23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with XXXX XXXX with Harvard Collection on XX/XX/XXXX at XXXX XXXX. I asked him did they send a notice of the collection prior to putting the collection on my credit report. Mr. XXXX said yes notice was sent on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX. I told him I don't live at that address nor did I live at the address during the time the notice was mailed. Mr. XXXX said the address was provided by the Illinois dept of Human services and they did there part by sending it. I did ask can it be removed from my credit report to allow me time to address the issue. Mr. XXXX said no.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue with unauthorized and unverified bankruptcy and tax lien information listed on my credit report. Upon reviewing my credit report, I discovered these public record items, which I did not authorize and which were not properly validated according to the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 5 ), which requires that " If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' I contacted the County Recorder of Deeds and the U.S. Bankruptcy Court, and both entities confirmed that they do not provide validation or confirmation of public record information to credit reporting agencies. Additionally, these agencies clarified that they do not verify or validate the public record entries themselves but rely on third-party sources to report such information. 
In accordance with the FCRA, I am requesting that the bankruptcy and tax lien entries be immediately removed from my credit file. These entries are unverified and not in compliance with federal regulations. The credit reporting agency has failed to validate these public records as required by law. The information provided by the third-party reporting sources was never confirmed or validated by the original record holders, and this constitutes a violation of the FCRA, particularly Section 609 ( a ) ( 1 ) ( a ), which mandates that credit bureaus verify all public record information through original contracts or judgments. 
I request that you provide me with copies of all documentation relating to these public record items, including any court orders or signed authorization forms that would have allowed the inclusion of this information on my credit report. If such documentation can not be provided, I demand the immediate removal of these entries from my credit file.

In accordance with the FCRA, you are required to complete this investigation within 30 days of receipt of this letter, as stipulated under Section 623 ( a ) ( 3 ). I will be closely monitoring my credit report during this time.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
US DEPARTMENT OF EDU XXXX Balance : {$3700.00} & US DEPARTMENT OF EDU XXXX XXXX : {$120.00}
Product: Credit card or prepaid card

I was overseas for 5 years doing XXXX XXXX ; during almost all those years ( XXXX to XXXX ) I was able to pay all my credit cards on line on time and more than minimum due amount. Until during the pandemic as well as the USA Sanction on XXXX, around end of XXXX, I couldn't access my Capital One credit card at all, unlike all other credit cards that I had! 
As difficult as it was to contact USA via phone or email, I tried several time ( many many many times for months ) contacting Capital one asking to give me a code to access my account & they wouldn't do that. All other credit cards did and I had no problem paying them. Capital One kept emailing me telling me I was past due... I would contact them and ask them to at least email an image of my statement, the same way they're notifying me of past due & still they wouldn't! They claimed they couldn't email to XXXX!! 
I kept paying all other credit cards on time and more than enough up until XXXX XXXX when I came back to USA & found out my credit report was destroyed due to this act of Capital One. BTW, I even made an special payment of {$170.00} to them in XXXX of XXXX in order for them not to send it to collection agency until I get back to USA, since they were threatening me. I even tried finding an office of theirs to go to and talk to a manager or someone in charge, but was sent to ATM locations of theirs in two different areas in XXXX  instead!! I even called a credit people who help clear your bad credit and they told me the damage was already done. I wanted to actually sue the Capital One for ruining my very good credit of many years in XXXX ( over 40 years ). But I had and still have more priorities than this ; I've been looking to rent a place for me and the couple of animals I rescued from XXXX & each time this now Bad Credit has become a barrier for us finding a place to live. I wish I knew about your organization 6 months ago when I came back to XXXX
Product: Credit reporting or other personal consumer reports

CoreLogic XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Opt-Out Request Under Privacy Act of 1974, Fair Debt Collection Practices Act, and Fair Credit Reporting Act To Whomever It May Concern Dear Sir/Madam, I am writing to demand that my personal information be removed from your databases and that I be opted out of any and all future data sharing and reporting activities as permitted under the Privacy Act of 1974, the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ). 

Under the Privacy Act of 1974, I have the right to request the removal of my personal information from databases and to prevent its disclosure to third parties without my explicit consent. Furthermore, the FDCPA and the FCRA afford me specific rights regarding the collection, use, and dissemination of my credit information. These rights include, but are not limited to, the ability to opt out of any and all reporting and data-sharing activities. 

Therefore, I am requesting the following actions be taken immediately : 1. Remove all my personal information from your databases.

