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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Charged-Off Accounts Dear Sir/Madam, I am writing to formally dispute the charged-off accounts listed on my credit report under the account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed that this account is being reported as charged off, which I believe is inaccurate and misleading. 

I would like to bring to your attention the following points regarding this account : 1. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding this charged-off account is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date.

2. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the reporting of this charged-off account is in compliance with the relevant state laws.

4. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely. 

Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution. 

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it. 

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
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 XXXX09 ( 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 discarded : 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

On XXXX.2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I have received multiple letters/correspondence from Target Card Services that I have a balance on my credit card ( see attached as one letter received for the period of XXXX ). I have not used the card in about one year. I made a police report today ; the temp ID number with XXXX Sheriff is XXXX. I think this is related to XXXX XXXX, an ex-husband, accessing lines of credit. He was never on my Target Card. I called them on XX/XX/21 and the employee I was spoke with had an ID of XXXX. He said it was XXXX XXXX. I explained XXXX was never on this card and I asked for them to mail me a letter reversing these charging including the late fees. I have not gotten a resolution from them at this time.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX Credit Card Accounts Authorized User/ Advised to Remove XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$20000.00} XXXX XXXX BALANCE : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance {$3.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint that Equifax mishandled my personal information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

Thank you.
Product: Money transfer, virtual currency, or money service

I found the goods I was looking for in XXXX XXXX, me and the seller ( scammer ) texted each other about the item in question and the payment needed, he said he only accepted XXXX. I transferred XXXX dollars to his XXXX account. And after I messaged him that the payment has been sent, he blocked me off of XXXX without notice. The scammer 's name is XXXX XXXX. And he's got an accomplice. The banks involved are Bank of America ( my bank ), and XXXX XXXX the scammer 's bank ). I've already called BofA about the XXXX transaction and the best they could do is submit a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims that they report my payment, remaining loans to all the major credit reporting agencies but I never see it in XXXX, Equifax or XXXX. 
I have reached out to XXXX and XXXX XXXX. Equifax and XXXX are unreachable. When I use my information to create an account it does not work.
Product: Debt collection

XX/XX/year> I have already paid {$230.00} for an emergency visit at XXXX XX/XX/year> I have already paid {$830.00} to the XXXX XXXX department XX/XX/year> I have paid {$44.00} to XXXX XXXX XXXX for a balance radiology Now XXXX XXXX XXXX 's Associates send me a debt of {$620.00} but the informations of my name are not correct And I have already paid {$1100.00} And I'm self-paid And they didn't ask me this amount before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian notified me that there was a credit inquiry made by someone that I didnt recognize. They claim to be the US sm SBA admin ODA and there was even an 800 number associated with it. ( See attached screen shot ) I called and could tell immediately it wasnt the real SBA. They answered the phone SBA and immediately asked for my social. They even transferred me to a so-called fraud department. The inquiry was made today, XX/XX/XXXX. I have notified all three credit agencies and put a freeze on my account. I am just reporting this so you know someone is posing as SBA And Using stolen Social Security numbers.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern arising from the Equifax data breach of XXXX, which has resulted in the illegal sale and purchase of my personal information. Despite Equifax acknowledging my victimization in this breach, no corrective measures have been taken by them to rectify the associated issues with my credit reports. Enclosed herewith is evidence substantiating Equifax 's admission of my status as a victim of the aforementioned data breach. In light of this, I am formally requesting the immediate deletion of the following illegal accounts from my credit reports : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I expect the Consumer Financial Protection Bureau to utilize its authority in this matter and ensure that Equifax takes immediate action to rectify the inaccuracies in my credit reports. This includes the complete removal of the aforementioned illegal accounts and the expeditious resolution of any related issues. Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will act decisively in upholding consumer rights and holding Equifax accountable for its negligence.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX from XXXX XXXX XXXX. I purchased XXXX extra miles up front so I wouldn't go over mileage. My total mileage allowance was XXXX for the lease. I turned in the lease with approximately XXXX. I assumed like other car manufactures that they would send me a check for unused miles after turn in date was XX/XX/XXXX. I called them approximately mid XXXX to check on the status of the refund. However, I was told they don't refund unused pursed miles. I had to get them to clarify this with upper manager that they owe me a refund. They came back to inform me at the end of XX/XX/XXXX days they would send the refund. My concern is how many other customers are being cheated or abused like I have on something paid for but haven't use. Thanks for your time. Please contact me if needed.
Product: Credit reporting or other personal consumer reports

cease and desist contract was fraudulent the dealership collect down payment they have closed down sense the pandemic financial company credit acceptance still harassing me reporting inaccurate information on my credit profile for XXXX yrs XXXX  months
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized inquiries on my credit report that I would like to get removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd and final attempt to get this 30 late payment removed from my credit profile or to remove the entire account completely. I have sent in multiple documents supporting my claim and nothing is being done. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to XXXX XXXX and requested requesting deferred payment XXXX XXXX XXXX XXXX XXXX. I was unable to work. They approved my request. Unfortunately it was not inputted in there system, and next thing you know i have a 30 day late. I immediately paid the past due amount once i got the notification. I have reached out to XXXX XXXX and they will not assist in removing XXXX XXXX 30 late payment. I have sent copies of my XXXX XXXX XXXX, testing result and treatment to Experian, XXXX, XXXX XXXX and XXXX. XXXX is the only one who has listened and has acted. They removed the entire account from my credit report. 

XXXX XXXX, Experian and XXXX has violated my rights and consumer laws. Per FCRA i have the right to an accurate Credit Report. If i do not get resolution of this i will seek professional representation to get this removed/resolved and will pursue fines and penalties to the fullest!!!
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) Account Holder DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regulation Z gives borrowers the right to cancel certain credit transactions, including a lien on a borrowers dwelling, to regulate some credit card practices, and to provide consumers with access to fair and timely credit billing disputes. 

Regulation Z is enforced by the U.S. Federal Reserve Board and the Consumer Financial Protection Bureau. However, the Dodd-Frank Wall Street Reform and the Consumer Protection Act of 2010 transferred most responsibility to the CFPB. 

My Auntie passed away XX/XX/XXXX. Several fraudulent purchases where made while she was on her death bed and other purchases where made after she died .My Aunt XXXX never abused or maxed out her credit cards. XXXX never gave consent for anyone to use her credit cards. She never authorized any authorized signers on any of her accounts. I want all these fraudulent credit card purchases to be carefully reviewed, and i want all charges cancelled due to fraud. My aunts spending patterns where simple. She always paid in full, never left a balance and hardly never used her credit cards. Why weren't these unusual spending patterns noticed? Its negligence on the creditor part for not noticing unusual patterns, large purchases a. I am the Personal Representative of her Estate, and I want to make sure all of her affairs are in order. 

RE : XXXX, XXXX XXXX Local Case Number : XXXX Filing Date : XX/XX/XXXX State Case Number : XXXX Judicial Section : XXXX Consolidated Case No. : N/A Case Type : ADMINISTRATION My name is XXXX XXXX DOB XX/XX/XXXX I'm the Personal Representative of the Estate of XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CREDITACPT. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Fraud Victim Assistance Department, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. DELETE OR BLOCK THE FOLLOWING ACCOUNT ( XXXX XXXX XXXX XXXX  ). THE ACCOUNT IS NOT VERFIFIED! TRANSUNION HAS NOT PROVIDED PROOF OF WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTION. 

You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.
Product: Mortgage

My insurance company sent me a check for XXXX of the funds to replace my roof. The mortgage company ( on the phone ) said to mail them the check and they would endorse it and mail it back. I mailed it to them with a tracking number and it is documented on insuranceclaimcheck.com that they received it XX/XX/2023. I called them around XX/XX/XXXX and they said the check for {$5600.00} was {$610.00} over their amount they could send back and they began a " request process '' to request that the entire check be released. I called them again a week ago and they said they could not discuss the check with me and to contact myinsuranceclaimcheck.com. When I contacted them, they claimed the check was mailed back without a tracking number ( after requiring me to mail it overnight with a tracking number ). The check never came and I am getting it reissued from the insurance company and going through this process all over again. My roofers are waiting to start and a month later, I still don't have the check. 

My loan is current, but I was behind when I originally mailed them the check. The attached conversation shows where the mortgage company is holding the check hostage and not releasing funds " due to the status of my loan '' at the time I mailed them the check. 

This is MY insurance policy. I pay the bill. The mortgage company does NOT have the right not hold MY insurance funds. I want EVERYTHING released immediately so I can get my roofers started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX XXXX XXXX # XXXX {$620.00} LXXXX XXXX # XXXX {$530.00} XXXX XXXX XXXX # XXXX {$710.00} XXXX XXXX  XXXX XXXX XXXX {$810.00} and XXXX XXXX XXXX XXXX # XXXX {$13000.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX : {$30000.00}
Product: Credit reporting 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 Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX and list of Inquiries. 

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: Debt collection

XXXX XXXX, XXXX at XXXX am. 

Received a phone call on my cell regarding a debt. After returning the call, I informed XXXX that I was on the Do Not Call Registry and that I do not have any outstanding debts. He read the last 4 of the SS # that he was looking for, and I told him that was not me and the last known address he had was in XXXX Washington. I informed him that I had never lived in Washington State. He was clearly calling anyone with the same name as me, without regard to violating the Do Not Call Registry. 
Since I do not trust that XXXX will do what he says, I want all of this documented.
Product: Debt collection

Seeing as my information was exposed to the XXXX data breach. I decided to check my credit and turns out there it turns out it was some damages on my report and according to the fair credit reporting act, ( FCRA ) 15 U.S.C 1681