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

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following accounts. These companies, XXXX, XXXX and TRANSUNION have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 
Also inclouded will be inquiries that I have no connection with and not doing any business. These inquiries are causing negative effects to my credit profile and I wish to also have them removed. 
I am including photos of my identification so that any incorrect information including wrong addresses and incorrect names. 
Closed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laws connected : Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ).

604 ( 15 U.S.C. 1681b ).

604 ( a ) ( 3 ) ( D ) ( 15 U.S.C. 1681b ( a ) ( 3 ) ( D ) ) ;
Product: Vehicle loan or lease

Had a car loan with Westlake financial for a XXXX XXXXXXXX XXXX. The vehicle was totaled, and i had the vehicle insured. Westlake took back possession of the totaled vehicle and the vehicle shoyld not show derogatory on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX : {$240.00}.
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX XXXX XXXX Dear CFPB Team, I am writing to formally dispute the accuracy of information being reported on my credit report by XXXX XXXX XXXX, specifically as it pertains to TransUnion. I have noticed discrepancies indicating two different balances for the same alleged debt : one reported as {$810.00} and the other as {$820.00}. This inconsistency is not only confusing but also raises serious concerns about the accuracy of the information being reported. 

According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681, credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy '' of the information they report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are mandated to provide accurate and truthful information regarding debts. The presence of two different balances for the same account suggests a violation of these statutes, which could significantly harm my credit rating. 

Moreover, I would like to bring to your attention that this account has been removed from both my XXXX and XXXX credit reports. This raises questions about the validity of the reported debt by XXXX XXXX XXXX. Furthermore, XXXX XXXX XXXX has not sent me the required disclosures that would allow me to dispute the alleged debt properly, as mandated by the FDCPA. 

I also wish to highlight the recent data breach affecting TransUnion, which has severely compromised consumer data and led to a paid settlement for the victims of this breach. This situation emphasizes the importance of accurate reporting and the need for credit reporting agencies to be more vigilant concerning the data they collect and report. 

In light of this situation, I formally request the following : A re-investigation of my credit report concerning the discrepancies in the reported balances by XXXX XXXX XXXX. 

A copy of the assignment contract that verifies XXXX XXXX XXXX 's ownership of the alleged debt. 

Confirmation that the proper disclosures were sent to me under the FDCPA, allowing me to effectively dispute the alleged debt. 

I appreciate your immediate attention to this matter and look forward to a swift resolution that complies with federal law. Your efforts in ensuring consumer protection are vital, and I trust that you will handle this dispute with the urgency it requires. 

Thank you for your assistance.
Product: Debt collection

CFSI has reported two accounts to the credit bureaus as collections. 1 account is for {$340.00} and the other is for {$380.00}. Neither one of these belong to me and I was never contacted to dispute these accounts, they just appeared on my credit report. I have been a victim of identity theft and I believe that these accounts may stem from that. These account are not mine and do not belong to me.
Product: Debt collection

I received Financial assistance from the hospital for all my hospital bills. I do not owe anything and have directly contacted the hospital to make sure. I keep getting phone calls from this third part and i do not owe a dime.
Product: Mortgage

My mortgage has been transferred from XXXX XXXX to BSI Financial Services in XX/XX/XXXX. My escrow account has been transferred to BSI Financial Services and I have made XXXX mortgage payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all of which included escrow payments. 

BSI Financial Services have not paid my County taxes out of my escrow account which were due XX/XX/XXXX. The taxes are now over 1 month delinquent and have accrued both late penalties and late interest fees. 

I called BSI Financlal Services on XXXX XXXX to confirm they had my escrow account and taxes/insurance information from my mortgage transfer and they responded they did not have that information and have created a request for their escrow department to expedite my request to get the escrow account squared away. I've followed up with two additional phone calls, roughly on XX/XX/XXXX and XX/XX/XXXX to have my taxes paid. 

I've submitted two email requests to expedite the process, the latest email sent on XX/XX/XXXX with a note I would be consulting a lawyer if my taxes were not paid. I've reached out to XXXXy county tax office and they have also sent an email to BSI Financial Services along with a copy of the delinquent taxes they have failed to pay out of my escrow account. 

I have contact BSI a total of 6 times - 3 phone calls, 2 emails submitted from XXXX XXXX XXXX/, and 1 email submitted XXXX, from my county tax department on my behalf. 

The current amounts BSI Financial owes my county tax office : 1st half XXXX taxes : XXXX Penalties due to late/non payment : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, according to Equifax, the balance on my account is showing it has only been current for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) and the balance shows as {$7600.00}. I have made payments on my account long before XX/XX/XXXX and as of present day of XX/XX/XXXX, I am 100 % current on my account. There is a great deal of reporting missing from the report. The current balance shown is incorrect. The report shows my last payment was XX/XX/XXXX. The account is showing on Equifax as being open since XX/XX/XXXX however the only reporting on the account according to Equifax has been XX/XX/XXXX and XX/XX/XXXX. This misinformation has greatly effected my credit score and ability to move forward in purchasing a home. This has caused a great deal of damage in my personal life.
Product: Debt collection

Call from naivent loan servicer at XXXX XXXX  from the following phone number of XXXX. It is against the law to call after XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   2017 ,  Checkr reported to  XXXX  about my background check. This included  XXXX  violations which was dismissed by a Judge last  year in  XXXX  NC. I sent emails to Checkr and  XXXX  explaining the incomplete report but in vain. NC state uses point system to convict offenders and I have  XXXX  points on my driver license. Please help to fix this confusion because I 'm a  XXXX   XXXX  and driving  XXXX  helps to support my family financial needs. Thanks
Product: Debt collection

On XX/XX/2021 I sent a letter to JEFFERSON CAPITAL SYSTEMS. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX and consumer reporting agencies, I hope this message finds you well. 

I recently discovered an error in my recent dispute filings regarding inquiries from XXXXXXXX XXXX XXXX. While I'm actively addressing fraudulent inquiries on my report, I want to clarify that my XXXX XXXX inquiries are accurate and valid. XXXX XXXXXXXX Account XXXX XXXX Upon reviewing the copies of my submissions, I realize this was an unintended mistake on my part. I do not want to close my credit card and want to continue making on time payments. If you have any questions please call me at XXXX. I attached a copy of a utility bill and bank statement as proof of address. I have been doing great business with XXXX XXXX and would like to continue to do so. 

Thank you for your attention to this matter. 

Warm regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit boost improperly used information without my written consent. As a result, it has affected my ability to acquire housing. " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under XXXX XXXX XXXX section XXXX states I have the right to privacy. According to XXXX XXXX XXXX section XXXX Section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions. Under XXXX XXXX XXXX XX/XX/XXXXa creditor XXXX 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 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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original XXXX XXXX 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, CA XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed {$2000.00} - Charge off XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} - Charge off XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX : $ XXXX Charge off XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Collection
Product: Vehicle loan or lease

Santander repossessed my car and I paid all due balance and the penalties they never retracted as promised. The car was damaged as the transmission blew apart before I even got it home. My mechanic determined it was towed in gear when repossessed. A new transmission is {$6000.00}. I continued to pay my payments even though the car sits in my driveway unusable as I pay {$450.00} per week for alternative rides to work. Finally as of a few months ago, the expense for rides has taking its toll, and I can no longer afford to pay my monthly payment and now Santander wants to repossess my car yet again, without any indication on what their liability would be or their companies liability would be from when they damaged it we possessing it the first time.however, they still expect their payments somehow and threaten to repossess it again, which would absorb all the investment I have in this car and ruin my credit even more. They refused to offer any solution at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the Fair Credit reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX % 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 : It also states a consumer reporting agency can not furnish without my written 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency make any consumer report containing any 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting Equifax on XX/XX/2019, I was told that I do not have a credit file with their company. They told me to mail them a copy of my drivers license and my social security which I faxed to them the same day. XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that they still did not have my credit on file, however when checking with other credit companies my file is intact.
Product: Mortgage

Last week XXXX, XXXX 2020 I had contacted our present mortgage company to ask for a mortgage statement and mortgage note, due to some unforeseeable circumstances our online privileges were revoked, which by the way is a huge inconvenience. I made them aware of the urgency of my request and after pleading with them they agreed to send me both documents, 5 days later i received a mortgage statement, missing was the mortgage note. I called to resolve the situation and this is where things went very badly. After being passed around I finally was able to speak to someone who agreed to fax the missing document, to my surprise, they faxed someone else mortgage note to our new lender who called me right away, I called my mortgage company back and one again I was transferred to several departments, I spoke with 2 managers who informed me that they had misplaced my file, in addition, they were very unaccommodating, I made them aware I was going to contact CFPB, this did nothing to help me, I pleaded with them to get me my mortgage note due to time constraints, that made no difference to them. on a last effort I asked to speak to another manager, there response was to email them and they would work on it, this is not unacceptable, I do not understand how they could mail me my mortgage statement but tell me they lost my file. I am in desperate need of your help,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon trying to finance a vehicle XXXX XXXX  denied me and my wife a loan. They sited information from XXXX, XXXX, and SageStream. The key factors where Serious delinquency, and public record or collection filed. Time since delinquency is too recent or unknown, To many accounts recently opened. Too many inquiries last 12 months. The fair credit act states that the information on any credit report has to be 100 percent verifiable and I take issue with erroneous information on my credit report. This bank has engaged in redlining and that is a federal crime.
Product: Debt collection

I filed a dispute on XXXX XXXX. I have no idea who Jefferson capital is. I asked them to send out validation letter along with name of original owner of account and to include title change showing they are taking over the debt that I know nothing about bc I have no idea who original owner is. I think it was disputed through XXXX which they Jefferson capital did not send or show no proof of the information I asked for and within five days I received a message saying it will remain. I believe those actions are inappropriate by XXXX or XXXX as well for not making them show or send me proof. They also have date of XXXX as open account I did not open any new accounts in the past four years
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT.

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX & XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT AMERIFINANCIAL SOLUTIONS Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX XXXX XXXX Date Filed XX/XX/2017 Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

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

American Honda Finance is NOT reporting the correct dates, balances or statuses of this account correctly.