2. Cease any future collection, use, or dissemination of my personal information.

3. Provide written confirmation that these actions have been completed. 

Please treat this letter as a formal request under the Privacy Act of 1974, the FDCPA, and the FCRA. I expect to receive a response within 30 days from the date of this letter as stipulated by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX The Aggrieved Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$16000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied to refinance my home with Bank of America on XX/XX/2022. 
My original mortgage was with them for the past XXXX yrs. Never a late payment, FICO score XXXX, income XXXX plus, no other debt., 0n a XXXX refinance. After months of requesting different documents, while interest rates were rising. I was declined with no logical explanation. I received a text from XXXX XXXX saying they would not approve my loan at BOFA on XX/XX/2022 But XXXX sent me a letter saying my application process had been stopped at MY request which wasn't true. 

He then told me he had friend who could do my loan, XXXX XXXX. That i should contact him not Bank of America
Product: Credit card or prepaid card

I have a credit card with XXXX XXXX I for about a year, but I have been a customer for years. The bank that backs the card is XXXX XXXX. The bank has decreased my credit amount from {$900.00} to {$400.00} dollars since I filed a complaint with you against them for not applying my payments and charging me late fees. This bank for this XXXX XXXX card has restricted my access to use the credit on this card. XXXX XXXX is still charging me interest on the XXXX credit card after I closed the account. I want to close this account, but I believe they will continue to charge interest for a closed account. 
I believe they retaliated by decreasing my credit limit from {$900.00} to {$400.00}, and now has restricted me from using the credit on this card.
Product: Money transfer, virtual currency, or money service

I need to know where my income tax went
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX accounts with negative information. I requested proof of such bad debt and they failed to provide any proof, just referred me to contact the creditors. 

I contacted the creditors ; XXXX XXXX and XXXX, and neither XXXX provided any proof. 

Both accounts still showing on my Experian credit file.
Product: Mortgage

I am the president of a mortgage company that obtained a loan for some borrowers in 2003 to buy a home. The seller at the time was " upside down '' on the property on a second mortgage with " Bank One/Chase ''. A short sale agreement was negotiated and obtained from Bank One/Chase. The transaction closed and Bank One/Chase was paid off. Unfortunately " Bank One/Chase '' failed to release their mortgage on the property. 
Fast forward 12 years and the current property owners are now trying to sell their property but can not because the previous owner 's paid off mortgage is still on the property. These owners/sellers/my customers are now angry at me because something was not done correctly by " Bank One/Chase '' 12 years ago. 
We contacted Chase 6 weeks ago and provided them very clear/precise documentation that shows this loan was paid off according to the short sale agreement. We have made numerous follow-up phone calls and do not seem to be making progress. Chase 's " help desk '' response is the " release request was rejected ''. Of course we asked why this was the case and have been told it might take another couple weeks to give an answer to that. The " help desk '' implied that the collection was sold to another party and that party would have to release the mortgage. We pointed out that the old collection has nothing to do with the current home owners and that collection company has no ownership rights to the mortgage on the property since that mortgage was paid off according to the short sale agreement. 
Anyhow we have been told that someone from Chase will be contacting us in the future with an update. We have been told that several times over the last 6 weeks and have never received a call.
Product: Mortgage

What Wells Fargo done is not right. I was told last week my refund from My escrow account would be {$570.00} when I received the check it was $ {$41.00}. What I do n't understand I got {$370.00} last year and you compare the number of statement the XXXX do t make sense that we 'll Fargo sent me. I asked consumer protection to look into this matter
Product: Credit reporting or other personal consumer reports

I am following up my original complaint to update the response I received ( via mail ) from Equifax credit bureau. I was sent a letter stating that in order for the company to even consider my complaint I would need to send them a copy two of any of the following items : my paystub with my ss number, W-2 with my ss number, a valid ss card, my driver 's license, my rental agreement, paystub with address, and a utility bill with my address. 

I'll send this when you send my this same info for your CEO. 

What purpose do you actually serve? Are you protecting consumers, and if so from whom or from what? You collect MY data from banking and financial institutions, you buy it, the bank makes a profit, I have no say so in your owning my private information, you use it to keep me from reaching a desired arbitrary number you invented, and you then try to sell you services back to me to improve said number. 

This complaint began when an algorithm dropped my credit score XXXX points because I went over my {$1000.00}. limit on my XXXX XXXX XXXX  by {$3.00}. I sent you the proof from my bank and from my credit report. Instead of taking that point drop off of my report you have asked me for private information, which I will not give you because it does not belong to you. 

Now I have no recourse expect to file a complaint with my Congressperson. I am. In fact, I'm sending every single member of Congress a physical copy of my my report, my XXXX statement, your letter, and the original complaint I filed on this site. I'll start with posting all of this on XXXX, XXXX, XXXX XXXX and other social media. I'll be sure to ask for the stories of other single-fathers and mothers. 

