23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the item be removed or updated to reflect the correct the information. 
Enclosed are copies of documentation, supporting my position. Please reinvestigate this matter and delete or correct the disputed items as soon as possible. 

Your Company has refused to properly investigate these accounts by saying these inquirys are actual fact, when they are NOT. 

The following credit inquiries are related to none of the fore mentioned permissible purposes : The following inquiry needs to be removed immediately : XXXX XXXX/XXXX   Inquiry from : XX/XX/XXXX XXXX XXXX  Inquiry from : XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 

I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my credit report. 
I sent also sent this letter via certified mail to ensure this matter is resolved within the required 10-day window.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It 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 end consumer credit plan as late for any purpose.
Product: Debt collection

Subject : Dispute of Debt and Notice of Revocation of Consent Oliphant USA , LLC XXXXXXXX XXXX XXXX, XXXX, Fl XXXX Dear Oliphant USA , LLC, I am writing to formally dispute any and all debt that you claim I owe. I have no knowledge of this debt and require validation of the alleged debt. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I demand that you cease all collection activity, including but not limited to, telephone calls, text messages, and emails. I hereby revoke any and all consent previously given for communication via these methods.

I further request the following information : Debt Validation : A validation of the debt, including the original creditor, the amount owed, and a copy of the original agreement.

Purchase Agreement : A copy of the original purchase agreement between the original creditor and myself.

Licensing and Bonding : Proof that Oliphant USA , LLC is properly licensed and bonded to conduct debt collection activities in my state of residence.

Please be advised that, pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), I am entitled to dispute any information in my credit report that I believe is inaccurate or incomplete.

I expect a written verification of the debt within 30 days of this letter. Failure to provide the requested information within this timeframe may result in further legal action. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I XXXX XXXX XXXX submitted a dispute via certified mail I have also filled a civil suit against Experian for violating my consumer rights & did not remove XXXX XXXX XXXX from my personal credit report in the amount of XXXX according to section 605b of the fair credit reporting act that account is supposed to be removed wit in 4 business days Experian have violated my consumer rights I am a victim of identity theft & XXXX XXXX XXXX should be removed as soon as possible
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Prepaid card

I received an Amex gift card that does not work for online shopping or in stores. I've tried multiple websites and in person shopping.
Product: Credit reporting or other personal consumer reports

I HAD 7 ACCOUNTS THAT WERE TO BE DELETED FROM MY CREDIT REPORT. THEY DID NOT GET DELETED. THEY WERE WRONG AND INACCURATE BETWTEEN EXPERIAN, TRANSUINION AND EQUIFAX. THEY VIOLATED THE FCRA. THESE ACCOUNTS MUST BE DELETED NOW. ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI HAD ACCOUNT THAT I WANTED UPDATED IN THE PAYMENT HISTORY TO NEVER LATE BECAUSE IT WAS REPORTING THIS LATE PAYMENT INACCURATELY BETWEEN EQUIFAX, TRANSUINON, EXPERIAN . ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, X/X/2017, I found out that there was a security breach at Equifax. Equifax setup an application to check if anyone was impacted by submitting their last name and last 6 digits of SSN. I found that I may have been impacted while my wife was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 or other personal consumer reports

I am writing to dispute certain accounts and inquiries listed on my consumer credit report, as referenced below, which I believe are the result of a data breach or fraudulent activity. I demand verifiable proof bearing my signature or electronic signature, as I never authorized these actions. These incidents violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], which requires the blocking of information resulting from fraud or a data breach, and Section 604 [ 15 U.S.C. 1681b ], which governs permissible purposes for accessing consumer reports. 

I have contacted the companies involved and verified that these actions were initiated without proper validation or original proof from the reporting entities. Since I did not authorize these accounts or inquiries, they are inaccurate and must be removed. Allowing this information to remain on my credit report constitutes a violation of my consumer rights by creditors or third-party data furnishers. 

Thank you for your immediate attention to this matter.
Product: Debt collection

on XX/XX/2020, i sent NCB MANAGEMENT SERVICE a letter asking for the validity of the alleged balance of XXXX that i do not owe.I haven't receive anything from them concerning this account.please assist me in this matter and i have attached a copy below
Product: Mortgage

On XX/XX/27, I attempted to apply online to Figure ( HELOC ) company. Their system utilizes a soft pull application without the need for the applicant to input their social security number. I almost immediately received an Adverse Action notice for " Limited History ''. However, this is incorrect. I have multiple tradelines including car loans, credit cards, and a mortgage. I have had credit for last 8-10 years and have credit scores. Actually just got approved for a car loan the other day. When I contacted the company they stated that I can attempt to reapply but information from XXXX  is " Limited History '' and N/A credit score.  However, I guarantee this information is my father who has the same name, and used to live at my house/address who happens to not use credit at all. They are declining me for a reason that doesn't apply to me. XXXX  confirmed I also do not have " limited history ''.
Product: Money transfer, virtual currency, or money service

XXXX  XXXX XXXX XXXX all canceled any transaction i attempted which i paid from my debit or bank account all refused to allow me to do any transaction closed my account anf offered no explanation as to why!!
Product: Payday loan, title loan, personal loan, or advance loan

I borrow XXXX and received XXXX to spend that was deposited to my account as I recall I've made biweekly payments of {$800.00} so far as was told that the money is going towards monthly statements not towards the principal of taking money down from the loan..not understanding because it says payback what you borrowed. No interest rate..no APR..just want to make sure thay this company action are legit in my state of new jersey..before I continue any more payments
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. 



Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate assistance in resolving a persistent issue with TransUnion. Despite multiple disputes and providing substantial evidence from XXXX, TransUnions own data provider, confirming the deletion of an erroneous XXXX entry on my credit report, TransUnion has refused to remove this inaccurate information. Instead, they have denied me access to my credit file and cited possible fraud without justification, violating my rights under the Fair Credit Reporting Act ( FCRA ). My numerous calls to verify my identity have been met with refusals to assist, preventing me from correcting the error and unjustly impacting my financial well-being. Please take swift action to enforce TransUnions compliance with the FCRA, as this continued failure has caused significant hardship, and I am prepared to pursue legal remedies if not addressed.
Product: Credit reporting

Recently I disputed a bankruptcy with Experian that was verified as accurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that Experian is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my Experian report and has long been gone from the other credit reporting agency 's ( XXXX and XXXX ). I have uploaded documentation that supports my claim. please review thanks.
Product: Consumer Loan

Ford Motor Credit is not properly crediting my customer account. In documentation, Ford requested proof of payment by customer prior to XX/XX/2016 - which was provided. 
Proof of a payment for XX/XX/2016 was also provided which should have been credited fro XX/XX/2016 instead of XX/XX/2016. 
The account should not reflect a 46-day delinquency for XX/XX/2016 and should be corrected.
Product: Mortgage

On XXXX XXXX, XXXX we requested to the removal of PMI payments. We were told we had not quite made it to 80 % of the loan at this time. This was told to us by a rep as we had to call to find out their answer and a letter sent by ditech. 

We reevaluated our ratio and on XX/XX/XXXX and called to see what instructions we would need to request this again. The rep told us we met the XX/XX/XXXX ratio in XX/XX/XXXX. We followed the directions and sent another letter asking again to remove the PMI payments. They have no one you can talk to other than submitting in writing. We received a response on XX/XX/XXXX denying the request. 

We sent a response back on XX/XX/XXXX to refute their decision as this loan is a conventional loan originating with XXXX which was bought by ditech. Per the homeowner 's act of XXXX we should be eligible. ditech is telling us we have to meet 70 % or loess of current value of the property. Further stated when I called ditech yesterday ( XX/XX/XXXX ) I asked the rep to tell me where it states in XXXX XXXX that this is a requirement as he stated. He could not and said he would have to defer my issue/concern to someone else who should be calling in 1 - 3 days. 

We have made our payments in the last ten years all on time. Per the HPA we meet the requirements. 

Ditech did offer for us to pay for an appraisal but we are under the 80 %.
Product: Mortgage

COMPLAIINT : WELLS FARGO N.A, WFHM, & XXXX XXXX TRUSTEE SOLUTION IS IN VIOLATION OF NOTICE OF TRUSTEE SALE OF MY ( XXXX XXXX ) PROPERTY LOCATED AT : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 
NOT RECEIVING PROMISSED LOAN MOD DOCUMENTSSERVICER REFUSE XXXX TO ACCEPT MY PAYMENTS DEFECTIVE PAPERS ARE RECORDED WITH XXXX TRUSTEE SERVICING SOLUTION, LOST THEIR TRUSTEE RIGHTS TO XXXX ( TRUSTEE OF XXXX ), CHANGED NAME OF THE ADDRESS & SUBSTITUTION TRUSTEE NOT FILED CORRECTLY, NO RECORD WITH STATE OF CALIFORNIA OF SUBSTITUTION TRUSTEE. 
NON DISCLOSURE OF DOCUMENTS & VIOLATION IE :. 1-XXXX BALANCE SHEET 2-XXXX OID REPORT 3-XXXX REGISTRATION STATEMENT 4-XXXX PROSPECTIVE 5-XXXX & XXXX XXXX SCHEDULE 6- FULL ACCOUNTING & VERIFY STATUS OF AN " UNCONSCIIONABLE CONTRACT '' .7- VIOLATION OF DUAL TRACKING -I WAS IN LOAN MODE WHEN WFHM SEND LETTER OF -NOTICE OF TRUSTEE SALE, NO DENIAL LETTER / APPEAL LETTER /RIGHTS OF THE TRUSTOR / BORROWER WAS SEND. 8-VIOLATION OF THE SECURITY FIRST RULE 9-WRONGFUL FORECLOSURE 10-VIOLATION OF THE XXXX FDCPA 11-VIOLATION UNDER B & P CODE XXXX ET SEQ :., NO RESPOSE TO MY NOTICES, OBJECTIONS AND DEMAND LETTERS DATED XX/XX/2015 & XX/XX/2015 12-THERE IS NO DELINQUENCY OR DEFAULT -LENDER HAS BEEN PAID IN FULL 13-JUDICIAL PROCEEDING IN WHICH ALL PARTIES ARE INCLUDED WILL PROVIDE FAIR DETERMINATION OF THE RIGHTS, OBLIGATION AND TITLE TO THE PROPERTY, MORTGAGE AND NOTE. TITLE AGENT SAME AS TRUSTEE HAS INSURANCE FOR ERROR AND OMISSION THAT ISSUED THE POLICY WILL HAVE TOTAL LIABILITY FOR THIS FRAUDULENT TRANSACTION. 
XXXX-VIOLATION OF CCC XXXX, XXXX XXXX, HBR, OCC & IFR . 
TO AVOID LITIGATION SOLUTION FOR THE PROBLEM IS THAT I WAS APPROVED HAMP AND PAID {$1800.00} FOR 9 MONTHS IN GOOD FAITH, I LIKE TO HAVE THE SAME DEAL, SO ME & MY FAMILY BE A GOOD CUSTOMER OF THE WFHM AND IN SUCH WAY BOTH PARTIES WILL AVOID EXPENSIVE LITIGATION AND ALSO MY LAWYERS AND CONSULAR GAVE ME THE ADVICE THAT RE ENTERY DEPT. XXXX XXXX XXXX IS NOT COOPERATING AND VERY RUDE IN HIS DECISION AND HE IS NOT GOOD FOR BOTH PARTIES. 
I HOPE AND REQUEST THAT WE SHOULD GET SOME REASONABLE PERSON WHO CAN UNDER STAND BOTH PARTIES AS CASE MANAGER IN THE RE- ENTERY DEPT :. 
I XXXX XXXX & FAMILY SUBMITTED ALL LOAN DOCUMENTS AND REQUESTED TO CANCEL / RESEND /POSTPOND SALE DATE. I HOPE YOU WILL UNDER STAND BOTH PARTIES POSITION AND INVESTIGATE THE MATTER, WHICH IS BEST FOR BOTH THE PARTIES. 
THANK YOU. 
XXXX XXXX
Product: Mortgage

On   XX/XX/XXXX , Bay  view Loan Servicing ha d us start making three trial modification payments. On   XX/XX/XXXX , we st arted making  three  trial modification payments and finished on   XX/XX/XXXX ,  we made our final modification payment. Starting   XX/XX/XXXX , I  checked the porch daily for a permanent modification package fr om Bayview Loan Servicing. Fr om   XX/XX/XXXX   until the beginning o f  XX/XX/XXXX , for over 200 days I have checked my front porch for a corrected conversi on permanent modification packet that has never come. At the beginnin g of  XX/XX/XXXX  after checking the porch for over 220 days almost a year for the conversion packag e the permanent modification package there was nothing there on the porch. I calle d Bayview Loan s ervicing the beginning of   XX/XX/XXXX  and a sked about the package as I had done multiple times before over the 220 day time frame and I was told by Bayview Representative that nothing had gone out. For over 220 days I did n't leave my home for any situation that required more than an over night stay even during my husband   XXXX   XXXX  ,  XXXX  and hospital stay I would leave the hospital to check my front porch for the conversion permanent modification package  Bayview Loan Servicing,  my asset manager  XXXX   XXXX  stated was coming on multiple occasions. In the beginning o f  XX/XX/XXXX , I  had a family emergency I had to leave my home to go out of state, the family emergency resulted in  XXXX  and the  XXXX  was this pass weekend ; however , Bayview Loan Servcing s tarted foreclosure on my home for missing payments they told me not to mak e. Bayview Loan Servicing is  dual tracking my home. Although  Bayview Loan Servicing  had told me to stop making payments in   XX/XX/XXXX , I made trial modifications payments from  XX/XX/XXXX  until  XX/XX/XXXX  for ten month s and never received the correct conversion permanent modification pack age Bayview Loan Servicing sta ted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle with XXXX XXXX in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. However XXXX XXXX since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including XXXX XXXX. XXXX XXXX computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with XXXX XXXX. When I call XXXX XXXX they keep apologizing and say that their records show I owe property taxes on the car, which XXXX XXXX knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet XXXX XXXX continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. XXXX XXXX refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with XXXX, XXXX and Experian. All agree this is an error but can not stop XXXX XXXX 's reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by XXXX XXXX has to end now. I have called XXXX XXXX many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called XXXX XXXX to say no taxes are due, yet XXXX XXXX continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.
Product: Credit reporting or other personal consumer reports

Report Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. FAIR CREDIT ACT 15 USC 1682 SECTION 603 AND 15 USC 6802 ( b ) ( c ) AND 15 USC 1681C ( a ) ( 5 ) This account is fraudulent. This account all due to Identity Theft. I have never had an account with XXXX XXXX XXXX. Collection Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX  : Amount {$2900.00}