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

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION Y TO REPORT MY INFORMATION PER 15 USC 16814 .

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have included the items on my FTC Theft report the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX. XXXX  MEDICAL DATA SYSTEMS, INC ( XXXX ) MEDICAL DATA SYSTEMS ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Dear Sir or Madam : Good morning I have submitted a complaint on XXXX XXXX XXXX  as of XXXX. XXXX. XXXX  on XXXX  Credit Report whats still displayed is Medical Data Systems and on XXXX  has it on there report as well named as Medical Data Systems , INC. XXXX  is the only Bureaus that removed this fraudulent item off of my credit report. The original creditors name listed is XXXX XXXX with a balance of {$320.00} Acct. Number XXXX I am writing to dispute the following information in my credit report file. I have circled the items I dispute on the attached copy of the report I received.The information on MEDICAL DATA SYSTEMS INC account number XXXXwith a balance of {$320.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Theres also discrepancies on my FICO SCORE SO I ATTACHED THE DIFFERENCES IN MY ACCOUNTS THATS DISPLAYED Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or XXXX, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XXXX XXXX, XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX  XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my due date was changed this account was never late after multiple disputes XXXX refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have Zero late payments and nothing derogatory on my credit report aside from this XXXX mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making XXXX do the ethical correct thing in regards to this issue XXXX appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help please.
Product: Money transfer, virtual currency, or money service

I am not able link my bank account with a third-party service that I have verified.
Product: Debt collection

This collection agency has put a debt on my credit reports. I spoke to them about this and they said they sent a collection notice to an address I have not used in almost 10 years. I have not been able to dispute this debt nor have they sent me any thing to validate this debt.
Product: Mortgage

New Rez Mortgage Co. 
Flood insurance required. 
For years, we have obtained private flood insurance, ( XXXX ). Last XXXX, New Rez placed lender obtained flood insurance on our property without telling us. XXXX sent documentation to New Rez showing we have private flood insurance and there has been NO lapse in coverage, no claims. New Rez has ignored all documentation and raised our mortgage payment because of their forced flood insurance. Both policies are for the required maximum, {$250000.00}. 
New Rez does not return phone calls nor any attempts to contact them. 
I want them to cancel their lender placed flood insurance & return all payments charged by them. Again, there was never a lapse in coverage.
Product: Credit reporting or other personal consumer reports

I am writing to formally address and dispute the collection account being reported by XXXX XXXX, purportedly stemming from an alleged contractual arrangement with XXXX XXXX. I want to clarify that I have no contractual affiliation or relationship with XXXX XXXX, and thus, I do not recognize any supposed contract they claim to have with me. 

My foremost concern pertains to the lack of documented consent or authorization granted to XXXX XXXX regarding any association with XXXX XXXX. I have not provided any such consent, nor is there any evidence to support XXXX XXXX XXXX claims to the contrary. 

Furthermore, XXXX XXXX lacks the authority to engage in any actions or transactions regarding XXXX XXXX without the explicit consent of the only real party of interest or surety involved. I demand evidence to substantiate any claims of authority that would justify their involvement without proper authorization, which, as of now, remains conspicuously absent. 

Regarding any signature referenced by XXXX XXXX, it is imperative to note that any signature they possess can not be considered valid if it was obtained under questionable circumstances. Therefore, any purported signature attributed to XXXX XXXX, held by XXXX XXXX or XXXX XXXX, is hereby rescinded and invalidated. 

Due to concerns about potential harm and the infringement of the rights of myself and of the surety, I formally declare the discharge of any obligations toward XXXX XXXX due to their communication with me without prior consent from the surety. I also demand the prevention of any trespass against the rights pertaining to the subject matter in question, especially as they pertain to beneficial title holders in private. 

It is crucial to emphasize that neither XXXX XXXX nor XXXX XXXX have been granted permission or consent to furnish any information to credit reporting agencies, especially in the absence of my explicit written consent, which remains absent and unverified. 

Furthermore, I hereby revoke any and all forms of consentverbal, non-verbal, written, or otherwisegranted to Experian, XXXX, XXXX, XXXX XXXX, or XXXX XXXX. Additionally, any security interests purportedly granted to XXXX XXXX or XXXX XXXX are hereby rescinded, revoked, and rendered null and void ab initio. 

I expect a prompt and thorough investigation into these matters and the immediate cessation of any further communication or reporting by XXXX XXXX and XXXX XXXX until these issues are satisfactorily resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified by XXXX, Transunion and XXXX of a collection account from XXXX XXXX XXXX of {$390.00} collecting for XXXX XXXX. I was contacted by XXXX XXXX repeatedly attempting to collect the debt and repeatedly told them I had an account with XXXX and it was not in collections. I asked them several times to confirm with XXXX and they never did. XX/XX/XXXX they reported a collection to the 3 credit bureaus mentions. Consequently, my credit score went down and has kept me from buying a new home! When I filed disputes with the credit bureaus, and provided written confirmation form the creditor the account is not in collections and they are removing the dispute, XXXX refused to remove the account from my credit. They are claiming they have 30 more days to allow the creditor to respond. Even though, when the creditor reported the collection in error, they never verified the account was accurate!! They simply reported it and my score dropped! I believe the credit bureau should give the same credibility to the letter resolving the account as they did to the initial report of the collection. Why don't credit bureaus have to verify incorrect information before reporting it on a credit report?? I have been severely damaged by this action.
Product: Credit reporting or other personal consumer reports

I write to you with deep concern regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX I believe the above accounts are reflecting inaccurate late payments. I expect a thorough investigation as mandated by the Fair Credit Reporting Act ( FCRA ). However, in your prior responses, the agency claimed these accounts were " verified '' without providing the actual sources or evidence of their verification process. According to FCRA 611, I request that the credit reporting agencies reinvestigate the items in my initial complaint. Specifically, I am asking you to : Provide the source of information they relied upon to verify the accounts. Confirm whether they contacted [ XXXX XXXX XXXX XXXX ] regarding the late payments, as this is crucial for establishing the accuracy of the contested items. I am writing to dispute the accuracy of the information contained in my consumer credit report. Upon recent review, I discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. The entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA.
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 Experian and 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX  XXXX BALANCED {$270.00} XXXX XXXX BALANCED {$790.00} XXXX  XXXX BALANCED {$2200.00} XXXX XXXX XXXX XXXX BALANCED {$33000.00} XXXX XXXX BALANCED {$3600.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX  XXXX XXXX BALANCED {$810.00} These ITEMS have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) 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: Checking or savings account

Dear Sir, My Name is XXXX XXXX XXXX, I have Saving and Checking Account in Well fargo for more than 15y, Also I heave safe Deposit Box ACC # ending XXXX joint with My Mom. 
One XX/XX/XXXX, I received letter from Wellfargo saying, they want to close our safe deposit box. 
I call main customer office, they dont know why and ask me to call local office. 
Local office have no answer and ask me to call customer office, both of each time I have to with more than 45min and I talk manager from branch, supervisor from Customer Service. 

I feel that they want to take away Our Safe Deposit box for any perticular Reason. 
I feel that hey are Discriminate again people dont speek much in English. 

Wellfargo Card # end in XXXX Soc # end in XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX- {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Creditor failed to address the issue or even correct the problem. They are not following the Federal Emergency Guidelines laid out by the Cares Act. They need to remove my 2 late Payments on file as I was offered an accommodation to help me during the pandemic. The " Accommodation '' was the removal of my late payment fees. 

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumers loan account to report the account as current unless the account was delinquent prior to the accommodation. 