{$3.00} cost me five years of rebuilding my credit. It is clear your only aim is to extract money from people struggling, and to do so with no consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Account Number XXXX ), has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ( Account Number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to ignore my request of correction on my Credit report despite the multiple letters I have been sending to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX2022 with complete attachments of my personal information but I see here that the Credit Bureaus have been ignoring my letters. I am submitting this complaint in response to the recent " investigation '' done by the Credit Bureaus. I do not agree with the result they present and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that report these information on my Credit file. I am submitting this complaint to ask that more information from the Credit Bureaus with regards with the the matter I am disputing. I need the following items in question to be COMPLETELY INVESTIGATED AND CORRECTED FROM ERRONEOUS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00}
Product: Checking or savings account

I accepted a promotional offer through XXXX to open a Credit Karma XXXX XXXX bank account after filing my joint taxes with my husband this year. Their was a monetary incentive. Our refund was to be deposited into this new account. I received my debit card shortly after opening the account ( XX/XX/2021 ). I did not deposit any additional money to the account being that my sole purpose for the account was to keep our refund separate from our income. 
Our tax refund finally deposited XX/XX/2021. When I tried to use the Credit Karma debit card it kept declining. I spoke with customer service on XX/XX/XXXX, and was informed my account had been frozen. They refused to give me any additional information or time frame for when this matter would be resolved. I have reached out and havent received any response or communication on their behalf. The customer service agent said they would expedite the issue and would send email confirmation. That did not happen. 
I linked an account on XX/XX/XXXX. On XX/XX/XXXX I received an email concerning new activity and the security of my account. They requested I send a front and back photo of my ID and bank statement for the linked account. Credit Karma Member Support said the issue would be resolved after they received these documents. I have sent two separate emails inquiring about my account status ( XX/XX/XXXX and XX/XX/XXXX ). They have not responded. My account has been frozen for 14 days and I have no clue why or how I can resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I got a scam call on XX/XX/XXXX, and claiming to be stationed in the XXXX XXXX informing me that I had a bank card which has related to the financial crisis, and the call was then transferred to the " XXXX XXXX XXXX XXXX ''. The scammer claimed that he was the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The scammer claimed that I would be arrested and sent back to XXXX because I was suspected of committing a crime. The scammer said that If I paid a guarantee to the procuratorate, I could apply for a guarantee certificate and revoke the arrest. I could get my money back if they check that there is no problem with my money. The scammer asked for confidentiality and monitored his activities through video calls. Under the intimidation and induction of fraudsters, I transferred money to XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX to the bank accounts provided by the scammer and suffered losses of XXXXXXXX XXXX 

I have told bank of America, the police in XXXX, the police in XXXX and XXXXXXXX XXXX and haven't received any progress yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX under the penalty of perjury, affirm and attest that all after mentioned statements are true. On XX/XX/2022 I noticed after viewing all three of my credit reports from XXXX, XXXX, and XXXX  that XXXX was and currently as of XX/XX/2022 still is reporting inaccurate and fraudulent information to my credit file on behalf of deceptive corporations and XXXX party thieves. On XX/XX/2022 I filed an FTC identity theft report against XXXX, XXXX, XXXX, and multiple other thieves who are utilizing my credit file without permissible purpose lacking consent from me to furnish or report such inaccurate details about my personal, consumer, and credit information causing defamation to my character and hardship for me and my family. On XX/XX/2022 I sent XXXX multiple letters requesting debt validation, personal information amendments, and other credit related inquiries which they signed for and received via XXXX certified postal mail on XX/XX/2022. XXXX has blatantly disregarded my request thus continuing to further violate my federally protected rights as a consumer. It is now XX/XX/2022 and I still have not received any proof that investigation has even begun. I am demanding that XXXX no longer violates my federally protected rights by adhering to my written instructions that I have supplied them as of XX/XX/2022 through updating, deleting/removing, and remeding the many violations that are being reported on my XXXX credit report and file. Please find attached all evidence supporting my claim and make the accurate changes. I demand XXXX stop violating the FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) reporting inquiries without my permission as well as inaccurate reporting of the collection as an " Open Account ''. Also, some inaccurate reporting that needs to be removed immediately. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX Filed XX/XX/XXXX Charge off Last Updated XX/XX/XXXX XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} Equifax - Disputed XX/XX/XXXX- Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX- XXXX XXXX XXXX Listed a New account name " XXXX XXXX '' XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three Credit Bureaus.
Product: Credit reporting or other personal consumer reports

I went over my credit report I see there are 12 of inaccuracies. Among the 3 credit agencies which are a violation to the consumer ( me ) 15 usc 1681e. 15 U.S Code 1681n I will be taking legal action against XXXX, XXXX, Experian. For reporting inaccuracies on my report. because of this I have been denied credit. Also my credit report has gone down drastically. This is DEFAMATION.

These accounts either have different amounts different names, Or some say they are closed, while they are still opened on another report. 
These are the accounts with the inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX