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

Please see attached Pursuant to 15 USC 1692g - validation of debts, these companies are in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. 

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). 

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I DEMAND that you delete ALL the accounts listed below IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to your guy before back in May about some things that was and two still is on my credit. At this point Im reaching back out because there are still two items and some inquiries that are not mine. I have contacted the FTC and police department. Please have these removed from my credit XXXX and XXXX and the inquiries are XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to just reach back out one more time.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter.

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my credit score and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request. 
Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report. 

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

According to the Family educational rights and privacy act ( FERPA ) and under 20 USC 1232 ( g ) ( b ) this agency is not permitted to under ( FERPA ) to have access educational records. When I enrolled in school I also signed a Privacy Act form that said the school will not provide my transaction history, which would be defined as what I owe, to any 3rd party companies. Per the FCRA and as federally protected consumer I demanded my student loans be removed under 20 USC 1232g ( b ) and under 5 USC 552a The Privacy Act of 1974. This a repeated attempt to remove this information from my consumer report.
Product: Debt collection

AFNI, INC. did not provide the proper documentation as requested and continued to leave their collection activity on my credit report.

During this validation period, Afni, Inc., actions was and still is detrimental to my credit reports. The information own my credit report was never validated or verified as being my account there is no provided proof that it is.

Afni, Inc., never validated my request within 30 days from the date they received my letter, all references to this account was never deleted and completely removed from my credit file and a copy of such deletion request was never sent to me. 

I am attaching the signed return card from the post office showing they received my request and had their full 30 days to validate this debt and they did not.
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. XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

They called frequently and at odd hours including weekends. They were rude and wanted information from me without telling me who they were. Asking for my private information. I was laughed at hung up on and talked down to for wanting to know who was calling me and why. I was cussed at also by them. They would n't help me with anything I have never received a paper letter from them saying I have a debt with them. They called from multiple numbers, if I answered I got a man who you could n't understand who then forwarded you to the company who asked why you were calling them. They are completely unprofessional and crazy. They think people do n't know the law and what they are allowed to do and not do. After I finally got to then and not hung up on I started quoting the law to which the manager laughed hysterically and told me to be quiet little gir ( I am not a little girl )
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE regarding Failure to fix error after unlawful investigation causing harm and injures to my mode of living, disgrace to my reputation and defamation of charactor. 

I am demanding ALL UNVERIFIED alleged accounts below removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from Equifax stating my dispute results were available online to be viewed. I attempted to login to Equifax to receive this and had to reset the password, which they sent me the link to change and then after resetting the password and attempting to login I get a message to call Customer Care at Equifax. So I do this call them and have to enter all my information in an automated system : social, phone number, date of birth , street address number and zip code. I then finally get sent to a representative who is foreign and can barely speak English. She  proceeds to ask me all the same information again and the dispute number from the email. She then asks me to verify who my mortgage is through. I told her I do NOT have a mortgage, she says, '' well then I can't give you the information because it says you do. '' I told her I don't I filed bankruptcy and it was discharged XX/XX/XXXX so I am not eligible for a loan! She proceeds to say well you need to send in your license. Have a nice day..What??? I three weeks before this unable to file a dispute online, filled out the form and faxed it to them with my license!!! 

I am getting the run around and can not get my updated credit report or dispute status. I have already sent the license and she did not even tell me where to send it AGAIN!!! She hung up on me. This is ridiculous that they have all the information but will NOT give me mine.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau XXXX ] [ Address ] [ City, XXXX, ZIP Code ] Subject : Request for Deletion Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX / XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX / XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX / XXXX - Account Number : XXXX Please investigate and delete from my credit report XXXX. 
Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXXXXXX XXXX XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Signature ] [ Your Printed Name ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXXXXXX XXXX Reported Balance of {$76.00} Balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reported Balance {$450.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reporting Balance {$180.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY
Product: Debt collection

have many collections on my credit file IRS said I should have received a 1099c because creditor received credit on their taxes and then sold debt. 'Why do the CFPB let a creditor write off a debt with the IRS and then sell acct for another collections company can collect off same debt ... double billing '. Try entering fewer or more general search terms. XXXX. XXXX XXXX XXXX ... .my has been bleached by XXXX and XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am filling a complaint with CFPB regarding Capital One failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cited technical issues, which may violate the electronic funds transfer act. As it requires timely access to funds. This situation rises concerns about consumer protection laws, and I require your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Vehicle loan or lease

Wells Fargo has repossessed my vehicle on XX/XX/XXXX, without notice, in violation of the CFPD Consent order XXXX and the US Office of Currency consent order of XX/XX/XXXX. 

I have not received any communication regarding this account since XX/XX/XXXX. No notice was sent prior to this action. Moreover, Wells Fargo has not fixed my account in regard to the consent order and under XXXX Emergencies XXXX. 

Wells Fargo has violated " Breach of Peace '' in regard to Maryland Law. Maryland Law requires to not breach the peace when repossessing a car. Cars parked on the street, in a driveway or in a public parking lot may be repossessed by the lender. However, if the car is housed inside a locked garage or gate, the lender may not enter by unlawful means to repossess the vehicle. My vehicle was housed in a locked garaged and Wells Fargo agent unlawfully entered the premises without notice unlawfully. Lenders may not repossess a vehicle unless there is an agreement in writing that clearly states the lender can repossess the vehicle if the debtor fails to make the agreed upon payments.

Wells Fargo continues to provide canned answers to appease the investigating agencies yet fail to act in coordination with consent orders entered. Wells Fargo acts in a manner above the law. 

In light of the Administrative Proceedings File # XXXX ; Wells Fargo Continues to bully consumers violating them for undue unjust enrichment by use of " Unclean Hands ''. This behavior is repulsive and severe enforcement must prevail in prevention of this untamed savage behavior. This behavior is so widespread, Wells Fargo has lost accreditation with the Better Business Bureau. Wells Fargo fails to correct their records and bring an end to this beastly behavior.

My account has been charged additional monies not agreed upon. Although I am a party of the administrative consent order. Wells Fargo is continuing the same behavior without respect to their consent order. They are stating checks have been sent to me in refund that have not ( see attached ). No replacement check issued.

I am utterly disappointed and disgusted over the ongoing and continued behavior. I have completed the amortization on the loan and found the additional principal payments were not applied as paid commencing from XXXX. Moreover, I have paid three times the interest amount which in itself constitutes Wells Fargo has reneged on the Consent Order. Wells Fargo had thugs and thieves break into a locked closed garage on Private property, unlicensed to be onsite, steal my vehicle under false manufactured numbers. Wells Fargo is in receipt of payments made which are not credited to my account.

The repossession of my vehicle is in immediate violation of the consent order and I request immediate action accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Effective XXXX XXXX, 2014, Selene Finance LP took over my mortgage loan from XXXX XXXX XXXX. Since this time and to current date, I have been in dispute with Selene Finance LP regarding my mortgage payments. It is still unresolved even after multiple attempts and providing them with the proof of payment. My last bank statement included a delinquent notice that I am late on my mortgage payment and that failure to bring my loan current may result in fees and foreclosure.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of this bankruptcy on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation. I do not consent to any fraud alerts being added to my file. I did not authorize, benefit from, or consent to any of the listed accounts from these companies. Please block and remove them immediately, as I have no knowledge of these accounts due to the XXXX and Experian data breaches. All matters will be investigated by the CFPB and FTC. According to FCRA 605B, this information must be blocked until the investigation is complete.
Product: Credit reporting or other personal consumer reports

I am in the process of buying a home and I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about my reporting. I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. I have highlighted all the discrepancies. Please remove this inaccurate information from all bureaus as you are in violation.
Product: Money transfer, virtual currency, or money service

I deplored {$XXXX} on XXXX investment app. As soon as my deposited cleared from my bank, they restricted my account so I am unable to transfer my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on my credit files does not match the authenticated accounts known to me. These particular accounts possibly derived from my information being stolen. Mentally and emotionally this has destroyed my sanity All I'm asking for the 3 major credit reporting agencies to remove and block these unknown frivolous accounts. 

1 ) XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$610.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX XXXX  XXXX {$70.00} 6 )  XXXX XXXX XXXX {$99.00} 7 ) Dept of ED/XXXX   {$31000.00} 8 ) XXXX/ XXXX 9 ) XXXX 10 ) XXXX  {$500.00} XXXX ) XXXX XXXX XXXX  12 ) XXXX XXXX XXXX XXXX   {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$7300.00} debt from XXXX I cant say this more emphatically, I have never had a XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Product: Vehicle loan or lease

I have contacted condor capital several times requesting that they send me a 10 day pay off amount with the 1 day perdiem and the payoff address. This has been ove r 2 weeks. They told me several time that it will only take 24 to 72  hours to receive the forms. I have yet to receive anything. I am trying to refinance my car with another company and they refused to provide the information. which is causing not to have to car refanance
Product: Checking or savings account

In accordance with the fair credit reporting act XXXX account numbers, Any and all accounts listed in your database. 


Has violated my rights 15 U.S.C 1681 section 602 A. StatesI have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Incorrect information is keeping me from opening an account.