23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I submitted this complaint prior and capital one sent me a letter stating that the account was put on a cease and desist status. They currently have a lawsuit against in civil court at XXXX XXXX in NY. They have not informed their attorneys about the cease and desist status and the attorney is pushing for a trail date. Capital one violated the FDCPA and did not provide XXXX percent accurate information. When I sent them letters to validate the debt and send me documentation support the final balance based off the charge off ( tax credits ) and back end accounting ( sold debt as securities and profited ) they only provided credit card statements. How can they say I owe them more than XXXX dollars on money they didnt even loan me. They cant lend their own money! Its against banking law. They are fully aware they cant and wont provide this documentation because they have a billing error and are trying to profit multiple times on this account. They need to inform their attorney that the account is in a cease and desist status. Drop the lawsuit! You violated the FDCPA and are not XXXX percent accurate with your biking and account you provide to me. This is a billing error and your must cease and desist. Dont just send me a letter saying the account is in that status. Actually do it and inform your attorney not to peruse the lawsuit as they represent capital one and you would be contradicting what the letter says and the status of the account! Tell them to cease and desist!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX The information you see above is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Experian This is not right! I received a credit report from you and there are some companies that I'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code 15 USC 1681e ( a ) Seg. 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report. 
Sincerely, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
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 XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX Wells Fargo Account # XXXX XXXX XXXX XXXX Section XXXX States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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: Debt collection

Received spam text message from Unfin! welcoming me. XXXX  their phone number and came up as a company that collects student loans and medical debt. This was the first communication I received ; nothing was received by XXXX not was a given a notice with my right to dispute.
Product: Credit reporting or other personal consumer reports

I am disputing the reinsertion of XXXX accounts on my credit report : XXXX XXXX ( Account # : XXXX ) and XXXX XXXX XXXX  XXXX ( Account # : XXXX ). These accounts were reinserted without proper notification, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires written notification within XXXX business days of reinsertion. I did not receive any such notification, constituting a clear violation of my rights under the Fair Credit Reporting Act. Additionally, under 15 U.S.C. 1681e ( b ), all reported information must meet the standard of maximum possible accuracy. These accounts fail to meet this standard, causing substantial inaccuracies in my credit report. Moreover, they do not meet the requirements for a permissible purpose as outlined under 15 U.S.C. 1681b. These oversights reflect a failure to maintain compliance with federal regulations. Non-compliance with the FCRA is a serious matter. Even non-willful violations may result in damages, and Equifax could be held liable for at least {$1000.00} per violation. This issue has caused significant distress and financial harm. I hereby demand the immediate removal of these accounts from my credit report to prevent further damage. Furthermore, I request a detailed explanation of the reinsertion process, including the sources of verification used to justify this action.
Product: Credit reporting or other personal consumer reports

i just send a validation letter to the bank about the account the report only to transunion and the bank respond me, they no have my account no more the assigned the balance to a some collector or laws firm idk.. like i see that ilegal..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

P. Scott Lowery, P.C. has been harassing me for years about debt they purchased from a Credit Company and  pursued it in court in a case against me that was given a default judgement because I had neither means to know about, or attend to in any form or fashion due to extreme hardship at the time of their filing.     It 's been over 6 years and they 're still periodically getting my address and sending me paperwork attempting to acquire information to take money from me without my consent through a banking or financial agency, and I do not have the means to get representation on my own. The paperwork contains threats of " Filed as  in Contempt of Court '' for not answering , but I have reason to be suspicious of the reasons they are pressuring me to sign these documents.     The debt is from  XXXX , and was filed in court in  XXXX  without my knowledge. I am a  XXXX   XXXX  veteran, and I can neither afford representation, nor can I afford to pay them, or deal with any potential trouble they can put me through, and due to my  XXXX  discharge being the reason I got left with the debt in the first place. I 'm unemployed and I can not work, and I refuse to give them any information that could be used to make my life miserable because of the system we currently live in.
Product: Credit reporting, credit repair services, or other personal consumer reports

The demand for XXXX has been made several times with false information and continued delays. I have provided them the reaffirmation information for the loan yet they have refused to correct it. The bank intentions are not consistent for a company that handles home loans with integrity. 
I have been lied to misrepresented to and ultimately made into the person at fault when the blame resides clearly on XXXX XXXX. They have made false representations that I would need to reopen the bankruptcy to get my home to be reported for my credit report. 
This complaint started on XX/XX/XXXX and have been called and send numerous pieces of information that are inconsistent and that provide further delay which is causing me financial harm. 
I have provided the page in my bankruptcy that was filled on XX/XX/XXXX. This document provides the proof of the home being reaffirmed. The bank has dismissed this and advised that it is not. The document is provided to assist as the manner XXXX is handling my complaint is unethical. 
Due to XXXX being a large bank that is acting unethically need help to get this resolved. There is no need to delay, defer and deny my request when it clearly is under the fair credit reporting act.
Product: Checking or savings account

My recent transaction at XXXX XXXX  was declined even though I had enough money at XXXX XXXX.

They "took" my money without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters to XXXX, XXXX, and Experian requesting the removal of a Bankruptcy from my credit report or to provide proof from the court to verify the reporting accuracy. Most recently letters were sent certified on XX/XX/XXXX, XX/XX/XXXX as well as letters in XXXX. They falsely claims on my credit report that information received from the bankruptcy court was verified as accurate. I received a letter from the court clerk stating that the court does not report to third parties including credit bureaus. Credit Bureaus have failed to respond to my request for method of verification concurrently with the FCRA and allow me a current copy of my credit report.
Product: Payday loan, title loan, or personal loan

This account is showing as a charge off real estate loan on my credit report. This should not be report as such as I never had any reason to get a real estate loan as I lived Im apartment. This account has been charge off and sold negatively affecting credit and preventing me from moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Private information shared without my consent or written permission. Harmful reporting.
Product: Debt collection

XX/XX/XXXX, # XXXX {$11000.00} ... XXXX XXXX is falsely reporting inaccurate info to the credit bureau ( XXXX ), I disputed the inaccurate info with XXXX  and sent police report I filed when my wallet was stolen. On the updated dispute results I received on XX/XX/XXXX, XXXX stated the company wasn't reporting on my file but I was notified by my credit monitoring service the account was reported XX/XX/XXXX and it's still on my credit report. This is not my account it doesn't belong to me. XXXX is under investigation as we speak for trying to collect on false accounts the company has been shut down for not having license to collect. No validation of this debt as XXXX  has claimed. Please remove this fraudulent account off my credit file thank you. 

XX/XX/XXXX, # XXXX {$12000.00} XXXX XXXX is reporting inaccurate info this account doesn't belong to me I don't have a contract with this company. I've disputed with XXXX every month for the past 3-4 months with no response from the company or XXXX/Transunion  to get this inaccurate info removed off my file. No validation of this debt at all as XXXX has claimed. Transunion never responded o my dispute. Please remove this fraudulent account off my credit file thank you. 

XX/XX/XXXX, # XXXX {$1200.00} XXXX XXXX is reporting inaccurate info on my XXXX and it's a fraudulent account and it doesn't belong to me. I've disputed this account with the company and XXXX with no response or validation of this debt as XXXX claimed. Please remove this fraudulent account off my credit file. 

XX/XX/XXXX, # XXXX {$330.00} XXXX XXXX is reporting fraudulent info on my credit file. Not my debt I have disputed with XXXX  with no response I asked for validation and have yet to receive it. This is a fraudulent account and it doesn't belong to me please remove this inaccurate info off my credit file thank you. 

XX/XX/XXXX, # XXXX {$960.00} XXXX XXXX is reporting fraudulent info on my XXXX   credit file this account doesn't belong to me, I asked for validation of this debt and no response in months from XXXX  in regards to this inaccurate information. This account doesn't belong to me please remove thank you. 

XX/XX/XXXX, # XXXX {$2100.00} XXXX is reporting inaccurate info on my XXXX credit file that is fraudulent and inaccurate. I have disputed multiple times with XXXX  with no response. Please remove this fraudulent account off my file thank you.
Product: Checking or savings account

Im a self employed XXXX XXXX XXXX, and also own XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Sba approved me for the first draw of ppp loans being as though my business was highly affected due to the current pandemic that we are all facing. My clientele was limited, and my business is suffering immensely. Ive provided all proper documentation to Capital One banking institution as proof of my business and income from XXXX XXXX. They asked me send send in 1040 form, which I sent in the same day it was asked of me. My business is still recovering and I would like answers as to why this is happening to me. I literally went from being self employed to employed because I have to booth and suite expenses out of pocket. Can someone please help. Im a XXXX XXXX who has been held against my rights for no reason at all. I call Capital One daily for updates, and no one has looked at my case or documents.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Please remove these Inquiries from my credit report.

These inquiriesarelisted :
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( Please remove this account before i seek Litigation for defamation of character ) XXXX XXXX XXXXXXXX {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance agreed to report the CURRENT status of my account when I notified them that I loss my job due to COVID and would need to make payment adjustments. The representative from Credit Acceptance then told me that they were offering a service in which would help people affected from the global pandemic : they would not report negative data to the credit bureaus such as late payments, etc. Instead, they would mark your credit report as " natural disaster '', thus protecting your account from any damage. Since then, Credit Acceptance has NOT accurately reported the status of my account when I notified them that I needed to adjust payments. They are incorrectly reporting that I was 60 days late. I notified them in XX/XX/XXXX and before XX/XX/XXXX, I had not missed a payment. I still paid after notifying them. Despite losing my job, I was able to pay off $ XXXX worth of car debt on XX/XX/XXXX, thus paying the loan in full and closing my account. By XX/XX/XXXX, Credit Acceptance begin reporting to the credit bureaus that I was 60 days late on payments and that my account was still being affected by natural disaster. It is now XX/XX/XXXX, I have called and sent several disputes. Through my efforts, several credit bureaus removed the remarks added by Credit Acceptance, those remarks being : " 60 days late '' and " natural disaster ''. 
Yet Credit Acceptance keeps adding the remarks, even though I've had them removed. 
Please help me! Credit Acceptance 's actions has managed to drop my credit score 60+ points despite me paying off the loan in full, closing the account, being affected by COVID - yet protected by a category labeled as " natural disaster '' and me reporting to Credit Acceptance at the time when my account was in good standing.

Credit Acceptance refuses to remove the remark they added, I have tried everything.

Every time I have the remark removed, Credit Acceptance adds it back, despite my account being closed and paid in full nearly a year ago.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( XXXX ) to be erroneous : - Creditor/Company Name : XXXX - Account Number : XXXX - Inaccurate Information : - The XXXX report XXXX the account as having " 0 months ( terms ), '' which is inconsistent with XXXX and Experian, which correctly report " 120 months ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- Experian includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in XXXX or XXXX reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in XXXX, whereas XXXX and Experian correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by XXXX, while XXXX and Experian accurately list it as " XX/XX/year>. '' - Experian includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both XXXX and XXXX.
Product: Debt collection

I just updated my credit report yesterday and after going over, I saw a collection name CREDIT COLLECTION SEV ( PROGRESSIVE ) that do not pertain to me, so I have been disputing this inaccurate accounts since XX/XX/2022, that I did my first dispute with the credit bureaus, unfortunately, after a few months this account still remains on my report, I am now reaching out the CFPB, because I really need this collection account off my report because I'm not the debtor of this alleged collection account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  has lied ongoing that you followed bank laws even under CFPB XXXX XXXXXXXX and one valuable lesson to be learned here is that the truth always rises to the top and now confirmed by my broker chase that my loan were paid in full prior to your ongoing wrongful actions on XXXX after XXXX XXXX register deeds supervisor XXXX assisted me to document deed fraud on XXXX. Then your fake client XXXX XXXX XXXX fake SSN numbers XXXX and XXXX and I reported the fake title as XXXX XXXX and he went on from your support to cash two XXXX escrow account checks in my name and I reported it as XXXX with XXXX XXXX XXXX XXXX stolen my identity XXXX claim XXXX and got four XXXX credit cards in my name ending XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXXXXXX XXXX credit card XXXX also from XXXX XXXX XXXX ext XXXX XXXX still claim unpaidXXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

Your scam led by XXXX XXXX of XXXX XXXXXXXX XXXX  has fake loan XXXX attached to my good loan without clear title in behalf of scammer for XXXX is Criminal Fraud. 

Please address your wrongness?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 XXXX XXXX ACCOUNT NUMBER : XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX ACCOUNT NUMBER : XXXX Balance : {$0.00} These accounts have resulted in fraudulent collections and charge off appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, and charge off as reported. The aforementioned accounts, collections, and charge off appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge off are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.