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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert from Experian that a hard inquiry occurred on my file from XXXX XXXX I called them to dispute it and they recommend that I also file a complaint with the FTC.
Product: Debt or credit management

Dear Credence Resource Management, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws. 


**1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized accounts include XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$530.00} also attached is police report made that was sent to all companys
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Consumer Reports and noticed that I had several late payments on accounts I've never been late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of there ability with complete accuracies. I have never been late for payments on accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof by the provisions set forth in Consumer Protection Laws. That these payment were late. If proof can't be provided please update these late payments to Payed As Agreed Never Late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX US DEPT ED Account Number : XXXX 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: Debt collection

I have been contacted by a debt collection company ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX to collect a debt to XXXX XXXX This is not my debt, when I called XXXX XXXX with the account number nothing came up on their end, so I believe this XXXX be a fradulent attempt to collect a debt that I had no incurred. 

Additionally, I was contacted by XXXX of XXXX, somebody used my drivers license number and information ( but an incorrectly spelled name ) to rent equipment that was not returned. I have never rented from XXXX so I believe my identity has been compromised.
Product: Credit reporting or other personal consumer reports

Subject : Inaccurate Reporting and Lack of Notification Regarding Debt I am disputing the inaccurate amount reported by the collection agency, which does not align with the actual companys records. Additionally, I was not properly notified of this debt until XX/XX/XXXXXXXX, despite the service being rendered in XX/XX/XXXX. I request validation of this debt. ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), which states : " A consumer reporting agency shall, upon request, provide an itemized statement of the nature and amount of the charges for the requested disclosures under this section. ''
Product: Credit card or prepaid card

I will refer to XXXX/CitiBank as a single entity as both parties are responsible and neither has taken any action to correct the issue. In XX/XX/2018 I was charged a {$2.00} fee on an Instore XXXX   credit card by CitiBank. I had not used the card in some time and was unaware of the existence of any fee. Without making a single purchase the fees kept compounding and eventually reached a balance of {$220.00} dollars. The entire amount was based upon late fees that originated from a {$2.00} dollar fee issued by XXXX. XXXX made no attempt to contact me and alert me of the fee. My XXXX card was closed and I received a negative credit report that subsequently decreased my credit score. 

As soon as I became aware of the beforementioned excessive balance I paid it off despite the fact that the fees were not valid. I paid it off in attempt to limit the damage done to my credit. I attempted to get assistance in correcting the fees from both XXXX and CitiBank but neither provided a resolution. After doing some research it appears this is a common issue with customer of XXXX/CiitBank. I saw numerous similar reports on the Consumer Financial Protection Bureau website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, despite being warned months before, did not keep their security up to reasonable standards and my information was accessed by an unauthorized third party. Rather than notify me directly, I had to see it in the news and do my own research to find out that I was indeed affected.
Product: Mortgage

Hi, My previous mortgage company didn't pay any taxes for fiscal year XXXX ( XXXX nd XXXX of XXXX and XXXX and XXXX of XXXX ) which resulted in a lien on my property and a interest and other charges of {$740.00} I have an escrow account and they never mentioned that they are not paying or failing to pay my real estate taxes. 
I now paid all the outstanding dues and now have to go through the process or removing the lien. I would truly appreciate if you can help with this issue. 
Attached is the 1098 from my previous mortgage company ( they transferred it to a new mortgage company starting XX/XX/XXXX ). Also a statement from the city outlining the payments I made and an excel highlighting the amounts. 

Company : The money source Account # XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : Incorrect Information to Be Removed : Incorrect Names : XXXX XXXX  XXXX. 
XXXX XXXXXXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Current Employer : Ohio XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and I am aware that this company isnt following the regulations of the Fair Credit Reporting Act. Please review the attachments to see my demands.
Product: Mortgage

On XX/XX/2023 XXXX and I were arranging a closing date to sell my house. We were scheduled to close XX/XX/2023. On XX/XX/2023 I received the following email from XXXX : XXXX, We are waiting on a payoff from Bank of America ( who is the primary servicer for your HUD loan ) that is currently being worked on with their research department. I am told this could take up to 10 days business days. I am able to call on Monday for an update and will let you all know at that time if we will have it in time for Tuesdays closing or if we will need postpone closing. I will keep you in the loop. Sorry for the bad news. Since XX/XX/XXXX between XXXX and I at XXXX  we have been on the phone with Bank of America, HUD and XXXX, ( where my loan is currently ) for several hours trying to get someone to release the lean on my mortgage in order for the title to be obtained so XXXX has the correct payoff amount and we can go forward with the closing on my house. On XX/XX/XXXX I was also told by HUD to make a portal with then and I could receive the information that way. Below is the email I received from them : XX/XX/XXXX Thank you for contacting the FHA XXXX XXXX, RE : Partial Claim - a HUD lien payoff request Dear XXXX XXXX, Thank you for contacting the FHA XXXX XXXX regarding a HUD lien payoff request. Your Service Request Number is XXXX. The information below is being provided to XXXX XXXX XXXX, Your SMART Integrated Portal account request was denied : We do not have record of any outstanding partial claim/loan balance for this property. If you believe there should be, please contact your mortgage servicer. XXXX XXXX if you have further questions. Please contact XXXX if you have any questions or concerns. Thank you, HUD XXXX Customer Service This is an automated message from the XXXX XXXX XXXX XXXX. This email was sent on Friday, XX/XX/2023 on XXXX XXXX All 3 business state they have no record of this and they all keep telling us to call the other business for the information. We have been going in circles and I was told today that I need a real estate attorney to get this done. This is costing me money I don't have with needing an attorney and still having to pay for my house since we can't close. Is there anything else I can do in the meantime to try to expedite this? Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts balances are incorrect, and some accounts are outdated past 7 years. Accounts are being sold to other collection agency and still showing on my credit report, when it should not be on my credit report. Dates, balances and late payment status is incorrect. When I dispute the info that is incorrect, it's never resolved.
Product: Mortgage

On the date of XX/XX/XXXX I received a Required Information Notice from SPS : Pension Income- Primary Customers documents received is missing the pay/benefit amount. As can be seen on my XXXX XXXX XXXX Funds, .I NEVER had a Pension and the balance as of XX/XX/XXXX is {$0.00}. Clearly outlined on the entire statement emailed to SPS on XX/XX/XXXX. On the date of XX/XX/XXXX I received a Required Information notice from SPS. Action Required : For Primary Customer which is XXXX XXXX Bank Statements received are NOT CONSECUTIVE. Notice my bank statements Numbers 1 and 2. The Statement Period for number 1 - XX/XX/XXXX - XXXX XXXX. The Statement Period for number 2 is XX/XX/XXXX - XX/XX/XXXX, XXXX.As can be seen is not only are the bank statements in CONSECUTIVE ORDER, These bank statements were emailed to SPS on XXXX date of XX/XX/XXXX. SPS is also stating that on My grandsons bank accounts which was emailed to SPS on XX/XX/XXXX that XXXX deposit of his Social Security XXXX is not included - another lie. The statements for statement period XX/XX/XXXX - XX/XX/XXXX and statement period XXXX XXXX - XX/XX/XXXX clearly has documented deposits of XXXX Social Security Deposits on XX/XX/XXXX - and XX/XX/XXXX. This company lies, deceives and uses manipulation against consumers. In a attempt to make it seem as if documents were not received, I ensured my documents were dated and copied due to the lies SPS continues to make it seem as if I have missing documents when in fact ALL my documentation has been emailed. This company is refusing to grant my modification due to not wanting to lower my interest rate and hoping I just give up. As you can see CFPB this is this companys continuing practice and not going by the Federal Government specifications. Notice the pattern of Missing Documents Already Sent.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the Reporting Agencies reported on my Acct : XXXX, late payments. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report is not included on the consumer reports yet they are reporting this information to my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response as of yet. I feel like I am being taken advantage of and being ignored of my disputes section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX closed my account. And that's fine. The statement close date is usually the XXXX of each month. I recently paid the card down to XXXX XXXX XXXXXX/XX/XXXX and the card is still showing a balance on my credit report. 

They normally would post the statement if there was a balance on it. But i find it odd that now there is no balance on it and it's going on 2 months that the same information is being reported on my credit reports about a card that has been paid in full for a while now.. 

I called the company and they told me to call the credit bureaus. I call the credit bureaus and they tell me to call the company. This is insane that this is remaining on my credit report and is paid in full. It's damaging my credit profile.
Product: Credit reporting or other personal consumer reports

I never had an account with the company on my credit report, but they are reporting that they are.
Product: Debt collection

I C Systems at IC System Correspondence XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$270.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax security breach, and using their online process to freeze my account, I put the freeze on it, and then their system was supposed to generate a PIN for me so I can unfreeze it later. The system did not generate a PIN, instead I got a system error message. When I called their help desk dedicated to the security breach, it is outsourced and the call center representatives do not have the ability to respond to technical problems. They refer you back to the general equifax number. That is an automated message that does not include an option to get technical support related to the cybersecurity breach and freeze requests. So, there does not appear to be a mechanism for consumers to resolve technical problems with equifax related to their failed system for freezing credit scores/accounts. 

I think CFPB needs to come down pretty hard on Equifax for failing to provide adequate technical support to people who are experiencing problems with freezing their accounts, getting their PINs, etc.
Product: Checking or savings account

XXXX XXXX XXXX made unauthorized debits from bank account from XXXX XXXX to XXXX XXXX for a total amount of {$31000.00}. The bank was notified and requested immediate investigation and action, to stop this company to withdraw/debit money from account, and immediately close account and associated debit card. XXXX XXXX XXXX company was notified of the unauthorized multiple debits from bank account and to stop withdrawing money from this account ; and to refund immediately the total amount of {$31000.00} for unauthorized debits to bank account performed by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

You stated that you did you investigation on XXXX XXXX XXXX as they are reporting negatively on my credit report but where is your proof of that verification? Pursuant to 15 usc 1681a ( e ) whom have you interviewed? I want for you to provide me the actual facts of whom you have interviewed regarding this alleged debt because the definition of an investigative consumer report says you shall obtained information through personal interviews However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. I am requesting proof of this. If you can not provide proof of the interviews you conducted within your investigation you said you did on XXXX XXXX XXXX then you shall remove XXXXXXXX XXXX from my credit report immediately. According to 15 usc 1681i ( 5 ) ( A ) ( ii ) you shall promptly delete that item of information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX XXXX Account number XXXX I have attempted to file a dispute to have all collections items removed, some of the the items where removed, not all of them. I was a victim of Identify thief.
Product: Debt collection

Subject : Formal Dispute and Demand for Deletion of Unverified Debt Violation of the FDCPA & FCRA To Whom It May Concern, I am writing to formally dispute the validity of the debt you are reporting to the credit bureaus under my name. This account is currently appearing on my credit report and is severely impacting my ability to obtain credit and secure stable housing for my family. 

Upon review of my records, I have not received any prior communication from your company regarding this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector must provide written notice of a debt within XXXX days of initial communication, including the amount of the debt and the name of the original creditor. Failure to do so constitutes a violation of my consumer rights. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, a furnisher of information must ensure that any reported debt is accurate, complete, and verifiable. You are also required to conduct a reasonable investigation if a dispute is filed. Since you have neither provided proper validation nor obtained my express consent to report this debt, you are in direct violation of the FCRA. The legal precedent in XXXX XXXX XXXX XXXX XXXX, 605 F.3d 665 ( 9th Cir. 2010 ) establishes that a debt collector can not furnish information to credit reporting agencies without a permissible purpose. 

Given these violations, I demand the following : 1. Immediate cessation of reporting this unverified debt to the credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Deletion of this account from my credit reports due to failure to provide validation in compliance with federal law. 
3. Written confirmation that you have ceased collection activities and removed this account from my credit file. 

Failure to comply with these demands will result in the filing of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. Additionally, I reserve the right to pursue legal action against your company for violations of the FDCPA and FCRA, which could result in statutory damages, attorney fees, and other legal remedies. 

I expect a written response within XXXX days of this letters receipt. Please consider this notice as a formal dispute under both the FDCPA and FCRA. Any further reporting of this debt without proper validation will be seen as continued non-compliance and subject to legal consequences.