On XX/XX/XXXX, the CFPB issued a policy statement highlighting furnishers responsibilities under CARES Act section 4021 and informing consumer reporting agencies ( CRAs ) and furnishers of the CFPBs flexible supervisory and enforcement approach regarding compliance with the FCRA. The CFPBs recent compliance guide seeks to clarify the information in the policy statement by addressing common issues concerning the provisions of Section 4021 :
Product: Credit reporting or other personal consumer reports

I checked my credit report and to my surprise all three credit bureau ( XXXX, trans union, XXXX are reporting inaccurate information about a bankruptcy. Bankruptcy court stated they do not report to the credit bureau attached letter
Product: Prepaid card

This involves myprepaidcenter.com. I received 2 prepaid cards in class action lawsuits, one for {$4.00} XXXX and the other {$7.00}. I've tried to use them numerous places, but no one takes them in store because there isn't a QR code. The website lists a few limited places you can use online but they don't work with those limited places either. This is a fraud cause the company gets windfall due to inability to use the cards. I just want my settlement money!!! And now none of their customer service numbers work. FRAUD!
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed unauthorized/fraudulent hard inquiries and realized that I was a victim of Identity Theft. On XX/XX/XXXX I sent dispute letter to XXXX Dispute Center and TRANSUNION Consumer Solutions. I sent these letters through certified mail and they received my letters On XX/XX/XXXX. It is now XX/XX/XXXX and I have heard no response from them or acknowledgment whatsoever. They are being noncompliant. 

In these letters I informed them that there are multiple hard inquiries appearing on my account that are fraudulent and unauthorized. I never gave them permission to furnish this information and I informed them that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

I asked for them to produce any proofs or evidence that they may have that support their claims or where they were right in their decision to furnish this information and I gave them 15 days from receiving the letter to respond - otherwise they need to REMOVE the fraudulent/unauthorized hard inquiries immediately. They never responded & the fraudulent/unauthorized inquiry is still reporting on my account.

I informed them that it is their DUTY by law to ACCURATELY report information and as of now, they are NOT doing that. I also informed them that if they choose to be willfully neglectful as it pertains to my file, I will file a dispute against them in small claims court seeking remedy for said violations. 

I notified XXXX and TRANSUNION that neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 sec. 602, which states I have the right to PRIVACY, in addition under section 604A ( 2 ) states that Consumer Reporting Agency can not furnish an account without my written instruction.
Product: Checking or savings account

My bank charges me overdraft fees if it goes into the negative for even a second. Every single time, religiously. The most I've got them to reimburse me is {$9.00} out of the {$35.00} fee they charge. 

1 ; Why is the bank enforcing overdraft fees during the COVID epidemic? 
2 ; Why is it whenever my girlfriend 's account ( same bank ) goes into the negative she NEVER gets an overdraft fee?
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

Each of the accounts with account/tradelines XXXX XXXX XXXX XXXX XXXX report as a C/O with a " scheduled to report until date '' of XX/XX/XXXX as reported by TransUnion. The courts within my Federal Judicial District have published a case that demonstrates how C/O are established relative the Date of First Delinquency ( see : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted seven ( 7 ) years from the " Estimated month and year this item will be removed '' date. The " Estimated month and year this item will be removed '' date for the accounts herein is XXXX XXXX XXXX XXXX. Applying the method demonstrated by the Court to the accounts herein, by subtracting seven ( 7 ) years, yields a Date of First Delinquency of XXXX XXXX XXXX XXXX XXXX can not be the correct Date of First Delinquency for these accounts because the accounts are listed " OK '', ie. paid on time, for that month and were in a forbearance. Therefore, the Date of First Delinquency is false or inaccurate. Thus, the payment history leading to the charge-off is false or inaccurate for these accounts and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is improperly reporting my XXXX XXXX cards, they are not reporting them at all on my report therefore my credit score is wrong with them. I contacted XXXX XXXX and they ensured me they report to Equifax, therefore my credit score, amount of available credit and total credit cards reported by Equifax is WRONG.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION