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

XXXX XXXX, XXXX To Whom it May Concern : I am disputing the XXXXen ( 10 ) Federal Tax Liens on my Credit Report. As of today, Equifax has not removed the Federal Tax Liens from my Credit Report as cited by the National Consumer Assistance Plan ( NCAP ) Rule of XXXX, XXXX, which states, in part, the credit reporting agency will remove any Public Record, Judgments, and Liens that do not have all the required information. Therefore, Tax Liens that do not have the FULL Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies ' database. My ten ( 10 ) attached Notice of Federal Tax Liens display a PARTIALLY REDACTED Social Security Number ( SSN ) and there is no Date of Birth ( DOB ). Based on the NCAP Rules that became effective XXXX XXXX, XXXX, I am disputing the Federal Tax Liens on my Equifax Credit Report and I request they be removed according. Thank you very much, XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card with Barclays Bank through XXXX on XX/XX/2021. On this date, there was a promotional offer, if approved for the credit card, which I was approved for and have attached confirmation of. This promotional offer was to receive {$150.00} statement credit if used within the first 30 days of OPENING the account ( XXXX ). 

On the date of XX/XX/XXXX when I was approved for the credit card, I was attempting to purchase flights tickets that I desperately needed to purchase on this date. After approval process, the website took me right back to XXXX and 'automatically ' entered the credit card numbers into the checkout tab without allowing any edit. I attempted to purchase and the website notated that the security pin was incorrect. I did not understand how the security code was incorrect when the website automatically entered the numbers for me and would not let me edit. I then called their customer service line for the representatives to tell me it must have been a glitch in the system and that they would expedite the card to me for no charge. They stated the transit time for an expedited card would be 2-3 business days. The following Wednesday, XX/XX/XXXX, the card still had not showed. I called in to their customer support line again to confirm if the card had been sent via expedite or if there was an issue that occurred. I was told the card was never actually expedited and that it was on ground service. The representative proceeded to tell me she would cancel the previously sent card and issue an immediate expedite replacement. 2 weeks later XXXX XX/XX/XXXX ), there was still no card that I received. I called in once more to their support phone line and was told they were unsure as to why the card was not received but confirmed it was sent via expedite and I should have received by this time. She confirmed she expedited another card to me. A few days later, XXXX XX/XX/XXXX ), I still never received the credit card. I called in again on this date for the representative to tell me the card was never even sent to my location. It was at this point I asked the representative to speak with a manager because I was so unhappy with the service and inconveniences for about a month. He placed me on hold and then hung up on me. I called back for another representative to do the same when asking for a manager. Then a couple days later, either the XXXX or XXXX, same date the promotional offer would expire, I tried calling the XXXX branch of this branch in hopes of receiving some assistance with the issue. They stated they had no visibility into the US team 's business and I would have to call them back. I tried to call the US team another time on this same day, and after explaining then requesting for a manager, was hung up on again.
Product: Credit reporting or other personal consumer reports

I request the removal of this account, as it does not belong to me, and I'm deeply disappointed by its presence on my credit report. Based on FCRA 605B, this must be removed due to unfair and incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I discovered that there was a fraudulent account on my personal credit report and I contacted the below credit bureaus to correct it with zero response. 
I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, XXXX  and Trans Union via certified mail with tracking numbers which cost me approximately {$73.00} to do this. XXXX  Certified Tracking Number : XXXX, Trans Union Certified Tracking Number XXXX. On XX/XX/2020 I received confirmation that each bureau had received the certified letters and I know the FCRA allows 30 days from when it was received to process and/or delete the fraudulent items. 

I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. 

The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. It is now 33 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$100.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.
Product: Credit card or prepaid card

In XXXX I opened a credit card with XXXX I received a credit limit for {$200.00} everything was going fine never paid a monthly fees or annuals fee, never have any issue with them. In XXXX I received a letter stated that Capital one will take over XXXX credit card. As soon as capital one take over they started to charge me an annuals fee of {$35.00}, I never even use the card since capital one took charge. I call them " customer service is the worst around '' to explain to them that I never used to pay a fee with XXXX why capital one charge me a fee for. I'll got yelled at-per capital one customer service " that's just the way it is ''. I would call them over and over they never remove or waive the fees. I finally decided to ask them to increase the credit limit if you're going to charge me a fee. I was told that the APR is too low this card is not eligible to received a credit increase that I would have to open a bring new card. After years of fighting calling sending letters to them I received an email last month telling me if I want to close the account I will receive a reimbursement for XXXX and XXXX annuals fees after getting charge for more than 10 years. I was in the hospital sick when I got home going through my email I noticed the email " capital one knew my current address '' so I called them a supervisor told me that time has passed and that I'm not eligible to receive that offer anymore, you can close the account if you want to than your credit score will go down.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account payment history is wrong
Product: Debt collection

Hello, My name is XXXX XXXX and I am seeking legal advice on a fraudulent activity from BBVA. The company BBVA repossessed my car on XX/XX/2020 without a letter of notice. Before this took place, I spoke with a BBVA representative on XX/XX/XXXX and they told me I was behind {$1200.00} for car payment. I sent them a check in the amount of {$920.00} and a money order for {$300.00} on XX/XX/XXXX. I was under the assumption that everything was fine as I never received any notification that an order was sent out for repossession on my vehicle. Then, to my surprise they took the car on XX/XX/XXXX. When I called them they stated that the check I gave them was lost and never received. They reported on my credit report that my outstanding balance was XXXX and they sold the company to someone else. Now, today XX/XX/XXXX, I checked my bank account and it is over drafted {$920.00} from the check that they stated was lost and never received. I need to dispute this fraud immediately. An investigation claim needs to be opened on this company. I need the check amount placed back into my bank account. I called them today to find out why they did that and they replied saying they had the check and money order and had applied it to my account. I told them that I no longer have an account with them as my balance was reported XXXX. Please advise on how I can take legal action. THANK YOU! 

Regards, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, FL XXXX ( XXXX ) XXXX XXXX Fraudulent Company : BBVA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I XXXX follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

This loan was taken out XX/XX/XXXX and paid back over months. In fact, they continued to debit our bank account even when the balance was paid in full thru XX/XX/XXXX. The alleged lender is XXXX. Recvd a call from XXXX XXXX XXXX threatening to sue if debt is not paid. This is the XXXX contact we recvd for this alleged loan, the first was XXXX XXXX alleging XXXX XXXX XXXX as the lender. A Cease and Desist letter was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent EXPERIAN credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you Experian permission to furnish this information onto my credit report. This is a clear violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my rights to privacy. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. I also demand you, Experian, to produce a contract between you and I, consumer, bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611. 
My contact information is listed above. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so agitated! I have no idea what is going on over there at the CFPB. Ive submitted this same complaint XXXX times. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully for the last time. Experian has been not complying with Fair Credit Reporting Act ( XXXX ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section XXXX by blocking or removing them from my report. Additionally they are violating sections XXXX XXXX XXXXXXXX for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per XXXX The accounts are as follows - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

There are several inaccurate information on my consumer report regarding the following account number XXXX. The first major inaccuracy is that the account numbers do NOT match up. Both Experian and XXXX are showing the above account number however, XXXX has been changing the account number on a monthly basis. This month the account number is XXXX and previously it was XXXX when the true account number is XXXX. This is a huge violation of the Fair Credit Reporting Act. The second inaccurate information about this account is the late payment that were reported when I was never late. Pursuant to the exclusion section of the Fair Credit Reporting Act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, Late payments ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. This is an experience of mine that can not be reported as it violates this section of the act. Additionally pursuant to 15 U.S. Code 1666b a credit may NOT treat any payment on an open end consumer credit plan as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified 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? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available 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. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this alleged debt and request extensive proof of debt. This is an FCRA 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. There is no written communication received regarding this debt. Please REMOVE immediately.
Product: Credit reporting or other personal consumer reports

account no. XXXX XXXX XXXX for the amount of {$5500.00}. 


Dispute of Unauthorized Disclosure of Information Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure of my personal information by your agency, as outlined in 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered that you have furnished or obtained my information without my explicit written consent. 

As per the FCRA regulations, it is imperative that any agency seeking to obtain or furnish an individuals credit information must first obtain written consent from the said individual. I wish to assert that I have never provided written consent to your agency to furnish or obtain my personal information. 

This unauthorized disclosure of my information not only violates my rights under the FCRA but also poses a significant risk to my privacy and financial well-being. I demand immediate cessation of any further disclosure or obtaining of my information without my explicit written consent. 

Furthermore, I request that you conduct a thorough investigation into this matter and provide me with documentation demonstrating the written consent I purportedly provided for the disclosure of my information. If you are unable to furnish such documentation, I expect a prompt correction of my credit report to remove any inaccuracies resulting from this unauthorized disclosure.

Please acknowledge receipt of this dispute letter within the timeframe prescribed by law and inform me of the steps you will be taking to rectify this situation. Failure to comply with the FCRA regulations may result in legal action being pursued against your agency.

Thank you for your prompt attention to this matter.
Product: Consumer Loan

I agreed to co-sign for the purchase of a XXXX XXXX XXXX for my roommate, and specifically advised the Car Dealership that I did not want my name on the loan document as a primary. Wells Fargo the lender began sending the monthly statement with my name as the primary owner of this vehicle XX/XX/XXXX. I immediately called Wells Fargo to complain about this problem and reported this problem to the Federal Trade Commission. Wells Fargo then contacted me to inform me that the loan document had me listed as the primary owner. I explained to Wells Fargo that I am not the primary owner, and that they needed to correct this error. This error is a concern to me because it is on my credit reports, and the department of motor vehicle in California has me as the primary owner and when this vehicle has received parking tickets my name appears on the citation. I would like the CFPB to assist me in correcting this problem, Wells Fargo has the ability to fix this problem by either correcting the current loan document or refinancing the vehicle with the correct primary owner ( XXXX XXXX ) and deleting my name from the loan document or placing me as a Co-Signer. This loan *XXXX has been paid on time and this should allow this financial institution to not have any issues considering XXXX XXXX ( Primary Owner ) has paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I  should not have. I had paid this over the phone and was under the impression the payments went through, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.
Product: Debt collection

I represent a client and am doing work for her on her finances, credit, and debts. 
I received a call from someone saying that he was a friend of my client and wanted to know what services I provide. He mentioned my clients name and asked if I knew her. I confirmed I did. I explained what services I provide. He then said he was unsure if he could work with me. I asked who he was and he did say he was with Van Ru Credit Corp. but would tell me no more. I asked " are you debt collector '', he said " he could not answer that ''. I asked " are you attempting to collect a debt '', he replied " he could not say ''. The call was then terminated.
Product: Payday loan, title loan, or personal loan

Well I went to apply for a payday loan from ace Cash express and I ended up getting denied and when i received the email stating why it said that profile didn't match first name and that my social security number was registered as deceased. And not I only them but XXXX XXXX too when I called them to verify my identity over the phone.