23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XXXX XXXX, i sent CAINE WEINER a letter about validation of the alleged debt of XXXX that i don't owe.It was sent usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was delivered on Delivered : Tue, XX/XX/XXXX, XXXX XXXXCAINE WEINER sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$490.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, CAINE WEINER has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Product: Credit reporting or other personal consumer reports

I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. I am exercising my right as a consumer and I demand that you immediately delete and remove this information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family. 

-- FOR TRANSUNION & XXXX -- XXXX XXXX I found that XXXX persists in reporting these accounts as late when it comes to payments. It is definitely an indication of inaccurate reporting. Here are the accounts I am referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX LAST 4 OF SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that fully intent to pursue litigation in accordance with the FCRA to enforce my rights and see relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation federal Law. You are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of your first investigation and subsequent reinvestigation you stated in writing that you verified that these items are being report correctly. Who in your company verified these accounts are mine? How did they verify them? You still have not provided me with the name of the individual, business address, and the telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & 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 DELETED all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for ( Section 616 & 617 ) if you fail to comply with this 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 that you send me copies of the documents you used to verify the following accounts list below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 



Name of Account : Account Number Provide physical Proof of Verification : 1. XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT 2. XXXX XXXX XXXX XXXX. XXXX UNVERIFIED ACCOUNT 3. XXXX XXXX UNVERIFIED ACCOUNT 4. XXXX XXXXXXXX XXXX XXXX UNVERIFIED ACCOUNT 5. XXXX XXXX XXXX. XXXX UNVERIFIED ACCOUNT Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX case number FOCUS PAY ATTENTION They keep saying I GAVE WRONG INFORMATION. THAT INFORMATION THEY HAVE DOES NOT MATCH. I DO NOT LIE I DO NOT GIVE OUT FALSE INFORMATION. THEY MUST SUPPLY ME FIRST WITH WHAT EVER INFORMATION THEY CLAIM IS WRONG. I WILL NOT GIVE ANY MORE OF MY INFORMATION UNTIL I SEE WHAT THEY SAY IS WRONG INFORMATION. THEY NOW HAVE SENT i BELIEVE THE 4TH REQUEST OF MY PERSONAL INFORMATION BUT HAVE NOT SHOWN ME WHAT THEY SAY DOES NOT MATCH. 


PROVE IT WHAT IS WRONG INFORMATION!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

INSPIRE BELIEVE DREAM XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX XXXX was charged off, but it is incorrectly listed as open on my credit report. Since it has not been actively updated and is inaccurate, I am requesting it be corrected to show closed and charged-off or removed entirely from my credit report.
Product: Credit card or prepaid card

I applied for the " XXXX '' XXXX XXXX And completed all requirements and then I was supposed to be sent the card to use. NO CARD! There is no way to contact them. Everything is verified and completed and still no card. Please explain to me why I can not get access to a card attached my my account?? Thank you- XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$230.00} Date of XXXX
Product: Credit card

This complaint is now going against FNBO First National Bank of Omaha -this dispute started back in XX/XX/XXXX where XXXX XXXX received funds from my XXXX account to pay for my XXXX gas card. These funds were transferred on XX/XX/XXXX in the amount XXXX. The following month again funds were transferred to XXXX XXXX for my XXXX gas card in the amount of XXXX on XX/XX/XXXX. These funds were never credited to my account and when I asked why they stated that XXXX bank no longer handled the XXXX gas accounts and that I would have to work with FNBO which I began to do. Multi calls and investigations took place by FNBO but eventually I was advised that it would be my responsibility to work with XXXX XXXX because they were no longer working with them and they did not received the funds. Again multiple calls and faxing of documents I finally ( 1 year later XXXX XXXX XXXX found the money and they did prove they wired it over to XXXX on XX/XX/XXXX and XXXX/XXXX/XXXX. I have now provided this information to XXXX and as of today XX/XX/XXXX I am unable to get any credit to my account which is being added interest and late fees each month. This situation has not only effected my credit score but also my children 's even though they were only authorized users. This is so hard to understand as a consumer how banks can move your funds between them and it take 1 year to figure out where the extra money that they have should go.
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 Bureau 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 : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX : XXXX XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting

A Collection Debt has been on my Experian Credit Report for over 13 years. I have asked it be removed in the past and Experian has responded by changing the " Open Date '' to make the debt seem current. This has happened several times. As of today, the debt still remains as a collection debt on my report with an open date of XXXX even though Experian has been reporting this collection debt since XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX  # XXXX, I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my Car Loan balance with XXXX XXXX XXXX XXXX XXXX many times with Equifax. As of today the Car Loan balance with XXXX XXXX XXXX XXXX XXXX is wrong and disputed. 

The previous disputes with Equifax are listed below : Equifax Confirmation Number : XXXX 1. Submitted XX/XX/20 2. Active 3. Closed Equifax Confirmation Number : XXXX 1. Submitted XX/XX/20 2. Active 3. Closed Equifax Confirmation Number : XXXX 1. Submitted XX/XX/20 2. Active 3. Closed
Product: Mortgage

To whom it may concern : In  XXXX   2016    I was engaged in trying to get a loan modification with  Select Portfolio Servicing a nd they denied me and gave me the run around. They denied and would n't approve me for a loan modification. I .hired a real estate agent and they started to market the house for me so that I would n't lose it to foreclosure. We placed it on the market with a real estate agent so that I would n't lose the equity to foreclosure. I currently have a bonefide offer on the property, with proof of funds from a qualified buyer. I have included with this, proof of funds, settlement statements, real estate purchase contract with addendum 's. Every time we have called and tried to get a postponement and sell the house they tell us they wo n't postpone the trustee sale. I 'm paying the loan off in full and they are not allowing me to sell the property and get my equity. I feel they have been very deceitful, dishonest, and misleading me for the past 6 months. Please help me postpone the trustee sale so that I can sell the house and pay off all lien holders in full.
Product: Credit reporting or other personal consumer reports

I have discovered fraudulent hard inquiries on my credit report, XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain items from my credit report. As a victim of a recent data breach, I have experienced identity theft, and unauthorized accounts have been reported under my name. Under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these fraudulent items removed from my report. 
Below are the details of the unauthorized accounts that need to be removed : XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$620.00} XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$610.00} XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1100.00} Additionally, I request that the following inquiry be removed from my report as it is also related to the identity theft incident : XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I enrolled in a " Save plan '' and received a communication from MOHELA that my loan has been placed on forbearance due to the ongoing court case regarding the " Save plan. '' It was also stated that no interest will accrue while on forbearance as the litigation is still on. However, I have been receiving an alert from XXXX that my loan balance has increased. I saw that it increased in XXXX and increased again in XXXX. I made every effort to contact MOHELA but all proved abortive. I called MOHELA customer services severally and was put on hold for over an hour but the phone went off. In XXXX I got someone on the phone who stated that their system wasn't working. Then, the representative collected my sensitive data and stated that she was going to call me back when they restored the system but didn't get any call back from her. MOHELA keeps reporting a high debt balance with the credit Bureau without any clarifications on how it gets there. This is so frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It  May  Concern ; I received notification through my   XXXX   XXXX   app that an account that was on my credit report was removed. This was on   XXXX   XXXX    2017 w ith the Equifax credit bureau. I waited a few days, called the bureau to request a free, detailed credit report. After reviewing the report, I noticed that the account in question (  XXXX   XXXX   XXXX   XXXX  ) remained on my credit report. I know   XXXX   XXXX    works very closely with the bureaus and they would not send me false information and or updates, as their information comes directly from the bureaus. I am submitting this complaint due to the lack of compliance from Equifax. This is an unfair practice by a credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute letters to XXXX, Equifax, and XXXX and have yet to hear back about the unverified Items on my report. The letters were sent out on XX/XX/2020, and XX/XX/2020, it's now been 30 days, and the Items remain on my report, and inquiries that have no account on my account also was asked to be removed but still report.
Product: Credit reporting or other personal consumer reports

In submitting this complaint, it is my intention to follow up on an issue related to my being a victim of fraudulent activity. After visiting the Federal Trade Commission website at https : //www.ftc.gov, I filed a complaint, as required by FCRA Section 605B , under reference # XXXX, which mandates that Credit Reporting Agencies must remove any items listed in an FTC complaint. Attached are documents aimed at facilitating the removal of erroneous information and inquiries from my credit reports. The following is a list of items opened without my authorization : -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- EQUIFAX : 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. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items identified by the consumer as resulting from fraudulent activity within 4 business days of receipt of such notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had originally reported this problem CFPB # XXXX. XXXX XXXX decided to report their charge as a charge off instead of removing the charge, which has negatively impacted my credit report and cause some credit card companies to reduce my line of credit due.
Product: Mortgage

Hello I currently have a mortgage with U.S. Bank Home Mortgage. In XX/XX/XXXX my wife and I decided to do short sale on our property so we hired an attorney to handle the process. While we were going through the process my wife became very ill and was diagnosed with a life threatening illness, so bad that we did n't think she was gon na make it out of the hospital. Not knowing what the outcome was gon na be I asked our lawyer to look into a mortgage modification. U.S. Bank agreed and we began that process i submitted all documents and verifications that they asked for. I got started on the trial period payments, made 2 and the third was n't accepted. After some communications with U.S. Bank I did n't like the way my lawyer had been dealing with them so I decided that it would be better served handling it myself. So I began the process all over again on my own, submitting all documents and verifications myself and waiting and waiting. So ever since I started the process myself its been very limited communications. When I would call I would be told that it was still under consideration and I would hear something soon. Finally XX/XX/XXXX I get something from them and its a notice of intent to foreclose. I contacted XXXX and they began working my case in XX/XX/XXXX of last year. Every time I 've spoken with U.S. Bank since then I 'm being told that they have n't recieved anything from XXXX even though I 've sent all of the documents and XXXX has the same contact information that i have. I 'm not asking them to lower my payments, my wife and I went through a terrible medical ordeal that we are still dealing with, but now that she 's better we only want to move the back payments to the end of the loan and get started fresh.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I was discriminated against, as this company BBVA denied my credit card request based on false information.

1. BBVA ran my credit score it was = XXXX XXXX. BBVA said I had serious delinquency ... wrong, as I have one " old '' late payment 3. BBVA said I had too many inquiries ... wrong, as I have two " hard '' inquiries.

4. BBVA said, my bank card balances are too high ... the report showed 17 % use Note : I have 5 credit card accounts, all have an exceptional payment history 6th account is a car loan, XXXX of the way paid, never missed a payment 5. It looks like this Alabama based credit card company don't want to grant credit to an educated XXXX man. 

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

I am writing to express my continued frustration regarding the unresolved discrepancies and unverified negative items on my credit report. Despite multiple attempts to dispute these items since XXXX XXXX XXXX, I have received no satisfactory resolution from your agency.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.