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

XXXX : FORMAL DEMAND FOR REINVESTIGATION OF DISPUTED ITEMS UNDER FCRA 611 ( 15 U.S.C. 1681i ) ; WILLFUL NON-COMPLIANCE WILL RESULT IN LITIGATION** To Whom It May Concern : **TAKE URGENT NOTICE : ** This is a **final written demand** for your immediate compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i, regarding your **blatant failure** to properly reinvestigate the following disputed items on my consumer report : XXXX federal Account Number : XXXX credit card ending in XXXX & XXXX credit card ending in XXXX XXXX LEGAL VIOLATIONS : ** XXXX. 
**Failure to Reinvestigate** You ignored my prior disputes ** and unlawfully verified inaccurate information without proper investigation, violating FCRA 611 ( a ) ( 1 ) ( A ).

2.

**Furnisher Collusion** You relied on fraudulent or unverified data from ** [ XXXX XXXX  XXXX ] **, violating FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ( failing to maintain reasonable procedures ).

3. 
**Defamation & Willful Non-Compliance** Your refusal to correct inaccuracies constitutes defamation under FCRA 623, 15 U.S.C. 1681s-2, and **willful disregard** of federal law.

**I HEREBY DEMAND THE FOLLOWING WITHIN XXXX  DAYS : ** 1.

**DELETE ALL DISPUTED ITEMS** from my credit file and provide written confirmation of deletion.

2.

**DISCLOSE** the methodology and documentation used to " verify '' these items, including all communications with furnishers.

3.

**CEASE REPORTING** these fraudulent accounts immediately.

**LEGAL WARNING : ** - Under FCRA 616 ( 15 U.S.C. 1681n ), **willful non-compliance** entitles me to statutory damages of ** {$1000.00} PER VIOLATION**, punitive damages, and attorney fees. 
- Under FCRA 617 ( 15 U.S.C. 1681o ), your **negligent non-compliance** further exposes you to actual damages.

- If you fail to act, I will : - File formal complaints with the **CFPB** **FTC**,, and ** [ State Attorney General ] **. 
- XXXX you in federal court under FCRA XXXX and seek **maximum penalties**. 
- Pursue criminal charges for **fraudulent credit reporting** under 18 U.S.C. 1028 if identity theft is confirmed. 
**THIS IS YOUR FINAL OPPORTUNITY TO AVOID A LEGAL FIRESTORM.

** **YOU ARE HEREBY PUT ON NOTICE : ** Continued reporting of these disputed items will be treated as **malicious, willful, and intentional defamation** under federal and state law. I will hold your executives, agents, and third-party contractors **personally liable** for these flagrant
Product: Debt collection

I was told I owe a debt of {$38.00} from 2 and a half years ago. I was not given any information on the debt. I was not sent a bill for this. I was not notified for over 2 years concerning this debt now I am constantly harassed by phone. I do not owe this debt. I want this action to stop.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ].

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as 3 days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

account-XXXX  XXXX  XXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Credit reporting or other personal consumer reports

I noticed several billing mistakes in my credit report, with late payments that don't match my payment pattern. Kindly correct these and update my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I wired from my JP Morgan Chase account {$110000.00} to my wife 's account in XXXX to XXXX. 

The XXXX exchange rate that day was : XXXX US Dollar to XXXX XXXX XXXX. 

XXXX paid their own rate at XXXX XXXX to XXXX XXXX Dollar The difference that I received was a difference of {$13000.00} US Dollars, or {$240000.00} XXXX XXXX. 

I made the transfer using my mobile app, which I had used to transfer money to that same account in a previous wire transfer with no such penalty. Had I known that I was facing a HUGE discrepancy in total payout, I would NOT have made this transfer. JP Morgan Chase failed to alert me that I was in danger of losing a great amount of money.
Product: Debt collection

my name is XXXX XXXX today date is XX/XX/XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the XXXX data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX sale at XXXX  in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed PROFESSIONAL DEBT MEDIAT {$8600.00} XXXX XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX 's Cars etc Apartments Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from ProCollect Inc. on XX/XX/XXXX, claiming that I owe a debt of {$16000.00} to XXXX XXXX XXXX. However, I don't owe any XXXXXXXX XXXX XXXX any debt and I never rented or stepped foot inside this business. 

Firstly, I find it troubling that the piece of mail serving as notification of this debt collection was not sent via certified mail. Its appearance resembled junk mail, making it easily overlooked or disregarded, especially since they only allow 30 days to dispute the debt. 

Additionally, during my email interaction with XXXX 's general manager last year in XX/XX/XXXX, it became evident that my signature on the lease agreement had been forged using an electronic signature. This is particularly concerning as the alleged signed lease agreement supposedly occurred during the time when I was traveling overseas. Logistically, it would have been impossible for me to sign the document with an XXXX or XXXX IP address. I would like to clarify that I only filled out an online application on their website to possibly live there and never signed a lease agreement with them. 

ProCollect, Inc. provided a move-out statement generated on XX/XX/XXXX to validate the debt and claim that I had made a {$100.00} deposit. However, after thoroughly reviewing my banking statements, I found no evidence of a {$100.00} withdrawal. I carefully examined each transaction last year and I am sure I never paid a deposit. Despite my explicit request for evidence to substantiate the deposit payment and signature, the debt collector has refused to provide any such validation. Instead, the collector threatened to report this debt to the credit bureau, emphasizing that it would negatively impact my credit history regardless of whether I choose to pay it or not. The collector is pursuing debt using forged documents since they couldnt prove the lease was signed by me. They simply told me it is their word against mine. 
Given the gravity of these concerns, I kindly request your assistance in addressing this matter promptly. Your expertise and guidance would be invaluable in ensuring a fair resolution to this situation. I am a XXXX XXXX and this issue is emotionally and mentally taxing for me. 
Thank you for your attention to this pressing issue.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experians failure to accurately report my personal information. My correct legal name is XXXX XXXX XXXX XXXX, yet Experian has incorrectly listed a name variation as XXXX XXXX. I request that Experian update its records to reflect my full and accurate name as shown on my proof of identity. Additionally, my correct address is XXXX XXXX XXXX, XXXX, NJ XXXX, but Experian has incorrectly added XXXX XXXX to my address. I request that Experian remove XXXX XXXX and ensure my address appears exactly as it does on my drivers license and utility bill, which serve as proof of my residence. Furthermore, the following addresses are not mine and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Experian has also reported incorrect employer information. The listing XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX is inaccurate. My correct employer is XXXX XXXX XXXX XXXX, and I request that Experian update this information accordingly. Experians failure to maintain the maximum possible accuracy in my credit report violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ). I expect Experian to correct these inaccuracies promptly and ensure that my personal information is reported correctly and fairly.
Product: Credit reporting or other personal consumer reports

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$720.00}. a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$530.00}. a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1600.00}. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX in the amount of {$430.00}. A personal credit card account opened at XXXX on XX/XX/XXXX in the amount of {$720.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}. A personal credit card account opened at XXXX on XX/XX/XXXX in the amount of XXXX. A mobile account at XXXX XXXX on XX/XX/XXXX in the amount of {$990.00}. A mobile account at XXXX XXXX on XX/XX/XXXX in the amount of {$1900.00}. a account at XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of {$240.00}, a personal credit card account at XXXX XXXX opened on XX/XX/XXXX in the amount of {$0.00}. a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$230.00}. a account with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$9500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX, XXXX, XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX  - Account # XXXX Paragon XXXX XXXX XXXX Account XXXX XXXX on report 2x 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 : also states a consumer reporting agency can not furnish an account with a written instruction.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I deposited money from a debit card into my XXXX  account. I placed several trades and attempted to withdraw my initial deposit + profit. However, I attempted to withdraw to my bank account rather than to the debit card I used to deposit. This appeared to prompt an account restriction in which I was told I would be contacted by XX/XX/year>. XXXX  provided a support phone number. I called it immediately on the early morning of XX/XX/XXXX. I was told they will take a note of my questions but did not provide me any temporary recourse or resources. I expressed my concern about their decision to withhold my funds and mentioned that it could create issues if I am not able to access my funds in a timely manner. The XXXX support person did not actually give me any information, and I reminded him that the phone call was being recorded ( per XXXX ) so that there should be a record of my request for temporary recourse pending the review of my account. It is XX/XX/XXXX. I have received no additional information through the XXXX app nor my email. The XXXX app has changed and now says I will be contacted by XX/XX/XXXX. It is unclear whether my funds will be available for withdraw after XXXX makes contact with me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : DEPTEDXXXX XXXX  XXXX DEPTEDXXXX XXXX  90XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have 2 accounts on my credit report from XXXX XXXX XXXX I paid off over 7 years ago and another that I paid through their collections company XXXX XXXX XXXX. My debit is clear and this is against the law to report debit that isnt there. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

Please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im begging you to remove these items. Ive already paid my dues
Product: Checking or savings account

Hi, Citi Bank reached out to us with an email saying that we will be receiving a {$1500.00} opening bonus when depositing {$100000.00} and maintaining a balance for 60 consecutive calendar days.

We went to a branch and open an account with a banker on XX/XX/XXXX. It has been over 6 months now and we have not received the opening bonus from the bank. We reached out to the bank several times and opened tickets with different departments, however, the issue has not been resolved. 

We maintained over {$100000.00} in our account from XX/XX/XXXX - XX/XX/XXXX which is eligible for the bonus. Could anyone assist us with this? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts listed below has violated my rights. 

15 U.S.C. 1681b ( a ) ( XXXX ) states any consumer reporting agency may furnish a consumer report WITH the written instructions of the consumer to who it relates. 
15 U.S.C. 1681b ( a ) ( XXXX ) states a consumer reporting agency has to respect consumers rights to privacy. 
15 U.S.C. 1681c ( a ) ( XXXX ) ( XXXX ) states consumer reporting agency can not make any reports containing accounts placed for collection or charged to profit and loss. Any other information other than records of convicted crimes. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

My husband and I went to TitleMax in XXXX, Alabama to get a title loan on our vehicle title on XX/XX/XXXX. We went in to make our monthly payment on XX/XX/XXXX, they could not retrieve our file for us to make that payment. The payment was for {$620.00}. We were not able to access our online account and the store personal could not access our account. Our payment was not due until XX/XX/XXXX. On XX/XX/XXXX we went in to the location to make the payment. The payment amount went up to {$1200.00}. That took everything we had to pay it. They refused to take a partial payment or work with us. Claimed it was policy. Not knowing that they are charging us outrageous interest rates by the DAY!! We have to decide on either paying our house bills or paying this outrageous loan rates. Title max is robbing its consumers. We can not get our vehicles repaired. We can not pay our house bills, or even put gas in our vehicles to go to the store. PLEASE HELP US!!!! This is inhumane for a company to charge us 170.21 % and 194.55 % Finance charges by the DAY!!! They are charging us daily for this obscene loan. We are going to loose our vehicles because of their rates. A {$7500.00} loan is going to costs us over {$13000.00} to get our title back. This is just for one of our loans. We were not aware of this at the time we obtained the loans. They also call nonstop with no voicemails. 

We also received notices of data breach...
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX a salesman from XXXX named XXXX XXXX ( not sure of last name spelling ) came into my place of business trying to get people to switch to XXXX. I spoke to him and was interested in getting a little more info. He asked me to fill out a form, which I did after asking him if they would be performing a credit check. He informed me no credit check would be done. I filled out the form and he was on his cell phone. He handed me the phone and told me I needed to verify my information. I got on the phone and after talking to the person on there found out this was to do a credit check. I informed the man on the phone that I asked XXXX if they would be doing a credit check and he told me " no ''. I told the man on the phone I did not want my credit pulled and to stop the process. Yesterday ( XX/XX/XXXX ) I receive a letter from XXXX XXXX dated XX/XX/XXXX telling me, " As you may remember, when you requested service at XXXX, we ran a credit check which resulted in a score where you may have to pay a deposit or downpayment ... ''. I was furious as I told both people that I did not want my credit pulled as I am trying to bring my credit back up. I called XXXX today ( XX/XX/XXXX ) to complain and was hung up on by first person. Second person gave me the information for your company to contact to file a complaint. So this is what i am doing at this time. I want to file a complaint on both men and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX account # XXXX, account # XXXX, account # 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 166b A Creditor May not treat a payment on an credit card account under an open end consumer credit plan as late for any reason.
Product: Mortgage

I started my permanent modification payments of {$1100.00} with well fargo on XX/XX/XXXX. They did and escrow analysis in XX/XX/XXXX starting with the XX/XX/XXXX payments and never credited the payments made in XXXX, XXXX and XXXX therw for my escrow came up very short the same in XXXX they 4an an anlysis for a year and a half and escrow was short again. In XXXX of XXXX I started dealing with them as far as reasearch and i kept being told they they i still researching this during this time they accepted the lower payment until XXXX and in XX/XX/XXXX we were served with forclosure papers. I advised them our homeowners insurance and taxes were lowered and asjed them to reanalyze the escrow in XX/XX/XXXX, they refused at this point we are trying to modify the loan again because we cant afford the XXXX payment due to all the escrow shortages they are charging us for and now as of XX/XX/XXXX WellsFargo is transferring our loan serving to XXXX.
Product: Debt collection

I received a notice via USPS dated XX/XX/2023 from McCalla Raymer Liebert Pierce, LLC located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, regarding a mortgage account with XXXX XXXX XXXX XXXX. Within the letter there is a section labeled " How can you dispute the debt ''? It advises me to respond by XX/XX/2023. 

Today XX/XX/2023 I received a second notice labeled as Notice of Nonjudicial Foreclosure Sale from McCalla Raymer Liebert Pierce, LLC located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Per Georgia Attorney General 's Consumer Protection Division 's website https : //consumer.georgia.gov/consumer-topics/debt-collectors McCalla Raymer Liebert Pierce, LLC must give me the allowable time to dispute the debt in its entirety or partially. The first notice from McCalla Raymer Liebert Pierce, LLC stated that I have until XX/XX/2023 to dispute the debt.