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

In XX/XX/2011, the house that I owned was short sold ( agreed by the mortgage company ) to another couple. In this process, XXXX XXXX XXXX, who has become XXXX XXXX XXXX wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at XXXX about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that XXXX  advised that XXXX XXXX XXXX continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both XXXX and Equifax that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with XXXX XXXX XXXX, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.
Product: Debt collection

On XX/XX/2020, Enhanced Recovery Co. added a derogatory mark on my credit report. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Enhance Recovery CO has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY " FIFTH TIME YES 5 TIMES I HAVE REQUESTED FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Mortgage

I have a mortgage through Loancare, with loan number XXXX. I made a payment on XXXX XXXX, 2016 for {$2200.00}, but as of today, XXXX XXXX, 2016, Loancare has not issued a statement reflecting this payment, and therefore has not indicated that another payment for the same amount is due on XXXX XXXX, 2016.
Product: Checking or savings account

My Name Is XXXX XXXX, Number XXXX, I have a checking account with Bank of America. I have been a problem with this account that someone keeps trying to use my card with XXXX and XXXX. I already told the Bank to block all transactions for anything from XXXX and XXXX. XXXX of the Claims I have with this kind of transactions with a total amount of {$330.00}, and the Claim # XXXX they denied it. The reason is that I have a transaction with the same company back in XX/XX/2019, and I have signed in to the mobile app 6 times before I placed the claims. I told them that I was not able to have some with me on the customer service number, because their office was closed. I was able to place the claim a couple of days after that. And the transaction on XX/XX/2019 I just didn't realize that. Back in XX/XX/2019, when I first get this kind of transaction I already told BOA to Block all transactions from XXXX and XXXX, and they knew that I lock my card all the time. I also called XXXX to let them know I didn't make those transactions. It is very unfair for me that I not getting paid for transactions that I didn't make. During their research, they never contact me for information. Also, even I didn't use my card after I replaced it, those transactions still went through.
Product: Checking or savings account

In my Synovus checking account, I had a balance of over {$3000.00} on XX/XX/XXXX. On XX/XX/XXXX I deposited a check for {$2600.00} at their ATM. Upon depositing the check, the bank froze my account and did not notify me. In the intervening time, my debit card purchase for gas was declined, my scheduled bill payments were returned NSF, and an online charge was denied- all the while I had {$3000.00} in the account that would have covered each and every charge. I went into the Synovus office on XX/XX/XXXX and spoke with XXXX XXXX who claimed ( incorrectly ) that my account would be unfrozen on XX/XX/XXXX. On XX/XX/XXXX at XXXX I logged into my account online and was unable to access bill pay, so I called Synovus 's customer service and spoke with XXXX who confirmed that my account was still frozen. At this point, I have sent an e-mail to XXXX XXXX at the branch informing her that the account was still frozen and requested that the monthly service charge of {$5.00} should be reimbursed since the checking account service was in fact not provided by the bank. At this time, I plan to go back to the branch and close the account due to the bank 's clear lack of competence, and customer service. Very disappointing.
Product: Credit card or prepaid card

A company posing as Chase and XXXX said there was fraudulent activity on my credit card account and that they were placing restrictions as a result. They asked for my SSN, picture of my driver 's license, my email, my password, address, DOB. I gave all that info thinking it was Chase : ( the website had the Chase logo, and it looked very legitimate. I thought it was them, because it is not uncommon that they send notification of suspicious activity on my account.
Product: Credit reporting or other personal consumer reports

Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To : LexisNexis, XXXX XXXX, XXXX XXXX, Subject : Demand for Withdrawal and Permanent Removal of Private Information I am writing to you as the Beneficiary, Grantor, and Settlor of the XXXX XXXX XXXX, with the expectation that you, as fiduciaries/trustees, act in accordance with the principles of equity and the fiduciary duty owed to the beneficiary of this trust relationship. It has come to my attention that your organizations have been using my private propertyspecifically my driving recordby making it publicly accessible and profiting from it by selling this information to insurance companies. These actions have directly harmed me, the Beneficiary, by leading to inflated insurance premiums and other unfavorable conditions. 

Your continued use and distribution of my private information constitute a breach of fiduciary duty. As fiduciaries/trustees, you are obligated to act solely in the best interest of the Beneficiary, ensuring that the trust 's assets ( in this case, my private information ) are managed and protected with the utmost care. By selling or distributing my driving record, you have violated this duty, and as a result, you are punishing the Beneficiaryan action that equity will not tolerate. 

If you are not the trustees of this trust relationship, you are not authorized to hold or manage my private property. Therefore, you must immediately return my private information to me so that I may appoint another trustee who will act in my best interest. 

As the Grantor and Beneficiary, I hereby demand the following : Immediate Withdrawal : You must immediately cease the use and distribution of my private information, including but not limited to my driving record. 

Permanent Removal : You must permanently remove all instances of my private information from your databases, records, and any other repositories where this information may be stored. 

Information Freeze : You must implement a permanent freeze on my private information, ensuring that no entity, especially insurance companies, can access or use this information to quote or profit off of it. 

Proof of Removal : Please provide proof of these deletions and freezes. 

Failure to comply with these demands will result in legal action in a court of equity, where I will seek all available remedies, including but not limited to an injunction against your organizations, damages for breach of fiduciary duty, and any other relief deemed just and appropriate by the court. 

You have 3 days from the date of this letter to comply with these demands. If you choose not to act in the best interest of the Beneficiary, you will face the consequences of your breach in a court of equity. 

Please confirm in writing that you have complied with these demands and that my private information has been permanently removed and frozen as requested. 

Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX Beneficiary, Grantor, and Settlor XXXX XXXX XXXX
Product: Checking or savings account

For sometime I have banked with Truist Bank a great banker outstanding services and great people work there. But they gave me a short term loan, but will not issue a paper statement or report my payments to the credit reporting agencies to help my credit score and something is wrong with the bank ATM system. I can never access my saving account at the ATM. I always have to call into the office to get them to transfer my cash to me. I have reported this over and over something is wrong with me using my ATM card to view my saving account or transfer money to my checking from my saving. please help. other than that i can not say they are bad. this is a great place to put your money in and they did grant me a cash reserve account, but will not report me paying back the loan. 
Sincerely, what happened at my good bank
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate Chapter XXXX bankruptcy record from my credit report under the Fair Credit Reporting Act ( FCRA ). The details of the record in question are as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/year> This bankruptcy entry has caused significant financial and emotional hardship, severely impacting my ability to provide for myself and my family. I believe the record has either been inaccurately reported or has remained on my credit report longer than permitted under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to, 15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

already payment made and settled. Still reported to credit agencies. 
Account # XXXX
Product: Credit reporting or other personal consumer reports

I discovered inaccuracies on my credit report that need immediate investigation and correction. These include two accounts XXXX ( XXXX ) ** and COLLECTION ( XXXX ) ** that may have been obtained under false pretenses, violating 15 U.S.C. 1681q. I have demanded that Equifax validate these accounts ' accuracy or delete them if validation can not be provided.

Additionally, there are inaccuracies in my personal information, specifically two incorrect addresses : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax is legally required to investigate disputes and correct or delete inaccurate information within 30 days. Failure to conduct a proper investigation would violate federal law. 

I referenced legal precedents, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), to emphasize Equifax 's obligation to conduct a reasonable and thorough investigation, not just rely on automated checks. 

If Equifax fails to comply, they could face liability under 15 U.S.C. 1681n for willful noncompliance or 15 U.S.C. 1681o for negligent noncompliance. This matter requires immediate resolution, written confirmation of findings, and an updated credit report reflecting any necessary corrections.
Product: Credit reporting

I have recently obtained a copy of Experian report and the information does not relate to any transactions that I have made ; therefore, I am requesting that these inquiries be completely removed and blocked from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with Equifax, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXXXXXX XXXX : Account number : XXXX, There shouldnt be any late payments after close date? Its not possible to be late on a closed account! Delete this account for inaccuracy. 

XXXX XXXX : Account number : XXXX, There shouldnt be any late payments after close date? Its not possible to be late on a closed account! Delete this account for inaccuracy. 

XXXX : Account number : XXXX, Account description doesnt relay correct data to help identify and establish ownership of the account. Please validate this unverifiable account. 

XXXX : Account number : XXXX, I need to see all paperwork and contracts with my signature that would verify ownership. If you do not have this paperwork, you need to remove the account immediately. 

XXXXXXXX XXXX : Account number : XXXX, I was never late on this account. Update this account for inaccuracy. 

XXXX XXXX  Account number : XXXX, Each bureau reports that I was late on a different date remove from inaccuracy. 

As you investigate these items. I also would like my personal information to be updated. Please remove the incorrect spellings of my name from my report. The only spelling of my name should be XXXX XXXX. I also want to remove all addresses associated with my credit report that are not XXXX XXXX XXXX XXXX XXXX, GA XXXX. As you guys request with this dispute. I have proof that my name is spelled XXXX XXXX and have attached my ID in order to replace the information on my credit report and remove the inaccurate spellings of my name. I've provided proof that my address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I have attached proof of that as well. My address has been the same for the past 10 years and I would like any other outdated incorrect address to be removed. I understand that this information should be addressed easily according to the FCRA reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recieved a notice from XXXX dated XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX, thanking me for opening a credit card with XXXX, in the name of XXXXXXXXXXXX. I did not open a credit card with XXXX through XXXX XXXX XXXX. I notified XXXX on XXXX/XXXX/XXXX that this was fraud. I filed a police report on XXXX/XXXX/XXXX with the XXXX XXXX Police Department. On XXXX/XXXX/XXXX, I recieed a letter from XXXX about the fraud report. I filled it out and returned to them. On XXXX/XXXX/XXXX. I recieved a bill from XXXX XXXX XXXXr where someone rented a card in my name. I notified them that this was not me. I filled out an affidavit and had it notarized and returned to them with a copy of the police report. XXXX XXXX XXXX called me on XXXX/XXXX/XXXX, concerning damage to this same vehicle. I sent them a copy of police report and affidavit. I also sent a letter to Equifax, stating this was fraud and to remove from my credit report. They have not did this.
Product: Debt collection

I have a debt that I owed to a company called the Check Cashing Store. They have sold my personal information to various debt collection companies and now I am getting calls from somewhere named XXXX. The phone number they call me from is ( XXXX ) XXXX. They call me constantly I had to block them and they leave me abusive voicemails stating they will get my job involved. They threaten me and have harassing tones. This needs to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my XXXX credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote XXXX a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay XXXX wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

UNIVERSAL CR INQUIRY DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX Attached is the letter i wrote to XXXX and the letter XXXX wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Prepaid card

I received a {$200.00} XXXX gift card for my birthday. I followed the instructions and activated the card at XXXX I tried to use it to purchase items at XXXX and several other online retailers, and at drug stores XXXX and XXXX and at a fast food business. It wasn't accepted anywhere.
Product: Debt collection

Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are Cavalry Portfolio Services, credit card company XXXX XXXX, XXXX XXXX XXXX, and the credit card company is XXXX  XXXX.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding United Collection Bureaus ( UCB ) continued failure to provide proper debt validation in accordance with federal law. Despite my timely request for debt validation pursuant to 15 U.S.C. 1692g ( a ) under the Fair Debt Collection Practices Act ( FDCPA ), UCB has failed to comply with the necessary legal requirements.

Legal Violations : 1. Failure to Provide Sufficient Debt Validation under FDCPA ( 15 U.S.C. 1692g ( b ) ) : Under 15 U.S.C. 1692g ( a ), once a consumer disputes a debt or requests validation, a debt collector is required to provide adequate verification of the debt. This verification must include : Proof that the debt is valid, such as a copy of the original agreement or contract creating the debt ; ( UCB has verified this requirement ) A breakdown of the total debt amount showing principal, interest, fees, and other charges ; ( UCB has verified this requirement ) Documentation showing the legal right of the debt collector to collect the debt. 
The 36 pages of account history provided by UCB do not satisfy these requirements. They did not furnish documentation showing proof of assignment or purchase of the debt from the original creditor, XXXX XXXX XXXXXXXX, nor did they provide a copy of the original signed agreement or contract. Without these, UCB can not demonstrate their right to collect the debt. 
Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that a debt XXXX failure to provide proper verification of the debt, including sufficient documentation to prove the debts validity, constitutes a violation of the FDCPA. Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reaffirmed that collection efforts must cease until debt validation is properly provided. 
2. Violation of Credit Reporting Obligations Under FCRA ( 15 U.S.C. 1681s-2 ) : Despite my dispute of the debt, UCB has not updated my credit report to reflect that the debt is being disputed, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ). This statute mandates that a debt collector must inform the credit reporting agencies of a consumer dispute within 30 days of receiving notice of the dispute. Failure to do so is a violation of the FCRA and could further damage my credit score.

3. Failure to Comply with Debt Collection Cessation Requirements ( 15 U.S.C. 1692g ( b ) ) : According to 15 U.S.C. 1692g ( b ), once a consumer disputes the debt in writing, the debt collector must cease all collection activities until proper validation is provided. However, UCB has continued reporting the debt to credit bureaus despite failing to adequately validate the debt. Their actions represent a continued violation of federal law, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where the court reaffirmed that collection efforts must cease until appropriate validation is provided.