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

Hello, I am XXXX XXXX In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts aforementioned : XXXX XXXX, account number - starting with - XXXX XXXX XXXXXXXX, account number - starting with - XXXX Department of EDXXXX, account number - starting with - XXXX. The concerns for this acct. are the late payments in XXXX of XXXX XXXXXXXX XXXX, account number - starting with - XXXX XXXX XXXX  XXXX XXXX account number - starting with - XXXX XXXX XXXX XXXX account # unidetermined - the debt has been paid, please remove this account XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX XXXX XXXX, account number - starting with - XXXX 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 an 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 or 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. 

Thank you for reviewing my request, please confirm you have received it, and will delete these accounts within 30 days. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX XXXX XXXX XXXX
Product: Debt collection

You are now put on notice again to stop all collection activities and reporting. I am revoking that now. 
My demands are as follows : For account # XXXX To provide me with the audit trail which included 1. Account File 2. Ledger 3. All accounting documents 4. All transactional history 5. True Invoice- Not Statements Please be sure to provide everything demanded in this notice. If you are unable to provide the demanded information you must delete these accounts immediately. If you fail to communicate to the consumer reporting agencies that this debt is in dispute, that would be a violation according to 15usc 1692e ( 8 ) false and misleading representation. The law is very clear as to the civil liability and the remedy available to me, according to 15usc 1692 ( k ). Furthermore more failure to honor this requested demand will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained.

Please be aware that freezing this account has not been updated to my credit report.

You have 14 days to reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Product: Credit card or prepaid card

I have a closed paid in full shop your way master card Account showing on XXXX an XXXX Credit report not XXXX credit report.. 

Why was this removed from my XXXX  report
Product: Credit reporting

After 2.5 months of complaints, Experian finally sent me my report today, XXXX. 
The report contains wrong information, which caused my credit applications to be denied. 
More specifically, Experian lists a credit inquiry, under results of action I took, shared with others, which doesnt belong to me : XXXX Id # : XXXX Date : XXXX XXXX, 2015 I never applied for any credit with this party, never heard of them before, do n't have any collections on my name, past or present, and I was actually living XXXX in 2015, and for 10 years before that. 
Due to Experian 's incompetence, I was denied credit as documented in my first complaint, and was unable to obtain auto insurance to get to work for 3 months.
Product: Credit reporting or other personal consumer reports

This collection company claims that I owe a fraudulent debt that they purchased from the original creditor. This debt was already charged off as a bad debt, yet I have not received a 1099c for the cancellation of the debt from the original creditor. I reported this debt as fraud and have attached the FTC identify theft affidavit and the police report as well. I am asking for the third time for this fraudulent debt to be removed immediately. The collection company never notified me of them taking over this fraudulent account. Otherwise, I would have provided them with proof of the fraud that has occurred with the handling of this account. I reported the fraud to the original creditor as well. Please remove this XXXX, fraudulent, unverified, defamatory, misleading, credit hurting account immediately. You are on notice and i expect that this account be removed deleted or whatever the XXXX needs to happen to get this XXXX off of my XXXX  credit report. You XXXX XXXX XXXX need to stop playing with me before I take this matter to litigation for the repeated harassment that is being directed towards me because Im a minority. If I was some XXXX  XXXX this XXXX woulda been removed let alone sold to a unknown third party without acknowledgment or consent. Yall better stop with the XXXX. Where the XXXX is the signed agreement with my signature. I bet there isnt one.
Product: Mortgage

XXXX XXXX of Fairway Independent has been unresponsive for months and made it difficult for me to get clarification on questions I have regarding the refinance. After contacting multiple people and expressing my frustration I finally got a few answers to questions I had. I was then directed by XXXX to skip my XXXX payment and that wed close the first week of XXXX. My refinance happened and I have received a late payment notification and threat from XXXX if the mortgage is not paid. I reached out to XXXX for clarification and have been ignored. He is now messing with my finances and credit. This is unacceptable. I have contacted him weekly since XX/XX/XXXX and received zero response.
Product: Credit card

I WENT TO USE MY CREDIT CARD AT SEARS AND THEY CUT THEM UP BELITTLING ME,. AFTER OVER 50 YEARS OF GOOD CREDIT THEY CUT EM UP IN FRONT OF ME BECAUSE I DIDNT USE THEM FOR A WHILE, PAID CASH. THAT IS HOW THEY TREAT A OLD VALUABLE CUSTOMER! I WILL NEVER SHOP ANY OF THEIR STORES OR AFFILIATES AGAIN.
Product: Credit card or prepaid card

In XXXX I signed up for a Barclay Cards XXXX XXXX branded card as I knew I would like to travel and accumulate miles through either paid travel or through the use of their milage program. I also signed up for the XXXX XXXX XXXX XXXX card a few months later. I've been a loyal customer of both banks for the past 6 years, never once any issues with paying the accumulated debt. I had built up over XXXX miles with XXXX XXXX through various means which included normal spending on the 2 banks credit cards, opening a checking account, etc. In late XX/XX/XXXX my XXXX XXXX account was frozen, in XX/XX/XXXX I received an email from XXXX XXXX that my account was not canceled and all of the miles I had worked to earn was gone. I have since closed my XXXX XXXX  accounts as they are pointless to have and tie up available credit. The Barclay Cards account is still open and I was going to close it once I had paid off the balance. However, I'd like to know if there is anything that can be done to have my XXXX XXXX restored. I was trying to buildup the miles to use in my retirement and now I have nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts/items. XXXX XXXX XXXX. Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. 

I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Product: Mortgage

I checked my mortgage account with Mr. Cooper and saw that my mortgage had gone up and my escrow balance was in the negative. They force purchased insurance on my behalf even though I pay for my own home insurance out of pocket annually. 

At no point did Mr. Cooper call me, email me, send me a letter, or an email informing me that they seem to have misplaced my insurance information and need me to submit it. They just force purchased super expensive insurance, billed me for it, and hoped I wouldnt notice. 

I have reached out via phone and can not get ahold of a human being to insure these charges are reversed. I can submit my updated mortgage info, but there isnt any assurance that I will be refunded the money they stole, only that eventually I will stop being billed for the insurance they took out.
Product: Debt collection

Company refuses to take fraudulent information down and has been harassing me with nonstop phone calls after already agreeing to remove fraudulent information. Legal action has been taken.
Product: Mortgage

A XXXX party authorization, signed by the homeowners is within the attached NOtice of Error. 
Ocwen has obtained forced placed homeowners insurance even though they have been shown repeatedly that the homeowners have compliant insurance in place. Worse, Ocwen is collecting escrow and PAID the premium on the homeowner chosen hazard insurance, which is proof they KNOW lender placed insurance is inappropriate. Payments for the homeowners ' chosen hazard coverage, and the lender placed insurance are both reflected on a single escrow statement. As noted in the NOE, the homeowner provided proof of insurance coverage in XXXX or early XX/XX/XXXX, I faxed proof again in XX/XX/XXXX. Nevertheless, in XX/XX/XXXX, Ocwen obtained lender placed insurance. 
A Notice of Error has been filed, and is attached here. So far, Ocwen has not acknowledged the NOE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into initial agreement to repair credit. CS Rep said she would forward copies of letters sent to creditors but I did not receive. Agreed to make monthly payment with an option to cancel. When I wanted to cancel i was unable to reach anyone at Lexington law except for new customer intake. I called numerous times and waited on hold for hours. Payments made XXXX and XXXX were charged back by my financial institution. No repairs were made to credit.
Product: Credit card

I made two payments to Capital One and those payments were debited from someone else 's checking account. I called to ask when this account was added to my account. They could not tell me. This checking account did not belong to me. There has never been a record of my account being paid from this account. Yet they could not provide me with an answer of why my payment had been taken from this account. This in my opinion is some type of fraudulent transactions on my account, yet they could tell me nothing. Their only solution was to credit the account the money had been taken from by " mistake '' and then debit from my original checking account that has always been used to make payments from. They suggested that I change my login information. I only hope the person whose account was mistakenly withdrawn from did not suffer any hardships.
Product: Debt collection

Santander consumer USA said I owe XXXX for a car that I dont have. 


It was ) XXXX and then they said {$10000.00} but I do not own the car and they know I cant apply for another vehicle without this fraudulent car paid off.
Product: Vehicle loan or lease

I am writing to formally submit a complaint against First Citizens Bank regarding predatory lending practices that have put me in a financially devastating situation. My name is XXXX XXXX, and I obtained a {$67000.00} truck loan from First Citizens Bank. Despite diligently making payments for two years, I recently discovered that my loan balance has inexplicably increased to {$88000.00}. 

The bank claims that I owe over {$20000.00} in fees, and they continue to add late fees on top of this amount. Shockingly, none of my payments have been applied to the loan 's principal. I have asked the bank for a traditional loan, but instead, I am now facing what appears to be fraudulent and predatory loan terms. The bank is threatening to repossess the truck, which is essential to my XXXX XXXX XXXX XXXX XXXX XXXX further jeopardizing my financial stability. 

This situation has caused me significant emotional distress and financial strain, and I believe that First Citizens Bank 's practices may violate federal laws protecting consumers from unfair and deceptive lending practices. I respectfully request the CFPB 's intervention to investigate this matter and hold First Citizens Bank accountable for any violations.

Please advise on any further information you may require to process this complaint. I appreciate your immediate attention to this serious issue.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a grave matter concerning Equifax, one of the leading credit reporting agencies, and their ongoing disregard for consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I received yet another letter from Equifax, this time requesting further verification of my identity. This demand comes in the wake of numerous attempts on my part to resolve a persistent issue with my credit report. Despite my repeated efforts, Equifax has failed to provide a satisfactory resolution to my concerns. 

The consistent delays in Equifax 's responses and their repeated requests for additional verification are not only deeply troubling but also indicative of a systemic issue within the company. It is evident that Equifax is intentionally stalling and prolonging the resolution process, thereby infringing upon my rights as a consumer under the FCRA. 

As a consumer, I rightfully expect Equifax to adhere to the principles of fairness and transparency mandated by the FCRA. Their repeated failure to do so constitutes a serious violation of consumer protection laws and warrants immediate intervention. 

I implore the Consumer Financial Protection Bureau to launch a comprehensive investigation into Equifax 's practices and take swift and decisive action to hold them accountable for their actions. Equifax must be compelled to fulfill its obligations to consumers and rectify the injustices it has inflicted upon countless individuals. 

Furthermore, I request your assistance in expediting the resolution of my complaint with Equifax and ensuring that appropriate measures are taken to prevent similar occurrences in the future. 

Enclosed with this letter are copies of all relevant correspondence, including the letter from Equifax dated XX/XX/2024, and my previous complaints to Equifax. 

Thank you for your urgent attention to this matter. I trust that you will take the necessary steps to address this issue promptly and restore confidence in the integrity of the consumer credit reporting system.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. Previously, I've made attempts directly with them to fix these issues and they are violating my rights. I demand they either pay me in the amount that I am entitled to which is {$1000.00} for every violation I listed or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX     I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX  . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in   XXXX   day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
Product: Money transfer, virtual currency, or money service

I tried to transfer money to myself and my brother while visiting overseas. Xoom kept cancelling. I called Xoom multiple times as instructed in their cancellation emails. I even provided them my copy of US passport and my bank statement. Xoom said that you have fulfilled our requirements but we still can't help you.

I tried again last night and still same issue. When I called them this morning the Xoom representative could not give me a satisfactory answer. I asked them to escalate it to someone who can either resolve or give me a valid reason. I am still waiting.
Product: Credit reporting

Equifax , after leaving me on hold for 2 hours, simply hung up on me when I asked for a supervisor
Product: Money transfer, virtual currency, or money service

Bank transfer sent by SEPA payment to Coinbase on XXXX XXXX 2017, my account has still not been credited
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy. 

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers ( myself ) written instructions or consent. 

The above account is paid in full and confirmed by lender to be CLOSED and in good standings. 

XXXX, XXXX and EXPERIAN have furnished inaccurate information on my credit file. I have disputed this account several times with all parties. Each time it came back as UPDATED. I contacted the lender after each update and verified that the information is inaccurate. I have the right to an account credit file/report. Please remove and delete this inaccurate information and account from my credit file.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170000.00} - Late/open XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX $ - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX : {$0.00} - Late/closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$46000.00} - Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

account is closed and is still showing on my credit report