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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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 a account without my written instructions 15 U.S.C 166b Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Checking or savings account

in XXXX I requests the Capital One Bank asks them what is the money in my account come from, and then they say investigation also they Block my Bank Card and Credit Card but it that fine, I complaining the reasons about Ive XXXX direct deposited from my paychecks in the bank on holding, when I asks my Statements how much Balances Ive and theyre refused me on the phone calling and said it was investigating we cant say nothing, after that they mailing my statement in XXXX, next when they mailed the first check for me I go to the XXXX XXXX XXXX  California to break my Check to verification, they said nothing to do to verifying my check, finally Ive a little anger to speak with them and then they transfer to another Department to verify my check, today I give them a calling about my Employer investigation about my XXXX XXXX XXXX and XXXX XXXX XXXX I call the bank to give me a confirmations about send me an Email or Letter and theyre refused my requested and say they did before and no guarantee to give me the copy and leave for messages to another department about my requests, From XXXX until today I still 3 paychecks in the Bank and theyre not mailing to me yet, So today Ive a complaining with my messages reporting to the right Department. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX/XXXX  Account is still showing as OPEN on Equifax ONLY. I've opened 3 disputes in the last 2-3 years to have this corrected as this account was closed TWO years ago. I'm now in the home loan process & this error is preventing my family from having a place to live. XXXX/XXXX  has sent multiple letters and updates to Equifax however, it's been two years and they still haven't updated it. I have now opened yet another dispute yesterday but we don't have time to wait another 2 years.Can you please update or delete? Our family is counting on you during these already unprecedented times. It's been 2+ years - can someone please help. I've called so many times to no assistance. See attached!
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft Dear [ Sir/Madam ], I am writing to inform you that I am a victim of identity theft. The information listed below, appearing on my credit report, is not related to any transactions I have made and is a result of identity theft. 

Account Name : XXXXXXXX XXXX  Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please block this fraudulent information from my credit report pursuant to section 605B of  the Fair Credit Reporting Act ( FCRA ) and send the necessary notifications to all furnishers of this information.
Product: Debt collection

This is my second time putting together an investigation about this situation I am having with a collection company. I have decided to write a Original Creditors Dispute to whom NCC Business Services has claimed they are collecting for. My situation is that I stayed in the XXXX and I moved out in XXXX/XXXX/XXXX. The Apartment Complex was brought out in XXXX/XXXX/XXXX. I in turn sent the old apartment complex owners XXXX XXXX XXXX. So, that either one the old owner are new owners to see who has hired NCC Business Services to collect on a past due debt. No, one has taken the time out to contact me on behalf of the debt after I have sent both Apartment Complexes a certified letter asking them to give me the information on whom owns the right to collect on this debt. I sent my XXXX letters XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX XXXX. No, one has responded back with whom has the right to collect on this debt and whom hired NCC Business Services to collect on this debt. It has been over 30 days since my letter went out. I need to know what is really going on wit this debt. Because NCC Business Services really do n't have the right to collect on this debt unless it is proven by either XXXX XXXX XXXX or XXXX. I am going to provide the letters I sent out to both the Apartment complexes with the certified letter information. And recording as well to listen to on what is being talked about.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/year>, I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed unless properly verified per federal law : XXXX. XXXX Account # XXXX ( Collection/Charge-Off ) XXXX. XXXX XXXX Account # XXXX ( Collection/Charge-Off ) XXXX. XXXX XXXX Account # XXXX ( collection ) XXXX. XXXXXXXX XXXX XXXXXXXX # XXXX ( Collection/Charge-Off ) Dispute Basis & Legal Violations XXXX. Violation of 15 USC 1681i ( a ) ( 1 ) 30-Day Response Requirement Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts. 2. Violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was verified without proof is a violation of my rights under the FCRA. 3. Violation of 15 USC 1681i ( a ) ( 5 ) ( B ) Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within fiv
e business days of reinsertion, per FCRA guidelines. If XXXX can not comply, the accounts must be permanently deleted. 

Request for Immediate Resolution If XXXX can not substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting or other personal consumer reports

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. 

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  and list of Inquiries. 

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I've repeatedly contacted IC Systems ( ICS ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX to ask that they remove an account previously with XXXX XXXX for Cable and internet services in the amount {$130.00}. 

The company has been report this account as in a collection status since XX/XX/2020. The account in fact was over-paid closed. XXXX actually issues a {$250.00} credit for the overpayment. 

I reached out to IC Systems several times starting in XX/XX/2020 to ask that they contact XXXX XXXX to confirm the status of the account and I was told that they would not contact XXXX XXXX  to confirm the account. 

I also provided a copy of my receipt of the final payment made in XX/XX/2020 along with a letter asking that IC Systems delete to account. At the time I was just retiring from the military and trying to complete the purchase of a home. 

Due to the erroneous debt my credit score dropped over XXXX points over the course of 6mos and forthmore impacting my ability to secure a mortgage. 

I'm currently consulting an attorney to possibly file a lawsuit for damage as result of IC System 's erroneous reporting of this account. 

I'm also considering pursuing a class action suit again the company for it's practice. 

Please help.. 

Respectfully,
Product: Credit reporting or other personal consumer reports

There is personal information such as employment history, and inquiries that are all inaccurate on my report. I sent over countless letters and made complaints in regards to this matter. Information that is listed below is deemed inaccurate : Employer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never worked for this company and need information removed. 

Account Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for any lines of credit.

According to federal law all accounts that are not 100 % accurate should not be reporting on a consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan XXXX never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, XX/XX/2021.
Product: Credit card

I have recently received repeat calls from XXXX regarding an account. I have never did had or requested an account with XXXX. I refused to give the caller any of my information. I then started to receive calls from Florida. Today I received a catalog for camera and photo supply at my home today, so i decided to run my XXXX credit report. I use the XXXX free report. I noticed there appeared to be an attempt to get a JC Penny card closed XXXX years ago reported as stolen last month. I have not had any business with the credit department of JC Penny so many years I can not remember. I believe sone XXXX is attempting to steal my identity.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXX/XX/XXXX XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -Bankruptcy XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$0.00} -Bankruptcy XX/XX/XXXXXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -Bankruptcy XX/XX/XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy
Product: Credit reporting or other personal consumer reports

Dispute Regarding Unauthorized Furnishing or Obtaining of Credit Information ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute the inclusion of my personal credit information in your records and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the responsibilities of consumer reporting agencies and entities furnishing or obtaining credit information. I have reason to believe that my credit information has been furnished or obtained by your agency without my written consent, which is a violation of the requirements under the FCRA. As per 15 U.S.C. 1681b, consumer reporting agencies and third parties must have a permissible purpose to access or report a consumer 's credit information, and they must obtain written consent from the consumer when required. I have not authorized or given written consent to any party to furnish or obtain my credit information through your agency. I request that you immediately investigate this matter, remove any and all unauthorized entries or inquiries from my credit report, and provide me with written confirmation that my rights under 15 U.S.C. 1681 have not been violated. If you find that any entries or inquiries were made in error, or without my authorization, I request that they be permanently removed from my credit file. Additionally, I request that you provide me with a copy of any information, records, or documentation that was used to make the determination that my credit information could be furnished or obtained without my consent. If you are unable to provide this, I demand that the entries be removed in accordance with the law. Please send me a written response within 30 days of receiving this letter, confirming that your investigation is complete and detailing the steps you have taken to correct any errors or violations. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

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 : XXXX XXXX XXXX XXXX | Account Reference # : XXXX | Account Name : XXXX XXXX XXXX XXXX XXXX | Account Reference # : XXXX | ( This account is paid in full ) has violated my rights. 

15. U.S.C 1681 section 602 A. States I have the Right To Privacy 15. U.S.C 1681 section 604 A Section 2 : A consumer reporting agency can not a account with out my written instructions 15. U.S.C 1681c. ( a ) ( 5 ) Section Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse Items 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

If it were possible to give ZERO stars I would. Ally is the worst place to have a auto loan with. They are unreliable, untrustworthy, and have zero communication. First- Ally canceled my automatic payments on my car and then told my lawyer that my car was paid off. Which I knew was not the case. Anyways after that got resolved they said we owed late fees ( which is crazy since we couldn't get into the account because of something they did without our permission on their end ). So the car loan re-appeared. Which is fine because we still owned on it. For those 4 months that the account " disappeared '' they said we owed them late fees. Either way. The car is NOW paid off and has been since XX/XX/2019. They refuse to give us the title to my car because they are trying to charge us those late fees still even though the account has been closed out so we can even see what late fees that are referring too since it was them that made our account disappear for that period of time. We have been trying to contact them literally 100 times since XX/XX/2019. We have been transferred to all kinds of " Management '' if you want to call them that, with no response. They refuse to do anything to solve the problem. To make matters worse. They have a man named XXXX XXXX call every morning threatening us about the late fees. That we shouldn't even owe. Then XXXX XXXX hangs up on you every time you ask to speak with a manager. Now the so called managers name XXXX XXXX and XXXX XXXX refuse to call back or take any calls to resolve this matter. Also after looking over the contact that they send us it shows that they are in breach of contract due to the fact that they did not follow their own rules that states late payments would be added as more to your bill at every month or that the final amount would be taken out as a lower amount at the end of your lease. Which did happen, we made the final lesser payment which means it should be paid off. ( I have attached a picture below ). Now that the car is paid off, we have no access to the account and have to go off of the XXXX that they are saying. Again we have been dealing with this for almost a year now. This company is a joke! I wouldn't recommend to my worst enemy. I would rather pay more money and go with a good company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX08-30 15 U.S.C 1681 section 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 a account without my written instruction 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Regions and their overdraft fees have been beyond ridiculous. They have been doing it for years. There has been several times we have wondered why they have been taking so much. Its out of hand. I did read where regions was getting sued for this. We had one account, then closed it and opened another account with them. So far no fees with the new account, but our other account it was continuous.
Product: Credit reporting, credit repair services, or other personal consumer reports

account number:XXXX  according to the XXXX XXXX XXXX account number XXXX has violated my rights, 15U.S.C 1681 section 602 A.States i have a right to privacy.

15 U.S.C 1681 604 A section 2 cosumer agency can not furnish account without my written instructions.