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

On XX/XX/2023 I sent letter to the follow companies asking them to validate debt with signature or copy of my identification I observed on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. Debt wasn't validated which makes those companies in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - " Failure to validate alleged debt ''. Sent a CEASE AND DESIST LETTER 15 USC 1692cI ceasing communication, still no avail. On XX/XX/2023 I sent a letter to all 3 consumer reporting agencies asking to correct my personal information. That my name, address, phone number, and employment was incorrect, included was a copy of my Driver License, Social Security Card, and Proof of Address. TransUnion and XXXX both came back with my personal information being validated. The incorrect is as follow : Names Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX I also asked all bureaus to validate all the accounts above per : Fair Debt Collection Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX was removed/Deleted from TransUnion but not XXXX and XXXX meaning the information on my consumer report is incorrect. Debt of EdXXXX XXXX was removed from XXXX but not XXXX and TransUnion meaning the information on my consumer report is incorrect. Treatment of Inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an items of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information.
Product: Credit reporting or other personal consumer reports

I trust this communication reaches you with the urgency it demands. I am writing to bring to your immediate attention critical matters concerning my consumer rights under the Fair Credit Reporting Act ( FCRA ), with a focus on XXXX XXXX 

As stipulated in 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies, including XXXX and Experian, fulfill their duties with fairness, impartiality, and utmost respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy, highlighting the obligation of financial institutions like XXXX XXXX to safeguard customer privacy and protect nonpublic personal information.

I assert my right, as the consumer, to prevent the unauthorized sharing of my private information, supported by 15 USC 6802 ( b ) ( c ). Despite this, XXXX XXXX and the consumer reporting agencies, XXXX and Experian, lack my consentwhether verbal, non-verbal, written, implied, or otherwiseto furnish this information. 

It has come to my attention that XXXX XXXX failed to inform me of my right to exercise the nondisclosure option, a clear violation of 15 USC 6802 ( b ) ( c ). Additionally, the reporting of adverse information without my permission, detailed in 15 USC 1681C ( a ) ( 5 ), is a direct contravention of the law.

Under 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is impermissible to furnish inaccurate information to a consumer reporting agency. XXXX and Experian currently do not maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to avoid violations and limit the furnishing of consumer reports to legitimate purposes.

Moreover, I note the illegal reporting of transaction history, excluded under 15 U.S. Code 1681b ( A ) ( i ). Reporting transaction history is in direct violation of the FCRA. 

In response to these violations, I demand immediate action to rectify these breaches and ensure full compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agency show hard inquiries I didnt apply for and they said they dont care I said its Identity theft and here 's the report they said they wont accept it I have proof from Equifax From them my information was compromised in the data breach they said they dont care. I have a id theft report they refused to use I mailed it to them they opened it then returned it saying the will not except this id theft report and all three credit reporting agencies have been sent these reports before 5 times, and they didnt care and there is more then the hard inquiries I my form that are on report due to id theft. 
And here is the proof of the if theft report you requested again for the 4 time everything on this complaint shows proof of identity you requested
Product: Debt collection

I moved in XXXX 2015, cancelled XXXX and returned equipment. XXXX soon sent me a bill for {$280.00}. i tried talking with XXXX supervisors, etc., that nothing was owed. They finally sent it to the credit bureaus ( late 2015 ) and I filed a dispute. Credit bureaus found XXXX ' claim not valid and cleared it off my credit history. I thought we were done with this but last week I received another notice from Allied-interstate. I feel like I 'm being intimidated into paying them to just go away. I 'd like this to stop. I let them know during the investigation I knew that they could be sued for {$1000.00} if the harassment continued, and it did stop for 9 months, but here we go again.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These accounts, collections, and inquiries appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost concern regarding the presence of fraudulent items on my account. This letter serves as a formal complaint regarding the initial attempt to address and remove these unauthorized entries. 

The discovery of fraudulent activity on my account has caused me considerable distress and anxiety. As a valued customer, I trust in your institution 's ability to safeguard my financial interests and promptly address any security breaches. The failure of the initial attempt to remove the fraudulent items undermines this trust and raises doubts about your institution 's effectiveness in handling such matters. 

I urge you to take immediate action to rectify this situation. This should involve a thorough investigation into the root causes of the initial failure to remove the fraudulent items, as well as the implementation of robust measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these accounts in my credit file : DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00}.
Product: Credit card or prepaid card

On XX/XX/2023, I purchased a hotel reservation via XXXX for a stay XXXX. When I received the confirmation email for XXXX, I immediately called the vendor and reported the inaccuracy. This was done well within the 24-hour window, established for travel cancellations for any booking made in the USA. Much to my frustration, I had to argue with someone who barely spoke English, who was programmed with a machine like voice to tell me that the reservation is not subject to cancellation. The person knew nothing about the 24-hour window rule. Also, the vendor de facto had no way to address discrepancies due to its own software. I then had to purchase another reservation, and this time it was correctly dated.

One of the two reservations, however, should be null and void.
Product: Credit card

Issue : Unfair and deceptive practices related to account closure and negative credit reporting Summary of Complaint : I have maintained a good standing credit history with Citibank since XXXX, consistently making all payments on time. On XX/XX/XXXX my monthly online payment posted to Citi Costco Card. In XX/XX/XXXX, I discovered both Citi Credit Card accounts were closed online, with no prior notification or explanation. A few days later, I received a letter informing me of the closure but without any reason provided. The letter instructed me to call a specific phone number for further information. 

On XX/XX/XXXX, I called the provided number, the agent could not explain the closure but suggested filing an appeal. After requesting information on the appeal process, I was told to mail only a letter, no other documents needed to an address in XXXX XXXX. I promptly mailed the appeal letter on XX/XX/XXXX. 

XXXX weeks later, I called for an update on the appeal. After a 30-minute hold, the agent informed me the letter was received but not reviewed or processed. I was asked to check back in 7-10 business days. 

In XX/XX/XXXX, I received a letter stating the appeal was denied due to missing income verification. However, the letter offered no further explanation and only a phone number for inquiries. Following up with this number, the agent again lacked information. 
Furthermore, Citibank is now claiming I am behind on payments for the closed accounts ; one of which has a XXXX balance. Since the accounts are closed, I can not access them to review details or make payments. I have informed Citibank of this situation, but they only provided a statement after the alleged payment deadline, resulting in late payments being reported and negatively impacting my credit score. 
Given my payment history of no late payments up until the closure of the accounts that CitiBank is claiming, I believe my accounts should be reinstated without any requalification requirements as this is a discriminatory practice and is predatory in nature.
Product: Mortgage

In XX/XX/XXXX I received a letter notifying me that I needed to show proof of hazard insurance ( please note this is the second time, Shellpoint did this to me in XXXX too ) ; so on XXXX I uploaded the doc to their site as well as emailing it to their general document email address ; received confirmation that it went through. XX/XX/XXXX received a second letter threatening to charge me unless I show proof of hazard insurance ; so I faxed the company and I called and spoke to a rep who told me that they have my paperwork it just had not been processed yet ( a month??!! ) ; so were good then and she confirmed with me over the phone we were good. Today ( XXXX ) I receive a third letter dated XX/XX/XXXX stating that they are charging me over {$1700.00} for hazard insurance!!! I am so angry with this company I do not want them to be my mortgage company they are absolutely horrible and have caused me so much stress having to deal with this ... .it is their job to contact my HOA to get this information I should not have to be doing their job!! All the other companies prior to them always took care of this
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/2023, that these two bureaus are repeatedly, reporting incorrect information on my credit report. They have late payments and incorrect balances that have already been removed/updated. 

Account XXXX XXXX should be removed. 
Balance {$2600.00} Accounts below should be updated immediately XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$610.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$520.00} Late Payments XXXX Age of account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Status CLOSED Last Payment Amount {$80.00} Late Payments XXXX Age of Account XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account Status CLOSED Last Payment Amount {$1200.00} Late Payments XXXX Age of Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( experian ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXX XXXX  XXXX XXXX XXXX XXXX late payment wrongly reported XXXX XXXX XXXX XXXX remove whole account or update every late payment XXXX XXXX XXXX XXXX and XXXX of XXXX  late payments wrongly reported XXXX XXXX XXXX XXXX, XXXX of XXXX late payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXXXXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXXXXXX XXXX late payment wrongly reported XXXX XXXX XXXX XXXX remove whole account XXXX  XXXX of XXXX XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXX XXXX XXXXXXXX remove whole account or update all late payments 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have received your computer-generated letter stating that, you could not honor my re-investigation request due to Proof of Address Unacceptable- Reason # 4 only one form was provided.

