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

I recently received a copy of my XXXX, ,Equifax credit report, and I noticed some late payments, Chargeoff posted on my credit report : XXXXXXXX XXXX # XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Correction of Personal Information on Record Dear Sir/Madam, I am writing to request an urgent correction of my personal information that has been inaccurately recorded and possibly disseminated. It has come to my attention that there are multiple errors in records associated with my name and address, which I wish to rectify immediately to prevent any potential issues related to identity theft or financial inaccuracies. 
The correct information should be as follows : * Name : XXXX XXXX XXXX * Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX * Employment : XXXX XXXX XXXX However, the following incorrect information has been associated with my identity : * Alternate Names : XXXX XXXX, XXXX XXXX XXXX XXXX * Incorrect Addresses : * XXXXXXXX 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 The presence of this incorrect information is deeply concerning to me, and I am anxious to ensure that my records are accurate. I respectfully request the CFPB to take the following actions : * Investigate the origins of these errors. 
* Update my records to accurately reflect the correct information provided above. 
* Confirm with me in writing once these updates have been made. 
* Advise me on measures I can take to protect my personal information and prevent such errors in the future. 
I trust that the CFPB will address this issue with the urgency and seriousness it requires. Please contact me if you need any additional information or clarification regarding this matter. I look forward to a prompt resolution. 
Thank you for your attention to this important matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies, but a request for VALIDATION made pursuant Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS. PLEASE REMOVE FROM MY CREDIT REPORT. THANK YOU
Product: Debt collection

ON XX/XX/year>, I SENT PORTFOLIO RECOVERY ASSOCIATES , LLC A CERTIFIED MAIL LETTER WITH RETURN RECEIPT, STATING TO LIFT THE CEASE AND DESIST, FOR THE PURPOSE OF COMMUNICATION FOR CLARITY ON THE ALLEGED DEBT AND I HAVE YET TO RECEIVE THE RETURN RECEIPT BY MAIL. BUT YET, THEY ARE STILL RESPONDING TO ME THROUGH THE CFPB PORTAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

the car was paid off, an i had XXXX insurance with this car an the XXXX insurance didnt pay when the car was totaled
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously XXXX XX/XX/2021 XXXX, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation placed on my PayPal account . I believe this limitation was placed in error and I have not violated any PayPal policies.

I am a law-abiding citizen and have always conducted myself in a professional and honest manner in all of my business dealings. I am confident that I have not violated any of PayPal 's policies and I urge you to re-investigate my case.

I kindly request that you review my account and take into consideration any and all evidence I can provide to support my position. I would be grateful for any assistance that you can provide in this matter.

I sincerely believe that my account should be reinstated as soon as possible, and I respectfully ask that you consider my request. I am available to answer any questions or provide any additional information that may be required to resolve this matter.

Lastly, the email address on my PayPal account is XXXX. I appreciate your time and attention to this matter and look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

We have a loan for our kitchen remodel through XXXX XXXX. Since XXXX of XXXX, we had been locked into the auto-pay system. In XXXX of XXXX, their system did not take our payments and we were not properly notified. My wife ( XXXX XXXX ) called in XXXX of XXXX after noticing the payment was not taken out that month. From what i remember, they told her there was an issue with their system and they needed a new payment method. No fault on our end. When asked if they could help take back the negative strikes on our credit, they said there was nothing they could do. Our credit scores dropped about 50 points after this event.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am reaching out to express my dissatisfaction regarding certain hard inquiries that persist on my credit report, as outlined in your recent correspondence. While I understand that the involved creditor has their own internal fraud processes, it remains troubling that Equifax permitted these inquiries without securing my explicit consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to the FDCP Act, section 809, the Collection agency should notify the consumer about the debt for validation. I never receive any notice about any debt and the action the Collection would take.

So I still request to remove the Collection account from XXXX and XXXX   because I was never communicated about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there is currently a {$3800.00} charged off XXXX XXXX account ( XXXX ) being reported to my Experian that I did not create. In my most recent dispute, I requested Experian block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. To this date, the only generic response I received is that the account has been " verified '' again and will not be deleted. This is a serious issue for me but it is not being addressed properly by Experian. I filed a police report with my local XXXX XXXX XXXX Police Department as I now intend to bring the authorities into this. I am attaching a copy of my identity theft report along with my complaint and I have also mailed this to Experian. I am filing this complaint because Experian is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Experian is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am attaching a section of a recent credit report which shows how this account is only being reported to my credit by Experian. XXXX and XXXX do not have this on my report. This is another factor that Experian is not taking into consideration. XXXX and XXXX  deleted all records of this account because it was opened as a result of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15USC1680 1 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit ( Credit Bureau ) permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. 
Please remove the inquiries from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters to Equifax about a furnisher /public record named XXXX XXXX XXXXXXXX CT XXXX XXXX they are reporting on my credit report. Equifax claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX CT XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor XXXX XXXX ( who by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with XXXX XXXX has been locked from access how is Equifax able to verify this? I 'm very dumbfounded. 
If Equifax is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? 

Nonetheless, I made my own request directly to XXXX XXXX XXXX CT XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is Equifax and XXXX XXXX able to verify so quickly with the court and mark it as " verified '' and close my dispute? With Equifax 's response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? 

Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to Equifax and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from XXXX XXXX or the furnisher. 
Again, each dispute I 've sent to Equifax, answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have Equifax correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with XXXX XXXX XXXX the XXXX XXXX XXXX  CT XXXX XXXX. 

I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX XXXX, they may be liable for their willful non-compliance.
Product: Checking or savings account

My wife and I both have XXXX accounts with Old National Bank. The funds have been invested in various mutual funds for several years. Earlier this month ( XXXX ) we became aware that Old National Bank is in the process of selling its XXXX business to XXXX XXXX XXXX with an expected closing in the XXXX Quarter of this year. We have no concern with this sale/transfer of our accounts EXCEPT that if the transfer means automatic liquidation of our funds with a subsequent transfer of cash to XXXX we will likely involuntarily be forced to accept investment losses. This is not acceptable. We saved for years and want to control as much as we can when to liquidate our investment holdings. 

On XX/XX/XXXX I informed Old National Bank of our concern using the secure message option on their website. They assigned a ticket number XXXX to our case. Today I see that our request was simply ignored ; " This ticket has been closed '' took place XX/XX/XXXX without any response whatsoever. 

We have not been able to locate any information about this sale on Old National Banks ' website.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear Equifax : This is a brand new complaint - you need to remove these unauthorized hard credit inquiries that are damaging my credit. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : 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  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Please remove all the above inquiries from my credit report.

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card

Here 's a new XXXX : American Express refuses to talk to their customers on the telephone if the customer legally records the call. But of course they record all calls. This would make a good press release and should be made illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit score over 750..One account showed delinquent, it was not due to my fault and was for a small amount. Barclay Bank Miles and More credit card did this. I never received a yearly fee notice as I never used the account. It never arrived by email, mail or any alerts or any other way. Because of their error, my 3 bureau companies keep showing " serious delinquency ''. It was not serious and not due to my error or overlook. The result of such a small amount due to their reporting wrong had lowered my score almost 100 points and still has not recovered.!! .Please correct and remove from my accounts. I am NEVER late as my reports will show All 3 bureaus show '' EXCELLENT NEVER LATE " on all my accounts and for it to be ruined over a mistake not by me and for such a small amount is unacceptable.. Please contact me with any questions,,,,. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX XXXX {$9700.00} XX/XX/XXXX XXXX  XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$80000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$38000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX  XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX {$25000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$6200.00} XX/XX/XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$6200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX  XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$150.00} XX/XX/XXXX XXXX  XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX {$6800.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C , 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX my mortgage servicer, NewRez, responded to a CFPB complaint that I filed on XX/XX/XXXX ( Complaint IDr-XXXX ). 

In NewRez 's XX/XX/XXXX response to my XX/XX/XXXX they did not provide full or adequate information as to why my mortgage statement for payment due on XX/XX/XXXX showed a payment due amount of {$0.00}.

NewRez needs to respond to 1,2, 3,4,5,6, and 7 below. 

In NewRez 's XX/XX/XXXX response to my XX/XX/XXXX CFPC complaint they, state ..... 

On XX/XX/XXXX, a refund was issued to the trustee in the amount of {$1600.00}. However, in a deep review of the homeowners payment history one of these payments were mistakenly counted in our bankruptcy payment ledger.

1. What was exact dollar amount that was allegedly counted in the bankruptcy payment ledge?

NewRez states in their XX/XX/XXXX response to my XX/XX/XXXX CFPB Complaint It has been determined that this inadvertent error is the cause of the billing discrepancies which has caused the homeowner to continually receive billing statements reflecting the wrong amount due. This error has been corrected and as a courtesy Newrez has advanced the funds needed to correct this error. This correction has made the next contractual payment due the XX/XX/XXXX installment of {$940.00}. Enclosed for your clients reference is a copy of the XX/XX/XXXX billing statement 2. What is the exact dollar amount of the funds that were allegedly advanced?

3. How were the alleged advanced funds applied to my mortgage account?

4. Why was there no documentation provided showing how the alleged advanced funds were applied? NewRez needs to supply the documentation showing the exact dollar amount of the alleged funds and exactly how the alleged funds were applied to the account.

NewRez attached a XX/XX/XXXX, statement- 5. Why does the statement continue to show that I owe a {$0.00} dollar payment?

6. Why has NewRez not provided any documentation showing the alleged advancement of funds to our account?

7. NewRez needs to supply documentation showing the exact dollar amount of the alleged advancement of funds