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

Subject : Urgent Complaint and Request for Removal of Improper Charge-off XXXX XXXX ACCOUNT ENDING XXXX I am writing to formally contest and demand a prompt investigation and deletion of improper charge-off entries reported by a third-party collection agency on my credit report. These entries have significantly damaged my financial reputation, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It's important to note that I have never had a contractual agreement with this collection agency. Their reporting of my credit data without a contractual relationship is not only unfounded but also violates several legal standards regarding credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The charge-offs reported, which are effectively claims of debt I have not acknowledged, are listed on my credit report without my consent, clearly breaching established rules of lawful credit reporting. Also know as certificates of indebtedness. 
XXXX. **Failure to Provide Form XXXX : The agency did not supply me with Form XXXX for debt cancellation, crucial for correct tax filing and IRS compliance. This failure exposes me to potential tax non-compliance risks. 
XXXX. **Violation of Privacy Rights** : This reporting breaches the Privacy Act of 1974 ( 5 U.S. Code 552a ), which offers strict protections against unauthorized disclosure of personal data.

4. **No Contractual Relationship** : There is no formal agreement between me and the agency, making their credit reporting a direct violation of my consumer rights.

5. **Opt-Out Rights** : Per regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am officially withdrawing any implied consents for sharing or reporting my credit information. 
Considering these issues, I request an immediate review and removal of these erroneous entries from my credit report, along with written confirmation of this removal. Please be advised that I am ready to pursue further action, including legal measures, to correct my credit information and defend my rights. 
I appreciate your prompt attention to this critical issue and await your swift action and response.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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 A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

A personal credit card account opened with XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

A personal credit card account opened with XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

A collection account with XXXX - XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ). 

A student loan account opened with XXXX on XX/XX/XXXX under the account number ( XXXX ). 

These accounts 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 # 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

My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an XXXX report had been file and it's attached to this complaint, a police report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers.
Product: Mortgage

On XX/XX/XXXX, I made a payment and did not get a confirmation, and assumed the payment did not through, and proceeded to make a second payment, this time obtaining a confirmation number for the payment. 
I called customer service to confirm whether they had received one or two payments. I was informed they had received two equal payment, I requested for them to cancel one of the payment since it was a duplicate. 
On XX/XX/XXXX, {$3500.00} were drafted from my checking account. However, Shellpoint, reverse that payment on their end, and did not apply the credit to the loan account. They dispute that they never received the money, however, supporting documentation from my bank account shows otherwise. 
I have called for 4 days, sent faxes, emails, submitted requests from their online portal, called numerous time and no one knows what to do, how to fix this. 

The account is now past due, and I am unable to make further payments until I pay at least 50 % of the fees due according to their records. 

Shellpoint claims the never drafted the money but can not prove it. I have proof that they did take the money out, and did not applied to the loan.
Product: Debt collection

I have a duplicate collection on my report from the same company for a device that was returned to them. I was never notified that they didn't receive it or that i owed anything. They just put 2 collections on my report from the same thing. I tried disputing that i mailed it but their systems are so bad that they never showed they recieved it so i just paid the collection to get it off my report. However, it is still on my report and it is not even showing paid. This has got to be illegal. Please help me to get this removed. Thanks
Product: Credit reporting or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( 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 ( 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 XXXX 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.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

ACCOUNT : XXXX  XXXX Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hire Credit Saint for repair my credit, they offer me the best package for initial payment of {$190.00} dollars and $ XXXXmonthly payment after that.

they told me if after 90 days no result they return the money when the 90 days my account still almost the same they remove 3 items on XXXX the same in XXXX nothing in XXXX when I called at 90 days they told me wait for another 45 days to remove for items they schedule a call at XX/XX/XXXX XXXX ; XXXX XXXX but nothing was removed still the same. when i tried to cancel a manager called me telling they don't return the money because they working on it and suddenly appear in the web site of them XXXX items removed on XXXX and XXXX XXXX around 6 We started on XX/XX/2022 they collect the first payment of {$190.00} XX/XX/XXXX second payment XX/XX/XXXX {$110.00} Third payment XX/XX/XXXX {$110.00} Fourth payment XX/XX/XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

I sent certified letters on XX/XX/2023, and XX/XX/2023, to Experian, XXXX and XXXX. However, the credit bureau said they completed the investigation, and everything was 100 % accurate. 


According to the law 15 U.S. code 1681a - Definition ; rules of construction The term ''investigative consumer report '' means consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbor, friends or associates on the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer. 

I would like to know who they talk to. 

How did they complete this investigation?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

My car was repossessed XX/XX/22 - nobody reached out to collect debt. My payment date was not until today ( XX/XX/22 ) they did not allow me to the full day to make the payment. My car was taken, and they did not alert the police, so I thought my car was stolen all morning until I decided to call them. I know the company has been flagged before ( XXXX XXXX AND XXXX ) for fraud. I have reached out to my car dealership via mail about my contract as well no answer. I did speak with someone over the phone about filing a dispute for wrongful repo and told them I would be filing a complaint for my car being illegally seized and my information being given to a 3rd party without my permission ( towing company ). When the supervisor ( XXXX XXXX ) called me back, she said she would not dispute it because they haven't done anything wrong. No information was given on where to get my car from either they only gave me information to get my personal items. A neighbor told me later on in the day that my car was snatched open earlier in the morning and drug down the street, so I also have concerned about the state my car is in as well.
Product: Credit card or prepaid card

I purchased a XXXX vanilla gift card went online to register then proceeded to XXXX to make a purchase when trying to make purchase card was declined myself and merchant tried several time with no success merchant instructed me to contact company which I did I'm store I was told my card had been used online for several other transactions and I couldn't file dispute I can't view transactions online and i have proof I was in XXXX with card while the transactions was taken place I have original receipt for gift card as well as packaging
Product: Student loan

Mohela will not answer any phone calls. I have been calling several times over the past few days, and receive an automated response that " due to an unprecedented amount of calls, we can not take your call. '' When I try to submit a message online to them, it says " we don't take online messages about this topic, please call us instead. '' and when I call them, they say they aren't taking calls.
Product: Debt collection

I am filing for bankruptcy and have told the company this multiple times. I have even submitted a prior complaint, which is what stopped the phone calls and bills previously. I began receiving bills and phone calls earlier this week and called the company ( XXXX/17 ) to tell them to cease contact unless it is through my lawyer. The employee who answered was very rude and, after only giving her the phone number they are using to contact me, told me sensitive information about my accounts.
Product: Money transfer, virtual currency, or money service

Disputes were made nothing was done, money was taken and not returned
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  and Equifax about multiple accounts that are showing on my credit report that do not belong to me. I have contacted XXXX  and Equifax by phone and by regular mail and certified mail multiple times and provided them a copy of my recent credit report outlining that I was a victim of identity theft/identity fraud yet they have refused to act in compliance with the FCRA Section 605 ( B ) by utilizing my police report and blocking this fraudulent information from my credit file. There are multiple accounts on my credit file that do not belong to me, and I have painstakingly attempted to resolve this with them. The following accounts do not belong to me : XXXX XXXX Credit Card with a balance of over {$8000.00} XXXX XXXX XXXX loan with a balance of over {$3000.00} A XXXX XXXX Credit Card that has no balance, but is still not mine and the credit limit is around {$30000.00} These are not my accounts and were opened fraudulently in my name by a thief using my correct personal information that was obtained unlawfully.
Product: Debt collection

Thursday XXXX/XXXX/2016 I received a call from a number listed as my local court house. XXXX. I was told that I was being sued and needed to be served my papers for court the following day at my place of home. She asked me for my current address, and I gave it to her thinking it was for a legal matter. I asked the lady who was suing me and she stated she was n't sure the documents were sealed. She stressed the documents did have a mediation stamp and that means I can contact the attorney and settle before XXXX XXXX that day and not be served. She gave me the number to the supposed attorney whom I contacted immediately at XXXX And a gentleman answered the phone and I told him who I was he pulled me right up and explained my debt of {$680.00} that I could make in payments of half then and half XX/XX/XXXX to settle outside of court. I explained I was just getting back from XXXX leave and would only be able to make payment of XXXX and the remaining on XX/XX/XXXX and XX/XX/XXXX. He then transferred me to the payment center and a lady took my payment, She explained she would go ahead and send me receipt to my email immediately after. I waited and never got a receipt finally wrote and called the number back Friday and Saturday and was told they would get it to me as soon as possible. I finally got the receipt and noticed they had my current address, which no one has except the lady that called from the " XXXX house '' so I got to thinking I wonder how they got my updated address. I decided to contact the court house this morning at XXXX and make sure everything was settled. I was informed by the representative from the justice of the peace that I never had a case against me and they would never even call me before they serve. So I have caught this company in a lie. They represented their selves with a legit phone number saying they were the court house in my county. So I am highly upset and will be filing complaints with everyone I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I contacted Lexis Nexis Risk Solutions Consumer Center via certified mail to challenge the validity of an alleged bankruptcy that Lexis Nexis have listed on my consumer report. Lexis Nexis responded via mail that their bankruptcy reporting is accurate, and that Lexis Nexis verified the bankruptcy by contacting Virginia Federal Bankruptcy Court. I, too, contacted Virginia Federal Bankruptcy Court on XX/XX/2021, and was informed in writing on XX/XX/2021 that Virginia Federal Bankruptcy Court did not verify any information with Lexis Nexis. On XX/XX/2021, I contacted Lexis Nexis via certified mail and requested that Lexis Nexis provide me with the detailed method that Lexis Nexis used to verify the the validity of the alleged bankruptcy. Lexis Nexis has failed to respond within the allotted 30 business day time frame.
Product: Debt collection

Dear to whom it may concern : I recently pulled up my Experian report and I noticed a derogatory remark on there.

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company 15 days to respond to this matter.

Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Original Creditor : XXXX  Account Number : XXXX Debt Collector : XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by lawyers wanting to represent me in order to get rid of hard inquiries and derogatories on my account. I wasn't aware that there were hard inquiries and do none have contracts with these companies. Due to the fair credit reporting act, legally, these unverified and unauthorized items need to be removed. Please remove them. The accounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$180.00} ; XXXX XXXX Balance : -.