23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account NumberXXXX Credit Bureau : EQUIFAX Account Type XXXX Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus XXXX, XXXX, and Equifax : XXXX : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}.

Reason for closure : " Credit line closed at consumer request. '' Equifax : Highest reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}. 
Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. XXXX and XXXX report a credit limit of {$250.00}, while Equifax reports no credit limit at all. Additionally, the reasons for closing the account vary : XXXX and XXXX indicate that the account was closed at the consumer 's request, while Equifax reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation.

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports showing the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Debt collection

I recently reviewed a copy of my credit report and I realize that I am this company ( Rec MGM Sys ) is violating my rights according to the 15 USC 1692 a.b.c.d. I am tired of being harass about this account. Which is a violation because it is defaming my character. I have attached a copy of my ID.
Product: Vehicle loan or lease

In XX/XX/XXXX, there were allegations of fraudulently account activity regarding payments to the account. Exeter Finance refused to investigate all the payments applied to the account. Exeter Finance allegedly not applying interest paid on the account throughout the duration of the loan. This was brought to Exeter 's attention and they did nothing to investigate or correct the account payments. 

At this time, was notified that XX/XX/XXXX the car will be paid off in full. We had a discrepancy on the loan terms. I agreed to 5 years or 60 months. Exeter terms were 8 years or 84 months. I requested a copy of the signed contract on the date of the sale. Exeter never sent me a copy of a original bill sale with terms. 

During this time, I could not get a record of all payments and other transactions, So, I went through my records and came up the total payments as XX/XX/XXXX was approximately {$29000.00}. When the purchase total was approximately {$23000.00}. 

Another discrepancy, According to Exeter as of XX/XX/XXXX, total balance owed on the account was approximately {$23000.00}. After 4 yrs and 5 year terms, I still owe the purchase price of {$23000.00}. This did not make any sense to me. Exeter refused to send me a copy of a signed contract on the date of sale, which was XX/XX/XXXX. Exeter prohibited copies of all payments made to the account, and request for payments made at the time of repossession. They never sent the documents. In XX/XX/XXXX, I refuse to continue making payments to the account because of their accounting practices on how payments were posted. In XX/XX/XXXX, Exeter reported the vehicle as a repossession. After I sent them a copy of all the payments, fees, and other payments totally over {$29000.00}. Exeter never returned documents requested. It may word against Exeter.

Today, Exeter send a document saying I still owe them {$18000.00}. After 2 years of silence or contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transUnion show a public record on my credit profile. This public record seems to be a bankruptcy. The item is not mine and yet the verification comes back stating it is. They offer no true verification for me to prove its not mine. I called the courts that this seems to be filed with however they say they do not verify records and or identify who in fact the record belongs to. Because of this it is clear to say its somebody with a similar name and so the two bureaus keep it on my file. I need immediate relief and this to be removed as its not mine and dont belong to me
Product: Credit reporting or other personal consumer reports

My information was Breached XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$520.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$660.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$750.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$770.00} I C SYSTEM Opened XX/XX/XXXX {$770.00} XXXX XXXX XXXX Opened XX/XX/XXXX 2023
Product: Mortgage

We mortgaged the house in XXXX with XXXX XXXX XXXX XXXX. They sold our mortgage to Midland Mortgage Compnay same year. The issue is : When we bought the house in XXXX the initial loan amount was {$190000.00}. We have been paying for the house since XX/XX/XXXX. As of to date the balance that is indicated in the account is {$180000.00}. 
We did have two ( 2 ) modifications, the years are as follows : XXXX due to devorce, and XXXX due to loss of contract for the business. The amount that I was owing at this time of this modification was {$3000.00}. Since XXXX up to XXXX the mortgage amount {$1300.00} to XXXX was paid. Amount varies depends on the change brought by escrows, hence I mentioned {$1300.00} to {$1200.00}. Between XXXX and XXXX I was paying about plus or minus {$350.00} towards the loan principal. That is eight years ( 8 ). If I have to calculate {$350.00} XXXX XXXX a year, for eight years I would have paid {$33000.00} towards the principal. 

I questioned Midland mortgage about the high balance when I have been paying for 15 years. They told me that every time the loan was modify they add 10 years on the loan. Also, there are fees that are not justifiable. 

I also applied for modification during pandemic. I was told that the modification has been granted by they are waiting for deed confirmation to date. 

Also, they sent somebody to change the lockers at the house while I was gone overseas due to death in the family. The person they sent stole yard equipment that was stored in the shed. I notified Midland about the incident and I sent police report and the value. Names of the stolen items were attached to the police report.They told me they are investigating the situation. Since then I have never heard any thing from them. I have been calling them so may times about the issue, but I always get an answering machine and no one is returning my calls. 

