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

I am writing to formally request the deletion of all information from my credit report following the recent data breach that has affected my personal information. As you are aware, the security of my personal data is paramount, and I believe that the information now included in my credit report may have been compromised as a result of the breach. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the deletion of any and all negative or erroneous information resulting from the data breach from my credit report. This includes any accounts, inquiries, or other data that were impacted by the breach and are inaccurate or improperly reported. 

Additionally, in light of the breach, I respectfully request that you conduct a thorough investigation into my credit file to ensure that no fraudulent or incorrect data remains of my credit history. 

Please confirm the deletion of the impacted information from my credit report within the required 7-day period, and provide me with a written confirmation that the necessary actions have been taken. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint about inaccurate credit report on my Experian report. The account should show included in bankruptcy and balance should be XXXX. Thats not how its reported on report. XXXX XXXX and XXXX has it correct. Please fix or I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, and invalidated and you responded by stating you were able to verify or validate. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made have failed to provide proof of how those inaccuracies information were verify, what method was used and who verified it? 
you failed to comply and provide those information by law to remove it from my credit file. I urge you to remove this LATE PAYEMENT on my account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once XXXX XXXX ID # XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit reports and noticed a mysterious collection account from XXXX XXXX that has never been verified or validated. I complained about this reporting once before that I have never received any notice at all which would have allowed me to dispute this debt I allegedly owe. Experian and XXXX claims this debt was investigated and accurately verified but both failed to present to me or forward to me the proper procedure that was used to verify this account as accurate. As I write this, I still have not received anything pertaining to this debt they claim I owe which is in violation of FDCPA Section 807 ( 11 ) & Section 809 ( a ) ( 1-5 ) for failing to have any initial contact with me ( written or verbal ) before reporting this erroneous information on my credit report. With this negative reporting on my credit profile, it is really hindering me and my family from progressing.
Product: Checking or savings account

I called today XX/XX/XXXX Citizen Bank to ask about a hold I had when I tried to transfer money from this Savings account I have with them One Deposit Savings and they had mentioned that this is due the account is dormant, and thats why I have been getting Dormant Account Fee for {$5.00} every month since XX/XX/XXXX. 

The original story is that I used to have a savings account with XXXX that I opened in XXXX and in XXXX XXXX was acquired by Citizens, so they transferred my money to a new savings account with Citizens Bank. According to the guidelines from Citizens Bank website, account is considered dormant if theres hasnt been any activity for 2 years. But when I asked the representative and her manager about why my account is dormant, since according to the guidelines, my account is opened in XX/XX/XXXX and it hasnt been 2 years yet to be considered dormant, they voiced that the account open date is XXXX ( my XXXX account open date ). I asked them how it is possible to consider my XXXX account open date as my Citizens account open date, and that I shouldnt be charged for all these months since XX/XX/XXXX till this day because I havent been with the bank for 2 years. 

Manager only offered me a refund of 6 months ( {$30.00} ) out of the total amount ( {$90.00} ) and refused to do any further escalations when I asked him to.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a derogatory mark on my credit report related to an overpayment on my XXXX XXXX loan ( VIN : XXXX ) with Chase Bank. 
On XX/XX/year>, my Chase Bank statement reflected a principal balance of {$22000.00} for the loan. On XX/XX/year>, XXXX of XXXX XXXX paid off this loan in full, remitting {$22000.00}, as confirmed by the attached XXXX sale contract. Therefore, my loan was fully settled, and no further balance is owed to Chase Bank. 
However, due to an oversight, I did not cancel my autopay, resulting in an additional payment being debited from my account after the loan had already been paid off. Despite multiple attempts to resolve this directly with Chase, the extra payment was not refunded. This led me to initiate a dispute with XXXX  XXXX XXXX to recover the funds. 
I respectfully request that the Consumer Financial Protection Bureau review the attached documentation, which clearly demonstrates that the loan was fully paid off by XXXXXXXX XXXX XXXXXXXX XXXX. Alternatively, its possible that XXXXXXXX XXXX XXXXXXXX XXXX did not pay off the full amount, which would constitute a breach of our contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent off MULTIPLE letters to Equifax about my personal information being incorrect specifically my date of birth and provided them with two forms of ID so they could correct this issue. The first letter I sent off was on XX/XX/2021 and there was never an acknowledgment of receipt or any changes made when I pulled my report. I sent ANOTHER letter on XX/XX/2021 asking them to update my personal information to reflect the most accurate data and there was still no response. I sent off one last letter on XX/XX/2021. It is against the FCRA for them to willfully report inaccurate information on my behalf. The fact that this agency has neglected to demonstrate best practices when it comes to my information, it has caused me to lose faith in this system which is the very reason why the FCRA was created in the first place. I have been denied constantly for credit due to this information listed on my consumer report being inaccurate. I am seeking monetary relief in the amount of { {$4000.00} } for the negligence of this company. Not only have they neglected to update my consumer report, I am a single mother with XXXX XXXX  constantly being denied because there are inaccuracies listed on my consumer report withholding me from being able to properly care for my children and our financial obligations.
Product: Credit reporting or other personal consumer reports

Cease and Desist Demand & Immediate Removal of Incorrect Debt from My Credit Report This letter serves as a formal demand that you immediately cease and desist all communication with me regarding an inaccurate and disputed debt that you have wrongfully attempted to collect. Additionally, you must immediately remove any false or incorrect debt listings from my credit report and cease any further reporting of such erroneous information to credit bureaus. 

Dispute of Debt & Failure to Verify Per Legal Requirements Upon reviewing my credit report, I have found that you have falsely reported a debt that is either : Incorrect, outdated, or fraudulent Not legally enforceable Misattributed to me Furthermore, you have failed to verify this debt in accordance with federal and Florida consumer protection laws. As per the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, upon my initial dispute, you were required to provide proper validation of this debt, yet you failed to do so. Without proper verification, you do not have the legal right to continue collection efforts or report the debt to credit bureaus. 

Violations of Florida & Federal Laws 1. Failure to Verify the Debt FDCPA 15 U.S.C. 1692g Under this law, you were required to provide me with written validation of the alleged debt, including details on its origin and legitimacy. Your failure to do so means you are violating federal consumer protection laws by continuing to collect or report this debt. 
2. Florida Consumer Collection Practices Act ( FCCPA ) Florida Statutes 559.72 ( 9 ) It is illegal for a creditor to attempt to collect a debt or report a debt to a credit bureau that is not properly verified, false, or otherwise disputed. 
3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 As a furnisher of credit information, you are legally required to ensure the accuracy of any debt you report to credit bureaus. Failure to verify this debt and continuing to report incorrect information violates my consumer rights and subjects you to legal consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

Aldous & Associates has been included in a bankruptcy. The case number is XXXX they have been notified as they were included in the bankruptcy in XXXX of XXXX. This collection firm is still attempting to collect a debt citing that this can affect my credit report. Once a debt is included in a bankruptcy and have been notified of such, they are not allowed to continue to contact the party to try to collect on the debt. I have notified my attorney as well as filed this complaint. I want the collection efforts to cease.
Product: Mortgage

I recently XXXX XXXXXXXX and applied for relief from the XXXX  relief program offered by FHA. Then I asked for the XXXX stand alone resolution. I was on XXXX forbearance for 90 days. After my request for the stand alone program, US BANK without informing me or asking my permission, removed me from forbearance, sent me a repayment plan which I rejected in favor of the stand alone program, and falsely reported me delinquent destroying my credit rating from over XXXX to XXXX. The removal of my forbearance occurred roughly 30 days into my 90 day allowed forbearance. Had the forbearance remained intact there would be no reason to declare me delinquent. Following this process would mean everyone who applied for FHA XXXX relief would have their credit damaged for simply applying for aid. Obviously this wasn't the intention of the program or should be the result. This could easily be resolved by simply removing derogatory statements from my credit report that are obviously their fault, but they refuse.
Product: Debt collection

I SENT A CERTIFIED LETTER TO IMC CREDIT SERVICE AT XXXX XXXX XXXX   XXXX IN XXXX ON XX/XX/2019 AND I JUST RECEIVE A TIME EXP RTN TO SENDER ON XX/XX/2019 ( 1 MONTH LATER ) WITH THE ADDRESS XXXX XXXX XXXX XXXX, IN XXXX, USPS SIGNATURE TRACKING NUMBER XXXX THIS WAS DONE ON PURPOSE FROM IMC CREDIT SERVICE. IN DISPUTE TO A MEDICAL BILL THEY SAY I OWE THEM, I SPENT MONEY ON SENDING CERTIFIED MAIL TO THIS COMPANY AND YET THEY ARE STILL IGNORING ME, THEY KNOW THEY ARE IN THE WRONG THESE COLLECTION COMPANIES AND THE CREDIT BUREAUS ARE BREAKING SO MANY FCRA LAWS AND NOTHING IS NEVER DONE TO THEM, BUT IF A CONSUMER BREAKS A LAW, THEY ARE SENT TO JAIL OR FINED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt on my credit file I do not owe. I have never received any phone calls or anything in the mail regarding this debt. I can not verify this debt, and I am not sure why this debt has been added to my credit file. This is in clear VIOLATION of my 30 days right to dispute.
Product: Credit reporting or other personal consumer reports

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/2019 it came to my attention that my personal information was leaked in the XXXX, XXXX XXXX Breaches. I am a victim of identity theft. This message is in regards to the damage of my credit and several certified letters that was sent over to XXXX, XXXX XXXX TransUnion. I have notified FTC and filed a complaint upon your company. I am sending this final message to make you aware of my actions on my litigation process upon a response with 3 business days of receiving this message and after my internal dispute on the fraudulent accounts and inquiries listed below. I am seeking {$10000.00} in damage due to my personal information being leaked by your companies in compromise causing fraudulent actions on my credit which is causing me all of sorts of distress, problems, and everything negative you can think of. Debt must be ratified with an actual original signature instrument including a wet signature which these accounts are 1. Fraudulent 2. Erroneous 3. Violated several FCRAs in sections 609, 623, 611, 612, 614, 619, and also violated the FDCPA. 

TransUnion, Equifax, Experian Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX, Fraudulent Inquiries : Equifax XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

Pennymac is reporting XXXX days late on my credit report and I made a payment of XX/XX/XXXX of XXXX. It was an ACH payment confirmation number XXXX. I uploaded my bank documents reflecting a payment being made for XXXX as well as an additional payment. Pennymac agreed to Credit me the late fee and it would be mailed to me and someone would contact me about the additional payment. This is the 2nd time someone has stated someone would contact me regarding my payments. I never had any problems with Pennymac until now. This late payment is damaging to my credit score and my XXXX on time payment history.
Product: Debt collection

Back in XX/XX/2016 I filed bankruptcy due to Loss of employment. I included the debt of XXXX XXXX XXXX XXXX of XXXX and recently tried to apply for a checking account with XXXX XXXX XXXX XXXX and was Denied because this Bill Collector and XXXX which I also filed another complaint against decided they were above the bankruptcy law and decided to put a debt that was included on the bankruptcy filed back in XX/XX/2016 Case # XXXX. I received a letter of denial from XXXX XXXX XXXX XXXX   Today. Due to them retaliating against me filing for a bankruptcy this is causing me a hardship of not being able to open up a checking account. I will be filing a lawsuit against XXXX, XXXX XXXX XXXX XXXX , XXXX  and Chexsystems. If this does not get removed off of my Chexsystems  Report ASAP. Under violation of the bankruptcy code.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached I am writing on this letter myself please do not send me a in still asking for proof that you are speaking to the correct person. I am writing this letter and any attempt of writing another stall letter will be added to my potential complaint with my lawyer.
Product: Debt collection

The Wells Fargo Bank Visa credit card ending in XXXX since XX/XX/XXXX I have requested a new repayment plan. My previous Consumer Financial Consumer Protection case numbers are XXXX, XXXX I sent letter dated XX/XX/XXXX and XX/XX/XXXX. In the year of XX/XX/XXXX I submitted numerous complaints against Wells Fargo Bank regarding the delay in providing a new repayment plan. I can only afford to pay {$80.00} to {$100.00} per month. I received a letter from XXXX XXXX my case number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Back in XX/XX/XXXX, I purchased a central air through XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX, XXXX, MN XXXX. ( XXXX XXXX XXXX XXXX ). This company has different address. 
XXXX XXXX made me sign a loan document through XXXX XXXX to make the monthly payments. Shortly after I signed the documents to the bank, I received a notice from the bank stating I had to pay the amount of {$29.00} fee for the loan application. 
On XX/XX/XXXX, the bank sent me an invoice for the amount of more than {$6000.00} dollars claiming I had purchased two central air conditioners. I called and the bank staff member told me that XXXX XXXX sent a double invoice for the purchase of two central airs. The bank stated to blame XXXX XXXX. I explained to the bank I purchased only one because I had only one house. I requested the bank to send me documents that stated I signed two times the forms, but the bank refused to send me documents. 
Based on this, I learned that the bank was committed fraud against me by charging double payments for two central air conditioners. 
The bank refused to send me any documents to prove its claim. I spent money sending a letter to the bank by requesting to send me documents that proves I purchased two central airs. The bank never responded me. I am concern, the bank will force me to pay for two central air conditioners. 
I checked on line reviews on this bank and I learned that XXXX XXXX has been committed fraud against consumers. Please see their reviews on XXXX XXXX I hope that US government investigates in deep this bank for committing fraud against customers. I was one of the bank 's victim.
Product: Debt collection

This was an account with XXXX high speed internet.I ended the service because of poor service with there internet speed. I was told that I did n't owe any money to end this account by XXXX billing services.
Product: Credit reporting or other personal consumer reports

EQUIFAX data breach my consumer report and the information within has been compromised and shared by EQUIFAX claim number XXXX delete the following information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Bankruptcy case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit report has been compromised ... .15 usc 1681a p 15 usc 1681c 1 15 usc 1681c 2..