When looking at the required materials for a dispute on the TransUnion website, nowhere does it state that two forms of proof of address are required. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on, XX/XX/2023, by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by menot a third-party agency. 

Please be advised that TODAY, XX/XX/2023, makes the 15th calendar day from when you received my request, and BY LAW, you were supposed to provide, to me, as the consumer, THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION. 

You have now, in fact, VIOLATED the law and MY RIGHTS as a consumer. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.
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 has violated my rights on my Experian credit report. In accordance with the FCRA immediately delete this account from my consumer credit report. 
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

( 1 ) I want to start a new complaint against this company that had no license to collect and do business doing so and is called XXXX XXXX XXXX XXXX, they claim they have the right to collect on a debt already paid through President Obama 's Making Home Affordable Program created in XXXX to help homeowners with their Mortgages and avoid foreclosure and have a more affordable monthly payment. ( 2 ) We entered into a Loan Modification in XX/XX/XXXX and the amount this company is trying to collect was {$87000.00} and was forgiven. Now this company named STATEBRIDGE LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX is stating that they are now collecting for XXXX XXXX XXXX XXXX. ( 3 ) We strongly believe and have seen on the news that this company is like the last company that had acted as a Zombie Loan and was collecting our mortgage payments. The amount the letter states they claim is {$100000.00}, which may be incorrect since we were forced to pay and had to hire an attorney to stop the Foreclosure. ( 4 ) We have been giving XXXX XXXX XXXX XXXX payments, the money amount is the same as XXXX XXXX XXXXXXXX is charging as the interest of {$87000.00} we have all the substantiation to prove that this is paid off and can send proof upon request.
Product: Bank account or service

TD Bank levied my business bank account domiciled in the State XXXX, due to a XXXX subpoena and personal judgment received that directed them to restrict XXXX domiciled accounts only. When I told the bank that they levied my account in error, they responded that their customer agreement allows them to levy accounts outside the scope of the XXXX subpoena, yet could not show me any agreement language in support of that claim. They have frozen almost {$7000.00} in funds without any authority under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would have to say that in my opinion congress should shut down Equifax as a lesson to correctly following the law. 

I have been a victim of fraud and identity theft along with their 2017 Security Breach scandal. Three of the top Executives waited three days to inform the American People. In the meantime they sell their investments underhandedly eventually caused the CEO to resign to avoid Jail time.

Equifax takes the Fraudulent disputing process extremely lightly, even though I was one of those millions of victimized consumers.

Equifax is currently in violation of the FCRA 605 B after sending FCT and Police reports I still have inquiries reporting fraudulent.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

I am filing a complaint against ProCollect Inc. for harassment and their failure to verify a fraudulent debt that is not mine. The debt in question is related to an apartment lease that was opened in my name without my consent and is due to identity theft. Despite my repeated requests for verification of the debt, and a request to stop receiving phone calls, the debt collection agency has continued to contact me in violation of my rights. 

On XX/XX/year>, I sent a debt verification letter to the collection agency via certified mail, disputing the debt and requesting proper verification. I have the certified mail receipt that shows that they received the letter on XX/XX/year>. 
In the letter, I explicitly asked that the agency cease all phone calls related to this debt, as it is not mine. 
Despite this request, the agency has continued to contact me, calling me 5 times since they have received the letter. 

I have filed an identity theft report with the Federal Trade Commission ( FTC ) via IdentityTheft.gov. and have also filed a police report with the XXXX. 

I have attached the following documents for verification : FTC Identity Theft Report Police Report Debt Verification Letter ( sent to the debt collection agency ) Certified Mail Receipt for the dispute letter Record of phone calls from the collection agency