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

XXXXXXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for Equifax NAME : XXXX XXXX XXXX XXXXXXXX My only name is XXXX XXXX. Please remove any other name you have for me. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX My only address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Your system must remove any address that does not match the one listed on this letter.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me
Product: Debt collection

XXXX University under the XXXX XXXX umbrella sent me to collections for a debt of {$14000.00}. The school was later sued by your institution forcing them to shut down and sale all of their locations. The collection agency named Jefferson Capital System LLC is trying to collect a large sum of money for a school that lied not only to me but on me. XXXX University attempted to get me to take out a loan from XXXX for {$4700.00} at a 9.9 % interest rate to pay for one quarter. One of their representatives later told me I should take out a genesis loan for the amount of {$11000.00} which would cover the rest of the semester. I refused and explained to them I did n't have the money to pay for a loan. XXXX University locked me out of my online classes and school assigned email accounts. I do n't owe for classes I did not take nor did I finish school. They sent me to collection for not taking out a loan which is something I do not understand.
Product: Mortgage

I called up today to get the pay off amount and was told they did n't have it even when I originally ordered it last Tuesday and I was told XXXXXXXX hours. They I told them I was faxing the XXXX form today and she said they were waiting for XXXX more paystubs which I wont have until Friday. I asked could n't they postpone the sale day for a week to get this figured out and she said they were n't going to do that and If I could n't have a full packet in by today they were n't going to waste their time looking at the review anymore. That tells me that wells fargo has no intention of helping us save our home and they are forcing us to do a chapter XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRENT WORK INFORMATION IS :  XXXX   XXXX  /  XXXX   XXXX   XXXX    XXXX   XXXX   My current phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses IMMEDIATELY :  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00}
Product: Credit card or prepaid card

On  X/XX/2017    my parked car was struck by a hit and run vehicle outside my house. I had it towed by  XXXX   XXXX    XXXX    XXXX  because they were on the scene first and offered a {$50.00}  XXXX -mile tow and their facility was only  XXXX  miles away. I went to get the car the next day and somehow the bill had shot up to {$610.00}. I went there again the day after that and after  XXXX  hours of attempting to negotiate that to a fee that was not outrageous I eventually had to pay because they threatened to put a lien on my income and everything I own once it accrues {$2000.00} in storage fees if I just let them keep the car ( it was not worth more than {$700.00} at the time ). Paying with credit card ended up being my only option and it costed an extra {$61.00} so my grand total ended up being {$670.00}.     Naturally, I called PNC 's dispute department as soon as I got home and told them to withhold the charge and I 'll file a dispute. They said they would send out a letter for me to respond with my own letter detailing the events and any evidence. I agreed and waited for the letter to come. Somehow within the next few days, the charge was posted anyway and my request to stop payment was ignored. I moved forward with the dispute assuming that would n't be an issue once I get the chargeback initiated anyway.   Within  2  weeks I got the letter and responded as directed with my written statement.     A month later on  X/XX/2017   , I find out that my dispute has somehow been denied and they are letting the tow company keep the {$670.00} that they wrongfully took.
Product: Credit card or prepaid card

Hello I have been a bank of america card holder since 2011 and I have always made on time payments. I recently found out that they closed my account. When I called they said I had too many authorized users. I give my family a credit card for emergencies. When I called they said there was no limit to how many people I can add. Why would they tell me this and then close my account? this makes no sense to me. It just seems unfair, now my credit score is going to drop because this was only credit card I have with a long payment history. They said they will not give me a chance to fix the issue and it will be permanently closed now. Is this legal? Please investigate this matter for me. I have been a bank of america customer for since early 2000s I recently opened another bank account with XXXXXXXX XXXX and transfered my money. My business credit card was also closed, they said that it was due to my business checking account being overdrawn. I thought this account was closed already and I was getting several maintenance fees, which were eventually reversed and now the account is finally closed. This is an unfair practice and I need both my business credit card and especially my personal credit card ending in XXXX reopened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX MI XXXX Account number XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX THIRD NOTICE Debt Validation Request Pursuant to FCRA and FDCPA To Whom It May Concern, I am writing in response to an entry on my credit report regarding an alleged debt you claim I owe. This is my third request for validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). You are required by law to provide sufficient validation of this debt, yet I have not received proper documentation proving my liability. 

As per my rights under 15 U.S.C. 1692g of the FDCPA and 15 U.S.C. 1681 of the FCRA, I formally request that you provide me with the following information : The original creditors name and address. 

The full account number associated with this alleged debt. 

A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges. 

A copy of the original signed contract or agreement proving my obligation to pay this debt. 

Proof that you are legally authorized to collect this debt in my state. 

Documentation proving that this debt has not exceeded the statute of limitations for collection in my state. 

If you can not provide the requested validation, you are required by law to remove this account from my credit report immediately, as continued reporting of inaccurate or unverified information is a violation of the FCRA ( 15 U.S.C. 1681s-2 ). 

Additionally, if this debt is found to be unverified, I request that you cease all collection activity and stop reporting it to any credit reporting agencies. Failure to comply with this request may result in legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please consider this letter a formal dispute. I request a response within 30 days from the date of receipt. Failure to provide sufficient evidence of the validity of this debt will be considered an admission that no such debt exists. 

Please send all correspondence to my mailing address listed above. 

Experian
Product: Mortgage

I recently purchased a house with LoanDepot.com LLC as my loan servicer. The transaction was closed on XX/XX/2021. As part of the closing, I prepaid {$4500.00} to LoanDepot for 6-month county property tax due on XX/XX/2021. My monthly contribution to an escrow account held by LoanDepot is {$780.00}, covering future property tax payments and home insurance premium. 

In the week of XX/XX/2021, I started to enquire LoanDepot when they would settle my property tax payment. Later it turns out that LoanDepot made duplicated payments to the county, once from my escrow account on XX/XX/2021 of {$1100.00} and a second time from my prepayment. After deducting a duplicated tax payment of {$1100.00} from the original prepayment of {$4500.00}, LoanDepot deposited the remaining balance of {$3400.00} as an initial escrow deposit to my escrow account on XX/XX/2021. 

As of today, XX/XX/2021, XXXX County, Washington, only posted one receipt of {$1100.00} on XX/XX/2021 ( receipt no. XXXX ). After several correspondence with LoanDepot, they admitted that they mismanaged my escrow funds and sent a duplicated tax payment. They claimed that they were communicating with XXXX County to seek a refund. There was no details of actions disclosed and there was no response from the county. LoanDepot kept emailing me postponing the deadline to solve the issue.
Product: Vehicle loan or lease

My XXXX XXXX XXXX was repossessed in XX/XX/XXXX. I was notified that the car had been sold to another person but the balance still remains the same from the beginning of my contract inXX/XX/XXXX per my credit reports. My reports also show that the account was closed in XX/XX/XXXX but I made a last payment inXX/XX/XXXX Overview You've paid off 8 % of the original amount.

Balance {$10000.00} Highest Balance $ XXXX  Monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs ) Term 51 months Payment History Last paymentXX/XX/XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I received the attached dispute results from XXXX, dated XX/XX/XXXX, for my TD Bank NA account showing Before Dispute Status ( XX/XX/XXXX ) Open and After Dispute Status ( XX/XX/XXXX ) Open. I voluntarily CLOSED myTD Bank XXXX account on XX/XX/XXXX as clearly and unambiguously stated in the attached two letters of TD Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. How can my account remain inaccurately reported as XXXX after the dispute process if a simple straightforward investigation would certainly require reporting my account as CLOSED at consumers request on XX/XX/XXXX???? Delete my account permanently!!!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XXXXXX/XX/year> by CARMAX AUTO FINANCE. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an account open on my credit report. I opened a ticket with a XXXX asking for the creditor to provide validation, they failed to do so, and refused to remove the debt from my credit report. I currently have a case # XXXX with XXXX asking them to remove it.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX XXXX XXXX and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to get the account removed from my credit profile after learning of the class action settlement. There was a 33 state predatory lending class action settlement against XXXX XXXX XXXX where XXXX agreed to relieve loans and help repair the people credit affected by there actions. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within days of receipt of this complaint.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am following up on my previous request to remove unauthorized hard inquiries from my credit report, as per the Fair Credit Reporting Act. Specifically, I am referencing the hard inquiries dating back on XXXX XXXX, under the reference number XXXX. Under the FCRA, consumers have the right to dispute any inaccurate and unverified information on their credit report, including unauthorized hard inquiries. As I previously communicated, these hard inquiries where made without my knowledge or consent and thefore XXXX holdings XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX are in violation of my rights. I have not received any response to my initial request and I have reached out to escalate for this matter to be resolved fairly. Equifax is legally required to complete their investigation and provide the consumer with results within 30 days mandated by the FCRA which never happened. By Federal law, the disputed information shall be removed immediately from a consumer report. I have sent the proper documents Equifax has asked for to get this removed and still, no change. Equifax is supposed to do their due diligence. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

