 U.S.C. 1692e ( 10 ) ( Section 807 ( 10 ) ) ( unfair or unconscionable means ) ; * 15 U.S.C. 1692f ( Section 808 ) ( harassment, oppression, or abuse ) ; * 15 U.S.C. 1692k ( Section 813 ) ( liability for damages, costs, and attorney 's fees ).

Please provide this verification and any contracts or agreements within 30 days from the date of this letter. If I do not receive verification, I will assume the debt is invalid and may take further action to protect my rights. 

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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 Incorrect Name XXXX XXXX XXXX  XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Paid, Closed. {$720.00} written off. delete this from my consumer report Hey my name is XXXX, I am not working with a 3rd party nor a credit repair company. I am, sending this letter myself. I have studied my consumer rights. Youre a credit reporting agency that needs to perform lawful acts! Youre violating my consumer rights! Under the FCRA 15 U.S. Code 1681- Congressional findings and statement of purpose, Accuracy and fairness of credit reporting! IT MUST BE ACCURATE! IT MUST BE FAIR! IF NOT, THEN IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT! There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You never received my permission to release my information pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I have never given you my written instructions. Please show me proof that I gave you permissible purpose to furnish debt on to my consumer report. Pursuant to 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please follow the rules, or I will have to seek litigation as it only cost XXXX  $ to take you to court! Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I NEVER GAVE MY CONSENT SO THIS IS NOT FAIR NOR ACCURATE! DELETE NOW! 

Permissible purpose = written instructions With permissible purpose = consent Without permissible purpose = Identity Theft YOU DO NOT HAVE written permission or instructions for the identified transactions to be reported on my consumer report. I demand the following accounts be removed immediately. I DO NOT CONSENT TO E-OSCAR VERIFICATION I will also be seeking {$1000.00} per violation for : 15 U.S. Code 1681i ( iii ) ( 7 ) Description of reinvestigation procedure 15 U.S. Code 1681n 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Transactions and experiences are not included on my credit report 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports YOU DO NOT HAVE MY written instructions 15 U.S. Code 1681 ( B ) ( E ) FALSE INFORMATION 15 U.S. Code 1681b DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION 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.

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 15 U.S.C 1681 section 602 A. States I have the right to privacy I demand the following accounts be removed immediately
Product: Payday loan, title loan, or personal loan

I have had a high interest loan with Netcredit.com, since XX/XX/XXXX. I have always had access to their website to review my account information. Payments have also always been made on a monthly basis. 

In XX/XX/XXXX, I started to notice that the website was down. Each time I logged in, I would continue to receive a message that stated " Whoops, something went wrong. 
Please try again. Or call customer service at ( XXXX ) XXXX. '' Since XX/XX/XXXX, I have had absolutely no access to my account information, yet Netcredit continues to deduct my account on a monthly basis for payment. I have called at least once a week, with only to be left on hold for over an hour - and only having an automated message to listen to. 

I have also sent them several emails thru their " XXXX '' email with no response. The first email sent was on XXXX, and since then I have sent XXXX emails asking for follow-up with no response. 

Since this loan company has essentially " disappeared '', I have contacted my bank and temporarily stopped payment until I have access to my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending club has reported 5 late payments on my account that are incorrect. I went through a divorce in XX/XX/XXXX and lost access to all of my bank accounts. During this time I was in contact with lending club and established a payment plan to get on track. I did not miss the payments they have reported on my credit report which they allege is from XXXX XXXX XX/XX/XXXX. This is not the first time this has happened, I had a similiar issue with them when I switched a payment date and they dinged my credit for the payment being late in XXXX XXXX. It took me months of calling and sending them letters for them to finally remove the late report error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just look at my credit reports. XXXX, and experian both don't know my actual legal name and I think they have not done a very throughly investigation or they could spell my name right by now after all these so called verification of debts and you can't even get my name right. This pathetic and I think yall have me confused with another person. Iv turned in my social security card and drivers license may times now and still get my name wrong. Now I want my XXXX dollars a violation now for blatenly reporting Ina curate information matron yet again. Now.llok real close to name that is clearly printed with a XXXX at the end now does.its. that proves your verified information is incorrect I want these accounts deleted now all of them now I won't take XXXX for a answers cause the fair credit reporting act says its illegal to post in laccurate information cause its your civil duty to repirt XXXX perslcent accurate data. Or XXXX has to be deleted. Want cha done say that .consumer report violation!!!!
Product: Credit reporting or other personal consumer reports

I am writing to address several inaccuracies on my credit reports that need immediate correction. 

XXXX. XXXX XXXX XXXX XXXX This account is showing as closed and needs to be removed immediately as it was paid in full and should no longer be on my credit profile. 
XXXX. XXXX XXXX XXXX : This account is closed and should not be reflected on my credit report at all. 
XXXX XXXX XXXX XXXX  : This account was a collection that has been closed and paid in full. I have submitted proof of this several times, yet it still appears on my credit report. 
XXXX. XXXX XXXX XXXX XXXX This account has been closed for a while, but it still inaccurately reflects as open on my credit report. 
XXXX XXXX XXXXXXXX XXXX This account is also closed and should not be reflected on my credit report as it is inaccurate. 
XXXXXXXX XXXX : This account is closed and needs to be removed from my credit report as well. 

I have made multiple attempts to dispute these inaccuracies, but they remain uncorrected. I am requesting that these accounts be removed or updated to reflect their true status immediately. Thank you for your attention to this matter.
Product: Bank account or service

After First Merit Bank branch manger XXXX XXXX learned that I and my wife had filed complaints against the bank, and after he ignored my attempts to contact him about the Bank 's FRAUD & PHYSICAL THREAT, XXXX called me to say that the bank decided to close out my checking and savings accounts. This is RETALIATION. This will now cause me great harm, as I have several bills automatically due and scheduled. This will cause me late fees and damage my credit score. Also, the bank is causing checks to bounce. Such RETALIATION by the bank is totally against the public interest. In light of this, I requested that the bank keep my accounts open for 30 days to allow me to rearrange my bill payments. XXXX ARROGANTLY refused.
Product: Payday loan, title loan, or personal loan

I took out a loan for a small amount and now it has tripled in the payback cost and was sold to a collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 and XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries! 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the failure to remove a fraudulent accounts from my credit report. The bank and other bureaus have acknowledged and rectified the issue, yet it persists on your report. This not only violates compliance with the law but also harms my credit integrity. Please remove these immediately. 

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 and XXXX have already removed these accounts from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete these from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I respectfully request that you promptly investigate this matter and take the necessary steps to remove the remaining fraudulent accounts from my credit report. Failure to do so not only perpetuates an injustice against me but also exposes your bureau to potential legal repercussions for non-compliance with federal regulations.