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

To Whom It May Concern, I am submitting this formal dispute regarding charge-off accounts on my credit report, and I am demanding their immediate and permanent deletion. While these items may have been verified, I assert that they are inaccurate, incomplete, and were reported without proper permissible purpose. A correction of these items is insufficientthey must be deleted.

1. Violation of 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy As outlined under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information reported. The verification of these charge-offs is based on incomplete or inaccurate data, and I demand that these items be deleted immediately. 

2. Violation of 15 U.S.C. 1681b Permissible Purpose for Accessing My Credit Report The creditor must prove that they had a permissible purpose under 15 U.S.C. 1681b to access and report these charge-offs on my credit report. If no such proof is provided, the reporting of these items is unlawful, and they must be deleted.

3. Violation of 15 U.S.C. 1681i ( a ) Under 15 U.S.C. 1681i ( a ) ( 5 ), any disputed information that can not be fully verified must be deleted. Despite the so-called verification from one CRA, sufficient documentation has not been provided to prove the accuracy and completeness of these charge-offs. As a result, these items must be removed from my report.

4. Violation of 15 U.S.C. 1681n Civil Liability for Willful Noncompliance If these charge-offs are not deleted and you fail to act within the statutory period, I will pursue legal action under 15 U.S.C. 1681n for willful noncompliance. I will seek statutory damages, punitive damages, and attorneys fees for your failure to meet your legal obligations.

5. Violation of 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Even if the noncompliance is found to be negligent rather than willful, you can still be held liable for damages under 15 U.S.C. 1681o. Any failure to conduct a proper investigation or correct the inaccuracies constitutes negligence under the FCRA.

I am not requesting a mere correction ; I am demanding the immediate deletion of these charge-off entries from my credit report. Failure to comply within the statutory 30-day period, as required by 15 U.S.C. 1681i, will result in formal legal action under the FCRA. Please confirm the deletion. 

Sincerely, XXXX XXXX
Product: Debt collection

I called this company about a year ago, when I noticed a collection on my credit report. The collection is not a collection of mine, it is fraud. 
I have asked the company to submit to me proof of contract, which they havent. Also, the supervisor told me in order to get the account removed from my credit that it would have to be paid in full, and that was the only way. The collection company was paid in full but was never deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. I have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that they remove the following accounts and send me my updated consumer report. i am ready for court.
Product: Credit reporting

I filed a dispute on XXXX XXXX, 2015. I requested validation after not receiving a dunning notice, bill, etc from the collection agency. The name on this account is not my last name. I have never had an account with XXXX. This account was previously being reported by a different collection agency and was deleted because they could not validate the debt. How is this company able to validate? The validation I received is just a print out from the debt buyer. I called XXXX and they have no accounts with my name. This is obviously a mix up and it is destroying my credit rating.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC XXXX Part XXXX, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Funding Date Opened XX/XX/XXXX Balance {$430.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$250.00} XXXX Date Opened XX/XX/XXXX Balance {$340.00} **Inquiries** XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED ( Government ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/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: Mortgage

I am XXXX after an on the job XXXX where I worked for the same company for 20 years. XXXX I have been jumping through hoops with Washington XXXX XXXX XXXX XXXX for 3 years now and so forced to live on 60 % of my former income while they decide my fate. My condo is being foreclosed on XXXX XXXX. I tried to do a short sale and was told I would qualify for the Making Home Affordable Program which would give me $ XXXX to relocate. I brought a buyer with a cash offer to the mortgage co, Ocwen, who had my first and 2nd mortgage. They accepted the buyers offer but they sold the 2nd mortgage to a private investor who will now not accept the offer made to them but wanted $ XXXX more. The buyer came up with $ XXXX more for the XXXX but then Ocwen said okay they got more now we want $ XXXX more which will put the price of the condo at more than the fair market value. Now they have told me because the XXXX mortgage holder is private, I do not qualify for the XXXX XXXX anymore and they will not accept the cash offer they originally said they would accept so they are forcing me to foreclosure. They will force me to be homeless rather than accept a buyer. I did not sell the loan to the private investor Ocwen did. The money would have helped me to find another place and pay first last and deposit. Now they wo n't accept the sale for a reasonable price and I do n't know what to do. Can you assist in any way?
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX  Account Number : XXXX Inaccurate Information : o The " Date Opened '' is listed as " XX/XX/XXXX '' by XXXX but " XX/XX/XXXX '' XXXX XXXX and Equifax, causing discrepancies in account history. 
o The " Date Last Active '' is reported as " XX/XX/XXXX '' by XXXX and Equifax, but XXXX reports it as " XX/XX/XXXX, '' suggesting outdated or incorrect reporting. 
o The " Comments '' field includes different remarks across bureaus. XXXX states " Dispute resolved ; reported by grantor, '' XXXX mentions " Account was in dispute- now resolved - reported by subscriber, '' and Equifax notes " Account previously in dispute- now resolved by data furnisher. '' These inconsistent comments create confusion and misrepresent the accounts current standing. 
o The " Two-Year Payment History '' shows a " XXXX '' delinquency for XX/XX/XXXX in XXXX, while XXXX and Equifax report no delinquencies for the same period.
Product: Debt collection

I sent the company a written letter asking them to prove that I owe them this debt. I asked for a list and a wet signature of this debt that I had with them. Instead, they sent me a list from a different debt collector ( XXXX XXXX XXXX ) and a bill from them. They did not send me a signature that I had with them nor that I made this debt with them. I sent them a letter of refusal to pay and asked them to take this debt off my credit report.
Product: Debt collection

I received a letter from Midland Credit management with Big bold heading stating " PRE-LEGAL NOTIFICATION '' also states they may proceed with forwarding this to a lawyer if I don't pay account in full. Also states if we forward your account to attorney this results in a lawsuit against you. 
This is the first I even heard from this company with this alleged collection and they are threatening to sue me. 
They also re-aged the debt ( Ive attached a screen shot of the most current credit report for support of proof. 
The amount on their letter is higher than what's reporting on the credit bureaus also. 

I responded with a letter and have not heard back. Ive attached their letter and my response letter.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$17000.00}, XXXX XXXX XXXX Account # XXXX XX/XX/XXXX bal. {$720.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$430.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$340.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$250.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$180.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX XXXX XXXX Account # XXXX XX/XX/XXXX bal. {$0.00} inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Hello! Wells Fargo closed my checking account for no reason and is not giving my funds from the account. My mother ( XXXX XXXX ) recently send me 8 different transfers ( between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) from her country XXXX ( her local bank XXXX  ) little over XXXX XXXX XXXX  to help me and my family with down payment for the cabin we are looking to purchase. All the transfers went through without problems in till XX/XX/XXXX| received an email from Wells Fargo that they closed my account because of suspicious activity. I went to local Wells Fargo branch in XXXX XXXX first thing I no the morning XX/XX/XXXX and the representative there asked me to call the fraud department as he can not help me. I called the fraud department right there at the branch and they told me that the transfers my mother ( XXXX XXXX ) sent me from her account to my ( XXXX XXXX ) are from XXXX XXXX to XXXX XXXX? Why would my mother XXXX XXXX send money to herself to my ( XXXX XXXX ) account? Now they blocked me from all access to my account and I can not get my money. Wells Fargo wants my mother ( XXXX XXXX ) who is and lives in XXXX XXXX to go to Wells Fargo branch with 2 forms of ID in order for me to get my money?? This is my account, under my name only and my mother clearly sent that money to me. Please help me, this is very large amount of money for me and my family. Wells Fargo is just not giving me my money that my mother sent me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
Account XXXX : XXXX XXXX Account XXXX : XXXX
Product: Credit card

Citicards misrepresents balances and makes it impossible to pay them in full. In fact their rep just told me that although I paid my balance in full the month before, I will still be charged interest until I pay in full XXXX months in a row. I am paying interest on the interest of a XXXX balance account. Despite the fact that they list a "Previous Statement Balance" and a "CURRENT Statement Balance" you never actually get the correct balance. So you ALWAYS HAVE A BALANCE even when you have PAID IN FULL THE MONTH BEFORE. Call them or online chat with them and you get an endless cycle of NONSENSE!!!!!!!!! One operator will tell you to pay a certain amount and the next tells you to only pay the balance listed.....it should be criminal.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Inaccurate Late Payment Reporting I am filing a formal complaint regarding the failure to correct inaccurate information concerning late payments reported on my credit report for account XXXX XXXXXXXX with XXXX. Despite multiple correction requests ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, I am protected under the CARES Act due to the XXXX pandemic, which impacted my payment ability during the period in question. 
Nature of the Complaint : FCRA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account suggests a failure to comply with this requirement. Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures to consumers. The inaccurate reporting of late payments has negatively impacted my creditworthiness and caused unnecessary harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the obligation of creditors to provide timely statements, preventing unfair penalties against consumers. 
CARES Act Provisions and XXXX Impact : Due to the XXXX pandemic, I experienced financial difficulties which impacted my ability to make timely payments. Under the CARES Act, I am eligible for accommodations, and creditors are required to report accounts with accommodations as " current '' if payments were deferred, reduced, or otherwise accommodated during the pandemic period. 
Summary of Errors on Account 30-Day Late Payments : Listed as late for XXXX, XXXX and XXXX despite the account being under a CARES Act accommodation. 
60-Day Late Payment : Listed for XXXX, which inaccurately reflects my status under XXXX accommodations. 
Account Description and Remarks : Indicate that the account was disputed and resolved by the grantor, yet XXXX and XXXX still reflect inaccuracies despite these prior disputes. 
Account Status : Listed as " Open, '' but the CARES Act accommodation should require it to reflect a " Current '' status. 
Requested Resolution : I am requesting that TransUnion immediately remove the late payment notations from my credit report in compliance with the CARES Act, accurately reflecting my on-time payment history and any XXXX accommodations. Additionally, I request written confirmation of this correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am receiving several phone calls at my place of work ( XXXX is the number of the XXXX I work at ), regardless if I am there or not, every single day. I have myself gotten on the phone to tell them this is my place  of employment and they can not call me here but they continue. They have now learned my spouse also works at the same XXXX and have begun asking to speak to her as well. This has been going on for several weeks to the point my employer is considering it a distraction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries that should be removed. XXXX XXXX services - XXXX XXXX XXXX, XXXX - XXXX. Additionally, there is personal information being reported that I did not authorize : XXXX  XXXX Bankruptcy - XXXX - reference number XXXX - XXXX XXXX XXXX DE XXXX. Per 15 U.S. Code 1681 b - permissible purposes of consumer reports, this should be removed.
Product: Debt collection

The Law Office of Daniel Consuegra XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX XXXX XXXX XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the XXXX have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is XXXX XXXX. Please investigate XXXX of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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: Prepaid card

This company stole my {$75.00} then closed my account when I tried to dispute it. They wont help me, they keep disconnecting on me and they help me.
Product: Debt collection

This information has been provided thru my XXXX Account : https : //www.creditkarma.com/credit-health/transunion/factors/dm {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/2019 ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX  See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX Hi. Can you please send the original contract with my signature on it and the address and phone number. Also the payment history. Please take off of my credit immediately thanks XXXX XXXX XXXX