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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.
Product: Checking or savings account

I've requested proof a check issued on or around XX/XX/XXXX from Capital One was received and cashed by myself, the amount of which is XXXX. To date, I've received information showing a XXXX XXXX intercepted check, forged my name, cashed check at a XXXX XXXX XXXX in her name. This information shows funds received by this other party, not myself. On the morning of XX/XX/XXXX, I left for vacation around XXXX XXXX, a XXXX XXXX picked me up and drove me to XXXX XXXX. The check, which is a replacement for a prior one which had a stop payment on it, was intercepted by a XXXX XXXX on the following day.. Capital One has information which appears entirely circumstantial, does not link me to receipt of funds. Further, they fail to provide a mailing address to send a notice of small claim suit. I understand they use a third party for such notices but failed to provide address which has been requested numerous times. They provide a website to visit, which is not the information requested, I believe they are withholding the information, knowing they do not have any direct proof I cashed check/received funds. The proof they provided shows again, a XXXX XXXX received and cashed check, deposited it to a XXXX XXXX XXXX while I was away. I left for XXXX XXXX on XX/XX/XXXX, was there until XXXX, did not receive check and or cash it. Capital One claims they do not have a signature card on file, as most banks require.. However, if they check signature on both checks, one issued on XX/XX/XXXX and second one on XX/XX/XXXX, they will see signatures are different from another. The check received on XX/XX/XXXX, was cashed by myself, deposited to my XXXX account. This check had a stop payment placed on it, funds not received. The second check in question, which was intercepted, has a forged signature on it ... I request copies of both checks for my own signature expert to view, I also request Capital One have their own expert review them.
Product: Vehicle loan or lease

As of XX/XX/XXXX I have paid off my vehicle loan to XXXX XXXX XXXX and they have acknowledged this is writing. However XXXX XXXX will not release an electronic hold on the title which they have in their system so that the Florida DMV can print out my car title for me. I have phoned them multiple times about this. 
On XX/XX/XXXX when I was at the XXXX, FL DMV I had a DMV employee to phone XXXX XXXX and the employee and I both requested that XXXX XXXX release the electronic hold so that my title can be printed out but XXXX XXXX would n't do it. A FL DMV employee told me that the DMV prints out XXXX car titles for owners everyday after XXXX XXXX releases the electronic hold on the title. XXXX XXXX knows exactly what to do to finish their job to allow the FL DMV to print out my title but they refuse to do it and only give excuses or delays. 
Also on XX/XX/XXXX I phoned XXXX customer service and talked with XXXX XXXX and stated the problem. She said that she would email someone and tell them to release the loan but the DMV employee and I had already tried to get that done to no avail. So this phone call to customer service was not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX XXXX which was tampered with by an unauthorized third party. Around the time that my account was used in a mannerism that I never authorized, I was the victim of a hate crime and assaulted. I was also under the supervision of the XXXX XXXX XXXX in XXXX, New York as a victim of Domestic XXXX where an Order of Protection was issued for my personal safety and security. My checking account with XXXX was used fraudulently and closed. I was then reported to Early Warning Services for " Checking Account Fraud '' showing a XXXX dollar loss. 

I was also the victim of Identity theft and XXXX XXXX and XXXX credit cards were opened in my name fraudulently and without my permission.
Product: Mortgage

I have filed a complaint against Wells Fargo home mortgage and I got a call from a person and when I told him I was XXXX and wanted to keep my home he laughed. The the was forces end on and I had been making the payments with the life insurance money when my husband passed away. I want to recover the money Wells Fargo took from me. The home was only in my husbands name. Why did they take the money and not tell me no the home is not in your name we wo n't take the money. Its discrimination cause I 'm XXXX and that person laughed at me. 
I have already submitted a compliment.
Product: Credit reporting

This item was disputed previously. 

Transunion manually updated this Tradeline. 

However - it is an orphaned record from XXXX that has n't been updated since they converted to XXXX. 

This account : 1. Was opened XX/XX/2014 2. Is missing its ALL Balance History for the duration of the time the account had been open 3. Is missing ALL Payment Data for the duration of the time the account had been open 4. Is incomplete and inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent written correspondence to TransUnion. Requesting them to provide documentation as to how they certified the information was accurate. I never received any information as to how my information was verified. I did some research and found that TransUnion verifies its information with a company called XXXX. On XX/XX/2022 I sent an email to XXXX  requesting them to delete my information out of there system. I do not give them permission to share my information with any credit bureaus or agencies that they are affiliated with. On XX/XX/2022 I sent another written correspondence to TransUnion asking them to do a reasonable investigation once again. I have received the results of the investigation. TransUnion has violated my rights as a consumer, per the FCRA rules and regulations for reporting a Bankruptcy. FCRA states that a credit bureau has to verify its information from the original creditor. 

TransUnion claims their investigation results are verified by the XXXX XXXX  XXXX XXXX XXXX MD. I have called the XXXX XXXX  XXXX XXXX XXXX MD. They do not verify information with the credit bureaus or any agency. I have a written letter from the XXXX XXXX  XXXX XXXX XXXX MD supporting this. TransUnion has violated my rights as a consumer and continues to violate after I sent them information showing the violation. 

I have attached copies of correspondence from me and from company.
Product: Debt collection

XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist from Unlawful Debt Collection Practices Dear Resurgent/LVNV Funding, This letter serves as a formal notice to you and anyone acting on your behalf to immediately cease and desist from the activities related to your debt collection practices under 15 U.S. Code 1692c - Communication in connection with debt collection These actions are unlawful and violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws and regulations. Your conduct has caused and continues to cause substantial and irreparable harm to me, and it must be stopped immediately. 

Therefore, I demand that you : Immediately cease and desist all unlawful debt collection activities. 

Confirm in writing that you have complied with this demand within 30 days from the receipt of this letter. 

Failure to comply with this demand will result in legal action against you without further notice. 

Please be aware that this letter is not a complete statement of my rights in connection with this matter, and nothing contained herein constitutes an express or implied waiver of any of my legal or equitable rights, all of which are expressly reserved. 

Sincerely, XXXX XXXX
Product: Debt collection

My credit report has a collection account showing a {$5.00} balance from a water company. The water company says nothing is owed and it was paid a year ago. 

The collection company says the debt is owed and wo n't remove it from my report with the bureaus until an investigation can be completed. 

I 'm trying to purchase a home currently and this issue could cost me thousands of dollars in fees and a higher interest rate on the mortgage.
Product: Credit reporting or other personal consumer reports

I received an update about my dispute through the mail with my results from my " reinvestigation. '' Unfortunately, Experian has violated the FCRA laws for credit reporting and sent a credit report stating that the item I disputed on my credit report was verified without providing the documentation given to them by XXXX XXXX : Account number : XXXX. I have everything I need to pursue legal recourse. In RICHARD V. FLEET BANK OF MASSACHUSETTS,190 F. SUPP. 2D 81 ( D. MASS. 2001 ). He stated that there was clear inaccuracies within his credit report and the credit reporting agencies failed to adhere to the laws by conducting a proper investigation. As a result the plaintiff sued and won. I have requested concrete documentation to represent the late payment history that is reporting in error and to my dismay, none has been provided. XXXX XXXX as well as Experian have violated my rights. I have requested under FCRA 623 ( a ) ( 8 ) documentation provided directly from the credit furnisher to prove the late payment, none have been provided. I have requested a proper investigation according to 1681i procedures in case of disputed accuracy and this has not been conducted thoroughly which is a violation. The company is also in violation of 1666b which is under the fair credit billing act. I have requested the documentation provided by the creditor to verify this information in my file. In which I have not received and it has been over 30 days from the date of the credit reporting agency receiving my dispute. This is also a violation. The integrity of this credit bureau is questionable due to the many violations. I am requesting that this erroneous late payment be REMOVED from my credit report. Failure to do so will be breaking the law and I have everything time stamped through the CFPB to plead my case as well as the multiple letters that have been sent on my own behalf.
Product: Debt collection

I am the consumer as defined under 15 USC 1692a ( 3 ). I am unaware of this alleged obligation to pay any debt owed to National Credit Adjusters , L.L.C ( DEBT COLLECTOR ). I did not have the opportunity to dispute this information. If in fact National Credit Adjusters , L.L.C ( DEBT COLLECTOR ) believe they have given me, the consumer under 15 USC 1692a ( 3 ) PROPER NOTIFICATION. National Credit Adjusters , L.L.C shall send me the certified receipt with my name on it, my signature.
Product: Money transfer, virtual currency, or money service

Good Evening.., my dears At Consumer Financial Protection Bureau.. greeting , On or around XXXX XXXX, I contacted Deutsch Bank CEO to process , my judgement XXXX at the superior court of XXXX  County Court , Arizona , then I contacted XXXX  branch, Then I contacted again new York head quarter , 6 months Passed, no response from Deutsch Bank, what's so ever, please contact CEO Deutsch Bank for me , thank you for your help,
Product: Debt collection

I am disputing the inaccurate reporting of a late payment on my account. XXXX XXXX XXXX XXXX XXXXXXXX .... has acknowledged the error in recording the payment and has since rectified the issue, with the account should now reflecting closure and a clean payment history. The account must reflect closed/never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I approached TransUnion in XXXX for a free credit check. I was billed {$1.00} on XX/XX/XXXX, and billed monthly until the most recent date, which was XX/XX/XXXX. The monthly cost has increased from {$17.00}, to {$24.00}. 

At the time, they required I enter debit/credit card information, which they have since used to bill me monthly. I used my debit card when I requested my free credit check, which has since expired. I do not recall when my debit card expired. I checked my bank statements and have not found a monthly charge, but I can only go back a few months into my statements. 

I did not know I was being signed up for a monthly subscription service. I did not receive a bill from TransUnion via mail, or email. The only trail of bills I could find was on their website, which I visited recently. I closed the account after discovering the list of charges. I am completing this report and will contact my bank later today. 

I fear they have charged my debit card without my knowledge and without fair notice. I believe they intentionally hid the " orders '' on their website to charge my card without my knowledge. I hope to find the total they charged my account when I speak with my bank today. 

I did not knowingly sign up for a subscription through TransUnion. They have since billed me without my knowledge and consent, and without fair notice. I have since located CFPB enforcement regarding this issue, dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account # XXXX violated my rights. 
15 USC 1681 Sect 602 state I have the right to privacy.

15 UCS 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open account consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) Was signed To stop adverse credit reporting during the COVID-19 crisis Under the amended FCRA, if a `` furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments.
Product: Credit reporting or other personal consumer reports

This evening, I found inaccurate accounts on my credit report, and I was completely shocked. I check my report regularly, but these discrepancies appeared out of nowhere this time. I refreshed my browser, thinking it might be a glitch, but the inaccurate accounts remained. Im deeply concerned and requesting that my documents be checked thoroughly so I can put this behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX ( Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Product: Credit card or prepaid card

On XX/XX/2022 A lady at XXXX XXXX XXXX attempted to charge us for Online tickets for the XXXX XXXX XXXX XXXX XXXX. On that Night She attempted several options which inadvertently charged me for game ticket on XXXX of {$150.00}. 

She then charged my card for another {$120.00}. When informed of double charges she then state that I can contact XXXX for cancellation and get refund. After several attempts to get my refund, I contacted CapitalOne to address the situation. 

Capitalone obviously neglected all my information and just refused to address my case. I then call twice CapitalOne to help again. A lady on the phone stated that they will reinvestigate after I submit a written document. I then filled out all the paper and return back to CapitalOne and till today capitalize has not resolved my situation.
Product: Credit card

This relates to XXXX similar issues The bank offered a {$XXXX} reward for making a purchase of any amount between XXXX via an email offer if I used their credit card. I made a purchase within this timeframe ( as evidenced by the an attached account payment confirmation for a statement that was generated in this timeframe. I never received the reward or a notification that the reward was issued. 


Again, in XXXX of XXXX, the bank offered me a {$XXXX reward for making a purchase of {$XXXX} using their credit card by XX/XX/XXXX. Attached receipt shows purchase made on XX/XX/XXXX for {$XXXX} On XX/XX/XXXX at XXXX ET, an inquiry was sent via the bank 's secure message inquiring about the status of the reward. 

On XX/XX/XXXX, I still had not received the reward or notification of the reward and contacted the bank, the bank stated that they will inquire and send communicate with me once their inquiry was complete. 

In XX/XX/XXXX, I contacted the merchant ( XXXX XXXX ) about both rewards ( references # XXXX and # XXXX ). On XX/XX/XXXX, they reissued XXXX {$XXXX} reward. I contacted them again about the second reward but they refused to issue it, stating that it was expired. They failed to state when the reward was issued/sent and when a notification was sent ( Reference # XXXX ).
Product: Credit reporting or other personal consumer reports

The account below showing on my consumer report is not valid, I am requesting that these accounts be removed asap. I did not provide written permission or instructions for my identification to be reported to my consumer report. I am requesting that the reporting of this information be block and removed, My request to be is not being made in error nor is my request to block being made on a material of a misrepresentation of fact by me relevant to the request to block related to any transaction by me as a consumer. I never signed a XXXX form or XXXX giving permission to use my SSN, I have attached all verifible government documents to prove my identity and am hopeful the company will do the right thing and remove these accounts and inquires within 4 days from my consumer report. XXXX XXXX XXXX XXXX, account XXXX, XXXX  XXXX XXXX, account XXXX and inquires XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX rocket XXXX I included ID, XXXX, XXXX and LETTER ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are two bureaus reporting different information. One bureau is showing a payment amount while the other has 0 dollars as a payment amount. The date open date is different on the two bureaus. Also the amount owed is less than the high payment. Please remove this account from my report due to its inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

XXXX XXXX - Inquiry date XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXXXXXX XXXX - Inquiry date XX/XX/XXXX XXXX Bank XXXX XXXX - Inquiry date XX/XX/XXXX XXXX Auto - Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX