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

I have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. I have over XXXX accounts and inquiries that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) Experian assumed this role and my direct written instruction/permission was never given. Experian is in violation of my Right to Privacy according to 15 USC 1681 4. Experian did not exercise its grave responsibility, was unfair and was partial. Furthermore, Experian did not have a permissible purpose under 1681 b 2. I never instructed Experian to furnish this report and I never consented to this report in the first place. Furthermore, actual evidence of documentation has not be provided when requested after previous disputes. I am demanding that all of these accounts and inquires be deleted from my report and file along with my phone number and all inaccurate names. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted
Product: Vehicle loan or lease

I initiated a new car lease with XXXX XXXX on XX/XX/year>. XXXX requires customers to pay some amount upfront before even sharing a preview of the lease agreement. This amount, called " due at signing '' is typically a combination of the first month payment, applicable taxes, documentation fee etc. I paid the due at signing amount of {$4400.00} before initiating the lease- this was a combination of the initial {$1000.00} deposit that XXXX requires to start the leasing process and the incremental {$3400.00} that XXXX said was due at signing. 

XXXX, for some bizarre reason, only gives the paper work the night before delivery. In the paperwork, the amount due at signing was lower- it was {$4300.00}. In good faith we assumed that XXXX, or Chase Bank who is the auto loan provider for XXXX XXXX XXXX, would refund us the {$170.00} that was incorrectly charged and adjust it in the form of a lease payment or issue a refund. I have been following up with XXXX for almost two months but there has been no helpful response. There have been two unhelpful responses but mostly all other email inquiries have gone completely unanswered. I first reached out to them on XX/XX/XXXX, gave them all screenshots and documentation proof on XX/XX/XXXX, but today it is XX/XX/XXXX and there is absolutely no indication that XXXX or their banking partner Chase are even working on this. 

Further, XXXX has no ticketing system and no escalation system. Their processes are so poor that everything is tracked over email so there is no recourse but to keep following up over email ( which goes into a blackbox ). I'm forced to lodge this formal complaint given the poor business practices, unfair fees, and lack of professionalism demonstrated by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested removal of inquiries on credit reports from the following companies that pulled my credit files without authorization or proof that I gave permission. None of the companies responded, I submitted two different disputes with XXXX, however XXXX refused to reply or remove the inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting a formal complaint against XXXX XXXX XXXX XXXX for their illegal attempts to collect a debt that is not mine and their ongoing violations of consumer protection laws. This debt, reported as {$700.00} owed to XXXX XXXX XXXX has been placed on my credit report, but I have never conducted any business with either XXXXXXXX XXXX  XXXX XXXX XXXX, nor have I signed any contract or agreement that would make me liable for this amount. 

I first disputed this debt, citing the fact that I did not owe it and requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I specifically requested proof of the debt, including a signed contract or agreement, and an itemized statement showing how the amount was determined. After this request, the collection was deleted from my credit report as it was not validated. 

However, despite the deletion of this invalid debt, XXXX XXXX has reinserted this account onto my credit report without providing any verification of the debt. This is a clear violation of 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which requires that any reinserted information must be fully verified and legally justified before being reported.

In addition, I am invoking my rights under 15 U.S.C. 1692c ( c ) of the FDCPA, which prohibits any further communication from a debt collector once I have requested that they cease contact. XXXX XXXX has disregarded this by continuing to report the debt to credit bureaus and making indirect contact through collection activity, violating my right to cease communication. 

I am requesting that the CFPB investigate this matter and enforce compliance with federal consumer protection laws. Specifically, I seek the following : 1. Immediate removal of the fraudulent debt from my credit report by XXXX XXXX. 
2. An investigation into their failure to cease communication, as required by the FDCPA.

3. Action taken against XXXX XXXX for violating consumer laws by re-reporting an unverified debt and continuing to contact me after my explicit request to cease all communications. 

This ongoing issue has caused significant distress and damage to my credit, and I seek your assistance in holding XXXX XXXX accountable for their illegal actions. 

Thank you for your attention to this matter. I trust the CFPB will take appropriate action to address these violations and ensure that my rights as a consumer are protected.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The EXPERIAN and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00}
Product: Mortgage

On XX/XX/XXXX my doorbell camera filmed a man taping a notice to my door to contact my mortgage company Village Capital urgently! So I did, and I was told that my XX/XX/XXXX payment had not been received. My payment is automatically drafted from my checking account on the XXXX of each month, and I have a monthly statement from Village Capital showing that my payment had in fact been received on XX/XX/XXXX. 
After being put on lengthy holds and speaking with numerous frontline representatives about this, I was finally able to speak with Supervisor XXXX XXXX who informed me that my Original Loan Amount of {$350000.00} was incorrect and that the Loan Amount was being changed to {$350000.00}. The Loan History that I am including shows the loan starting over a year ago with the amount of {$350000.00}. Thirteen timely loan payments have been made since then. The Loan History also shows that on XX/XX/XXXX that {$540.00} was added to my Principal. 
XXXX XXXX informed me that an audit was done and that my original loan amount should have been {$350000.00}. He had the loan department send me a Closing Disclosure with that amount on it dated XX/XX/XXXX. I've sent Village Capital 's loan department a Corrected Closing Disclosure that was e-signed on XX/XX/XXXX prior to the Loan Funding on XX/XX/XXXX with the dollar amount of {$350000.00} that the loan began with. 
While I have spoken with Supervisor XXXX XXXX on numerous occasions, he has informed me that he can not make any changes on my account and that I would have to speak with someone in the Loan or Loss Mitigation Department. He tells me that he has sent numerous emails ( 5 ) to that department for someone to call me and discuss this error with me, but as of today XX/XX/XXXX No one has called me! Supervisor XXXX XXXX tells me it's out of his hands and that he can not understand why nobody has contacted me from the Loan/Loss Mitigation Department XXXX 
If I could talk with someone from that Department, I would let them know that the reason for the Corrected Closing Disclosure was that the original Homeowners Insurance was quoted too high in the amount of {$220.00} a month and that it was corrected to {$110.00} per month, a difference of {$530.00} which is ironically almost identical to the amount they have increased my principal by ( {$540.00} ).
Product: Mortgage

I had an equity loan with PNC Bank. I have XXXX different letters with XXXX different people with XXXX different dates, stating the loan has been paid of or satisfied in full. I have enclosed these as attachments. For 3 years now or more I can walk into a branch and the loan amount still shows on their system as being owed. I walked into the XXXX XXXX XXXX today and received a printout of this loan still showing as due. I have attached a copy of that. I want this info taken off the system. No one can explain why it still shows being owed. This needs to be taken care of and I 'm so tired of PNC incompetence.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number:XXXX, Consumer Date Of BirthXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that XXXX, XXXX and Experian credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. The listed items below are fraudulent, inaccurate and false informationXXXX 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 do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.
Product: Credit reporting or other personal consumer reports

I previously notified Experian of unauthorized inquiries on my credit report and submitted an FTC Identity Theft Report as supporting evidence. However, Experian responded by stating that the inquiries were verified, yet failed to provide any explanation or proof of how this verification was conducted. 

Under the Fair Credit Reporting Act ( FCRA ), inquiries must have a permissible purpose, such as for employment, insurance, a court order, or a firm offer of creditnone of which apply in this case. Furthermore, in XXXX XXXX XXXXXXXX, the court ruled that credit reporting agencies must conduct a proper and reasonable reinvestigation of disputed information rather than simply relying on automated responses. 

Given Experians failure to properly verify these inquiries, I formally request the immediate removal of the following inquiries within 7 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau Experian identification number XXXX and XXXX and XXXX reference # XXXX has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX,
Product: Debt collection

I sent a professional letter on XX/XX/XXXX.The only response I've received from them was a sample letter, including the loan application and bill for payment. I've also called three times and left messages with no response. The only time I did talk to someone, they were extremely rude and still would not answer any of my questions. However, they are still negatively report on my report. Below is a copy of my letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX ORIGINAL CREDITOR : SPEEDY CASH To Whom It My Concern : I am writing today concerning derogatory reports on my credit report. According to my credit report ; one account in is the amount of {$2500.00}, and was opened on XX/XX/XXXX. The other is in the amount of {$980.00} and was opened on XX/XX/XXXX. The latter was five years ago! I am concerned with these reports for several reasons. First, there should be only one account for Speedy Cash, opened in XX/XX/XXXX. Why are there two accounts, four years apart? Second, the one account should have been written off as part of my bankruptcy back in XX/XX/XXXX. Therefore, there should be NO account from Speedy Cash still on my credit report. Furthermore, when the other account was opened in XX/XX/XXXX, why was I never contacted? My phone number has not changed and my address has been forwarded. I could have cleared up this mater a year ago! These derogatory reports are preventing me from obtaining a first home owners loan, even though my credit score and other accounts are in good standing. I would like both these Speedy Cash accounts to be removed from my report immediately! If you refuse to do so, I will be happy to inform present and future clients just how Speedy Cash and XXXX XXXX XXXX XXXX regard their clients. Apparently, customer service is not important to you. If I need to file a report with the XXXX XXXX XXXX also, I will do so. Thank you for your time. I am looking forward to your response before XX/XX/XXXX.

Sincerely, XXXX XXXX CC : Speedy Cash Corporate Office
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX IN XXXX Email Address ( optional ) Phone Number ( optional ) XX/XX/XXXX Credit Bureau Name Credit Bureau Address City, State, ZIP Code Dear Sir or Madam, I am writing to formally dispute an item on my credit report that I believe is inaccurate. I have reviewed my credit report and identified an error, and I would like to request a correction under the Fair Credit Reporting Act ( FCRA ). 

Disputed Account Information : Account Name : XXXX XXXX XXXX / lj ross and associates/ XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX. XXXX all ] The item I am disputing is [ describe the specific error for example, a late payment that is inaccurate, an account that doesnt belong to you, or any incorrect information ]. I have attached supporting documentation, including [ mention any documents you are providing as evidence, such as a copy of your statement, receipts, or correspondence from the creditor ]. 

I request that the following action be taken : Correct the inaccurate information Remove the account if it is not Please investigate this matter and notify me of the outcome in writing. I understand you are required to complete your investigation within 30 days. If you need any further information or documentation from me to assist with the investigation, feel free to contact me. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I did not give written permission to have this account furnished on my records as per USC 1681a2
Product: Credit reporting, credit repair services, or other personal consumer reports

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

This correspondence serves to notify you that I have recently obtained a copy of my credit report published by your organization. Upon careful examination, Im writing to dispute the inaccurate information that appears in my Experian consumer report.

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681, pertains to Section 623, which addresses the responsibilities of consumer reporting agencies regarding the maintenance of accuracy. The Act stipulates that these agencies are required to report solely accurate information. Therefore, I kindly request to remove the inaccuracies from my report. 

On XX/XX/XXXX, I examined my credit report and discovered that XXXX is reporting incorrect information. Firstly, an old address, XXXX XXXX XXXX XXXX Oh XXXX, has reappeared, although I have never resided at that location. Additionally, the status of my XXXX card XXXX is incorrect. For account number XXXX, it indicates that the account was written off in XX/XX/XXXX, which is inaccurate ; it should have been written off in XXXX. Furthermore, the second XXXX card, # XXXX, has an erroneous reporting status for the period from XX/XX/XXXX to XX/XX/XXXX. I request the removal of this inaccurate information from my record. 

Furthermore, regarding my XXXX Credit card ending in XXXX, I have noticed that Experian, XXXX, and XXXX reported a charge-off in XXXX, whereas it actually occurred in XXXX. Federal regulations require the accurate reporting of information, and this company has not complied. I request the removal of this inaccurate data from my credit report. 

On XX/XX/XXXX, I dispatched a certified letter to all credit bureaus, requesting the removal of accurate data associated with XXXX. I informed them that they have 30 days to verify and eliminate this erroneous information.
Product: Money transfer, virtual currency, or money service

FridayIdepositedacheckandwastoldIneededtopayafeetoaccessmymoney.However,myaccountwasalreadyoverdraftedandIcouldn'taffordthefee.SoIcalledandwastoldmycheckwouldbeavailableMonday,whichwasalie,andothertoldmeTuesday.Pncbankisnotgoodfortheworkingpoor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name/Account Number XXXX XXXX XXXX / XXXX In accordance with the fair credit reporting act convergent accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 206 A. States I have right to privacy.

15 U.S.C 1681 Section 206 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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, credit repair services, or other personal consumer reports

Account is closed and need to be removed
Product: Credit reporting or other personal consumer reports

I call TransUnion 4-5 time and chatted with them online because there system improperly dropped my credit score XXXX in one day. I explained to them my situation and even asked to speak to a supervisor and they hung up the call because they dont want to fixed the situation. 
I have paid all my debt on time and theres nothing that states that I am late Im the past year or in collections. The customer service department has given me the run around why they believe this happened to me but when I explained to them that theirs no legitimate reason why my credits scores has dropped XXXX in one day, they hung up on me. Its very frightening and frustrating how a company has so much power and influenced in your credit that when they make a mistake they dont want to fixed it. This affects my entire life because unfortunately we are judge by our credit score more often than anything else. 

Unfortunately this has happened to me before and TransUnion has been able to help me in the past but this time is a huge loss on my credit. The only credit company thats has dropped my score this month has been TransUnion. Their customer service is horrible.
Product: Credit card

I am a loyal customer at AMEX from 1993. I Opened a new AMEX XXXX XXXX card and I decided last month to enroll it in auto pay. I got the confirmation. Today I received a note that my account is delinquent and they increased my rate, because the auto pay kicks in only after a month. In this way for the people busy ( like myself ) who do n't read a lengthy autopay confirmation that states this, it is a trap to increase their rate. This should be stopped, and forced these companies to remind you this if you did n't pay the dues before the autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX RE : Social Security Number : Last 4 of SSN XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX 2. XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX