23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, Im shocked, surprised, stressed out both physically and mentally to find this XXXX collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
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 

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 : Unknown # XXXX - Date Opened XX/XX/XXXX - Balance {$760.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Around XX/XX/XXXX I deposit a check of the amount of {$31000.00} the check was clean on the XXXX since that day the chase bank asking for lot of questions that I already answered they also requested a phone number from the agency who wrote the check I also provided that information to chase, now they close my bank account but they said they gon na keep my {$31000.00} cause they have to investigate where this money comes from I already tell how I get this check but they asked for much more information that i already give to them.
Product: Mortgage

Stearns Lending, located at XXXX XXXX XXXX XXXX  XXXX, VA XXXX is a low budget, poorly managed company. I own many homes across the US and this is by far the worst company to conduct business with. The mortgage insurance depart failed to complete a simple mortgage e-bill with XXXX back in XX/XX/XXXX. As a result, the policy was cancelled and not caught by Stearn 's mortgage team until XX/XX/XXXX. Stearn 's sent 1 notification letter stating a cost 2X the market would be placed on my home for lapse in coverage retro dated to XX/XX/XXXX. I was informed that if I did not respond by mid XX/XX/XXXX, the policy was continue for the upcoming year. I was shocked and appalled by the lack of professionalism in the process as I spent >8 hours on the phone unpeeling the history and cause of this error. The results left me with on out of pocket lost of over {$1000.00} and continued frustrations. The error was not mine but I am paying an unreasonable rate for the gap in time that already passed. Stearn 's predatory practices allow them to pray on consumers trust and strip profit from both their mortgage and insurance departments.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to correct or delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still 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 investigations, you stated in writing that you verified that these items are being reported correctly. 
I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at XXXX who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my original 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE or CORRECT all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be CORRECTED or DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a complaint with the CFPB regarding an erroneous report by Jefferson Capital Systems on my credit report. In response to my complaint, Jefferson Capital Systems stated, " This is in response to the complaint we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX regarding the XXXX XXXX  debt that we acquired in his name, which is now associated with JCS Reference # XXXX. Our records reflect that we mailed a Right To Dispute letter on or about XX/XX/year>. However, in an effort to resolve this matter, we have terminated collection efforts on the debt. Be advised that we requested the credit bureaus delete our tradeline on XX/XX/year>. Thank you for the opportunity to respond. '' Despite their assertion that they requested the deletion of the tradeline on XX/XX/year>, the erroneous item remains on my XXXX credit report as of my most recent report dated XX/XX/year>. This continued presence of inaccurate information is causing significant distress and negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand an immediate investigation and removal of these inquiries.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately. Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the XXXX timeframe as mandated by the FCRA.
Product: Credit reporting

My name appears on a civil action for possession that is incorrect. I have never lived in those apartments. I have tried on several occasions to call the management of the property ; however, no one answers. I went to the leasing office of the property and no one answered the door. I need this inaccurate information remove from my credit history because it hinders my chances of moving. On-Site has this inaccurate information under Landlord Tenant court records ; however, the XXXX credit bureaus show no public record items for me.
Product: Payday loan, title loan, or personal loan

I took out an installment loan with possible fianc XX/XX/XXXX for {$75.00}. I successfully made two payments. I unfortunately had to file bankruptcy on XX/XX/XXXX. The balance of $ XXXXwas included in the bankruptcy which was ultimately discharged XX/XX/XXXX. 

I have been reaching out to Possible Finance for 3 days because though its been discharged they have not removed the loan from XXXX open deferred presentment database. Ive spoken to the a Supervisor at XXXX XXXX XXXX who actually monitors the database and it must be removed by Possible Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When reviewing my credit report I noticed an account being reported by XXXX XXXX XXXX. They were reporting a debt from XXXX in the amount of {$1500.00}. I contacted this company as well as XXXX, XXXX, and Transunion in reference to the report and all parties continued to report the account despite me alerting of them on 4 separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of their failure to meet minimal reporting standards. This is outrageous and the failure to address my complaint is causing hardship to my life. I'm trying relentless to correct this issue. I have been trying my best to obtain different employment however the jobs I'm seeking include credit checks as a part of their employment process. This is embarrassing to my record as my credit score is a representation of my trustworthiness and this is not a great reflection, especially when this account is being reported against standards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX Maryland XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX AND Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Who it May Concern ; Note : - XXXX ( never responded and has ignored all request ) Sometime ago this year your office received my request for ; my credit report to be cleared from aged debt. Debt that has been there and sold, recycled and put back on my credit report as new, when its been there past the timeframe it should be.A credit reporting company generally can report most negative information for XXXX years and it has been way past 7 years. 
I then ask that you then provide proof that I have given authorization of an inquiry on my credit. You have not responded to my request and you are in DEFAULT.

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding those derogatory items that is listed on my consumer credit report : All good standing credits should remain.

Immediately remove any derogatory reporting to the credit reporting agencies because you are causing defamation of my character and I will be forced to take legal actions against you.

PS : Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated. 


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

CARMAX AUTO FINANCE XXXX Opened XXXX  Balance {$15000.00} Many times delays that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations.
Product: Debt collection

Debt was paid by XXXX health care department. The debt was paid in full and was never my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A XXXX  DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Product: Credit card

I have an account with target I pay my bill on time every month but I have noticed for the past few months when I check my available credit it tells me I have a certain amount then 2 days later it 's gone ex paid XXXX bill on the XXXX went to target spent XXXX on the XXXX I only have {$9.00} available credit called them they told me it was interest for XXXX I asked them is n't XXXX interest included in my XXXX payment and he said yes so the why I see it I 'm paying interest twice. I told him if I have {$200.00} credit available at XXXX XXXX and I spend XXXX I still have XXXX left until my next billing cycle I have never heard of this type billing before
Product: Credit reporting or other personal consumer reports

Complaint Regarding XXXX Bank, Equifax, and XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding ongoing issues with XXXX Bank XXXX Equifax, and XXXX that have significantly impacted my credit score without valid reasons or explanations. 

The crux of the issue lies with XXXX Bank 's attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, XXXX Bank alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than 30 days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, Equifax recently dropped my credit score by XXXX points and XXXX XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both XXXX Bank and Equifax. Specifically, I request the following actions : Equifax Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review XXXX Bank 's response and ensure that they address the theft of my car situation appropriately. 
I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue. 

Thank you for your time and consideration.
Product: Checking or savings account

On XX/XX/XXXX & XXXX XXXX  I was playing an online casino where I won some money. XXXX, XXXX, XXXX, XXXX. All 4 withdraws from the casino has been paid. But only 3 of them went into my account. I have spent all day and most of the evening chatting or on the phone with cash app and all I get is the run around. I sent them proof I was suppose to receive 4 payments and they wan na talk about days later. When I was on the phone with them it ended with me asking for a supervisor and she got onto the phone and said from this point on communication would be through email. Which I still have yet to receive a voicemail.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Student loan

In XXXX, I lost my job ( and only source of income ) for the third time in eight years. I had worked as a XXXX XXXX for six years and at a XXXX  ( XXXX  ) ( XXXX  )  XXXX  for five years between XXXX of XXXX and XXXX of XXXX. I had faithfully made payments for over ten years and was denied any student loan forgiveness. In fact, they initially REFUSED to allow me to even apply for it. I tried to file for a hardship forbearance and was denied. They claimed I didn't qualify. By winter XXXX, I was unable to continue making payments and stopped paying my monthly payment. In XX/XX/XXXX, I filed for bankruptcy and included them in the notification. I contacted them again to try and reduce my payments and they again refused. I was threatened that if I failed to make my payments, they would sue me and " take everything I have ''. In XXXX, I began making payments again and caught up on the payments I had missed by XXXX or XXXX of XXXX. I continued making my regular payments until XX/XX/XXXX after the CARES Act was passed. I made the XXXX payment and the day after my account showed zero interest, no payment being due, and that it was in forbearance. In XX/XX/XXXX, I began receiving calls, emails and bills from XXXX. Both the calls and the emails were flagged as a scam by the service carrier. In late XXXX, I noticed that my account still showed no payment was due but no longer showed it was in forbearance. I called to find out what had happened and was informed that my account was in default and that they have not received payments from me since XXXX XXXX.I asked them to check again because my last payment was in XXXX and they grudgingly admitted that they had received payments. However, as a " consequence '' of filing bankruptcy, my account was listed as in default. At no point did my account reflect that it was in default. I haven't received ANY notifications by mail or on their portal about being in default OR that they had sold my account to thugs licensed as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has omitted or purposely left off the last payment date off both credit entries they manage knowingly.
Product: Debt collection

I checked my credit report on XXXX and noticed a company called Upgrade Inc was on there with a balance of over XXXX that I am not aware of ever opening. I was charged a payment to my checking account for over {$100.00} today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, XXXX, Equifax, and XXXX, each of these accounts year to date credit reporting ends in 2017. There appears to be no credit reporting since 2017 on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9600.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.