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

RE : Notice to Reverify Credit Report Dear Experian, Please consider this as a second request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 168XXXX of the Fair Credit Reporting Act of 1997. As required by the XXXX, I demand that you reverify each of these items below, and that the inaccurate items be deleted from my record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the method you use to verify them, the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am 100 % XXXX veteran, the va is going to take responsibility for all medical bills. I have already notified all companies of that information yet they still come after me.
Product: Debt collection

On the morning of XX/XX/2018, I received a call from XXXX XXXX XXXX concerning my many-years-estranged sister who lives in another state and, allegedly, wrote a bad check. She confirmed MY personal information to me ( my name, address, several other previous addresses as well as my parents full names and info ) before informing me that myself and my parents are co-defendants in the case against my sister writing a bad check to what appears to me a personal loan company and that there would be arrest warrant sent out for her and that she had to contact them by XXXX. I asked whether my mother, father and I would be liable for my sister 's alleged issue and she said that we were co-defendants but that we would be dropped off of the case if and when my sister or her attorney contacts the business. I was not asked for money or for my sister 's information, only to pass along the information to my sister. I am not sure whether they are looking to scam her, scam me or if this is a true issue, but this was definitely threatening and felt illegal as I know I have nothing to do with the matter at hand and was named as a " co-defendant '' unless my sister contacted them. And they have all of my personal information, my sister 's information ( including her social security number ) and I don't appreciate my parents being threatened or accused of illegal behavior. I understand debt collectors have to do what they have to do but that was HIGHLY inappropriate. To the service rep 's credit, she was polite and gave me all the info on the matter that I requested. I don't believe it was a matter of the rep mishandling the case but overall shady business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a account for XXXX XXXX through Experian and I received report number and was gave a number to call to review the dispute. The lady I spoke to knew nothing about the dispute and I explained to her that it was done and I have the report number and I also attached my discharge papers with it. She still asked if I want to file a new one and I went ahead and did that because she kept arguing with me that I did not file a dispute because it wasnt showing and she wanted nothing to do with the report number I had also that was gave to me through Experian. This has us on hold with our mortgage company and Im upset because she didnt want anything to do with the report number the company gave me to use when I called them
Product: Credit reporting or other personal consumer reports

This collection account has an OPEN status and that is a violation, because a collection is by default a closed account. Delete this account due to inaccurate reporting. 
XXXX XXXX XXXX
Product: Debt collection

I have a debt collection reporting on my credit that is not mines. It appears to be from an auto loan that I did not authorize nor give permission to anyone else. I have never financed a car through this particular lender.
Product: Mortgage

I bought this house XX/XX/XXXX with a company called XXXX XXXX but all of a sudden we started getting bills XX/XX/XXXX without being asked or shown updates from Flagstar bank Fraudulently because I personally never applied for refinancing nor anything else. Even new deed paperwork from what the two companies did needs to be revealed in writing to me and the opportunity to decline and just pay the city of XXXX XXXX Virginia until the matter is resolved. I think this kind of XXXX XXXX pyramid has been going on and we need laws to cover consumers truly. I met people in person when I purchased this house. I don't know anything about Flagstar bank except it appears to choose people they figure can't win their methods of dishonesty. Please I don't even know what it will take other than suing them for millions of dollars to help others get from the scandals and scam. Please tell me something else- legally as I talk to you. I owe them no explanation for what I want since they're not explaining to me how they chose me. And during Covid they can't even threaten foreclosure especially when I write checks but included XXXX XXXX information to cover my integrity as an XXXX Veteran and XXXX XXXX  XXXX XXXX employee from XXXX XXXX on XXXX XXXX for over XXXX yrs and by the GRACE of XXXX healing properly from an accidentally given XXXX XXXX XXXX given to me at a local hospital, so if this is take advantage people please don't let them get away with it. I've did all my life required as well now why can't I just live affordably on my pension til I die and the real mortgage company is responsible for the outcome if not paid in full. As Flagstar bank is proven corrupt I want my deed stamped and certified my ownership by their default criminal act. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/CLOSED ) XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; ( CHARGE-OFF ) XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), I revoke all Authorization, I may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per 15 USC 6802. I also opt out pursuant to 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974 and 16CFR313.7f which clearly states f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Under 16CFR313.7g1 - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 1 ) ALL HARD & SOFT INQUIRIES -must be removed as they are NOT open accounts per 15 USC 6801, I also invoke the PRIVACY ACT OF 1974 & 15 USC 1681 ( b ) - Permissible purposes. I also opt out of reporting all soft/ hard inquiries under 16CFR313.7f and further exercise my right to deletion. 2 ) TRANSFERRED LOANS/SOLD DEBT/ CHARGE OFFS Per the IRS Any charge-off is a Certificate of Indebtedness and therefore considered income and income can not be reported. See XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Pursuant to 15 USC 6801-It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. ALL TRANSACTION HISTORY AND ANY INQUIRIES MUST BE DELTED FROM THE REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY/ NON-PUBLIC INFORMATION. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED/PAYMENT CURRENT AND ALL HARD/SOFT INQUIRIES MUST BE REMOVED. XXXX ) ALL OUTDATED AND INACCURATE INFORMATION AS DISPUTED IN REPORT WITH REF # XXXX. XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted. INDIVIDUL NAME SHOULD BE FULLY IDENTIFIED BY ONLY ONE NAME XXXX XXXX XXXX ( First, Middle, & Last ) AND ONE MAILABLE ADDRESS ONLY CAN BE ON FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX
Product: Mortgage

I have received a significant increase of my monthly payment due to miss applied payments. I am considered to be totally and permanently XXXX due to my service connected XXXX. 

I receive XXXX County Property Tax exemption, which entities total tax exemption.

This error has occurred on a yearly basis, with this mortgage servicer. I made a request to remove taxes from Escrow however those request are ignored.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my bankruptcy from my consumer report. After a thorough review of my report, I have noticed that my bankruptcy, which was discharged on XX/XX/, is still being reported. 
Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information regarding a consumer 's credit history. In accordance with 15 USC 1681e, the information on my report must be fair, accurate, and current. As my bankruptcy was discharged on XX/XX/XXXX XXXX is no longer current and therefore must be removed. 
I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. 
I demand that this error be rectified immediately, and that my bankruptcy be removed from my consumer report. Please provide me with written confirmation of this removal, along with an updated copy of my consumer report. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. 
I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 
I trust that you will take this matter seriously and resolve it immediately.
Product: Debt collection

In XX/XX/XXXX, I checked my credit report and saw that XXXX XXXX XXXX was reporting that I owed XXXX {$200.00}. I contacted them by mail to validate the debt. They did not provide legitimate proof all that was provided was a final bill statement. I contacted CCS and asked the customer service rep how the debt was validated - she stated by name and address. 

I paid my final bill for XXXX when I switched over to XXXX on XX/XX/XXXX after my renewal premium with XXXX went it up. The only notice I got from them was for a renewal amount and that was to be paid if I chose to renew my policy with them. That amount was {$550.00} I joined XXXX on XX/XX/XXXX. 

So, I 'm at a lost as to how I owe XXXX/XXXX XXXX XXXX XXXX I did my part by contacting XXXX and letting them know that I wo n't be continuing service with them. If something was lost in translation during that time that 's not my fault as XXXX was the one who dropped the ball. 

I have statements for all my payments to XXXX and I 'm asking for full validation, because its been two years and XX/XX/XXXX was the first I 'm hearing that I owe anything.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$150.00} Chase magnet Card ending in XXXX This interest fee charge is from a {$2000.00} statement balance. 
The card company ( Chase ) was called three times today. Each time I got disconnected. They told me they have phone problems, and have been unable to explain why this charge is as high as it is. 
They told me they do not have a virtual chat i can take this further. Chase private client says i have to call back their card team. This is not working, and this interest payment seems to be about 8 months worth of interest for the given statement balance. 
Please take a look at this.
Product: Debt collection

I paid my debt off back in 2020. They said they would remove this off my credit report and they did and they put it back on a zero balance, I have called them several times and now they will not help me and simply don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and there have been someone trying to open an account in my name. There have been accounts that have been open in my name and it needs to be investigated and removed.
Product: Credit card or prepaid card

American Express canceled all of my credits cards and forfeited more than XXXX XXXX membership rewards points ( worth more than {$7000.00} ). I have discussed the issues with their credit department multiple times by phone and by mail, requested them to reinstate the cards with my willing to pay for the reinstatement fees, as well as requested them to reinstate the rewards points. But so far, they have refused to respond to my inquiries.
Product: Debt collection

I did n't even live at the  XXXX   XXXX   XXXX   (  XXXX , WA )  during the period that they 're trying to charge me for. It 's extremely obvious that I moved out on  XXXX   XXXX ,  2015 . Anyone that can read the " Move Out Statement '' that they sent me can read that my Lease was over and I moved out on  XXXX   XXXX ,  2015 . Yet somehow they 're repeatedly sending me bills for  XXXX   2015 ? Even after I 've notified you that your information was inaccurate and you were harassing me with incorrect information???   This is causing additional  XXXX  to me during a period that I am in and out of the hospital for  XXXX   XXXX . I do n't owe any money at all and was given multiple assurances from staff at  XXXX   XXXX   XXXX  of this in  2015   ( yet two  years later I 'm still being harassed, this is ENOUGH ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of identity theft I have 2 collections accounts on my report one XXXX  and the other XXXX that were open fraudulently in XX/XX/2017 I also have a bankruptcy thats reporting that was not done by me I have submitted all necessary documentation and also a police report these 3 items are effecting me tremendously Im trying close on a home and this is stopping me from achieving my goal. By law a dismissed bankruptcy do not have to remain on a credit report Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding instances of identity theft that have adversely affected my credit report. The personal information listed below pertains to accounts that I did not open, they are the result of identity theft. 
account listed are identity theft accounts Account Information : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. I did not open this account and did not give consent for its creation. 
Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
Account Information : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
Account Information : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
Account Information : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
I request your prompt assistance in investigating these matters and taking appropriate actions to rectify the inaccuracies on my credit report resulting from these fraudulent accounts. Additionally, I would appreciate guidance on any steps I should take to further protect my identity and prevent any future unauthorized activities
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a text message asking if i tried to make a transaction of {$500.00} at XXXX. I replied no as stated on the text, i then received a call from bank of america at XXXX. The caller asked me if i verified the purchase, I stated NO again then he asked if i could transfer my savings money so it will be protected. He give me the information on how to do it then advised me to add the name of XXXX, XXXX to the zelle transfer so he can start creating my new savings account. The first amount was {$2500.00} then another amount of {$180.00}, to clear the account and have money moved to a new savings account. After the transfer I called XXXX back to confirm my new savings account. The man over the phone stated this is XXXX XXXX as this is a new scam. The man stated he stopped the transfer and we opened a fraud case over the phone. I provided my phone records to BOFA as they requested additional information/documents. They denied the claim in XX/XX/year>. They refused to reopen it or give me any information on if the transaction was actually cancelled or what happened to the money. It been 3 years and they still refuse to help me this this case. After the 2 year mark they advised me they are close the case completely.
Product: Credit reporting or other personal consumer reports

I have sent XXXX XXXX XXXX XXXX lawful debt request affidavits which they have ignored.The dates are XXXX information that was requested was 1.Validation of debt ( the actual accounting ) 2. Verification of the claim against me ( signed invoice ) 3.Copy of the contract binding both parties ( me & XXXX & XXXX XXXX XXXX & XXXX is continuing report inaccurate information without been verified causing financial stress.Criminal acts of XXXX & XXXX XXXX XXXX XXXX breached all its fiduciary duties and is therefore GUILTY of criminal breach of trust by failing in it's good faith requirement 2.XXXXXXXX XXXX XXXX and others who profited from the ultra vires transaction are all guilty of unjust enrichment and fraud for deceiving the buyer ( me ) and for acting in concert In this joint endeavor to deceive the buyer ( me ) The four essential conditions of a lawful binding contract 1.Full disclosure ( I was not told I was creating the credit with my wet Ink signature ) 2.Equal consideration ( XXXX & XXXX ) brought nothing of value to the table and had nothing to lose ) 3.Lawful terms and conditions ( yours were based on fraud ) 4.The wet Ink signature of both parties ( corporations cant sign because they have no right or mind to contract since they are soulless legal fictions and furthermore no 3rd party can sign a contract on their behalf.More then 30 60 90 days has been giving for XXXX XXXX to rebut the affidavit and send documents neither has happen.