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

To Whom It May Concern : TransUnion, It has come to attention while checking my consumer reports that you TransUnion, has reinserted a previously delete item on my consumer reports. 
I am requesting the certification of accuracy that was produced by the data furnisher that verified this alleged account. By law 15 usc 1681i ( 5 ) ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
Further more after reinsertion of previously deleted information within 5 days you were to notify me pursuant 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

You have failed to provide the required disclosure and notices pursuant the FCRA 15 USC 1681i and its provisions. 

Delete the reinserted accounts that you have placed on my consumer reports which now is a violation of the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All rights reserved UCC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative 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 Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Case : XXXX Comenity Bank responded to my complaint stating that they would remove, or revoke, the XXXX, XXXX, and XXXX day late payments they reported to the credit bureaus. It has been over XXXX day, and the late payments are still on my report. They have not done what they said would do in their response to my complaint. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists Credit card opened at XXXX XXXX XXXX XX/XX/XXXX account # XXXX, XXXX XXXX XXXX XX/XX/XXXX account # XXXX, XXXX XXXX XXXX on XX/XX/XXXX account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My mortgage is with United Wholesale Mortgage. Account # XXXX. They sent me a request to verify my Homeowners insurance. I sent the document via their website on XX/XX/XXXX showing that coverage was effective XX/XX/XXXX expiring XX/XX/XXXX. I received a letter from UWM on XX/XX/XXXX stating " Thank you for providing evidence of insurance coverage for the above referenced property. Our records have been updated to reflect this information. The insurance that was purchased on your behalf has been cancelled. Any unearned premium that may have been charged to your escrow account will be refunded. " I was alarmed that they force placed insurance but the letter stated it was cancelled so i didnt take any further action. My payment is {$1700.00} per month. I have no escrow account. I pay my taxes and insurance separately. The payments are automatically taken out of my bank account. The payment deducted in XXXX was {$1700.00} so i was reassured that the situation was resolved. On XX/XX/XXXX i noticed that they withdrew {$1900.00} for the payment. I was alarmed so i went onto their website and it described that the once again force placed {$3100.00} of insurance. I called in and spent over an hour on the phone on XX/XX/XXXX explaining the matter. They said that they force placed the insurance because i had a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX. I explained that i did have coverage and asked for an explanation as to why they would state that. Why did they lose my records. Common sense would prove that if there was no coverage that they would have force placed insurance back in XXXX of XXXX, yet they didn't. And i never received any communication stating that they didnt have proof. They refused to listen and argued that i didnt have coverage. I contacted my insurance company and had them send me the evidence of insurance coverage for the period of XX/XX/XXXX to XX/XX/XXXX. I uploaded it to thier website on XX/XX/XXXX. I called in today XX/XX/XXXX to get the isuue resolved and to get the extra {$260.00} refunded. They gave me the run around for over another hour. I asked for a supervisor. The refused to put a supervisor on the phone. They stated they will update their records but that the {$260.00} would be to the escrow account. I stated that i didnt want it to go to an escrow account and that i wanted it refunded to my bank account. Once again, I have never had an escrow account. And i proved that this mistake was on their end and not on my end. Here is a big question. How can they charge a customer {$3100.00} for a policy that they never intended on purchasing. They cant purchase a policy for coverage a year ago. They had proof that my coverage is current. They had proof of the coverage from XX/XX/XXXX to XX/XX/XXXX at some point because they never questioned my payments for that entire period. I want the situation resolved immediately. They place you on hold and try to make it so difficult that you give up.
Product: Debt collection

My wages were garnished by portfolio management for a debt to XXXX XXXX  earlier this year for {$3100.00}. Now I am receiving another notice of intent to garnish for the same amount from the same company.The letter I received in the mail had no information who the creditor was nor the amount. I had also not received any correspondence from them prior to that notice of intent to garnish. I have disputed the debt as paid and requested proof that I owe it and have not received it.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am writing to file a formal complaint against Comenity Bank due to a series of distressing incidents related to my XXXX XXXX account. My experience with Comenity Bank has been frustrating and has raised significant concerns about the handling of customer accounts. 

On XX/XX/2024, I received a notification from Comenity Bank, claiming potential security concerns and irregular card transactions associated with my XXXX XXXX account. I must emphasize that I do not hold a credit card with Comenity ; my interaction with the bank is solely through the XXXX XXXX account. 

The timing of this security concern notification, coming immediately after a dispute with one of Comenity Bank 's customer care representatives, raises serious questions about the integrity of their operations. 

Furthermore, my request for a confirmation letter, indicating that I have only one account with Comenity Bank, has been unfulfilled since XX/XX/2024. This letter is crucial for the closing of my house, and the delay caused by Comenity Bank 's inaction puts my homeownership at significant risk. 

The response from XXXX XXXX on XX/XX/2024, indicated a 30-day investigation period for the security concern and will not send me the letter until the investigation is completed, which is unacceptable, especially considering its direct impact on my mortgage closing. 

I am seeking your assistance in addressing the following issues : Urgent issuance of the requested confirmation letter, essential for the timely closing of my house. 

Transparent communication of the findings related to the security concern with my XXXX XXXX account. 

Resolution of the reporting discrepancy to XXXX, which falsely indicates that I have two Comenity accounts. 

The lack of prompt action from Comenity Bank not only jeopardizes my homeownership but also places an undue burden on my financial well-being. I kindly request your intervention in ensuring a swift and fair resolution to these matters.
Product: Debt collection

XXXX XXXX / XXXX / {$3400.00} XXXX XXXX XXXX / XXXX / {$610.00} XXXX XXXX XXXX/ XXXX / {$840.00} XXXX XXXX XXXX / XXXX / {$15000.00} XXXX XXXX XXXX XXXX {$940.00XXXX XXXX XXXX XXXX  / XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX  Original creditor : XXXX / XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX / {$610.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Vehicle loan or lease

Ally Bank turn down my request for a car loan due to misinformation. My Credit Score is  XXXX at XXXX. Ally Bank said they tried to get my credit score and was unable too. I called XXXX  to see if there was a freeze on my credit report they said Ally Bank never contacted them. Instead Ally Bank contacted XXXX XXXX and the reported misinformation about my credit score at XXXX. Thereby causing me not to get the loan. My Credit Score is XXXX not XXXX.
Product: Checking or savings account

I paid my mortgage and I had over drawn my account but was advised that I had until XX/XX/2018 to bring the account current. And I had 30 days and I have been in communication with them about the money that was paid I owed XXXX I paid money on the balance. I closed my son account due to them going into his account and taking the money out. I need someone to look into this company navy federal credit union to get my money back into my son account.
Product: Mortgage

Our home was flooded during Harvey and was a total loss. Finally the County has bought us out ; however, this home is still showing up on credit report. This has messed up our credit and need this fixed before we can get a new home. This has been the longest two years of our life and are just trying to get this to move along so my kids can get in a home before another school year starts.
Product: Credit reporting or other personal consumer reports

I sent over a dispute letter asking for accounts to be removed from my credit report under 15 US 1681b, I never gave consent for any accounts to be reported. It has been well over 30 DAYS and I still haven't gotten any results. The code is posted below.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Debt collection

Endless Robo-dialed calls from company claimed to be " Midland Credit ''. I have NO debt and do not owe anything to anyone. This company using multiple numbers calling anytime of day including SUNDAY XXXX and EVENINGS ( after XXXX ) could NOT disclose the correct name and address and types of debts. The info they made up is not me and no where near me. I have asked them to STOP for MONTHS and yet the calls continues DAILY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions. 

I was promised this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Subject : Debt Validation Request and Cease & Desist Notice Dear XXXX XXXX, I am formally requesting validation of the alleged debt associated with Account # ending in XXXX pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Statements alone are not sufficient evidence of a debt. As established in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, a mere statement does not satisfy the burden of proof. 

Since you are the original creditor, I request that you provide the following documentation : A copy of the original contract or agreement that establishes my obligation to this debt. 
A detailed accounting of the debt, including all charges, interest, and payments made. 
Proof that the debt is valid and remains collectible under applicable laws. 
Additionally, I am invoking my rights under the FDCPA and formally demanding that you cease and desist from all communication with me regarding this matter. This includes, but is not limited to, phone calls, emails, letters, or any other form of communication. 

Furthermore, this cease and desist request extends to any communication through consumer reporting agencies. As such, you must remove any entries related to this debt from all consumer reporting agencies immediately. 

If you fail to comply with this request, I will have no choice but to pursue legal action against you to enforce my rights under federal law. 

Please confirm in writing that you have received this request and that you will comply. 

Sincerely, XXXX XXXX
Product: Student loan

I attended the vocational school from XXXX - XXXX. I was told that it was an accredited school so I took out a loan to cover the tuition. I believe the estimated cost of the school at the time was {$30000.00}. There were 8 semesters over the course of 2 years. I've only received one refund over the course of two years and it was only because I went down the registrar 's office to inquire. I received my only refund in my 8th semester. I graduated shortly afterward when I had heard the FBI had closed the school down for illegal activity. Some time had passed and I received a letter in the mail regarding a class action lawsuit.  Unfortunately, by the time I discovered the letter I had missed the window to participate in the lawsuit. Not mention, when I tried to pursue another degree, I found out my degree from XXXX XXXX XXXX was not accepted by any college or university I applied to. I had to start completely over meanwhile, years of interest accrued for an education I feel has caused a questionable amount of debt
Product: Debt collection

On XX/XX/XXXX, American Credit Acceptance voluntarily relinquished rights to the property and deleted the accounts associated with the account once held for the consumer in response to a correspondence sent to XXXX XXXX, then CEO of AMERICAN CREDIT ACCEPTANCE LLC, from the consumer for noncompliance and inaccurate reporting regarding the CARES Act : 15 USC 1681S-2 ( a ), 15 USC 1681S-2 ( b ), 15 USC 1681S-2 ( f ) ( 1 ), 15 USC 1681S-2 ( 2 ) and 15 USC 1681S-2 ( 3 ) on XXXX XXXX XXXX.

North Carolina General Statues 44A-3 outlines that when property is voluntarily relinquished ( rights to collection have ceased or have been given up/ charged off ) the lien terminates and that reacquisition ( repossession ) of the property shall not reapply the lien and it [ the lien ] becomes unenforceable.

44A-3. When lien arises and terminates.

Liens conferred under this Article arise only when the lienor acquires possession of the property and terminate and become unenforceable when the lienor voluntarily relinquishes the possession of the property upon which a lien might be claimed, or when an owner, his agent, a legal possessor or any other person having a security or other interest in the property tenders prior to sale the amount secured by the lien plus reasonable storage, boarding and other expenses incurred by the lienor. The reacquisition of possession of property voluntarily relinquished shall not reinstate the lien. Liens conferred under this Article do not terminate when the lienor involuntarily relinquishes the possession of the property. ( 1967, c. 1029, s. 1 ; 1991, c. 344, s. 3, c. 731, s. 2. ) AMERICAN CREDIT ACCEPTANCE LLC should and should've complied further to reflect the voluntary relinquishment, by removing the lien from the title of ownership however, AMERICAN CREDIT ACCEPTANCE , LLC. refused to do so against the consumer request and compliance to the statue upon voluntary deletion and relinquishment of the account. 

XX/XX/XXXX, the consumer learned that XXXX XXXX XXXX XXXX illegally " repossessed '' the vehicle described in the title of ownership belonging to the consumer allegedly under the orders of AMERICAN CREDIT ACCEPTANCE , LLC however, there was no repossession order reported to law enforcement nor a tow order which resulted in a larceny report on the vehicle reported by the consumer on XX/XX/XXXX. XXXX. 

After learning about XXXX XXXX XXXX XXXX and AMERICAN CREDIT ACCEPTANCE 's Illegal possession of the private personal property, I made demand for its appropriate return and they both declined and continued in possession of the property of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/, I sent my first letter to CB INDIGO requesting verification of Account number XXXX which was reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They did not respond. I made a follow up letter XXXX XXXX advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. 

It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the account from my credit report. I have given them more than enough time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently someone has my SSN and name and applied for a credit card with XXXX XXXX XXXX  on XX/XX/2022. XXXX to find number and called XXXX on XX/XX/2022 and was able to report it to XXXX XXXX XXXX and they have cancelled it due to fraud. Its on my credit report as a hard inquiry. How do I get that removed? I spoke with XXXX. He gave me an employee ID number and he gave me the number to National Fraud Hotline. Please help.