23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I mailed a certified notarized contract along with a US post office money order in the amount of {$200.00} to settle the account with Capital One Bank. The contract clearly stated that cashing the above referenced check was an agreement to the terms in that contract and the terms written on the money order as well. Capital One Bank received the check on XX/XX/2020 at XXXX XXXX and cashed said check soon thereafter according to the US Post office website. 
By not complying within the 30 days of the original contract on XX/XX/2020, Capital One Bank is in violation of the contract terms and I am hereby requesting that you hold them responsible for their actions and make them fulfill the contract as listed below : 1 ) Show the above mentioned account as paid in full 2 ) Remove any and all derogatory reporting from any and all credit bureaus including XXXX. XXXX, XXXX, and any others you're currently reporting to. 
3 ) All collection attempts & activities shall cease immediately 4 ) You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ) If you dishonor this contract or violate its terms. you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a cognitive contract and you agree to summary judgement against you. 
Thank you so very much for your help and your time with this matter. I know your time is very valuable.
Product: Credit reporting or other personal consumer reports

Dear [ Equifax/XXXX XXXX  I am writing to formally dispute the inclusion of multiple inaccurate and unauthorized accounts on my credit report. Specifically : 1. An account reported by XXXX XXXX XXXX ( XXXX ) regarding a vehicle loan. 
2. An account reported by XXXX XXXX, which I have never had any dealings with. 

I have never opened an account with either XXXX XXXX XXXX or XXXX XXXX, nor have I had any financial transactions or agreements with these institutions. The reporting of these accounts is false, unverifiable, and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

As per the FCRA, you are required to ensure all information on my credit report is accurate and verifiable. Failure to do so constitutes a direct violation of federal law. These accounts can not be verified because they are fraudulent and do not belong to me.

Demands : 1. Remove these accounts from my credit report immediately and ensure no further reporting from these institutions regarding these accounts.

2. Provide written confirmation of the removal of these accounts within three ( 3 ) days of receiving this letter.

3. Cease reporting any negative or unauthorized information about me from XXXX XXXX XXXX, XXXX XXXX, or any related entities. 

Failure to act within the specified timeframe will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing legal remedies. 

I have attached a copy of my credit report highlighting the disputed accounts for your reference, along with the required proof of my identity, including a government-issued ID and utility bill. 

Please treat this correspondence as a formal and urgent dispute. I expect a resolution within the next three ( 3 ) business days to avoid further action. 

Thank you for your immediate attention to this matter. 

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

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$2300.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... XXXX XXXX {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my XXXX, experian and XXXX reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Product: Credit reporting or other personal consumer reports

Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on your reports are so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/year>. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. Any public records or collections should be gone if they show via the companies validation & awareness.XXXX is the only one that has it all 100 % correct as of this date BUT even their XXXX service is completely off. Next will be a notice of suit & Remedy. This will be my final attempt and warning. Certified mail with tracking was sent as well as on-site updates.
Product: Credit card or prepaid card

I purchased a ring from XXXX on XXXX in the amount of XXXX. I never received the ring and contacted XXXX. They told me XXXX delivered the package on XXXX! I was sent a copy of the signature and it was clearly not my signature and my last name was spelled incorrectly. I was told it would take 90 days to get this resolved and told to contact the police, which I did and get a report, which I did. After numerous phone calls and correspondence over 2 months I was told by XXXX they didn't find anything wrong with the shipment and that I needed to pay for something I never received! They told the police I had filed missing deliveries 8 times in the past 2 years, which is a lie. I pulled up my transaction history and it shows all of my purchases, payments and returns with credits. I had a good relationship with this company over several years and have always paid on time in full! They keep telling me they have a signature, which again, is not mine. If I had 8 transactions in the past 2 years that were reported as missing, why would this company keep doing business with me after just a few times of missing deliveries? I have no late payments to any of my creditors and have no criminal record, yet this company is treating me like a criminal. Why wouldn't they insure a delivery of this amount? I am trying to attach all necessary documents but they are not going through. I have about 30 statements, police reports, statements of fraud, bank statements and letters from XXXX to prove my point. The police are continuing their investigation.
Product: Debt collection

Company has reported a debt collection to the collection agencies in the amount of {$140.00} date of deliquency of XX/XX/2019 for XXXX XXXX. I have disputed with XXXX and XXXX and they have reported that it is verified. I have reached out to the Caine and Weiner and they provided a " past due bill '' Problem is I should not have a past due bill, as I traded both cars and cancelled the insurance. When I received the bill I contacted them and they acknowledged they tried to pull funds from an account that was actually for the next month. I had cancelled so therefore this was not due. Credit Agency refuses to acknowledge my complaint and I also requested their State of Michigan Collection License number as this is required in order to collect a debt in the State of Michigan. If they are not licensed in Michigan they lawfully can not collect and therefore can not place a collection on my report. They have not acknowledged my dispute whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.
Product: Credit reporting

Wrong address never lived there : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Mortgage

Our mortgage was sold by XXXX XXXX to Roundpoint Mortgage Servicing LLC. 
XXXX XXXX kept us fully informed regarding the changeover.which took place in XX/XX/XXXX  The payments are withdrawn by Roundpoint Mortgage Servicing LLC from our bank account by ACH. 
All due amounts have been withdrawn from our bank account. 
We received a notice informing us that we owed a debt to XXXX XXXX  in the amount equal to two missed payments. this notice was sent by them in their capacity as a debt collector. 
We have tried repeatedly to contact the company, to no avail. the automatic answering machine will not contact us with an agent or any human being. 
We have also tried to email them. but you have to set up an account which doesn't work. 
My husband and I are both in our eighties and this is causing enormous stress. 
I feel it should be mandatory that any company that operates in California or any other state should be obliged to have a phone service available to all customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having a very difficult time speaking with a LIVE AGENT about concerns I have in regards to my consumer reports with XXXX, XXXX, and Experian. I haven't been able to get through to a rep for 3 weeks now. Every time I call I'm stopped by their automated phone service which doesn't have the ability to fix anything concerning a consumers needs. How is it that these 3 Consumer Reporting Agencies can profit off of millions of consumers personal identifying information which is aggravated identity theft, cause financial injury, ruin reputations, interfere with consumers ability to operate within commerce and consumers can't even speak with a LIVE AGENT??? Not to mention the countless errors, inaccuracies, violations of consumer rights, that are being committed daily. I thought the consumer reporting agencies were required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
I have lost all faith in commerce it bothers me to know that millions of consumers across the country are suffering at the hands of these CRAs and the government allows them to operate above the law. 
" Americas credit reporting oligopoly has little incentive to treat consumers fairly when their credit reports have errors, said CFPB XXXX XXXX XXXX. Todays report is further evidence of the serious harms stemming from their faulty financial surveillance business model.
Product: Debt collection

I have medical bills from services that were supposed to be charged to my medical insurance. I have XXXX which obviously means I am a person of low income and can not afford to pay for medical treatment on my own. I need to have these collectors submit these bills to my insurance company. Which was never done by the original biller.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX for {$620.00} Ive asked for information and they got me confused with someone else. 
I dont recognize the account and the report on my credit has prevent me receiving credit from potential creditors Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Checking or savings account

I rescinded this contract due to adverse action. They continue to harass me and continue to charge me for a policy that is not valid. This contract has been rescinded and accepted by their agent. There was also a cease and desist mailed certified as well. I have also sent FOIA requests for every declaration page from the start of the original agreement, with no response. This is an unfavorable term to the consumer, USAA continues to bully and harass consumers when they have attempted to assert rights that are equal to those of USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm complaining about have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$240.00} Bankruptcy XXXX XXXX Filed on XXXX XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX KY XXXX Bankruptcy : XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiredon XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired onFeb XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXInquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I was recently checking my credit report and have noticed these fraudulent accounts, please remove these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to contact XXXX XXXX XXXX & XXXX XXXX XXXX XXXX since XX/XX/2018 and even sent a written correspondence requesting that they remove an inquiry that was reported on my Credit Report that I did not authorize. 

They informed me that they have no information on file for me. They told me they would have the inquiry removed and never removed it. 

I tried to reach out the all three credit bureaus ( XXXX, Equifax & XXXX ) and was told they will not remove any false or inaccurate inquiries and I would have to contact the " furnisher '' myself.
Product: Student loan

NAVIENT placed me on a payment program XXXX for my private loans. I was told my welcome letter and details will be sent via mail in three months. It 's been nine months and no welcome letter. I called customer service and was told information I never agreed to and they do n't have to send me information since it was a " verbal agreement '' over the phone. I have made payments as requested by NAVIENT and my loan amount is getting higher??? My online statement on NAVIENTS website states my monthly payement is {$330.00} and NAVIENT is withdrawing {$510.00} from my bank account each month. I tried to call customer service to get clarification. Instead I get yelled at. I am truly worried and concerned about what this company is doing. What NAVIENT is doing can not be LEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Midland Credit Management has falsely claimed it has entered into a debt obligation with me. Midland Credit Management has failed to show a contract or trust containing its claim of a contract or trust. There are seven elements of a contract and three elements of a trust. Midland Credit Management has failed to provide to me any written agreement accepted by me containing an alleged debt obligation or offer by Midland Credit Management
Product: Debt collection

TSI wrote back to the CFPB that they needed proof of an account they are trying to collect on. I never had an account with TSI or signed a contract with them.
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under the Fair Credit Reporting Act Section 605B, 15 U.S.C 1681c-2. Please block and delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

KIA XXXX XXXX XX/XX/2015
Product: Credit reporting or other personal consumer reports

My vehicle is XXXX $ paid off, I was on time with my payments for a years. I was unemployed trying my best to keep up with my payments, however not only did XXXX report late payments they came and repossessed my vehicle, which I paid to get back and they still keep reporting late payments. I asked on several occasions for them NOT to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning! In accordance with the Fair Credit Reporting Act # XXXX Account Name : XXXX ACCOUNT XXXX XXXX has violated my consumer rights. please help 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
This is reporting is not mine please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been wanting to remove inquires from my credit report for almost 6 months now. I'm new to credit and just now figuring a lot of that i didn't have authorized or gave any consent. i would just like the items i have dispute removed and deleted from my credit profile so i can live a better life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me a report of my credit and then sent me a letter saying they can't find my credit report in there database.
Product: Checking or savings account

I deposited a cashier 's check of {$65000.00} which was a legitimate check from my other bank account ( XXXX XXXX XXXX XXXX ) to my US bank on the XXXX of XX/XX/year>. A seven days hold was placed on the check and my funds were supposed to be available on the XXXX of XXXX, XXXX. 

On the XXXX of XX/XX/year>, I went to the bank to make a withdrawal but was told that there was an issue with the account. I called the bank the next day and I was told that my account was under investigation for money laundering and there 'll be a 30 days hold. 

This is unacceptable, I have some financial commitments that I need to meet. I am supposed to supply some materials to a customer and this would delay the process. I won't be able to meet up with that timeline. If the bank wants to confirm the legitimacy of the check, this can be verified at XXXX of which I believe was done and the check has cleared, they just do not want to release my funds and I'm unsure why. 

I need help in resolving this as this poses a very big threat to my business and the client is threatening to sue for damages if I do not supply the materials and render the services paid for within the due date which is long overdue.