23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is trying to force to pay debit owed by my son I gave them my social security number and asked XXXX it match XXXX they said no they even gave me an email which belongs to my, the told on more than XXXX occasion to file identity theft against my son my son used his social he did not commit identity theft I asked them to send me a copy of the contract by mail and they sent me an email that can only be opened with a link I asked them for the link and they refused to give me one I asked them to mail me a hard copy starting back in XXXX of this year I've contacted them several times to email me a hard copy I've yet to receive XXXX. I contacted the collection agency in which use to let them know this is my sons debit and not mine ( Transworld Systems Inc. ) I told them the social security does not match but they've informed me on more than XXXX occasion that the number is the same I asked to them send me a copy of the contract or information they received from XXXX show the social security number and they refused to. XXXX  shows Transworld and XXXX are notorious at sending collections to people. I've never been a XXXX XXXX customer and they them selves have confirmed this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my credit score and financial standing. 
I kindly request that you investigate this matter promptly and remove the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under 605B, this account must be removed as soon as possible. I am really angry that they are appearing on my credit record, therefore I beg that you kindly erase this account since it is not mine.
Product: Credit card

On XX/XX/year> I purchased a run online from XXXX XXXX in the amount of {$1000.00}. On XX/XX/XXXX the ring arrived. After wearing it for a few days my fiance broke out onto a really bad XXXX  and I contacted the company on XX/XX/XXXX to inform them what happened and asked for a refund. In addition the ring was sent back immediately. On XX/XX/XXXX the ring was confirmed to arrive back but no refund was giving dispute XXXX XXXX XXXX XXXX XXXX  my fiance had. I contacted my credit card company to file a dispute. A temp credit was giving but in XX/XX/XXXX the merchant responded and the credit was reversed. The company allowed me to respond again until XX/XX/XXXX but I spoke to them multiple times in the phone between then but no one notified me that I needed to submit this form by XX/XX/XXXX. The last person I talked to said there was no deadline so I submitted the signed form with information I already provided Before on XX/XX/XXXX and I was informed that I missed the deadline by 7 days and the dispute can not be reopened.
Product: Credit card or prepaid card

I recently opened a card with Capital One, the Savor One. It arrived this past weekend, XX/XX/19, at which point I activated it and began to use it. All was fine. Today, XX/XX/19, I went to use the card and it was declined. I called the company to figure out what was going on. I had last used the card on XX/XX/XXXX and it was fine. I had not been notified of an issue either. The customer service agent told me there was a restriction on my card and I would need to provide photographic evidence of 3 forms of ID : driver 's license, social security card, and a utility bill, the latter of which they would need to call and verify my account. They needed this to verify my identity and lift the restriction on my account. I immediately took issue with this because none of this was requested upfront when I signed up for the card. I wouldn't have moved forward if I knew that kind of lengthy check would be required. The biggest issue is the social security card which I don't have, and do not want to go through the rigamarole of getting a new card issued. I asked to go through another verification means ( security questions, social security number, mobile/email verification, authorize my purchases, etc. ) or provide 2 of 3 IDs requested and they refused. They refused, citing there was no way to move forward. They also would not tell me why the restriction was placed, which is absolutely absurd. The manager, who I asked to be transferred to by this point, said there was no one else who could help, and no way to access someone in the department that deals with the restrictions. She also noted because the card was restricted, I wouldn't be able to pay the existing balance online or do a balance transfer to another card so I could get out of my relationship with Capital One. I was essentially stuck until I provided the IDs to get the restriction off. I'm filing this complaint as this is absolutely ridiculous, and I hope someone will look further into this issue so this does not happen to other customers. I understand verification needs, but I expect to be notified of an account restriction and I want to know why and what kind of account restriction I'm dealing with. Further, if I note the ways I can't comply with said verification they should find an alternative or tell customers upfront what will be expected. Lastly, there is no reason I should not be allowed to make payments online or transfer the standing balance to another account if I just want to end the relationship.
Product: Mortgage

I asked them to remove my mortgage insurance. My loan is being serviced by penny mac but is backed by Fannie Mae. Fannie may says if I pay my mortgage down below XXXX  % and am current they must remove my PMI and they can not charge me for the appraisal. on XX/XX/23 I paid the mortgage down to 74 % XXXX. The mortgage insurance should have been removed per Fannie Mae guidelines and the documents I signed at the mortgage table. I have called multiple times. I have spoken to manager and senior manager. my original mortgage company reached out to Penny mac and escalated the issue. They are still refusing to remove it without XXXX paying for another reappraisal. This is against Fannie Mae 's protocol and against the Closing documents I signed. I am fine with them inspecting the property but they can not charge me for it.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. 
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 accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax Credit Report immediately : XXXX. XXXX XXXX CARD SER In addition, DELETE all non-account holding inquiries over XXXX  days old. 
Under federal law, you have XXXX ( XXXX ) 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, to be provided within XXXX ( XXXX ) days of the completion of your re-investigation. 

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

I have sent letter after letters since XXXX of last 2018 to remove bankruptcy 's and any accounts that was included into the bankruptcys from credit profile to XXXX, equifax and XXXX and they refused time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court and PACER  stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE or verify the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 6 months to remove and have not.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. These accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A payment was sent to me through Paypal from a friend for money that was owed. The default in the application marks every payment as for goods/services which then subsequently charges the recipient a fee. The organization will not refund the fee nor will the organization reverse the transaction. They state there is no way to accomplish this and are clearly scamming people out of funds for fees collected for non-existent sales of goods/services. I attempted to escalate to a manager and was told there is no way to reverse a fee or reverse a transactions. I then asked my account to be restricted so as not to be able to receive funds from anyone. This is also not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against the three major credit bureaus ( Equifax, XXXX, and XXXX ) for their failure to provide me with a history of disputes as requested in a letter dated XX/XX/2023. Despite my request for the information, the credit reporting agencies have refused to provide me with a history of disputes, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I sent a written request to all three major credit bureaus for a history of disputes, including any investigation results, that I have submitted to the credit reporting agencies in the past 36 months. However, instead of providing me with the requested information, the credit bureaus only sent me a copy of my credit report, which does not contain the requested information. I followed up with the credit bureaus to request the history of disputes again, but they have continued to refuse to provide me with the information. As a result, I believe that they are in violation of the FCRA, which requires credit reporting agencies to provide consumers with a free copy of their credit report and a history of disputes upon request. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against the three major credit bureaus for their failure to comply with the FCRA. I have attached a copy of my original request for a history of disputes, as well as any other relevant documentation that I have regarding this matter. Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support this complaint. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Mortgage

My home is in a DECLARED NATIONAL DISASTER area due to the wildfires, I have applied and requested disaster assistance and forbearance but in the middle of the review my loan was transferred to a new servicer and they will not push or hold the sale date to review the disaster request. I have tried to contact them for over a week but they kept telling me that they do not see my account information because it is in the transfer process. I have a sale date in 3 days, but I am a disaster victim. Please help me
Product: Debt collection

On XX/XX/XXXXI sent a letter to ARC management Group LLC in Georgia to verify a debt that was being reported on my credit report. This item was sent certified mail. The mail was returned to me and the address it was sent to is the one they report on my credit report. By laws the information is being reported is inaccurate sense the certified mail was returned. I have n't received any verification of this debt. I also disputed the item on my credit report through XXXX with the returned mail. This is violation of FCRA and FDCPA and the information ( address ) the company supplied is false. This item should be deleted from my credit file. The address used was XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX. As you can see the certified mail was returned. Equifax continues to verify the debt but when I tried to get validation the mail was returned.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete all accounts and inquiries listed below that were fraudulently opened in my name. 
The following accounts are fraudulent and must be removed from my credit report : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$22000.00} In addition, I am disputing the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

To whom it may concern, I am having an ongoing problem with Military Star over an account that I disputed with them, requesting information and sufficient tangible documentation in order to verify and validate the debt owed. The matter was resolved when it was removed from my credit reports due to the company not providing adequate information in a timely manner. 

The account then popped back into the credit bureaus without any notification to myself as to its reinsertion or documentation related to the original dispute. Again, I dispute the item and the company does not provide an in depth investigation and simply marks the account " meets FCRA requirements '' which it surely does not because it fails to document me. It has failed to do so on numerous occasions. 

I am asking this agency to assist me in this matter and provide oversight which in my considered opinion it needs. The account is reported as closed and also as open. I don't understand what this company is doing. I have tried numerous times to dispute the debt, which I stand behind being grossly inaccurate and not mine and have this company continually changing information even after it has been removed. Violating the FCRA by putting information into my consumer credit file that is not verified via documents and generally giving me the run around every time I ask for clarification. 

Please assist me in this matter.
Product: Credit card or prepaid card

My Venmo has {$1000.00} dollars and it will not let me transfers to my bank I have spent hours on hold with them. I need to get my money out of venmo
Product: Debt collection

I am requesting a settlement agreement with Wells Fargo Credit Card Services. Many interest charges and prior disputed charges are not mine/ fraudulent and was denied in past disputes when reported. This collection account and past due charges, is definitely damaging and hurting my credit report and is hurting my chances for applications in reference to credit with other companies in the future. Please consider a monthly installment plan deducting/ reversing all late fees and interest that accumulated since the opening of this credit card. I am requesting for a agreement document for this requested settlement amount and also deletion of this account to all 3 credit bureaus, once payment is satisfied. In order for this agreement to take place. I am unable to make a one or 2 time payment. So please consider a monthly agreement settlement amount until this balance is paid. Please send documents to the confirmed address you have on file or associated with this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX account XXXX on the credit reporting agencies has violated my rights! 

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB|| I am now requesting proof of the previous Re-investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was accurate. if you can not provide me with this information in 15 days delete the account and send me a copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.