23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RENTDEBT AUTOMATED COLLECTIONS has not provided proof of my obligation of this alleged debt as requested and continues to report this trade-line to XXXX. This is creating major issues for me such as high inrerest rates, lower credit scores, job declines, and application rejects for outstanding balances owed, for me and my small children, which one have a severe XXXX, during a world-wide pandemic. 

I disputed this account on XXXX and XX/XX/XXXX of this year on my XXXX, XXXX , and XXXX credit report to no avail. I also disputed directly within RENTDEBT AUTOMATED COLLECTIONS on XXXX XXXX and XX/XX/XXXX of XXXX. To date, RENTDEBT AUTOMATED COLLECTIONS continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 

Who verified this account? what documents did they use to verify? Where are the documents used to verify? 

This only correspondence that i received was information about opening date, charge off date, billing statement, and a copy of an application. These items do not qualify as full verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that RENTDEBT AUTOMATED COLLECTIONS knows they can not tie me to this account, otherwise, they would have done so when i made my initial request. RENTDEBT AUTOMATED COLLECTIONS is blatantly disregarding the law.
Product: Consumer Loan

Insurance was force placed on account. Proof of coverage was provided to prove auto was covered for the period of time insurance was placed. Insurance was faxed XXXX/XXXX/2017 and verified on XXXX/XXXX/2017 by insurance tracking department that insurance that had been force was canceled and we were due a full refund of the premium in the amount of {$910.00} on XXXX XXXX, 2017 called lender to see if refund had been received. The refund had not been received. Called back on XXXX/XXXX/2017 and spoke with lender and insurance tracking department. Both agreed refund had not been credited to account. Bank issued a maintenance request on XXXX/XXXX/2017 to credit the account for the refund. As of today XX/XX/2017 the refund has still not been issued. Customer service at the bank tells me to call insurance tracking which is a third party and insurance tracking tells me they have done their part and to call customer service. Just today I have held for over 2 hours being told it 's everybody else 's fault and no one will give me an answer. I have requested to speak with supervisor and get put on hold and no one will answer. I have requested the name and telephone number for a supervisor and get put on hold and no one ever gives me any information. I am getting the run around and I am tired of it. This has been going on for over a month and I want a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I have a XXXX XXXX XXXX. According to the credit bureaus, there has been a credit score decrease of XXXX points in XXXX due to me exceeding the credit limit of {$50.00}. After reviewing my credit reports, I realized that the {$50.00} balance from XXXX is reporting instead of the balance for XXXX. According to XXXX 's terms, I'm required to add money to the account to set the spending for the month. The spent amount is locked as the secured funds in the XXXX account, which then can be used to repay the statement balance automatically with XXXX at the end of the month. I have not been provided with a statement for XXXX, but I do have screenshots of the transactions from the account. I deposited almost {$1000.00} into the account in XXXX. I've had the account for more than 6 months and I have only been provided 3 statements excluding the statement for XXXX. Also, XXXX does not have live agents for emergencies. Customers are required to chat with a live agent. This is an inconvenience when credit card companies have to contact a representative to verify transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting a medical debt on my credit report from XXXX XXXX XXXX in the amount of {$880.00}. Ive disputed this debt over and over again and neither Experian, XXXX or XXXXXXXX XXXX XXXXXXXX would provide me with the method used to verify this debt as accurate. It is unlawful to report a debt with a past due balance as accurate and it is causing me sleepless nights and stress. I have a ton of fcra violations as well as cfrs etc.
Product: Credit card

I had just made my credit card balance to XXXX and was monitoring the card to be reported. I ended up losing my card, reported it, requested another one. Revvi allowed a transaction of {$290.00} to go through online with the card reported lost after I reported it lost. After contacting them, the representative reported the card I was waiting on as lost. It was wrong. Once I got the new card, I was activating the card and that's when I was told the card was canceled because I reported the {$290.00} transaction. I explained I reported my card lost, they allowed the transaction after I reported it and tried saying it was the other card. They then sent another card. I filled out disputed paperwork and they denied it saying it was a online purchase to a XXXX. I don't know anything about it. I told them I lost the card, reported it, canceled it, and they allowed the transaction after it was canceled. I was so furious. I told them to close the account. They did and still is accruing fees and reporting to the bureaus knocking my score down tremendously by XXXX plus points.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 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: Mortgage

I was on a Shellpoint Mortgage XXXX XXXX which began in XXXX and ended in XXXX for 1 year. 
I was offered this by the lender, and this is a XXXX XXXX loan with federal Covid protection. This is regarding my mortgage forbearance Deferral request what was put in wrong by one of the agents who put it in as curtailment of income, and not Covid related. This should have not impacted my credit. Instead, my credit score has dropped from XXXX to XXXX. When I spoke to the agents during the process, I was told this is the only thing available and I was on the correct process which was wrong.

I am simply requesting my credit show how it should from a Covid situation, not a curtailment of 
income. I will continue to make all of my payments from this point forward, which is what I have always done other than the Covid situation. 
With my credit dropping over 200 points, It will stop me from doing my business and servicing my loans and could force me to lose my business.

I am still waiting for any response after multiple calls and emails. It has been 3 weeks.
Product: Credit card or prepaid card

Hi Sir, I have made a transaction on XXXX website for a pair of shoes on XX/XX/21 worth {$50.00}. 
Later on I found out that there two transactions were posted to my account. Here I disputed one of the transaction with my bank, and got the credit. 

On investing further I realized that XXXX has created two orders of the same shoes with order Id XXXX and XXXX. 
So I decided to return one pair. 

On XX/XX/21 the dispute went against me by the bank and bank charged me again {$50.00}. 
On contacting XXXX I learned that they had posted my refund but it was rejected my the bank. I again contacted the bank and their representative suggested me to request XXXX to post the refund again. In a live session XXXX posted and shared proof that bank is rejecting refund. 
I shared same with my bank. They raised a new dispute since there was problem at bank side and gave me the credit again. 

Now yesterday XX/XX/21 I again saw similar charges back on my card. I am attaching the proof I have and few conversations with the bank,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request the removal of several hard inquiries from my credit report that I do not recognize or authorize. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. Given that these inquiries were neither approved nor consented to by me, I am disputing their legitimacy and requesting immediate action for removal. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Basis for Removal Request : According to the FCRA, only authorized and accurate information should be reported on an individual 's credit report. Under FCRA XXXX ( a ) ( XXXX ), a consumer reporting agency may only furnish a consumer report if it has a permissible purpose, which includes instances where the consumer has authorized the inquiry or initiated a transaction. In this case, I have neither authorized these inquiries nor initiated any transactions with the entities listed above. 

Additionally, FCRA XXXX ( a ) ( XXXX ) entitles me to know the purpose and parties involved in any credit-related transactions or inquiries. Since I did not consent to these inquiries, they violate my rights under this statute. Case law, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), establishes that credit reporting agencies are responsible for maintaining the accuracy of consumer reports and must take prompt action to investigate and correct inaccuracies once notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$14000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX Experian Report. 



Subject : Urgent Notice for Immediate Removal of Inaccurate and Unverifiable Accounts Dear Credit Agencies, This letter serves as an urgent notice regarding your failure to properly investigate and dispute the accounts on my credit report. These items are inaccurate, unverifiable, and the result of identity theft. The continued reporting of false information not only violates my consumer rights but also invades my privacy with damaging and false data. 

Under FCRA XXXX ( b ) and FCRA XXXX ( a ) ( XXXX ) ( A ), you are required to ensure the maximum accuracy of reported information and thoroughly investigate disputes. Additionally, FCRA XXXX ( a ) ( XXXX ) mandates providing verifiable documentation to justify the reporting of any accounts. 

Case Law References : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX XXXX ) Creditors and bureaus must remove unverifiable items. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Reiterates the requirement for accurate and verified credit reporting. 
XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Prohibits re-reporting unverifiable accounts without notice. 
This matter can not wait XXXX or XXXX days for resolution. I demand the immediate deletion of the following accounts within XXXX ( XXXX ) days : Potentially Negative XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$700.00} Status Collection account. {$700.00} past due as of XX/XX/XXXX. 
- Unverifiable and identity theft. Breached XXXX XXXX XXXX - Unverifiable and identity theft. Breached XXXX Date opened XX/XX/XXXX XXXX {$330.00} XXXX XXXX account. {$330.00} Failure to comply with this demand will result in formal complaints filed with the CFPB and FTC and potential legal action for damages caused by these inaccuracies. 

Thank you for your immediate attention to this urgent matter. 

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

1.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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

ALLY FINCL Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Joint Joint Joint Account Status : Derogatory Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXBalance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 72 72 72 High Credit : {$21000.00} {$21000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after Repossession Repossession ; redeemed Merchandise was taken back by credit grantor ; there may be a  balance due. 
Redeemed repossession Closed or paid account/zero balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence di a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX shared a false claim to XXXX XXXX, XXXX and Equifax Credit service companies that there was a late payment of {$790.00}, when in fact they XXXX, made a mistake in there portal resulting in {$1.00} being received 29 days after being due. There were no late fees added to my account. Theses credit services then violated the Fair credit reporting Act by reporting my credit information without my permission. I have not authorized them to collect, maintain, or report my credit information, and I requested they remove my credit from their database.
Product: Mortgage

I purchased my house in XX/XX/XXXX and did a major renovation and substantial improvements to my home. My loan value required to have PMI insurance. My plan was to increase the value of the home by doing a major renovation. I added {$50000.00} in renovations to my house. My first letter to Specialized Loan servicing was mailed out XXXX XXXX. I did not receive a response until XX/XX/XXXX rejecting my request based on the original loan value and appraisal done when I bought my house. Based on their XX/XX/XXXX letter, I do meet the requirement for requesting an appraisal. When I purchased this property, the plan was to remodel the property and have another appraisal done. Since all renovations have been completed, I feel the appraisal value has increased more than {$40000.00}. My XXXX sale agent, who sold the home, stopped by and stated the new value of the home increased approximately to {$370000.00}. The original appraisal value of my property, when the home was sold, was {$310000.00}. Since my PMI, at 80 % loan value, needs to be at {$34000.00}, the value of the home needs to increase approximately by {$28000.00}. Since Im confident the value will increase to the required amount, I requested an authorize in house appraisal BPO to be conducted. I signed their Authorization for Internal Valuation form and mailed it on XX/XX/XXXX. Since I did not here back from them, I called their office only to tell me they sent a letter out denying my RIGHT to have the PMI review. Not sure why they can deny this since I requested this and Im paying for the for the appraisal. They stated they sent me a letter in XXXX, which I never received. The SLS agent stated I could go on line and review the letter in my account. I asked to speak to his supervisor and the agent stated that I could not, and their supervisors dont handle this issue. I never heard of not being able to talk to someone regarding your loan issues. I think they are trying to drag this out as-long-as they can to continue to receive my PMI payment. I asked for the agent to also send me the letter out again and I today I have not seen the letter. I went into my account and could not find the letter denying my right to request an appraisal. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show inaccurate or unverified infromation on my credit report. Currently, there is an unverified or inaccurate public record listed to my transunion credit file. I have bee successful to have this inaccurate reporting deleted from XXXX and XXXX and was instructed by bureaus this information will be frowarded to Transunion to have deleted as well. As of yet this negative unverifiable account is still show listed in public records which is inaccuate. Please delete this account Chapter XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX. I have contacted court and was advised by written notice that no reporting of such is given to any credit bureau if there is such a file on record and no third party has any rigtht to post and inaccurate or information to my credit file without my consent. Please delete account.