23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am contacting XXXX  XXXX XXXX in reference due to a balance owed from a overdraft checkings account. I am requesting for a typed document which stated the amounts owed and the also the account number associated with the overdraft amount. I am requesting for the account to be deleted from XXXX, The XXXX XXXX XXXX   and XXXX XXXX and any other reporting system. For an agreement or exchange to pay this balance on my reports from years ago. The derogatory information you have provided in reference to this account is visible on my consumer report/file with the agencys listed above. As this is damaging my chances with any future banking relationship with other banks. Please acknowledge this written statement and send a balance and payment option document to the address you have on file or that submitted with this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

the following unauthorized inquiry need to be removed : Made by : CREDCO Made on : XX/XX/2017 To my knowledge, I have not signed any documents authorizing this organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely,
Product: Money transfer, virtual currency, or money service

I reached out to my bank Marcus on XX/XX/XXXX asking if they would honor a savings rate of XXXX XXXX which I was being offered by a competitor. I was told they would not match rates which was not a problem. I let the representative know that I would be transferring my funds to try and get ahead of any issues. On XX/XX/XXXX I completed a transfer which was reversed by Marcus. When I reached out again to Marcus ( they do not make it simple to reach the department I need, requiring to get transferred and go through redundant verifications with multiple representatives ) I get told that they need to call the institution I am transferring my funds to ask them some questions, we call them and they ask a bunch of questions and all seems good to go. I confirm with the representative that I will be able to complete my transfer without any issues and she assures me. I ask if they need to initiate the transfer or if I should just initiate it online like before. I am advised to just initiate it online again which I do on XX/XX/XXXX and again my transfer gets reversed. I again call, go through their redundant verification with XXXX different representatives to finally be told I am unable to transfer my funds to my new institution because the account isnt a savings or a checking but a high yield cash account. After getting hung up on and having to call back in I get told that the reason isnt because of the type of account but because the account I was transferring into was only a few days old. Again, if I had authorized this and confirmed the account I dont understand why this was an issue. Regardless, I agreed for them to transfer the funds back into my original funding account. They processed my transfer on XX/XX/XXXX and again have reversed my transfer even though now the transfer is going to an account that I have had opened for years, is a checking account and has been linked to this account since inception. Marcus has made it impossible to move my funds and have wasted hours of my time in this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  loan and credit card ... .is not being reported as agreed and ontime I have had a balance increase and rendered extra payments to lower my balance. The account needs to reported monthtly and on time as agreed upon within the contract.
Product: Student loan

I thought I was on track with the " help '' of Navient to be in line for the PSLF and that is when I found out that my publicly backed student loans do not count as qualified payments. I needed to convernt my loans to direct loans. My loans were owned by the department of ed and serviced by navient, but that wasn't all that was needed for the PSLF. That seems to be what was best for navient. Also, I spent years struggling to repay and Navient kept pushing me into hardship forbearances instead of even telling me about the income based repayment plans. That would have saved me a lot of fees and interest over the years. 10 years out of school I have a student debt principal about what I borrowed. I would say the train of misinformation began after my XXXX XXXX  in XXXX with forbearances and fee city. In the early XX/XX/2010 's I got setup on IBR after reading about it online and struggling with the company to get me the paperwork. I was never explained about direct loans vs FFEL, which my school pushed me into the FFEL loan program as far as I can tell, no alternatives were explained. I was misled about the PSLF qualifications with my IBR based loans as qualifying even though they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cornerstone Credit Services has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both XXXX  and XXXX, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing me.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
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 : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : 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 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

Subject : Request for Investigation and Permanent Removal of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inclusion of a XXXX XXXX  account on my credit report, as I have never held such an account. According to the Fair Credit Reporting Act ( FCRA ), all information on a consumer 's credit report must be accurate, complete, and verifiable. However, the reporting of this account on my credit report is inaccurate for the following reasons : XXXX and XXXX XXXX XXXX : XXXX  XXXX account in question is listed as " charged off '' and " written off '' on my credit report. When a creditor charges off and writes off an account, they typically seek and obtain a tax deduction for the amount written off. According to the IRS, the creditor must issue a Form XXXX to the debtor, treating the written-off amount as income to the debtor for tax purposes. 
If XXXX has written off this debt, it indicates that they have claimed the corresponding tax benefit. It is therefore contradictory and inaccurate for XXXX to continue reporting that I owe them money. A creditor can not simultaneously claim a tax write-off for a debt and report the same debt as owed by the consumer. 

Violation of FCRA Standards : The continued reporting of this account in this manner renders my credit report inaccurate, in violation of my rights under the FCRA. Specifically : Section XXXX ( b ) of the FCRA mandates that consumer reporting agencies maintain maximum possible accuracy of the information in their records. 
Section XXXX ( a ) provides me the right to dispute inaccurate information and requires the credit bureau to conduct a reasonable investigation and correct or delete information found to be inaccurate or unverifiable. 
I have attached a copy of my credit report, highlighting the inaccuracies related to the XXXX account. Additionally, XXXX has failed to provide me with a Form XXXX, further evidencing the inconsistency and inaccuracy of their reporting. 

For these reasons, I respectfully request the following : XXXX an immediate investigation into this matter, as required under Section XXXX of the FCRA. 
Permanently remove and delete all references to the XXXX account from my credit report. 
Provide me with a written confirmation of the actions taken regarding this dispute. 
Please complete your investigation and provide a response
Product: Debt collection

A letter was sent to the company ( account XXXX XXXX ) and has been ignored for over 90 days. The information is harming my credit and displaying inaccurate information with validation.
Product: Credit reporting or other personal consumer reports

The following violations are happening after several requests have been made to correct the inaccurate information. These accounts are reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Please address the following : Who is the furnisher used to verify these accounts? Provide written consent giving permission to report these accounts. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts : XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} XXXX XX/XX/XXXX & XXXX {$XXXX} XXXX XXXXXXXX XXXX {$XXXX} XXXX XXXX {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I revoke written consent XXXX Any reporting of the following accounts is against my wishes, and I would like to receive {$XXXX} per violation. I would like to exercise my rights to OPT out at this time. Especially since I was not given that right prior to the first day of reporting. I have also attached statements from the data furnishers saying that they have not disclosed any information on my behalf.
Product: Credit reporting or other personal consumer reports

These credit agencies are recording fraudulent accounts on my consumer reports which is preventing me from opening up a Bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect personal information names XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Employments XXXX XXXX XXXX XXXX
Product: Debt collection

O. XX/XX/19, I submitted a complaint relative to TrueAccord, a debt collector, regarding attempts to collect a debt not owed. On XX/XX/19 TrueAccord provided a response wherein they requested I provide them with an FTC affidavit to provide to the creditor for an identity theft investigation. On XX/XX/19, I provided via email a copy of the requested document and asked for an update as to the status of the three accounts. On XX/XX/19 XXXX XXXX replied on behalf of TrueAccord and advised that they could not find my information in the systemdespite reporting three accounts opened in my name. On XX/XX/19, I against emailed XXXX requesting a response. On XX/XX/19 XXXX XXXX on behalf of TrueAccord responded via email advising they were reaching out to their client XXXX and would provide an update within 7-10 business days. As of this date, a response had not been received, the accounts remain in my name, and I am no longer receiving response from TrueAccord. If TrueAccord and their client can not provide validation to substantiate that the accounts were in fact opened and authorized by me then they must be closet and I am to be absolved of any further liability.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Accounts Due to Identity Theft ( 15 USC 1681c-2 ( a ) ) Dear Equifax Team , I am writing to formally demand for the immediate blocking and deletion of fraudulent and inaccurate accounts associated with my credit report, pursuant to 15 USC 1681c-2 ( a ), the Fair Credit Reporting Act ( FCRA ). I have been a victim of the Equifax data breach, and as a result, my personal information has been compromised and used fraudulently. 
The following accounts are not mine and were fraudulently opened : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. DIVERSIFIED ADJUSTMENT - XXXX Under the FCRA, I have the right to request that these accounts be blocked and removed from my credit file to prevent further harm and to ensure the accuracy of my credit report. I have enclosed the following documents to support my request : A copy of my government-issued photo ID ( e.g., drivers license or passport ). 
A copy of a utility bill or another document verifying my current address. 
A copy of the FTC Identity Theft Report documenting the fraudulent activity. 
Please process this request promptly, as mandated by federal law. I would appreciate written confirmation once the accounts have been blocked and deleted from my credit file. If you require any further information or documentation to complete this process, please do not hesitate to contact me at the phone number or email address listed above. 
Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency. 
2. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision. 
Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
This matter requires your immediate attention, and I thank you in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC Social Security Card Utility Bill
Product: Mortgage

When we purchased our home in XX/XX/2021 our 1st mortgage was sold to XXXX from XXXX. Essex then proceeded to misplace at least two of our following payments and then took ACH deductions from a checking account we did not authorize. ( Because of them that account is now closed because the account was continually overdrawn ). We sent our monthly mortgage payments in each month to the company who sent us the invoice. Essex did not keep track of where or who was receiving these payments. Essex reported us to the credit bureaus as no payment thus showing us as delinquent for a few months. Fortunately we had a paper trail to be able to prove to Essex we were not in the wrong. It took 11 months and the start of a refinance to get Essex to reverse the no payments and fix the reported errors with all three credit bureaus not just one credit bureau. Now were nearly three months into a refinance and we cant close because Essex hasnt paid our property taxes due back in XXXX of 2021. Essex has been including the property traxes in our monthly mortgage yet claimed they didnt know it was their responsibility to pay them when they gladly collected and put the money in an escrow account. They paid the property taxes due the second half of the year and then sent us a refund check which now they claim they need back but none of it balances out in escrow. In the mean time we can not close our loan because were considered delinquent with the county, our credit score has dropped over XXXX points due to Essex errors and daily penalty fees are accruing with the county until Essex chooses to see this as an urgent matter and take care of it. We as the customer have our hands tied and can do nothing further but listen to them give us the run around how its not possibly their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX {$13000.00} This account is being reported without accuracy and consistency. 

For example payment history for XX/XX/XXXX are consistent XX/XX/XXXX, XX/XX/XXXX, skips XX/XX/XXXX, reports for XX/XX/XXXX through XX/XX/XXXX. however then goes to a 30-120 days late for XX/XX/XXXX and XX/XX/XXXX. My calculations for XX/XX/XXXX until XX/XX/XXXX is only one month apart so how is that 90-120 days late?

Then report for XX/XX/XXXX but skips again XX/XX/XXXX - XX/XX/XXXX. Returns only a report for XX/XX/XXXX I have been in deferment since I graduated. I dont understand the inconsistency in this reporting system but it is causing issues on my credit and holding me back from buying my house. 

I have called and expressed to a rep that I graduated in XX/XX/XXXX however she advised me they didn't get the record updates until XX/XX/XXXX. 


XXXX/XXXX XXXX {$18000.00} This is a duplicate account with different amount number and reporting information please delete it from my file or send promissory note confirming is duplication of payments received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account I 'm requesting to be deleted from my credit file is from back in 2012 it was a timeshare loan the account was closed and reported that it was paid with a {$0.00} balance. Please delete!!!
Product: Credit card

A Capital One representative called me approximately 3 weeks ago in response to my complaint regarding their denial of a credit increase. The representative divulged there are two accounts on file for me, and that the first account closed in XXXX ( more than 11 years ago ). I asked why would the old account still be in my record and she didnt know. I also reminded her that companies are required to keep financial records for seven years, and that time has long passed. She said she would investigate. The company responded that the denial of my credit was based on dti ratio, which isnt true. After the decision Capital One now refers to itself as Capital One Silver ( prior to the complaint, it was simply capital one. This lets me know, that the former account was a huge factor in the decision to not increase my credit limit.