In XXXX of XXXX, I sent a letter to Midland addressing my frustrations. They denied any wrong doing. They believe the loan balance and fees are correct. Also, they mentioned that in regards to personal property they do not have evidence to substantiate the allegations.
Product: Debt collection

I REACHED OUT TO THE COMPANY AND THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THE BALANCES DO MNOT MATCH THE DATES DO NOT MATCH THE AMOUNT DUE IS INCORRECT AND THIS IS HARMING MY CREDIT SCORE TREMNDOUSLY I HAVE BEEN GOING BACK AND FORTH WITH THE COMPANY AND NO RESPONSE FOR OVER 7 MONTHS
Product: Debt collection

Hello, I am XXXX XXXX and I entered a credit transaction with Westlake Financial. I have been violated from WESTLAKE FINANCIAL on so many accords within the Truth in Lending Act. First I extended my credit to this company in 2018. I was never told that I had 3 days to rescind according to 15 U.S.Code 1635. My insurance was not included in my finance charge. I had to pay that separately I didn't even get the option to have that which is a violation of 12 CFR 1026.4b7. Also, I put a down payment down on the car which is illegal according to 15 USC 1605. My car was stolen by the CoSigner on the paper that I received from WESTLAKE FINANCIAL it states that the only responsibility of the CoSigner is the payments. That is a break in this companies paper. I continuously called this company and had a police report to show that my car was stolen. They also violated my rights as a consumer under Federal Dept Practice Act. They continuously used profound and obscene language about threatening to repose my car which is a violation of a 15 U.S. Code 1692d.2. They also are in violation of 15 USC 1692c.b. I have several emails from them stating they are " attempting collect a debt from me ''. Within this same act I was violated also under 15 USC 1692b.5 where each communication received from them states their direct logo and that they are a debt collector. 
I have reached out to WESTLAKE FINANCIAL to validate this alleged debt but I have not heard from them yet. I sent over a cease and desist and received another email from the company asking about this alleged debt right after they received it. As I sent the documents certified mail so I have the green receipt of when they received it. I have stressed and stressed lost my job due to this credit transaction and I am still carless at the moment. I have begged this company to please return my vehicle and stop threatening me to repose the car they even asked me would I like the car to be returned I told them yes and I literally did not hear from them again until they started sending me collection emails and a 1099c form. I also asked this company to stop reporting on my credit report an alleged debt that is already paid for through the finance charge, and to stop contacting me. They have not done any of these things. I am just tired and stressed as a consumer at this point. While me and my kids struggle to get around someone is out there driving around in our vehicle that belongs to US and I am the one getting collection threats everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXXXXXX BANK 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 I am writing this COMPLAINT on the following accounts : XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an Unauthorized Inquiry that is currently being reported on my consumer credit profile that has been furnished without my consent, authorization, or permissible purpose. This inquiry has not resulted from any authorized consumer credit transaction, and therefore this use of my personal identifying information constitutes " Identity Theft '' pursuant to 12 CFR 1022.3 ( h ). Exercising my right as a consumer I have now identified and given notice of the unauthorized inquiry. EXPERIAN, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized inquiry no later than 4 business days after receipt and delivery of the notice. It is hereby required by Federal Law that EXPERIAN immediately remove or block from reporting the following unauthorized inquiry : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Portfolio Recovery and I made arrangements to pay off this account and they would delete it from my credit. I have a letter they sent me. On XXXX XXXX XXXX XXXX sent a check to Portfolio Recovery was sent the full amount I negotiated with them. Although the check was mailed, they argued they had not received the check. I confirmed with the title company, and they confirmed the address they used for mailing the check was correct. Portfolio Recovery confirmed with the title company that they had received the check, but they were telling me they hadn't received it. The title company had to place a stop payment on it, and overnight them a new check on XXXX. Portfolio Recovery then sent a letter dated XXXX that my payment had been received and that the account would be deleted from my credit report within 30 days. The account was deleted from XXXX  and XXXX  but not from XXXX  because Portfolio Recovery refused to confirm that the check issued by the title company had cleared. My credit report dated XX/XX/XXXX still shows this account. Portfolio Recovery refused to uphold their end of the agreement, and due to that, I can not buy a home at this time. My lender can not qualify me with this collection on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. This is NOT a request for verificationor VALIDATION or proof of my mailing address, but a request for Identity Theft made pursuant to the above-named Title and Section. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Date opened : XX/XX/2015 {$69000.00} Account : XXXX BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX Date opened : XX/XX/2015 {$38000.00} Account:XXXX I XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX : This account was disputed on XX/XX/23 and XX/XX/23. They have not investigated. Date opened is wrong. High balance is wrong. Account rating is wrong. Payment status is wrong. Date of last activity is wrong. Past due 30 days and 60 days is wrong. Date of last payment is wrong. They have no entered a notice of dispute. This account needs to be dealeted immediately. 

US DEPT ED - XXXX : This account was disputed on XX/XX/23 and XX/XX/23. Account type is wrong. Open date is wrong. There is no notice of dispute entered. Date of last activity is wrong. XXXX reports 40 90 day late payments. The other XXXX bureaus report no late payments. Date of last payment is wrong. Updat account to NEVER late pays as Agreed. 

US DEPT ED - XXXX : This account was disputed on XX/XX/23 and XX/XX/23. Open date is wrong. Terms are wrong. There is no dispute notice entered. Date of last activity is wrong. XXXX reports 40 90 day late payments. The other XXXX bureaus report no late payments. Date of last payment is wrong. Update account to NEVER late.
Product: Prepaid card

I have a XXXX giftcard given to me with {$500.00} original sum. The card is active until XX/XX/year> and I believe I still have {$500.00} remaining but I have been unable to verify the balance using prepaidgiftbalance.com and the phone number on the back of the card XXXX. I have tried entering the card details multiple times on the website and through phone number with help of a live representative. A customer service representative suggested I provide a copy of the giftcard front and back as well as my government issued ID and mail or fax this information to them then call back XXXX weeks later. I dont feel comforable sending this information in this manner and have very little confidence in this resolution. 
The barcode suggests it may be a XXXX XXXX  gift card but when I called XXXX customer service, they also did not recognize the gift card number nor the barcode number on the back of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data.My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.