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

I am unable to receive a paper copy in the mail from the major 3 reporting agencies i.e. XXXX, XXXX XXXX and Experian. I submitted the Annual Credit Report request form and I received a written letter via USPS, indicating that they could not verify my Identity. In addition, I enclosed a copy of my 1. ) Michigan Drivers License, 2. ) SSI card, 3. ) Voters registration card, 4. ) Current Passport. Along with the denial letter highlighting the items that was requested. I also attached a copy of my online credit report from the agency itself, but the issue was that the report was out of date and I needed a new report. I also enclosed a copy of a credit denial letter. I submitted this request multiple times to no avail and the very last request went unanswered. This request of my credit report has become straining, thus I can not move forward in my attempt at restoring my credit and disputing Third Party debt  collectors. Please be advised that I have received my credit report via USPS in the past from all 3 Credit Bureaus. Please advise.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts made by your organization to immediately remove charge-off account from my credit report. I believe there has been a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. 

As a responsible consumer, I have been diligently addressing and resolving my financial obligations. In this regard, I have been closely monitoring my credit report to ensure accuracy and fair representation of my credit history. However, over the past few months, I have noticed several erroneous attempts by your organization to remove charge-off accounts from my credit report without my consent. 

I would like to emphasize that the charge-off account in question are accurate representations of past financial issues. While I understand the importance of credit repair and the need to rectify any inaccuracies on my credit report, these charge-off account is legitimate and should not be removed without proper evaluation. 

I kindly request the following actions to be taken : Cease all further attempts to remove the charge-off account from my credit report until this matter is resolved. 

Provide a detailed explanation of the reasons for these multiple removal attempts and any documentation supporting your claims. 

Review and assess the legitimacy of the charge-off account in question, ensuring that they are accurate and in compliance with all applicable laws and regulations. 

Immediately rectify any inaccuracies or errors related to my credit report. 

Provide written communication confirming the resolution of this matter and any actions taken to prevent such errors in the future. 

I believe in the importance of accurate credit reporting, and I am committed to maintaining a fair and honest credit history. However, I must insist that any changes made to my credit report should be based on accurate and verifiable information. I am asking for your immediate assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. 

At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. 

I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. 

I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. 

I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX  I thought I was doing the right thing by returning the car. 



I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. 

On XX/XX/2021 and XX/XX/2021 I sent letters to the credit bureau 's and creditor. 
The repossession was removed from TransUnion and XXXX but not from XXXX. 
The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.
Product: Debt collection

This notice of Conditional XXXX is being sent in a good faith effort to settle the matter at hand. I sent this notice to XXXX XXXX XXXX of XXXX via email and XXXX XXXX mail on XX/XX/XXXX which was delivered on XX/XX/XXXX. I have not received a response as of XX/XX/XXXX. All of my notices of dispute and identity theft have been ignored by both XXXX XXXX and XXXX until I filed my complaints through the CFPB. Your assumption that my notices of dispute were generated from the internet are false and constitute deceptive and misleading statements which is a violation of the FDCPA. Regardless of how you felt my disputes appeared to you it does not negate the fact that you are required to properly investigate my claim and cease all collection activity until the alleged debt is verified in accordance with the FDCPA and said validation is sent to me. Any collection attempts against me without validating the alleged debt constitutes as harassment, defamation of character, creating a false public record by use of mails and wire communications, with intent to to obstruct lawfully communicated information, and are subject to to liability for damages, as well as statutory damages, including any and all legal costs, or fees incurred for each violation. Additionally, you have violated the GLBA by sharing my nonpublic personal information with third parties without my consent which has caused me mental and emotional distress. By this notice, debt collector and/or alleged creditor XXXX XXXX and XXXX XXXX '' including its/their principals, agents, assignees, employees, shall comply with the provisions of the Privacy Act of 1974, as lawfully amended at [ 12 U.S.C. 3401 ], the Right to Financial Privacy Act of 1978, as lawfully amended at [ 5 U.S.C. 552a ], and the Third Party Summons Act special procedures [ 26 U.S.C. 7609 ], for assisting me in keeping inviolate certain constitutionally protected privacy rights and guarantees, and from preventing encroachment thereon. I have not received any notice of dismissal and/or withdrawal of the lawsuit you filed unlawfully as of XX/XX/XXXX. I am in receipt of your mutual stipulation of dismissal and in my continued good faith efforts to settle this matter amicably, I conditionally accept your offer for mutual dismissal, without accepting liability, however I require the following conditions to be accepted : Compensation in the amount of {$2500.00} USD. Confidential settlement agreement under Federal Rule of Evidence 408. I am requesting a prompt response otherwise I will have to petition the court for a continuance of the trial date for me to retain counsel. If my demands are not met I will escalate this matter to Federal Complaint, report your violations to the FTC, NJ Attorney General, the ABA, the BAR, the Department of Justice and file RICO charges.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report regarding the account listed below. This dispute is made under the Fair Credit Reporting Act ( FCRA ) and other applicable federal regulations. 

Account Information : Creditor 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 Disputed Issues : Charge-Off and 1099-C Reporting : Applicable Laws : 15 U.S.C. 1666b, 15 U.S.C. 1681i, 15 U.S.C. 1681s-2 The reported charge-off and associated 1099-C form appear inaccurate. If a debt is deemed canceled and reported via a 1099-C, it should no longer be reported as due. Please delete this charge-off entry and provide documentation of the cancellation or updated reporting. 

Late Payments : Applicable Laws : 15 U.S.C. 1666b, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i Late payments have been reported inaccurately or beyond the allowable time frame. Per FCRA and billing dispute resolution laws, I request the removal of all late payment entries related to this account. 

Collections Reporting : Applicable Laws : 12 C.F.R. 1006.34 ( c ), 12 C.F.R. 1006.6 ( c ), 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2 ( a ) The collection entry associated with this account is inaccurate and does not comply with required validation standards under FDCPA and FCRA. Please delete this collection entry and provide documentation confirming its accuracy. 

Supporting Documentation : A copy of my credit report highlighting the disputed items. 

[ Include any relevant supporting documents, such as payment records, correspondence with the creditor, or the 1099-C form. ] Requested Action : Remove all inaccurate or unverifiable entries related to charge-offs, late payments, and collections. 

Conduct a thorough investigation of these disputes and provide written confirmation of the actions taken within the time frames required by law. 

Update my credit report accordingly to reflect accurate and compliant reporting. 

Additional Details : The account has been reported as charged off with the following remarks : Charged off as bad debt ; Profit and loss write-off. I have identified discrepancies in the reporting timeline and the handling of this account. Additionally, I have paid off 24 % of this loan, and this should be accurately reflected in all reporting. 

If you require further information or documentation, please do not hesitate to contact me. I expect a response and resolution within the legally mandated timeframe. 

Thank you for your attention to this matter. 

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

Good morning/evening, On the following date of XX/XX/2018 XXXX XXXX   XXXX filed 2 separate hard inquiries on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed previously deleted accounts to be improperly re-inserted back on to my consumer report. 

On XX/XX/2019, I discovered XXXX XXXX Account Accounts both XXXX had been re-inserted into my credit file. You are required to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification. Please delete these items immediately.
Product: Debt collection

The collection company ic system has me on collection for the amount of {$110.00} this amount was settled for the amount of {$87.00} I believe, when I call att they say I do n't owe nothing, so I do n't understand why this still shows in my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act and XXXX  Account numbers XXXX, XXXX, XXXX and XXXX account number XXXX, has violated my rights. 

15 U.S.C.1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I reveived a CASHAP credit card in the mail I did not apply for. I called the company and they are working on closing it but did not give me any details on how somone opened it in the first place.
Product: Credit reporting or other personal consumer reports

I am writing to address a credit inquiry made by your organization on my credit report, which I did not authorize or give consent for. This inquiry was made on XX/XX/2021 and was in connection with my car purchase. 

I wish to clarify that I had a pre-approval from XXXX XXXX for financing the purchase of my vehicle, which was finalized on XX/XX/2021. The pre-approval from XXXX XXXX was a significant factor in my decision-making process when selecting a lender for my auto loan. I had no intention of applying for credit from any other financial institution. 

To my surprise, I received notification of a credit inquiry made by your company, which I did not initiate or provide consent for. This unauthorized credit inquiry has the potential to negatively impact my credit score, and I am concerned about its implications.
Product: Credit card

I got my card on the mail on XX/XX/year>, I called and activated, when I tried to access online, I have issues and my account got lock, I called the number and they didnt helped me instead they locked my account waiting for a verification process a call, text, or a letter but I havent received none, I called and try to make a payment they didnt allow me to make payments, by doing that they are hurting my credit, this is unfair they are violating my rights as a consumer and hurting my credit score by refusing to take my payments.
Product: Checking or savings account

Capital One is withholding paychecks from their customers due to a vendor having an outage. They are not disclosing the vendor and are providing no accurate timeline of when this will be fixed. They did not even make the communication to their members until Thursday evening when this has been a problem since the XXXX. This is a horrible company, and if I had not made my credit card payment on time I would be screwed for the next seven years, but theyre allowed to not pay me on time with no consequences. The last update was this would be corrected Friday morning, it is now Friday morning and no direct deposit or reason WHY we havent received it yet. And now I am locked out of my account for logging in too much to see if I was finally paid.
Product: Credit reporting or other personal consumer reports

There are two accounts that exist on my Equifax credit report that are in error. I have requested a correction to these accounts that both have had {$0.00} balances for more than two months. Over 2 months after I filed a request to correct the balances, Equifax has refused to make corrections to my credit report despite my sending current statements to them that show XXXX balances. One credit card account is with XXXX XXXX XXXX XXXX and the second account is with XXXX XXXX. Both of these credit cards have had {$0.00} balances for over two months and Equifax refuses to make corrections to my credit report which has had a negative impact on my credit score. I have spoken to representatives of both XXXX XXXX XXXXXXXX XXXX and XXXX XXXX and they both have informed me that Equifax was sent updated balance information months ago, but Equifax still refuses to make corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters to validate the reporting that I owe {$790.00} by XXXX  XXXX. All of Transunion 's disputes comes back verified without any proof of verification. I have requested them to provide me with the method of verification of the alleged debt and there response is Verified. This is unclear how they are verifying that I owe what XXXX XXXX is alleging I owe.
Product: Credit reporting or other personal consumer reports

XXXX begging you please remove this to the credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX XXXX and XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( XXXX  ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. Please block these unknown items from my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$340.00} ; US DEPT ED XXXX Balance Owed XXXX {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$430.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$280.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$1700.00} XXXX XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Fortiva sent me a letter about being denied for credit. I never applied with credit with company. I don't know how they got my information.
Product: Student loan

Same XXXX that happened two years ago. Please refer to my 2022 cases ( XXXX ; XXXX ; XXXX ; XXXX ; others ). It took an inordinate amount of time to discuss the issue with Nelnet to no avail that I am not going through that process again. I am going directly to filing a complaint. That's how it was fixed last time. 

Very simple, the issue is ( like 2 years ago ), that I get nonsense letters in the mail that I am close to {$2000.00} behind when I am actually paid ahead. Their own monthly statements show that ( except this last one ) ; my electronic files show I am paid ahead. 

In closing, I am paid ahead but these people can't get their s & ^ % together. It is the same thing as last time.
Product: Mortgage

In XX/XX/XXXX/XX/XX/XXXX I went into pre-foreclosure with Wells Fargo Home Mortgage. At that time the balance on my home was approximately {$140000.00}. I requested a loan modification from Wells Fargo which was approved however, they started the term over on my loan and the new balance was more than the original amount owed on my home. I had requested a breakdown of all fees associated with the modification and never received anything. I want this investigated because it seems that the modification was more in favor of the bank and Wells Fargo has been know to have some questionable practices. I am currently still in my home but owe more than it is worth at this point due to the modification.