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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a cosigner on a new XXXX XXXX XXXX that was traded in earlier this year. From my understanding the XXXX was being traded in during the month of XX/XX/XXXX or XX/XX/XXXX. The information i gathered from the actual borrower was XXXX  had the car and took longer to send in the payoff for the car than normal and Nissan reported the car as a late payment on the credit reports, which dropped our credit scores. 
Now being the co-signer I was never made aware of the late payment issue or missed payments, as there had never been an issue the 3 years the car was in the owners possession. I just so happened to get an alert saying my credit score dropped due to late payment, but the car was already traded in when it hit. I have contacted Nissan financial multiple times to be blown off and then told they don't have to inform the cosigner that a payment is late, but they are responsible for keeping up with the payments even if the car is traded in. I have tried to get them to remove this negative late payment from my credit report as I had no knowledge of the situation, but was told Nissan doesn't remove their remarks. The car was paid off a day after I seen my credit score drop and I just want this removed from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request XXXX  to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. I have never opened any of these. 

XXXX has already ceased all reporting of these fraudulent accounts, I am asking XXXX follow federal law and do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been educating and working on improving my credit scores in line with bank requirements for my new LLC 's credit lines. After a deeper review with TransUnion, I've encountered XXXX unauthorized and/or fraudulent hard inquiries. 

They are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I made 3 deposits into the Navy Federal Branded ATM with the first transaction being recorded at XXXX for {$2000.00}. The second transaction was recorded at XXXX for {$3800.00}. The third transaction was originally for {$1200.00}. The machine returned 3 - {$100.00} bills and then asked me to confirm a deposit of {$900.00}. The third transaction for {$900.00} was not accounted for in my account while my ATM Debit Card was inserted into the machine the entire time. 

I called the fraud department on XX/XX/XXXX and filed a dispute because they did not show the 3rd transaction on their end. I was told by the fraud representative that the atm was " full '' from the holiday and he advised that I should not use the atm machines for cash deposits. I submitted the dispute and was advised to go into the branch. 

I went into the branch the following week and spoke with XXXX, the assistant branch manager, who advised me he would check the camera footage and investigate into the matter. 

XXXX called me back to tell me he saw all the details on the camera footage and corroborated everything I said happened after he reviewed it. He stated he saw me perform each transaction, saw the money being returned and even made a comment about the stack of money being so small that there was no way it was {$900.00} that was returned, and that the atm count was correct so they didn't have my money accounted for. I asked to investigate the individual transactions. They will not confirm this has been done and every rep Ive spoken to does not know how to obtain the information. 

I was called back by a Supervisor named " XXXX, '' who is the XXXX person Ive had to speak with this far on XX/XX/XXXX. She advised me that the branch had looked into it and no money was recovered. She advised me that the branch manager, XXXX, had stated he wasn't able to see the camera footage clearly which is not what he had said to me before. I was told there was a " count out '' done on XX/XX/XXXX and Navy Fed is unable to confirm how that count was done because there is no notation on my account in regard to the process they followed to complete the investigation nor any other notation for investigating after this " count out '' was performed when I requested for this to be looked into further. 

I am on Navy Federal Camera footage completing three individual transactions consecutively. Two transactions are reflected on my account. Navy federal has concluded the investigation and is telling me there is no money and therefore can not deposit the money they can not find that I deposited into their branded atm at their branch location on XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.
Product: Vehicle loan or lease

My car was repossessed at XXXX, no action can be taken on my part until XXXX as their offices are closed until that time. This is a blatant misuse of power aimed at forcing a consumer into accruing tow fees, impound fees, and in my case auto body damage caused by the tow service and tow yard. I also have now needed to spend additional money on XXXX  in order to get my car back out.
Product: Debt collection

I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. Already reported to MIDLAND CREDIT MANAGEMENT that the account was not mine.
Product: Checking or savings account

I had placed a mobile deposit of my payroll check with my cell phone. Wells Fargo had sent me an email saying that my deposit would be delayed. Because it was a mobile deposit I did not think much about it and checked my bank the next day. Funds were not available and the deposit was showing as being held. I called Wells Fargo customer service to inquire and they told me that they had reported my mobile deposit as potential fraudulent activity and that my own funds from my paycheck would not be available for 7 to 10 days. There was nothing that would have indicated the check was fraudulent. The check was made out to me and Dorst by me and was from my work. Now I will have no paycheck for 3 weeks since I am paid bi-weekly. How am I supposed to live and pay my bills? Nobody at Wells Fargo could help me or cancel the deposit and it seems unscrupulous than I am being held hostage by a financial institution. I have no recourse and nothing that I can do.
Product: Credit card

I have had a Home Depot credit card for months and I have NEVER USED IT. My Credit is in good condition, much better than when I applied. Today I get a letter stating that my limit had been decreased due to numerous lines of credit. When I contact Home Depot ( CITI ) they tell me the reduction was based on information stating that I have accounts that are delinquent. In the letter it states too many credit accounts. On the phone they say deliquesces. I do not appreciate being treated this way by Home Depot or Citi Corporation. When I call to speak to a supervisor I was refused. XXXX XXXX XXXX number XXXX refused to find a supervisor on demand. He refused to find a manager, he refused to attempt to locate a supervisor or manager. I have worked hard to see that my Credit is clear of derogatory information. Home depot is violating my rights to information regarding my status and fair credit decisions. I requested verification and was referred back to XXXX. I know better than to trust them. The Citi letter offers incorrect information and the credit line reduction is not justified based on an automated system that is programmed to slash credit lines for good customers. My credit card accounts are not a reason to lower a limit " BAD ACCOUNTS ARE ''. Failing to make payments are good reasons but since my payments are always on time, so this reason is not valid. Since I have never used the home depot card I find it difficult to justify my reduction. I need proof from the creditor as to why this account was adversely affected without ANY USE AT ALL. It is my intention to place this information on XXXX and XXXX for the world to know just how Citi and Home Depot treats its customers. I have credit cards and that is not a crime. I pay them on time and that is not a crime. I want this account re established and left alone. It is not right that Citi and Home Depot can negatively affect my credit score and provide incorrect reasoning via letter. Good thing the calls are recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I accepted a loan from Altas Credit Co. , Inc. for {$500.00}. In XX/XX/XXXX, I checked my credit report and saw that there was another account opened by Atlas Credit Co., Inc. in XX/XX/XXXX for {$730.00} without my knowledge or consent. When I called the XXXX, TX Office, I was told that I was sent a refinance offer on my loan in the mail and even though I never responded to the offer or came in to sign a contract and pick up the money, the account was opened. At that time, I was told that they would close the account, but they would try to get it off my credit report and I should also dispute the account with the credit bureaus to get it removed. After checking my credit report today, I noticed that this account is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX is reporting an old alleged debt that has been previously invalidated and removed from my credit. They claim to be the holders of 2 accounts ; Original Creditor " XXXX XXXX XXXX XXXX '' Amount Owed : {$2200.00} Account # : UNKNOWN Original Creditor is ; " XXXX XXXX XXXX '' Amount Owed : {$9700.00} Account # : UNKNOWN both these accounts were never validated after a lawful request, Specifically, EQUIFAX and XXXX are violating my rights under the following FCRA laws ; 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. 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. It is unlawful to reinsert accounts previously deemed invalid onto my credit report just because a new DEBT COLLECTOR/DEBT BUYER has acquired and is reporting the exact same debt. The CRA is required to reinvestigate and verify the information before reporting it. This repeated insertion of these invalid accounts are causing me financial as well as emotional damage as I have been denied a mortgage. I have been rendered XXXX for the last 30 days because of this. ''
Product: Mortgage

I would like to sell my house, that I purchased in XXXX, for {$210000.00}. I requested a payoff amount and according to SN Servicing Corp., the balance due is more than {$210000.00}. After 18 years of payments, how can my balance be more than my purchase price? In XX/XX/XXXX, the mortgage servicer ( XXXX XXXX ) sent me and the IRS documentation that stated my mortgage balance was just over {$120000.00}. When I started asking questions about XXXX stating that I had missed payments, instead of answering my questions, they sold/transferred my mortgage to SN Servicing Corp. How can my mortgage be over the amount I paid for it in XXXX? If the mortgage was sold/transferred for {$170000.00}, how am I responsible for that amount, when me and the IRS have the same written documentation from my previous servicer, that says my balance is {$120000.00}?
Product: Vehicle loan or lease

I tried to fix this with nbt bank and they refuse to correct this I owe XXXX not XXXX and they will not correct it
Product: Debt collection

On XX/XX/year>, approximately at XXXX, an agent from JEFFERSON CAPITAL SYSTEMS approached my home, claiming to be a " process server ''. Since I was not at home, this person approached the first person they saw in proximity, claiming that " Jefferson Capital was suing me for {$9000.00} '', that I needed to " get in touch with them immediately '', and also disclosed other private financial details in violation of FDCPA laws. They also claimed they had court papers, but refused to leave them with an adult on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I currently have a vehicle loan for over a year now and it has never been report to credit bureau of me even having a vehicle loan I am also not able to view my FICO score on XXXX online site I never had access to that either If you could please help me in understanding of whats going on and all the months I have missed of my car loan never reporting .. is it anyway to correct this?
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I don't have any information about them, and the company did them without my authorization.
Product: Credit reporting, credit repair services, 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 : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : # 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

After Revco Solutions communicated to me about how they are terminating collection efforts after my cease and desist. I noticed something very odd. I received the letter stating false numbers and figures ( 15 USC 1692f ( 1 ) ) as if the debt was still owed under my name. They did not validate the debt according to 15 USC 1692g therefore the balance should be {$0.00} and/or account should be deleted/terminated. I expressed this is my cease and desist letter. Not only did I receive false figures. I also was sent a medical statement of all my alleged debts. It had my medical records also attached which is a violations of privacy laws under numerous acts such as the FDCPA and HIPAA. I have attached the invoice of these violations as well as the letter for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the bureaus letters regarding imprecise things I found on my credit report. 60 days have passed and they have not responded to my letters. This is getting really frustrating. It's clearly indicated in Section 611 ( a ) that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. If so, why are those inaccurate data still hanging aroung my credit report when they should have already been deleted as stated. I urge you to PLEASE assist me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows 1 late pay. i have contacted them several times about this. i have never paid late. all my accounts are on time. i have auto draft come out of my checking account monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX 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: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXX/XX/year>
Product: Debt collection

The debt I received was due to a identity theft in the result of someone opening an account in my name with devices I have not claimed. Its very frustrating because I have tried to explain that to the debt collections and they still call every single day