23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to the XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Indiana ) in which I explained that I had been disputing a Chapter XXXX bankruptcy that was listed out of there courtroom in XXXX, IN. I explained that TransUnion stated that this information listed on my report was verified by the courts and I kindly asked what there procedure or policy was on how they verify bankruptcys w/credit bureaus Trans XXXX XXXX XXXX XXXX On XX/XX/XXXX I received the letter back from the XXXXXX/XX/XXXX ( see attached letter ) in which it stated that under the Fair Credit Reporting Act federal and state laws prohibit them from giving any advice nor verifying anything that is reported on ones credit report. So I immediately sent out a letter to Trans Union on XX/XX/XXXX ( see attached letter ) in which I clearly stated to them that the information you said that was verified by the XXXX XXXX Bankruptcy XXXX was either made in error or was clearly just a plain out lie because as you will see in the letter I attached ( to Trans Union XXXX XXXX XXXX XX/XX/XXXXXXXX ) it clearly states that fed and XXXX laws prohibit them from verifying and information about ones bankruptcy nor do they have any control over how trans union verifies this information. So that would mean that Trans Union lied when they stated that the information was verified by the XXXX XXXX Bankruptcy court which would then mean that the information is inaccurate and has violated my Fair credit reporting act rights and that it should be removed immediately. Well fast forward here we are into XXXX of XX/XX/XXXX and I am still fighting this matter with Trans Union XXXX XXXX XXXX because they either have me mistaken w/someone elses info or plain out have just made a mistake and will not erase this from my credit report. I have attached a letter from XXXX XXXX dated XX/XX/year> in which it clearly shows that the disputed information ( chp XXXX Bankruptcy ) was NOT verifiable and that it has since been removed yet however Trans Union will NOT remove this bankruptcy from my credit report which I have been fighting for almost a year now. They are falsely listing something under my name and in violation of the XXXX fair credit reporting act which they have violated my rights and plain out lied about the fact that the courts verified the bankruptcy. I hope that after filing this complaint that the CFPB will help me to get this chapter XXXX bankruptcy that is NOT MINE off of my credit report so I can finally purchase a home for me and my children because this whole matter has done nothing but cause me so many issues for no reason at all. TRANS UNION is the ONLY credit bureau that shows this listed not XXXX or XXXX only Trans Union. Please help me in getting this false information removed off my report. Thank you Sincerely, XXXX XXXX XXXX attached files w/letters I sent to these companies.
Product: Debt collection

Yes that was occurred by my ex-husband without my knowledge or my consent I do not have a credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Product: Credit card or prepaid card

I was sent a letter in a first-classmail, postage-prepaid envelope, saying the sending company received an application for a credit card. The return address is : Barclays XXXX. XXXX XXXX XXXX, DE XXXX Aside from the fact that I did not apply for their credit card, this address is out-of-state. They also chose to attach the optional four digits of a ZIP code in the recipient address, but these four digits do not match those of my actual address. Immediately below the recipient address is a USPS Intelligent Mail barcode, which contains the same false extra digits encrypted. On the center right is a XXXX XXXX code that gives a 16-digit number when decoded. A little over two inches above, a small six-digit number beginning with a " 0 '', followed by " 1/1 '', is written and rotated 270 to fit in the letter 's right margin. On the left margin ( also rotated 270 degrees is a six-digit string, with three capital letters and three numerals. There is also, of course, the alleged company Barclays ' letterhead in the top-right corner, with a leftward-looking eagle silhouette logo to the left of the company name. 

The letter reads as follows ( personal information redacted ) : " Application : [ 8-digit number ] " XX/XX/2018 " Regarding Your Application for the Barclays Visa with XXXX XXXX " Dear [ first and last name in all caps ], " Thank you for your recent application for the Barclays Credit Card. 

" We have reviewed your application and determined that additional information is needed before we can process your request. 

" - Please send a copy of the front and back side of the following documents : " - Your Drivers License/State ID, Social Security card, and a current original utility bill or bank statement with your name and address. 

" Please respond within 30 days of the date of this letter by sending the requested documentation to the address below. If we do not receive a response within 30 days we will be unable to give your application further consideration. 

" Card Services " XXXX. XXXX XXXX " XXXX, DE XXXX " We looking forward to hearing from you to complete the processing of your application. 

" Sincerely, " Barclays '' [ no signature ] In smaller print : " NOTICE : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Barclays is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington , DC  XXXX. 
" The Barclays Credit Card is issued by Barclays Bank Delaware, XXXX. XXXX XXXX, XXXX DE XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have documentation from the creditor regarding the account with XXXX XXXX XXXX that the balance reported, payment history and date of last activity is inaccurate. The bureau continues to use an electronic system to verify the account without performing a lawful investigation as outlined in the FCRA. The account is updated each month after they have claimed to verify it the month before. I am demanding removal of this account due to its inaccuracy and this companies failure to investigate which is against my rights. The creditor is also attempting to collect more than the balance owed and reported. This reporting is littered with errors that are unacceptable and preventing me from acquiring credit. 

The account is verified as accurate. Continuous updates to the account after they verified several times before that it was 100 % accurate. It can not be accurate when it is different reporting on each bureau and doesn't match my documentation from the creditor. The account type is also incorrect. The most recent update shows that the written off balance is over {$57000.00} when the original price of the vehicle was less than {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in XXXX XXXX Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on this account is grossly inaccurate. I have asked the credit bureau to investigate and validate this debt and furnish the following : 1. Original Contract 2. Payoff Disclosure 3. Interest rate disclosure 4. Valid and correct Balance history 5. Valid and correct payment history 6. Proof of credit insurance None of the information requested has been furnished and provided to me by the credit bureau and the debt listed on my credit report is grossly inaccurate and should be removed according to the law. 


The account number on my credit report for this account is : XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On around XX/XX/XXXX an alert showed from XXXX about a collection debt from Hunter Warfield for {$7000.00}. 
Hunter Warfield is a collection agency for apartments. The original Creditor is XXXX XXXX  at XXXX in XXXX TX an apartment complex that I have never applied for. 
This debt was opened fraudently in my name around XX/XX/XXXX. 
I've never lived in XXXX. Calls to the apartment complex have gone unanswered. 
Meanwhile I'm disputing this inaccurate information and XXXX says the item was accurate and validated. This is not my debt. I have been subject to identify theft for the past 3 years from the data breaches to where I've put a credit freeze on my account. The XXXX dispute was closed on XX/XX/XXXX and I've called and opened another dispute for this item. I have also contacted the XXXX  on Hunter Warfield.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX  {$500.00} ; XXXX XXXX XXXX XXXX XXXX  {$8700.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX XXXX XXXX {$150.00}.
Product: Debt collection

I SEND CARMAX AUTO FINANCE A RESCISSION OF SIGNATURES ON XX/XX/2021 WHICH IT WAS RECEIVED ON XX/XX/2021 FROM THAT DATE THE COMPANY CARMAX AUTO FINANCE HAD 20 DAYS FROM IN WHICH THEY RECEIVED MY RECISSION OF SIGNATURES DOCUMENT AS STATED IN 12 CFR 226.23 ( D ) ( 1 ) ( 2 ) & I WAS SUPPOSED TO GET BACK MY VEHICLE I NEVER RECEIVED MY VEHICLE & THE COMPANY SOLD MY VEHICLE IN WHICH CFR 1006.22 ( e ) ( 1 ) ( 2 ) ( 3 ) ( e ) Nonjudicial action regarding property. A debt collector must not take or threaten to take any nonjudicial action to effect dispossession or disablement of property if : ( 1 ) There is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( 2 ) There is no present intention to take possession of the property; or ( 3 ) The property is exempt by law from such dispossession or disablement.
Product: Checking or savings account

I have XXXX debit cards with Bank of America. Both were lost/stolen on XX/XX/23. I called Bank of America to cancel and replace both cards. As of XX/XX/23, neither card has been received. Furthermore, Bank of America did NOT cancel the debit cards, potentially opening my account to fraud. I called Bank of America on XX/XX/23 and asked for them to properly cancel the cards and send them via tracking number. BOA refuses unless I pay {$15.00} per card. I asked for this to be waived due to their mismanagement and was told no. Those fees need to be waived to the account considering their mismanagement of cancelling the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing a collection agency has not reported to the Credit Companies since XX/XX/XXXX about our loan it is still showing a balance of {$23000.00} which was the balance on XX/XX/XXXX and has been paid in full with payments in between last payment was paid XX/XX/XXXX and we have a XXXX balance which has not been reported to the credit companies and nothing has been reported to the credit companies since XX/XX/XXXX which is totally wrong and not fair or right. They are more concerned about bankruptcies than their customers and having to report to the credit Companies. To wait that long is just not right and last I heard they do not expect to report until XX/XX/XXXX which would be over 5 months since they last reported. Really and they are a collection company!
Product: Credit reporting

Information they are asking me to verify my account is not relevant and none of it relates to me. It keeps denying me a copy of my report saying I have failed to verify information that is not mine. Addresses and liens are not mine, as well as some charges from comcast related to the bad address. This is from equifax. The other agencies responded and removed the information from my report.
Product: Credit reporting or other personal consumer reports

Hello inside you will find my dispute detailing my concerns regarding the company and violations of both FCRA, FDCP, CFPA, and METRO 2. I recently disputed this account requesting a thorough investigation and to be supplied with ACCOUNT LEVEL DOCUMENTATION and EXPERIAN advised me the information was VERIFIED AS ACCURATE but provided no proof to back their claim. This account was also reporting to XXXX AND XXXX they have removed the account due to lack of DOCUMENTATION. EXPERIAN 'S REFUSAL to delete this inaccurate account shows WILLFULL NONCOMPLIANCE AND NEGLIGENCE UNDER FEDERAL LAW, resulting in harm to my financial standing. I've also attached a statement from XXXX proving the removal of the account.
Product: Credit reporting or other personal consumer reports

The XXXX tradeline contains patently inaccurate information. The tradeline is inaccurate because the CURRENT PAY STATUS shows the debt is a CHARGE OFF. This debt has been paid so the current pay status should indicate that the account has been paid. The tradeline is also inaccurate because I did not open this account and I did not authorize the account to be opened. This account was opened without my knowledge and authorization and should not be on my report because it is not my account. I immediately paid the account when I learned about it because it was destroying my credit, and I was told it would be removed if I paid it. When I disputed the account as being fraudulent, I was told that I would have to prosecute the person who opened the account my wife so I did not purse that.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX XXXX XXXX  was showing XXXX XXXX XXXX instead of XXXX XXXX XXXX. 
My XXXX XXXX showed XXXX XXXX XXXX without XXXX of the marriage being resolved. The State and Federal agency have fixed the error but the credit agencies have not. 

Evidence ss #, re marriage without motion of default and signed from both parties, XXXX XXXX Washington XXXX XXXX XXXX stating my legal name to my husband by law
Product: Mortgage

Please be advised that due to several financial off-set situations, I am facing to possibility of filing a Chapter XXXX bankruptcy petition. I purchased a home that I still own in the state of XXXX, but due to a serious family matter I had no choice but to move to the XXXX of XXXX. I have full intentions of moving back into my XXXX   home, but I can not do that until I resolve several financial obligations. Accordingly, I am requesting a forbearance on my mortgage for a period of six months. I am also requesting my interest rate to be reduced to a standard 2.5 % after modification. The forbearance will cease all payments while I prove my current hardship, and my game plan to work my way out of it. You will be faxed a full power of attorney from my law firm within the next few weeks, and this firm will handle all aspects on my financial restructuring. Therefore, I request a fair process under the modified Fair Debt Collection Practices Act of XX/XX/2014 to be applied to my rights. Under the provisions of this federal law, all threats of foreclosure must cease immediately, all threatening phone calls must cease, and an open dialogue must be opened while I fulfill this financial workout arrangement.
Product: Credit card

We hired Square as our business credit card processor. After weeks of successfully processing and funding over {$100000.00} of sales, Square abruptly canceled our contract with no notice and no reason. Square then withheld a total of 3 transactions ( from last XXXX ) totaling {$9100.00}, promising to pay them in full by XX/XX/2023. Despite repeated emails to Square and responses that Square has received our dispute, none of the withheld funds have been returned to us. Square is now fraudulently withholding {$9100.00}.
Product: Credit reporting or other personal consumer reports

Items were not removed from my credit report XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts are not mine
Product: Credit reporting or other personal consumer reports

Incorrect name. 
Correct name is : XXXX XXXX XXXX I would just like XXXX, XXXX and Experian to correct it. 
I have submitted my drivers license and they wont correct it.
Product: Debt collection

I have repeatedly contacted this company in an attempt to get this debt verified as it does not belong to me. Perfection Collection is not the original debt holder and refuses to give me any information about who they purchased the debt from. They simply make snarky, rude comments and then hang up the phone. On my credit report it says this debt originates from a XXXX XXXX Credit Card. I have never owned a XXXX XXXX Credit Card and no one at XXXX XXXX can find any information about any account ever being opened in my name. In addition to refusing to give me any information about the origin of the debt, Perfection Collection refuses to investigate its validity as required by law.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was in contact with someone selling us a puppy for {$650.00} dollars. I paid them through XXXX, then they stopped answering my texts altogether. They didn't answer any of my questions and didn't send any of the requested pictures and videos of the puppy. I immediately asked them for a refund, still no response. And, of course, I never received the puppy. I called my bank ( Capital One ) immediately, and they said they would do everything they could to get my money back. A few days later, they refused my claim and said over the phone, and I quote, " I'm going to be honest with you. I'm sorry you were scammed, but you knew what you were doing when you sent that money. '' That made me a little frustrated because it wasn't very friendly and also made me feel a bit stupid. I then told the agent that I filed a police report, and she told me to send an email to their disputes department explaining that I had filed a police report. It has been a couple weeks, and I still have not received a response from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX