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

I have written Equifa x SEVERAL times  asking them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX  Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount___ $ XXXX UNAUTHORIZED INQUIRIES DUE TO IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Product: Debt collection

I INDEED HAD RECEIVED TOO MANY PHONE CALLS FROM MIDLAND CREDIT MANAGEMENT, INC. AND EVEN OF DEBTS THAT I DO N'T EVEN HAVE. I ASKED FOR A REFUND AS I RECEIVED A LETTER ( CARD ) FROM THEM THOUGH In re Midland XXXX Claims Ad. and I answered to their refund card to request my refund and I never received it. I WANT MY REFUND!
Product: Mortgage

I called XXXX XXXX XXXX requesting for information a closing I had with her. There was information about my closing that was not disclosed. XXXX XXXX XXXX was very rude, disrespectful, and uncooperative. I informed XXXX XXXX XXXX that I would write a letter. I wrote XXXX letters and I also requested for XXXX XXXX XXXX to provide her Bond and insurance information which she refused. I wanted to make a complaint here before I pursue further actions to show that I have tried to reach out in several ways in many attempts to resolve this matter. XXXX XXXX XXXX who has sworn to serve the community and has failed to do so. XXXX XXXX XXXX has failed to provide information that she has a duty to provide to the public upon request.
Product: Credit reporting or other personal consumer reports

Equifax has verified inaccurate information about a XXXX XXXX XXXX account on my credit report without providing clear evidence or explanation on how it was verified. This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires credit bureaus to conduct a reasonable investigation and verify the accuracy of disputed information.

15 U.S.C. 1681e ( b ) : Prohibits reporting inaccurate or unverifiable information.

Despite multiple disputes, Equifax has repeatedly confirmed the accuracy of this account without obtaining or providing sufficient documentation from XXXX XXXX XXXX or explaining the verification process. This failure to comply with FCRA obligations has negatively impacted my credit and financial standing. 

If Equifax can not demonstrate compliance by providing evidence or a detailed explanation of their verification process, I request that this account be immediately removed or corrected.
Product: Debt collection

Again, Portfolio Recovery HAS NOT submitted the data to the credit reporting agency as they stated. If so, then the data would have been removed immediately like it was described by the Credit reporting agency once they received it from the creditor. Like I previously stated, they said it would be removed. It is not. it's passed the 30 days they have not updated it as paid or attempted to remove the credit line. I will continue to open a CFPB dispute until this is resolved or they are in prison for making false statements. I want them to furnish the transaction ID provided by XXXX showing that they actually sent the data. There is a transaction ID for all data submitted to the credit reporting agencies. It is there specifically to provide a tracking number.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

i do n't know the actual dates of the reposition on my credit but im wanting to get that removed since ive never had a car of my own at the time it was established, i know that it was before i was XXXX and i found out about it after i tried to apply for a credit card, i got a letter saying i had a whole bunch of accounts and credit cards. my fathers stuff is on my account and i would want to get it removed since we have the same name and its effecting my credit.
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. 

Account name XXXX XXXX XXXX XXXX  has violated my rights Account name XXXX XXXX XXXX XXXX has violated my rights Account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name 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, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted an online dispute via Experian for collection agency XXXX XXXX XXXX XXXX. There were 3 duplicate XXXX XXXX XXXX collection accounts reporting on my credit report, 2 with positive information, 1 with negative information. I submitted receipts and information disputing the negative information. Somehow, the positive information was deleted, however the negative info is still active on my report. I contacted Experian explaining I did not submit a dispute regarding positive info ( why would I dispute positive info in good standing ), I'm disputing the negative information. The rep explained the company didn't respond therefore the positive information was deleted. In my opinion, they should have deleted the negative information as well. She submitted another dispute for the negative information. Coincidently they're claiming the company has now responded claiming the negative information is accurate. How did they not respond to the positive information, but somehow responding for the negative information? I feel I'm purposely targeted to have negative information reporting on my credit reporting. I don't understand why they delete the collection altogether for that account if they didn't respond to my initial dispute. Can someone please assist?
Product: Vehicle loan or lease

The vehicle was financed by Bridgecrest on XX/XX/XXXX from XXXX XXXX of XXXX XXXX for the amount of {$27000.00} to myself as owner and my spouse as co-owner. On XX/XX/XXXX the vehicle was refinanced by XXXX XXXX XXXX for the payoff amount of {$26000.00} to me as the sole owner plus DMV service fees for removing additional co-owner. On XX/XX/XXXX the account was confirmed as paid in full ( Amount of payoff is undisclosed due to non-receival of transaction history ). Upon payoff of the loan the title was not released to XXXX, the DMV or me. First contact to Bridgecrest was made by XXXX. They were told by Bridgecrest, I owed more fees on the vehicle, and they couldn't release the title until I paid those fees. Then they wouldn't release any more info to them. Second contact was made by me on XX/XX/XXXX, I asked what were the fees that were owed? No fees were owed, and I would receive the lien release by mail in 7-10 business days. Third contact to Bridgecrest was made by my spouse on XX/XX/XXXX, and she was told there was an error with the title. In addition to that she was given a window for receipt of the title anywhere from 7 days to 2-3 weeks. 

In the contract it states when the contract is satisfied the title will be mailed immediately. There were no further fees due on the vehicle when the contract was satisfied on XX/XX/XXXX. The only fees I can believe they were referring to be the vehicle registration fees that were not due until XX/XX/XXXX. Those fees were not overdue in XXXX and were paid in XXXX before they became overdue. Upon paying those fees is when I found out that I can not obtain a operators permit until the DMV receives the lien title release from Bridgecrest. 

By not releasing the title, Bridgecrest is prevent me from legally driving my vehicle. As stated above I've taken many steps to resolve this matter and I'm consistently getting no results. They have been paid as per the contract I entered with them and they have not lived up to the terms of it. I'm reduced to paying for rental vehicle in order to get to and from work and make my payments for a vehicle ( because of their actions ) I can not legally drive.
Product: Credit reporting or other personal consumer reports

PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVING YOU WRITTEN AND UNWRITTEN VERBAL AND NON-VERBAL PER 15 USC 6802. 
ACCORDING TO THE PRIVACY ACT OF 1974 PLEASE REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE ALL CHARGE OFFS- CHARGE OFF IS A CERTIFICATE OF INDEBTNESS AND IS CONSIDERED INCOME WHICH MEANS IT MUST BE REMOVED. 
PLEASE REMOVE PROMTIONAL INQUIRIES- I DID NOT CONSENT TO THESE INQUIRIES. 
THE LAW STATES THAT ITS ILLEGAL TO REPORT TRANSACTION HISTORY FOR CREDIT CARDS. PLEASE UPDATE AS PAID AS AGREED.
Product: Credit card or prepaid card

In XX/XX/2019 I paid off my Capital One card and was not planning on using the card ever again because of the high interest rate. The card was lost or stolen and charges in the amount totaling up to {$690.00} were charged. I have contacted Capital One multiple times and reported my card as being stolen and fraudulent charges were made. Capital One stated the card had been blocked and that I would not be responsible for the charges. Since XX/XX/XXXX I have had multiple addresses post on my credit reports that I've never lived at by Capital One. I still reside where I did when I applied for the card. I've disputed with the credit bureaus the information was incorrect with No resolve to my issues. I would like the {$690.00} in fraudulent charges removed and my credit reports updated as well as a payment that Capital One posted late in XX/XX/2019. Since then my account has been closed and I was told the information would update by Capital One but it never has and they stated it had updated my balance to show a {$0.00} balance and the negative payment was removed, but this is not true.
Product: Credit card

They don't mail the bill XX/XX/year> to my home address and they sent the bill by email but it go to junk box my email. That why I don't get the bill until I got the bill on XX/XX/year> after that I know the problem late bill, I called them to explain the situation for the late bill, but they rejected for my claim the late bill. Then I had to paid the bill {$110.00} & the late fee {$41.00} + XXXX {$3.00}.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I deposited {$2000.00} into my Kraken account. The funds were successfully credited to my account. However, when I attempted to purchase a cryptocurrency, I encountered a " Transaction Error. '' I contacted Kraken Support immediately and followed all the instructions provided, including steps shared via email and other communication channels. Despite completing everything as requested, my account was deactivated, and I have been unable to access my funds or make any transactions since then.

The last communication I received from Kraken was on XX/XX/scrub>XXXX XXXX XXXX but no resolution was provided. It has now been 12 days, and my account remains deactivated. This has severely impacted my ability to manage my investments, including realizing significant profits I made on an XXXX XXXX ( over 100 % gain ). 

My portfolio value is currently {$7000.00}, and I am unable to access or utilize these funds due to the deactivation of my account. I believe this situation is unjust and unfair, and I am seeking assistance to have my account reactivated immediately so I can resume trading and manage my investments effectively.
Product: Checking or savings account

Someone has stolen my card and is using it to steal my identity and deposit checks
Product: Checking or savings account

On XX/XX/2020 fraudulent activity, withdraws were made through both my fianc and my bank accounts By Cash App./Square Inc.
Product: Debt collection

I contacted A-1 Collection Agency, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX on XX/XX/2020. They Did not send me a letter within five days of collectors initial communication including the amount of the debt, name of the creditor, and notice of my right to dispute the debt within 30 days. The collection agency sent me the following payment plan information and not any other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this credit reporting agency and collection agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Collection agency and credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit XXXX If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.
Product: Credit reporting or other personal consumer reports

I am XXXXXX/XX/XXXX ( DOB : XX/XX/XXXX ), and I am writing to report an issue with Experian and Transunion. For the past 8 months, my credit report has not been updated. After contacting Experian and Transunion to inquire about this, I was informed that there are two Social Security numbers linked to my file. This situation has caused concern, as I have not received updates to my credit report during this period.

I would appreciate it if you could investigate and resolve the issue, ensuring that my credit report is updated correctly and that the mistake with the Social Security numbers is addressed.
Product: Debt collection

As of today XX/XX/scrub>XXXX XXXX XXXX I herby declare i am unaware of this debt. According to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I did not have an opportunity. I did not recieve any letter or notification from this company within the 5 days of this account being opened. I did not have an opportunity to address the alleged debt prior to this company billing me for it and placing the account along with its experiences on my credit report. If in fact you believe you gave me proper notification, which would give you legal right to assume the debt belongs to me due to unresponsiveness, please send me the ORIGINAL DOCUMENT containing the CERTIFIED RECIPT WITH THE DATE, MY NAME AND SIGNATURE PROVING I RECIEVED IT AND WAS MADE AWARE WITHIN THE PROPER TIME FRAME. ALSO, according to 15 U.S. Code 1681b ( a ) ( 2 ) for Permissible purposes of consumer reports A consumer reporting agency may only furnish my information to a third party or affiliate company unless it is for a court case or In accordance with the written instructions of the consumer to whom it relates. Please also furnish the ORIGINAL DOCUMENT OF WRITTEN INSTRUCTIONS THAT I GAVE YOUR COMPANY PERMISSION to report this ALLEGED DEBT to a third party without my consent and other affiliates with whom i have no business. THIS LETTER SHOULD ALSO HAVE MY SIGNATURE PROVING IT WAS ME AND I GAVE WRITTEN INSTRUCTION AND AUTHORIZATION TO DO SO. You have 30 days from the date of this notice and complaint through the CFPB to furnish the document of me giving your company written consent/instructions to furnish my information to others without my consent and to provide proof via green certified mail receipt, containing my signature, proving that i was made aware of this alleged debt within the 5 days of its inception. Also please provide the Original Promissory note proving i owe this alleged debt and provide the original instrument of indebtness.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Incorrect Name - XXXX, XXXX, XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX