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

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to XXXX XXXX XXXX to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great XXXX and if this is not fixed asap, I will be suing ALL.
Product: Debt collection

Ability Recovery Services Collection agency removed a debt from credit report in XXXX for creditor XXXX College. Received an alert on my credit report that this agency added this debt back on my report on XX/XX/XXXX with no written notice. I contacted the company the same day to ask to speak to a manager to ask about the validation of a debt with no written notice. I was spoken to rudely and was told I can not speak to anyone else. This file is currently listed under investigation with the credit bureau. Ive still yet to receive written notice to validate this debt to be placed on my credit report
Product: Mortgage

JUST RE-SEND THE CHICAGO TITLE POLICY I PAID FOR WHEN I BOUGHT THE HOUSE IN 1999 VIA THE CFPB WEBSITE. Chicago has marked my request as duplicate without sending the requested title policy via the CFPB website. This complaint is unanswered!! If I need to re-open a new complaint I will in order to get a copy of the title policy I bought with the house in 1999.
Product: Mortgage

BSI keeps responding skating around direct answers and still this to date not answering XXXX direct question. I am also now going to FTC.
Product: Credit card or prepaid card

I was a victim of FRAUD on my Wells Fargo credit card. Someone got a hold of my card and used it without my permission on XXXX. I reported the fraud to the police and contact Wells Fargo right away to report the fraud as well. Wells Fargo temporary credited me back for the fraud purchases then reversed the credit saying to me by letter the charges are from a company I do business with. Its XXXX of course I have done business in the past on that same account but this was not me and it was fraud. I did everything I should even filing a police report but Wells Fargo is not helping me. Under the law I thought I was protected from fraud charges but Wells Fargo does not seem to care for their customers.
Product: Credit card or prepaid card

My Bank of America card was charged by AAA without my knowledge, and I did not get any bills from ( BOA ). No phones, no email, no message. Finally, I get bill from BOA and up on calling them I land up paying for no fault of mine. The BOA Person assured me that my account is clear and a " XXXX '' balance. I told them to cancel all my cards with their fraudulent bank. the chapter was closed. 
Now I am getting bills from BOA with a late fees and accrued interest charges. 
The account was closed with a " XXXX '' balance. They took away my {$1500.00} ( XXXX XXXX XXXX XXXX Dollars ) Cash Back Bonus. CHEAT, FRAUDS. 
I just want to inform that this is the type of fraudulent practice BOA is running ( SCAM ). 
They have XXXX ( LOBBYIST ) Who are supported by Senators and Congressmen. 
We consumers have to suffer. WHAT A SHAME. I REFUSE TO PAY THIS AMOUNT THEY ARE DEMANDING SINCE IT IS NO FAULT OF MINE AND THEY CLEARED ME OUT. 
If no one can look into this then what I presume is that our US Government is no less than government of other countries ( XXXX, XXXX, XXXX, XXXX ) where bribery is open. 
Here too. Senators and congressmen are wooed to and the attitude is who cares about consumers. WHAT A SHAME.
Product: Debt collection

I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.

Copies of any signed agreements or contracts establishing my liability for this debt.

6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt.

Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX around XXXX. I notice a payment of {$6000.00} was drafted out of my bank account from PayPal. I tried to log into my PayPal account to see where these charge are for however I wasn't about to log into my PayPal account due to it being hacked. The next XXXX XX/XX/XXXX I called PayPal to find out what is going on with my account. My account was hacked and a PayPal Credit card was open in my name with out my consent.

According to the 15 U.S.Code 1681 law there should not be any damaging on my report. this is negative to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00}
Product: Money transfers

I made an international wire with my bank Suntrust to a beneficiary with a bank call XXXX and the funds have not arrived. The wire was sent on XX/XX/XXXX and as of XX/XX/XXXX the funds have not been credited. I have done various TRACES through the banking system but as of yet nothing has happened.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified credit inquiries from XXXX XXXX XXXX dated XX/XX/year> and XXXX  XXXX dated XX/XX/year>, that I did not authorize. I am disputing these inquiries and kindly requesting their removal from my credit report to ensure its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of XXXX XXXX XXXX XXXX. Ive submitted a claim # XXXX. 
Equifax has been dragging this out since XX/XX/XXXX. I am seeking a monetary recourse for my pain and suffering and unlimited amounts of denials because of this breach.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possibl
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the remove of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, 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 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 XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have reported it to the police and XXXX. I can not get in to capitol one or the other 2 credit reporting agencies as of yet. My credit has addresses, names, a job, a spouse and post office boxes that do not belong to me. Please stop anything you can as I personally have nothing at all in the way of cards or assets. Please contact me through email. I appreciate your time. 
XXXX XXXX XXXX XXXX XXXX )
Product: Checking or savings account

This is a complaint that Bank of America had errors about posting transactions and errors debit and take money from the depositor put in the account for wrong transactions and posting. This is regarding the account XXXX the bank had used fake claims to take the innocent money in the bank account. There were XXXX fake claims on this account caused it to no more money for balance and the bank claim dept did not respond to the need of tbe owner of the account but respond to the fake claims cause the owner lost money that keep in the account. The money can be lost and go to a thief. This is a big error need return money to the account owner
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed that this accounts is fraudulent I file a FTC identity report I file a police report also I reach out to the creditor got no response with the information here, such as an account opening was made without a permissible purpose. As a result, this information is inaccurate and should be removed & deleted from my credit report asa
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account. 

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file.

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete. 

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute. 

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

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

This is my Second 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 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX, XXXX XXXX Balance : {$0.00}, US DEPT ED XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$170.00}, XXXX XXXX Balance : {$490.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$310.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate complaint. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act *XXXX XXXX XXXX  account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 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. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the XXXX, FCRA, XXXX, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( XXXX ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be XXXX of verifiable conformity to the XXXX XXXX Data Field Formatted Reporting Standards, as per XXXX guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within XXXX business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged 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
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

JD Byrider/CNAC willfully misleads the consumer by having them sign for two loans, one is a clandestine deferred payment loan thats never disclosed. This is done so that customers, like me, who would not qualify for high financing, now qualify and JD Byrider/CNAC can sell their older high mileage cars. People who have no idea what a deferred down payment is or that JD Byrider/CNAC is pulling a fast one with the mysterious fees that they say have to be paid before the customer even begins to pay the actual loan. The customer, me, in turn, just as with the housing industry several years ago, inevitably eventually defaults on the loan and the vehicle gets repossessed or they do a voluntary repossession like I did. JD Byrider/CNAC then resells the vehicle, but also still collects the balance on the repossessed vehicles and the cycle continues with another unsuspecting customer. 
My contract page shows that I, the customer, made a larger down payment than I actually made but this is something an untrained eye does not notice, especially when presented with lots of numbers that make no sense. I put down {$12.00} for the vehicle but it shows that I put down {$1000.00} cash which is false. I also affirm that there was Never any mention of a deferred down payment or of this second loan for {$1000.00}, that I was forced to repay bi-weekly for two months at a rate of {$250.00} per paycheck before my payments even began. When I asked what the {$250.00} payments were for I was told Fees and when I asked why they couldnt be included in the principal I was told that they have to be paid first. On my documents that I have been reviewing, it is stated to label the loan for the deferred down payments as a promissory note and only to refer to it as such. This is deceptive practices and illegal and this should nullify my contract which was entered into under false pretenses. Nowhere in my buyers statement of understanding does it mention the deferred down payment or the pretense under which I evidently signed for it. 
I now understand how that unfair, deceptive and fraudulent business practices led to my losing my vehicle and the constant stress of being unable to pay a bill I couldnt afford. It is my contention that JD Byrider/CNAC willfully and intentionally sets their customers up to default on loans so they can continue to resell old, over mileage vehicles and these illegal business practices must stop. Please stop these criminals!