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

In accordance with the fair credit reporting act the following accountings [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right. 15USC 1681 Section 602 States that I have right to privacy. 15USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 15USC 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.

This letter is a dispute of the completeness and/or accuracy of an item of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i. The item of information below that you maintain in a consumer file about me and report is inaccurate and/or incomplete and I request that you promptly delete the late payments from the file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681g ( a ), I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). I have enclosed proof of my identity and current mailing address. Please be advised, this dispute letter contains sufficient information for you to legally act on it. Any delay tactics or needless requests for information will not avoid your legal obligations to me. If you fail to comply, I will seek damages, costs, and attorneys fees. See 15 U.S.C. 1681n-o
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX unable to access my account because deemed fraud but I still had money that was sent to zelle for me from a friend and I was unable to receive this payment because of This. {$20.00} was the amount sent
Product: Credit card or prepaid card

On XX/XX/XXXX or XXXX, 2020, I contacted Capital One regarding my Neiman Marcus account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/ 2020 via internet. On the same day, I contacted Capital One regarding Neiman Marcus account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with Saks Fifth with enrollment on the COVID-19 last month. 

On XXXX XXXX, 2020, I received multiple alerts about a negative reporting on my credit file. Capital One reported my Neiman Marcus accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and Capital One may be experiencing some technicalities with this XXXX suppression/deferment program as the same issue I reported regarding my Saks FifthAvenue account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from Neiman Marcus account & from all three credit reporting agencies XX/XX/XXXXand XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax merged my account with another woman, with the same first name- different last name. She's considerably older than myself and lives in a different part of the country. 

I contacted them, they acted like it was no big deal and that they would remove her records from my account. However, two years later they are still selling my information to her collectors. They get my personal address and my phone number and harass me. Her bad credit has also effected my credit score.
Product: Credit reporting or other personal consumer reports

I just ran my credit report for the first time I am a retired XXXX who surved the country for over 20 years, Retired Veteran it is very stressful and XXXX that I am revieweing my credit report and see that there are unathorized inquiries and accounts that are not mine please assist me in removing this it is sad that I serve the country and someone is using my information for falsey use.. TRANSUNION - XXXX XXXX XXXX XXXX  - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies NOT MINE NEVER BEEN MINE - XXXX XXXX XXXX XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX - NOT MINE NEVER BEEN MINE - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies PLEASE REMOVE THIS FROM ACCOUNT FROM MY FILE. 
INQUIRIES XXXX XXXXXX/XX/XXXX I NEVER APPLIED FOR ANY OF THIS. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I am a retired veteran who served the country for over 20 years it is very XXXX and stressful that youre report inaaccurate information.. My personal name is also wrong it should only report XXXX XXXX XXXX XXXX residence is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not lived any other place as it was XXXX  almsot all my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER been past 30 days late on my   XXXX   credit card and all  XXXX  agencies are reporting a late payment, this is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed were opened without my knowledge. My identity was stolen to open these accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed XX/XX/XXXX to XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifaxs job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. 

Under Section 605 A 15 U.S. Code 1618 C-1, Section 604 15 U.S. Code 1618 b, and Section 605 B 15 U.S. Code 1618 C-2, all fraudulent information needs be removed within 4 days. 

Please remove 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 XXXXXXXX Unauthorized Hard Inquiries : XXXX XXXX # ( Finance ) XXXX XXXX ( Auto ) XXXX ( bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XXXX  ( Finance ) XXXX  ( Finance ) XXXX XXXX XXXX Finance ) XXXX  XXXX ( Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition all late payments must be removed .

It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.
Product: Mortgage

I had a mortgage loan with BMO Harris Bank. I sold my home on XX/XX/2021. The title company contacted BMO Harris Bank to obtain the payoff amount and that amount was remitted to BMO Harris Bank on XX/XX/XXXX. BMO Harris received the monthly payment from my bank account XXXX electronic transfer ) on XX/XX/2021. I called the bank and asked that they electronically deposit the amount they took out on XX/XX/XXXX back to my account. They said they were only willing to remit a hard copy check to the address they have on record XXXX the home I sold XXXX in 15 - 30 business days. I complained that they would have the use of my money for close to a month. I spoke to two supervisors and no one would agree to remit the money electronically back to my account. 

I am closing on a new house at the end of XXXX and was counting on that money to use towards the purchase price.
Product: Debt collection

Dear XXXX XXXX XXXX XXXX, I am writing to demand an immediate cease and desist of all collection activities related to the alleged debt associated with account number XXXX & XXXX. I also request that you remove this fraudulent account from my credit report within four ( 4 ) days of receiving this letter. Failure to comply will result in litigation for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated this alleged debt, and my failure to dispute its validity does not imply admission of liability. I have not received any documentary evidence, such as a trilateral contract, establishing your right to collect on this debt. 

Your furnishing of this alleged debt to my consumer report without prior validation violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This constitutes fraud, including the violation of 15 U.S. Code 1692d ( 4 ) ( debt parking ). If you can not provide proof of a lawful validation attempt before furnishing this debt on my report, it is evident that this account has been fraudulently furnished to harm my financial reputation. 

I hereby refuse to pay this debt under 15 U.S. Code 1692c ( c ). I demand an immediate cease and desist of all illegal activities, including communication and collection efforts, until you can provide sufficient documentary evidence establishing my legal obligation to pay. Failure to comply will result in litigation for actual damages caused, and you may be held criminally liable for aggravated identity theft, extortion, theft by deception, securities fraud, and mail fraud. 

Upon receipt of this letter and accompanying documents, you are hereby notified pursuant to UCC 1-202f. I expect your prompt attention and response to this matter. Please provide a written response within four ( 4 ) days, confirming the cessation of all collection activities and removal of this fraudulent account from my credit report. 


Thank you for your immediate attention to this matter. 

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

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, Company Inquiries : 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, credit repair services, or other personal consumer reports

For bankruptcy public records collected through XX/XX/XXXX, XXXX obtained information about bankruptcies from a third-party vendor, LexisNexis. Due to an error on my credit report, the bankruptcy was found to not belong to me and someone of a similar name. On XX/XX/XXXX, I filed a dispute to omit the erroneous bankruptcy of my credit report. The bankruptcy came back on XX/XX/XXXX as " Verified '' although there is no Bankruptcy on my Lexis Nexis Consumer Report and a court-sealed certified document showing a name that is not mine and dates that contradict when the bankruptcy was served and filed ( Certificate of Service ).

After providing sufficient evidence that the Bankruptcy is not mine through Court Sealed documents and my Lexis Nexis Consumer report on XX/XX/XXXX via USPS postal mail via tracking number XXXX showing no Bankruptcy on my Lexis Nexis Consumer Report and a court-sealed certified document showing a name that is not mine and dates that contradict when the bankruptcy was served and filed ( Certificate of Service ). XXXX verified the Bankruptcy as Verified from Lexis Nexis on XX/XX/XXXX despite no Bankruptcy ever being on my Lexis Nexis Consumer Report. 

As well, they did not state who they verified who they sourced this public information from.
Product: Debt collection

Subsequent to an Eye care visit covered by Insurance ( XXXX Veteran ) XXXX alleged a debt of {$270.00}. They reported to Credit reporting agency in XXXX. In XXXX PlusFour Inc. is attempting to re-age debt and refiled with Credit reporting agency.
Product: Payday loan, title loan, or personal loan

There was a credit builder loan that was received in my name that states that the loss on the loan that was reported on my credit report was a write off of {$500.00}. That amount of money was never dispersed to me. The amount that they are collecting is the amount that I received, {$120.00}. When I attempted to cancel the loan, they refused to do so and continued to try to draw money from the account that was connected to the XXXX XXXX loan. Today I spoke with the company concerning the report on my credit, stating that it was incorrect and they continued to tell me that I signed a contract. It was stated to me that the matter would be escalated, but I am unsure as to what that will actually do. Date open XX/XX/2021 Status updated XX/XX/2021, last payment date XX/XX/2021. I have never received or used the {$500.00} that they are stating was loaned to me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within 4 business days , pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached document for reference to the facts of this case. Equifax has grossly and willfully caused damages and injury to the Complainant in numerous ways encompassing a violation Federal Law - i.e., by knowingly violating the relevant provisions of the FCRA repeatedly with a blatant disregard to the rights guaranteed the Complainant. 

It is now XX/XX/XXXX, and since XX/XX/XXXX, Complainant has submitted AT LEAST 7 consumer disputes of inaccurate information, and subsequent requests for the method of verification in each instance, totaling at least 7 DISPUTES of INACCURATE information being held and disseminated FOR PROFIT by Equifax. 

Equifax willfully, knowingly, and without being able to show true verification or validation of ANY of the disputed information, has and continues to violate the provisions of the FCRA to the direct injury of the Complainant. NOT ONCE has Equifax, since XX/XX/XXXX, shown or provided at the request of Complainant, supporting documentation or otherwise evidence required to permit the disputed information to REMAIN on the credit file, therefore it MUST be deleted IMMEDIATELY based on this repeated failure alone. 

Complainant is seeking assistance to COMPEL Equifax to OBEY FEDERAL LAW and immediately, without further undue DELAY under the guise of an " investigation, '' to promptly DELETE EVERY DISPUTED ACCOUNT at issue that is outlined in the attachment.
Product: Bank account or service

On XXXX XXXX, 2015 I tried to deposit XXXX checks into Bank of America 's ATM ID # XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The ATM made all kinds of crazy sounds, took my XXXX checks in the amount of XXXX, XXXX and XXXX totally XXXX. ATM gave a message of something like ERROW and kept my XXXX checks. The ATM did spit out a receipt stating " We apologize for the inconvience. We are unable to process your request and can not return your items. I have the receipt if needed? 

Bank of America 's claim number is XXXX, I spoke with XXXX in ATM Fraud Dept. 

Today I call Bank of American 's Customer Service number on the back of my Debt Card twice. After going through all the phone prompts, a message came on saying " due to unforeseen circumstances we ca n't take your call ''. Then the phone call is disconnected. 

I want the XXXX checks found in this ATM and my account needs to be credited XXXX.
Product: Debt collection

Hunter Warfield  have not verified debt accurately. I never signed a contract with them or  XXXX   XXXX , my contract was with  XXXX   XXXX  but  Hunter  is reporting to my credit report as owing {$4500.00}.
Product: Payday loan, title loan, or personal loan

I had a payday loan that was do on XX/XX/2019 for {$500.00} with check n go XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I contacted the manager XXXX because my payroll check was short two due to a payroll error. I explained the situation to him and told him that i would have to come in next week because i did not have enough to pay and rewrite my loan.He told me he could not guarantee to hold the check. I told him the money is not there and i am trying to let them know i will be in next week. He said he would call district manager and call me back. He did not call by XXXX XXXX   so i called him back he stated that he spoke with his district manager and he said as a one time courtesy that he would honor it. I told him i would definitely be in next week to pay. I told him if they pay it Monday i would be in but if not definitively on my payday that Friday. I called to give a follow up XX/XX/2019 letting him know i still was not able to borrow but would be in on Friday XXXX said OK never said anything about sending it into the bank. This morning XXXX 2019 my account was overdrawn because he sent the check in. I called him when they opened at XXXX and asked him to have his district manager to call me. He stated that he was the manager i told him i did not wish to speak with him and to have his district manager to call me. He then stated that his district manager was  on PTO. I then asked for a number to there corporate office he gave me the wrong number twice. When i called the number it was asking am i a home owner. I told him i would call another location and get the the number that was given to me was a customer feedback number no where to really speak with no that could help. The gut typed in my feedback and that was all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I have sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. It has been over 30 days they should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account numbers XXXX, XXXX, XXXX, XXXX violated my rights. 15 U.S.C 1681 602 A, states I have the RIGHT to privacy.. 15 U.S.C 1681 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions