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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry :XX/XX/2023 Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry :XX/XX/2023 Please remove it from my credit report.
Product: Consumer Loan

CAPITAL ONE AUTO MADE A HARD INQUIE ON MY CREDIT WITH OUT MY CONSENT
Product: Debt collection

Back in XXXX of XXXX. I ran into a breach of peace and enjoyment at the current property due to a mold issue. I was advised that I could cancel the lease without penalty by the GM of the company ( XX/XX/XXXX Via email ). Long as I turn in keys and sign a specific waiver. At the move out time ( XX/XX/XXXX ) of me turning in my keys. No waiver was left for me to sign, I had sought legal representation prior. Due to them not trying to help resolve anything, giving me the hardest time and continuing to drop the ball. I was contacted via email on XX/XX/XXXX that the waiver was ready for me to sign. Iwas no longer in the area and I advised them to send it to my Lawyer to review and I never heard anything else back but I'm now seeing a collection on my credit in the amount of {$4700.00}. I need this removed from my credit asap. This can possibly hinder me from being able to move. im not sure if it was filled as an eviction or what.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   dob   XX/XX/XXXX  SS #  XXXX   X/X/XXXX  Transunion and    XXXX   and  XXXX  will not investigate the correct my credit report.     I have send them many letters to correct my  XXXX  account and they have failed to do so, so I am submitting docs the prove my account with  XXXX  is closed and has a   XXXX   balance.
Product: Credit reporting or other personal consumer reports

XXXX indicated that they had no information on the opening of the account the emails I received had the last 4 digits of the card and I was told there was no such card. I would like to get the hard inquiry off of my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out on XX/XX/2021 capital one charge on my report. This is fraud charge. I never opened any accounts with capital one. I called them and sent letter to them back on XX/XX/2021 to advised them it's a fraud. I still have not heard from them yet.
Product: Debt or credit management

I was charged upfront fees and other random fees and no services given
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 accounts on my credit report that do not belong to me I have not applied signed or authorized these accounts I need them off my credit report asap!!! 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX  '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Charge-Off Status and Balance Discrepancy The account is reported as " charged off '' with a balance of {$0.00} while also showing a " {$19000.00} written off. '' This is contradictory and violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. 
Incorrect Payment History My report shows inconsistent delinquencies, such as " ND '' ( No Data ) in XXXX and XX/XX/XXXX, yet " CO '' ( Charge-Off ) appears before those dates. This timeline is inaccurate and misrepresents the true payment history. 
Unverified Ownership and Transfer of Debt The account was allegedly sold to " XXXX XXXX XXXX XXXX. '' However, there is no documented proof that this company has legal authority to report on this debt under 15 U.S.C. 1681s-2.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account. 
Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

My son is a XXXX individual who can be easily taken advantage of in this case there was numerous forms of fraud committed on his account excess use of his card being used on an XXXX  account which he doesnt have when I found out about the charges I contacted the unemployment development department And Bank of America XXXX card services to file the claim and open up an investigation they provided us with a new card for my son and also put a provisional credit on his card on XX/XX/2020 my son went to use his card and it was declined at the grocery store when we called the card To see why it was being denied we found out by the automated system that his account was negative over {$6000.00} and that was the amount that had been compromised I contacted the claims department and they directed me to contact the unemployment department I did just that however they had nothing to do with that money Bank of America Prepaid card services had reversed the charges after they sent me a letter that they had found the claim to be in my sons favor when I spoke with the representative she in fact stated that they had a right to do that is to my understanding that once there is a decision made they can not change that decision I had called back because I was hung up on was left on hold for three hours To be told that they were going to send this over to the claims escalation department and remove and reverse the charges however the representative I was speaking with was rude and seem short and all of a sudden once again my car got disconnected by the time I called back that department was closed and I had to wait until Monday to try to call back to rectify the situation which I did was on holdFor two hours just to be told that they were going to escalate the issue again and make their decision and I would receive a letter in the mail Im not understanding why they would have to submit another claim to rectify the situation when I already had gotten a letter that they had found it in my sons favor with that being said the money that has been deposited onto his card is also being take him back and he has not been able to pay his rent or bills since XX/XX/2020 I asked him when this situation will be rectified and I was told That I would get a letter in the mail frustrated and upset with the overall situation I gave up I am looking for some assistance to obtain my sons money back considering this is his only source of income during these hard times
Product: Checking or savings account

I am emailing in regards to cash app changing my account and routing details without informing me. I had my tax refund linked to my XXXX XXXX XXXX account. The other day it just automatically changed to XXXX XXXX XXXX account. How am i suppose to get my tax refund? I've moved out of the state in which i filed, that is why i had it sent DD instead of a paper check. Now because of this change without my consent or giving me a heads up, my tax refund won't get to me until god knows when. Also my last DD for my job has to be mailed also because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX  XXXX. The information is all different on each of the XXXX credit bureaus. The payment status and past due amounts are all different.
Product: Mortgage

I recently had my old mortgage lender ( XXXX XXXX XXXX XXXX, IL ) sell my home loan to Citizens First Wholesale Mortgage Co. Their address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and phone is XXXX. We have tried several times in XXXX XXXX to get in touch with Citizens First about taking an automatic draft payment from our checking account every month as XXXX XXXX did. They never returned our calls for a couple weeks so we kept calling them back. Finally they did say the first month they needed a check so we sent them XXXX for XXXX. After that they would set up our payment to come out on the XXXX of every month. As of XXXX XXXX our payment of XXXX has still not come out. My husband called last week to find out what was going on and they said they transposed some numbers and our payment would be automatically drafted out in a couple of days. He spoke with someone named XXXX XXXX  week later it still has n't come out. I called them this morning to find out again why it was so difficult to take our money and I do n't want to have any late charges against me. An answering service answered and said they are not accepting calls and lots of other people are mad that no one has returned their calls either. This is crazy that I ca n't get the mortgage company to take my money, do what they say or not even be able to speak with someone from Citizens First now about my mortgage. I am worried about them trying to charge me late fees or having to pay a mortgage payment twice. What kind of fly by night operation is this?
Product: Credit reporting or other personal consumer reports

I am exercising my consumer right to dispute information on my credit report on the grounds of Metro 2 reporting standards, and Fair Credit Reporting Act ( FCRA ), Sections 621 and 623 compliance. This is the second attempt in writing to dispute this information with my original request sent via USPS-certified mail on XX/XX/2023. I have highlighted the six accounts in dispute including the furnisher, bureau, field, and error. 

The FCRA stipulates data furnishers must report data that is accurate, consistent, and complete. Industry standards including Metro 2 are also applied to ensure consistency and accountability between consumers, furnishers, and reporting agencies. As shown, neither standard is being adhered to. 

There are multiple instances on each of the six ( 6 ) accounts where the data being provided is not complete, nor consistent across the three bureaus ( Equifax, XXXX, and XXXX ). In total, 14 data fields marked as required, per industry standards, are not populated. Furthermore, there are approximately 30 data fields with inconsistent or inaccurate information. It is generous to say the data being furnished is not accurate, consistent, or complete. 

The Maine Bureau of Consumer Credit Protection has its statutes for fair credit reporting and enforces the following actions concerning disputes : Maine law requires that the investigation be completed by the bureau within twenty-one ( 21 ) calendar days. ( Federal law is less specific, requiring that such investigations be completed within a reasonable period of time. ) If at the end of that period you are proven correct, or if the original information can not be verified, the bureau must remove the information from its records. It can not reinsert the information at a later date, unless it is first verified. After the credit bureau completes its investigation, the law requires that it notify you immediately of the results. 

The Consumer Data Industry Association ( CDIA ) has specific guidelines related to accuracy/integrity, consumer disputes, and reporting guidelines for specific accounts. Copies of these guidelines have been included for reference and again, are not being adhered to. 

In summary the information contained in the disputes sent on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, has not been verified, nor deleted within the given time frame defined on both state and federal levels. My request to review the information used to verify accounts has neither been granted nor acknowledged. This is a direct violation of my consumer rights. 

I am therefore demanding each of the six ( 6 ) disputed accounts be removed, not updated, immediately from each report at the three major reporting bureaus. Please be advised that failure to uphold your obligations as a consumer reporting agency will result in civil litigation and possible sanctions or fines from both state and federal regulators. 


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

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX AV XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX. XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1600.00}.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and I don't recognize any of them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Respectfully, the purpose of this complaint is to have CFPB investigate XXXX XXXX XXXX-based Select Portfolio Servicing online mortage payment system should it be revealed that other consumers within XXXX, or nationwide were similary negatively impacted. In XXXX our family was unable to fully benefit from our CARES Act Economic Impact Payment that was directly deposited into our banking account. SPS 's online payment system automatically defaulted and deducted {$2300.00} from our account, while I was attempting a prinicipal and interest only payment of {$960.00}. This is the second time that SPS 's online system defaulted on a payment beyond my intended payment. The online payment system double charged us for two mortage payments totalling {$2600.00} on XX/XX/2019 as well. Please refer to documentation attached in Step # 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. I have no knowledge of this account and it shouldn't be on my account.
Product: Consumer Loan

Auto loan closed and payoff ans dhow open with XXXX and XXXX, balance is XXXX and need to be removed immediately from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing theis because Equifax has been reporting inquiries to my consumer report that I do not recognize. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they be removed with no results from agents on the phone. I intend to pursue legal action against Equifax if they continue this illegal reporting of these unauthorized inquires to my consumer report. I have also filed reports with the FTC, CFPB and the XXXX. The following inquiries need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish credit reports under specific circumstances and with the explicit authorization of the consumer. I did not authorize the following inquiry, and therefore, it should be removed from my report. 
The inclusion of this unauthorized inquiry violates several laws that protect my personal information and ensure the accuracy of my credit report. Specifically, the following laws apply : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations can have a significant negative impact on my creditworthiness and financial standing. I request that you take immediate action to investigate and remove the unauthorized inquiry from my credit report. 

To support my request, I have attached a copy of my identification and proof of address. Once the inquiry has been removed, please send me a copy of my updated credit report reflecting the correction. 

Thank you for your prompt attention and assistance in resolving this matter. 

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

Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY. 

Also, I, XXXX XXXX, never gave XXXX any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following accounts : XXXX XXXX XXXX  : Account # XXXX Account status incorrect : Date of Last activity incorrect which shows that the account has been reaged. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX XXXX : Account # XXXX Account status incorrect. Date of Last activity incorrect which shows that the account has been reaged. This is a violation. Account showing as a chargeoff and it also shows a balance. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX XXXX XXXX Account # XXXX Date of Last activity incorrect which shows that they keep reaging the account. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX Account # XXXX XXXX account still showing a balance. This is a violation. Date of last activity is incorrect which shows that the account has been reaged. This is a violation Please delete this from my consumer report. 

XXXX XXXX Account # XXXX Charge off account still showing a balance. This is a violation. Showing profit and loss but I never received a 1099C. High credit limit not showing correct with all 3 bureaus. Date of last activity incorrect which shows that the account has been reaged. This is a violation. 
Please delete this from my consumer report.