23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : US Bank In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Debt collection

XX/XX/XXXX And XX/XX/XXXX also XX/XX/XXXX on all three of these days the company refused to comply with the guidelines associated with insurance through comenity bank and the XXXX XXXX which was purchased several months before the account became late. Then on XX/XX/XXXX customer service refused to transfer the call regarding changing the statements from electronic to paper, refused to send a paper Statement. On XX/XX/XXXX the company refused to modify the issuance of statements from electronic to paper then after " fully verifying '' the man on the phone said " ALL OF YOUR PHONES HAVE BEEN BLOCKED. '' This was at the end of the call and the man was unusually reluctant to allow paper statements for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to TransUnion, that the collection from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$67.00} and Acct # XXXX {$120.00} have inaccurate account status. The account status is listed as open on both accounts and an account that is in collection can not be listed as an open account. 
XXXXXXXX XXXX XXXX TransUnion Account # : XXXX -- -- High Balance : {$67.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$67.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Placed for collection -- -- Original Creditor : XXXX XXXXXXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account XXXX XXXX XXXXXXXX TransUnion Account # : XXXX -- -- High Balance : {$120.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$120.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Placed for collection -- -- Original Creditor : XXXX XXXXXXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -
Product: Debt collection

A notice of debt collets was sent to me in late XX/XX/2021 claim there is an attempt to collect a debt. About 1 week laterI received a call and I advised the company to only communicate with the debtor via mail. I sent in a letter for debt validation immediately requesting for what proof this company has that confirms I owe a debt. On XX/XX/XXXX I received a response with detailed medical information that I did not sign a Hipaa release form giving this 3rd party access to such records. The information provided to me is a violation of my hipaa rights.
Product: Credit card

My Credit Card was cancelled without consent or reason. XX/XX/XXXX I was notified by Amex that there was a transaction that did not go thru and there is a possibility that my card was compromised. I called them and had my card replaced. By the time I received the new card it was XX/XX/XXXX. I called and went thru a series of security questions until i was able to activate my card once again. I used my card repeatedly over the next several months, paying on time and most of the time paying XXXX times a month because my spending was greater than my limit, ( i never went over my limit ). In XX/XX/XXXX I saw a notification on my app on my phone, that my card was cancelled. I called and I was transferred to the fraud dept. where I was spoken in an unprofessional manner. The girl was almost lecturing me as how I never called back three months ago. I asked her to please calm down and transfer me to a supervisor or a manger which never happened. They told me that in XX/XX/XXXX I never called to go thru the security questions ( which i did and was able to use my card 3 months ) and there was nothing they could do. The card was cancelled indefinitely, I would need to re-apply if I wanted the card. This does not make any sense because from XX/XX/XXXX to XX/XX/XXXX I charged and paid over {$3000.00} dollars. If there was a security issue why was I using my card for 3 months? I think this is unfair. I have never paid late and not only did I pay on-time, I paid off the card most of the time. I was charged a yearly fee for a card I was unable to use for a year and I requested 3 times to speak to a manager. They told me the manager is busy and I would get a call back. Needless to say, the manager never called back and as of right now my account is closed and it was reported on my credit report which reflects as something negative. My card was connected to my XXXX frequent flyer program which offered me free bag check at check in. I travel a lot and feel this was totally unfair. Im really upset and feel that my account was closed for other issues like I pay on time or pay my card off. Im really not sure. But what I am sure is that the reason they gave me is TOTALLY BOGUS!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed Notfication claiming that the bankruptcy was verified by the Bankruptcy Courts. 

Appalled by that information, I went directly to Bankruptcy Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A XXXX must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the XXXX is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the Court letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.
Product: Debt collection

On XX/XX/2018, I sent verification letter to EOS CCA regarding debt collection. On, XX/XX/2018, they sent me part of a bill and a letter stating that they validated the debt. They did not send the information as I requested. On XX/XX/2018, I sent another certified letter requesting validation. On XX/XX/18, they sent me a settlement letter. I then sent all information to XXXX  on XX/XX/18. One week letter XXXX  sent me a letter stating that they verified the debt. On XX/XX/18, I sent a method of verification letter back to XXXX  who has not responded. I don't understand why I can not get the documentation as requested.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had too late payments on an account that I was in fact paid on time. The consumer reported an agency need to report all information with complete accuracy. This account should not l have late payments. I have attached A copy of my report for this complaint. As you will see the inaccuracies between XXXX XXXX XXXX and Experian, I am now requesting you to investigate and provide verified proof with record showing that I had late payments. If the information can not be verified, I demand these payments be updated to pay on time immediately thank you for understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes, and complaints wit TRANSUNION credit bureau, and have gotten no results. I am a victim of Identity thief, I have file a federal trade commission report, a XXXX XXXX police report, along with a copy of a letter from the united states Marshall services stating my personal information was breached.

I have also filed this same complaint and dispute with the other 2 major credit bureaus XXXX and XXXX and my file was corrected the results were the accounts were deleted. Its seems like Transunion refuses to abide by the FAIR CREDIT REPORTING ACT, AND THE FAIR DEBT COLLECTION ACT, and there laws and guidelines. These fraudulent and inaccurate accounts need to be removed as stated by statue 1621 B.
Product: Vehicle loan or lease

I submitted a dispute to XXXX XXXX Transunion XX/XX/2024 requesting XXXX XXXX XXXX XXXX account be removed from my credit report immediately due to the businesses violation of Texas state and federal regulations. Instead of XXXX XXXX Transunion doing as I asked. They just updated the accounts and dismissed the letter that I sent with the dispute as if the violations meant nothing. Please see the attached letter that I sent to XXXX XXXX Transunion.
Product: Checking or savings account

UDAP Violation Captial One claims to protect their customers against fraud but when presented with a fraudulent transaction, Capital One denied the claim and failed to follow through. Capital one uses deceptive marketing practices to gain customers and then fails to provide the service. They are discriminating against the financially challenged and don't care about their customers. This fraud incident impacted my wife and wife 's bank as well but Capital One is only one that denied the fraud claim of {$300.00}. The merchent never provided a product. We discovered it within 24 hours of the transaction and quickly filed a dispute with Captial One. 9 days later, Capital One denied this fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting XXXX  XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer XXXX have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then XXXX XXXX XXXX - Privacy of XXXX XXXX XXXX, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what XXXX XXXX XXXX section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, Wells Fargo Home Mortgage started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by the XXXX of XX/XX/XXXX, XXXX and XXXX ). The XXXX XXXX XXXX reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date. 
To my surprise, I reviewed my CRA noting WFHM delinquent report for 9months. 
I addressed this information with the bank, stating unaware of the report to the bureaus. 
This false report is badly reflecting my score while rebuilding my score and hard work. 
Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the XXXX, City Hall Mayor 's office, and my Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I summitted disputes to all Credit bureaus, plus a complaint to XXXX about XXXX XXXX  falsely reporting late and derogtory remarks on my credit reports. I was on a loan modification from losing my job from Covid 19. 
XXXX contacted me back and fixed my report. XXXX and Experian still have not. I hired XXXX XXXX XXXX for help on XX/XX/XXXX. As of today XXXX XXXX still have not got a response from them. XXXX XXXX took over my loan on XXXX XXXX XXXX reports state XX/XX/XXXX, still not corrected. 
I have worked hard as a single parent to keep my bills paid on time. Please help me fix this issue.
Product: Credit reporting or other personal consumer reports

The account listed does not beong to me and did not have authorization to use my personal information I have sent all documentation requested XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX -Hard inq : Capital One ( Bank ) XX/XX/year>XXXX   They have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

XXXX - Hard inq XXXX XXXX, XXXX XXXX They also have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

PUBLIC RECORD XXXXXXXX XXXX BANKRUPTCY XXXXXXXX  No money is owed and nothing was finalize and was also got a dismiss later and was told it would be removed due to error
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I am writing to dispute the inaccuracy of the following accounts listed on my credit report and late payments specifically with regard to an account CARD SERVICES Account number XXXX Reporting to ( Transunion ), XXXX XXXX SERVICES Account number XXXX ( Transunion ), XXXX CARD SERVICES Account number XXXX ( Transunion ) and XXXX XXXX XXXX XXXX XXXX  Account number ending XXXX ( Transunion ) and any addresses or names other than XXXX XXXX XXXX XXXX this is the only name I go by. My 2 address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX, Apt XXXX, XXXX XXXX XXXX XXXXXXXX. 
This alternate address, XXXX XXXX XXXX, XXXX, GA XXXX, is not mine as was used by identity thieves to obtain credit in my name. 
Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from these creditors regarding these accounts. 

According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. 

Additionally, I do not recognize how these accounts and addresses report on my credit report, including the account number, balance, or status. None of the information reported here meets the requirements set forth by the FCRA or FDCPA. 

If you can not provide me with written validation of the debt, I request that you immediately remove these accounts and address from my credit report. I am exercising my rights under the FDCPA and FCRA to ensure that my credit report is accurate and reflects only valid debts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I paid off and closed my Bank of America credit card account on XXXX/XXXX/15. The payoff was arranged through XXXX XXXX XXXX XXXX. An automatic recurring online charge of {$21.00} from my phone carrier was charged to the account XXXX/XXXX/15, a full week prior to the payoff but BoA never included this charge in the payoff and never sent a statement informing me of this charge. I received a letter dated XXXX/XXXX/15 ( arrived XXXX/XXXX/15 ) informing me of the outstanding balance plus fees bringing my new balance to {$76.00}. I spoke with a BoA supervisor XXXX XXXX who initially told me to pay the original charge of {$21.00}, which I did, and she would attempt to remove derogatory credit from my credit report as well as the fees and interest charges. I heard back from her today and she stated I was responsible for the full balance, which today stands at {$54.00}, the result of fees and interest and if I did not pay the entire amount she would not remedy my credit report. My credit history is excellent and had I received a statement my credit history shows I would have paid it off immediately. I should n't be held accountable for these exorbitant fees and charges due to BoA 's oversight in not including the original charge to the payoff amount in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, noticed two inquiries from XXXX XXXX, Avant and XXXX that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Information on my EXPERIAN report is incorrect. I have submitted my disputes online & they have not rectified the issue. According to FCRA 605B 15 USC 1681 EXPERIAN is required to block & delete all info in 4 days. The attached screenshot shows that EXPERIAN created a Dispute several months ago ( And wouldnt allow any more online disputes ) nor acknowledge or delete the incorrect information. Attached is a copy of my FTC reports generated recently to go along with my disputes.

The following information is included in the FTC reports : EXPERIAN : XXXX {$680.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX  {$600.00} XXXX XXXX XXXX {$34.00}, XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX {$6100.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$4000.00} Inquiries : EXPERIAN business report XXXX XXXX XXXX XXXX XXXX XXXX