A fraudulent act was committed against my account. Despite the fact that i reported to Bank of America about the frauds, Bank of America refuse to take necessary action against the fraudulent/scammer account which are deliberately still active.
Product: Credit reporting or other personal consumer reports

This letter is a formal dispute under the provisions of the fair credit reporting act FCRA 15 USC1 681 et seq. that you are reporting inaccurate credit information after careful review of my credit report it has come to my attention that there are several inaccurate listings contained in my credit report the accounts listed below are incorrect the following accounts need to be investigated immediately to reflect my truthful credit history if any of accounts below can not be verified they should be deleted from my credit report as soon as possible as I am sure you are aware the FCR requires you to properly investigate any debt dispute I'm sure that the inclusion of this inaccurate information is a mistake on either you or the credit reporters part dude. Experian actions show they did not investigate accounts as required to by FCRA and state within XXXX hours its correct when they did not investigate
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account number : XXXX Spring Oaks Capital XXXX XXXX XXXX XXXX, VA XXXX Dear Spring Oaks Capital, Thank you for providing the Bill of Sale, which demonstrates that you have purchased the alleged debt. However, while the XXXX XXXX XXXX shows that the debt was acquired, it does not fulfill the full requirements for validating the debt. I am now formally requesting the following additional documentation, as required by law, to properly validate the debt and demonstrate your legal right to collect : XXXX. Assignment Contract : A copy of the assignment contract between the original creditor and your agency, showing the transfer of the specific debt in question. 
XXXX. Cancellation of XXXX : Any documentation regarding the cancellation or discharge of this debt by the original creditor, if applicable. 
XXXX. Chain of Title : Complete documentation tracing the ownership and transfer of this debt, from the original creditor through any intermediary parties to your agency. 
XXXX. XXXX XXXX : Clarification as to whether there has been a judgment on this account, and if so, documentation of the judgment. 
XXXX. XXXX XXXX for the Purchased Account : The amount paid by your agency when purchasing the debt, to confirm whether the collection efforts are proportional and lawful. 
Applicable Laws for Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, upon request, a debt collector is required to provide sufficient validation of the debt, including documentation that demonstrates the chain of title and legal authority to collect. The Bill of Sale alone is insufficient without providing the assignment contract and other supporting documentation. 
Furthermore, under the Uniform Commercial Code ( XXXX ) XXXX, a clear chain of title is required for the transfer or assignment of debts, particularly when the debt has been sold or transferred multiple times. 
Violation of XXXX XXXX Laws Failure to provide the requested documents violates both : XXXX. 15 U.S.C. 1692g ( b ) : The FDCPA requires debt XXXX to cease collection activities until proper validation, including proof of assignment and chain of title, is provided. 
XXXX. 15 U.S.C. 1692e : The FDCPA prohibits false, deceptive, or misleading representations in connection with the collection of a debt. Failure to provide the complete documentation implies potential misrepresentation regarding your legal right to collect. 
I expect that you will promptly provide the requested documents. Should you fail to do so within a reasonable timeframe, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will pursue any further legal remedies available to me. 
Thank you for your immediate attention to this matter. I look forward to your response. 
Sincerely,