23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from a debt collection agency, Credence Resource Management , LLC. Upon receipt of this letter, I contacted the company via email to verify the debt this was in regards to. I received a response that stated the creditor reviewed my concerns and the debt was valid. I responded again via email requesting for an outline of the charges to be reviewed. The attachment I was sent was for a customer that lives in a different state but has the same name as I do. I responded to inform the debt collector that there appears to be a mix up as I was sent the wrong consumers account. I am highly concerned after receiving another individuals full account statement and I offered to verify any identifying information necessary to the debt collection company to get this sorted out but the only response I received appears to have been auto generated and very generic not addressing the true issue at hand. I hope that the other consumer did not receive my personal information due to this mix up but Im honestly not sure how I could verify if that occurred or not. I appreciate any help provided to get this sorted out and hopefully prevent this from occurring to other consumers going forward.
Product: Mortgage

I bought a house for XXXX with benchmark mortgage. 
I wired benchmark, XXXX XXXX XXXX to be applied as a down-payment on the balance of the loan. 
I found out while selling my home due to my unusually high payoff that benchmark kept that money for themselves and never applied it to the balance as my down-payment as agreed upon. They stole my money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, did follow all the rules outlined in section 605B of the FCRA.

EXPERIAN has continued to break the law. They have not blocked information on my credit file with them even though I have given them all 4 parts part A contains. 1. Appropriate proof of my identity. 2. A copy of an identity theft report. 3. I identified all the information that resulted from the ID theft. 4. A statement I did not open the information or accounts or allow another to do so.

Experian gives the most ridiculous reasons to not obey the law and block the info I named in 4 business days or less.

I will include a screenshot of everything I sent them. Then Experian replies, and how they boldly lied to break the law. 
Experian allows the fraud companies to access my file and these fraud companies then change the original information to match my current information. Effectively allowing the fraud companies to break the law. 
This harms me, irreparably. Stop Experian from breaking the law, and I am including all 4 parts I am to supply Experian to block the items in 4 business days or less, so when you send this to Experian, they have 4 days to block the information from when you, the CFPB sends it to them. 
The info to be blocked is XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX address- XXXX XXXX XXXX XXXX XXXX  XXXX Experian refuses to accept I never lived here even though the building was not open to occupy until XXXX, and was a golf course until XXXX. How can accounts have this as my address if the accounts were from XXXX and before? 
This is how crazy stupid Experian is being. 
I have named the fraud items to be removed in 4 business days or less. You are sending my 4 docs to Experian for me.

We shall see how they reply to you.

I am actually sending you the police report that clears me as well as names all these items but not in the public file. Experian said that that the police officers didn't have their badge numbers which is a complete and total lie. All 3 of the officers including the supervisor have their badge numbers with them after their name. They also said an important area was blocked out but the police blocked that area out because it contained my it contained my social security number by mistake and they didn't want to compile a completely new report so they blocked it out for me because it's a public report and they didn't want that information in their public file. But of course experience says it like that was the reason for them to break the law and not block these items. I'm including their words but I'm just letting you know here that's what type of garbage they used to break the law. The law doesn't give them that right but they use it anyway.
Product: Checking or savings account

Capital One Bank- Failed to give notice related to provisional credit that had already been reverse twice before. The bank conducted a reverse on the same day as the provisional credit of {$300.00}. dollars was given in XXXX of 2017. In an effort to deceive the customer, capital one engage in another illegal reverse without notifying the customer also, when log-in account the record failed to show up dated information. Customer had fund of {$82.00} in account an made transactions unaware that Capital One conducted another revision of credit because, notification was not given until today by phone. Capital One agent at ph # XXXX ( female ) refused to provide info by mail and made " unethical-XXXX   comments '' by stating " You should Civil Rights and WHY HE WAS TREATING ME LIKE A XXXX UNEDUCATED " XXXX '' AND MAKING CORRECTIONS TO MY WORDS? This man stated he was the MANAGER of Deposit but why was he so UNPROFESSIONAL AND VIOLATED ALL MY HUMAN RIGHTS Along with Capital One. Capital one also charged me over draft fees which, would not have been applied if the reversal of the provisional credit was not on my account without any notice Capital One did this and also, never provide dates to which the provisional revision was going to be applied to my account. Capital one also have another account which they have stole over {$600.00} from me for someone else social security payment that was revised but, it was charged to me because the person passed away nor, was notice given before they took my money on money market saving account. WHY ARE THEY DOING ILLEGAL ACTS TO GET MONEY FROM CUSTOMERS? I Plan to take legal action if this is not corrected and the way I was treated by XXXX made no sense. I should not be judged on the XXXX of my RACE OR BACKGROUND>> I am very disappointed in CAPITAL ONE. I had been a CUSTOMER FOR OVER 8 YEARS TO BE TREATED LIKE TRASH AND VIOLATING MY RIGHTS IS NOT PROFESSIONAL ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, US DEPT ED account # XXXX, USDOE/XXXX  account # XXXX XXXX XXXX  XXXX  account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX. XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has violated my rights. 

You have VIOLATED multiple laws. 
15 U.S.C 1681i 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 an account without my written instructions.

You DID NOT have my written instructions to do so. If so, PROVIDE THEM.

I command that these accounts be permanently deleted from my credit profile or you will be held accountable and responsible for {$1000.00} per violation.
Product: Vehicle loan or lease

I honestly no longer want to be in contract with bank. its predatory. they have charged off my car loan and continue to call me obsessively. I would like to get my title. I never received a copy of my title at all and when requested I was denied. here in XXXX we can not register the car without a title. I purchased the car in XXXX  and never got a title at all. I can't register my car therefore ca n't drive it. it's been over a year now.
Product: Credit reporting or other personal consumer reports

The following accounts are inaccurate and unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are doing damage to my financial well-being. And if they can not be verified, I would like them removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX collections account and requesting a re-investigation of all reported details. According to XXXX XXXX 's response in CFPB complaint XXXX, they claim to have purchased the account from XXXXXXXX XXXX  XXXX XX/XX/year>. However, I have not received any evidence from Portfolio Recovery to support valid assignment or transfer documents from XXXX XXXX  or XXXX XXXX XXXX XXXXi that authorize XXXX XXXX to collect on this Collections account. Additionally, for my credit report on Equifax the XXXX Credit Card account, as reported on XX/XX/year>, reflects a {$0.00} balance and was marked as charged off and transferred as of XX/XX/year>. This raises further questions about the legitimacy of the collection account being reported by XXXX XXXX, as the original creditor reports no outstanding balance or past due amounts. For my credit report on XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX are being reported to support any balance due or owed for Portfolio Recovery to collect on {$1000.00}. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy in the reporting of information. Since the original creditor reports a XXXX balance, there is no valid reason for XXXX XXXX to be reporting a balance of {$1000.00}. Therefore, I am requesting that XXXX XXXX provide proof of assignment or transfer of the debt, as well as valid documentation verifying their legal right to collect on this account. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires that only accurate and verifiable information be furnished by collection agencies. Furthermore, I dispute the remarks stating " Consumer disputes after resolution ; Collection account, '' as I do not agree with the prior resolution. These remarks are misleading and should be removed under FCRA 15 U.S.C. 1681s-2. 
I request a thorough re-investigation of all account details, including the balance, original creditor information, collection status, and remarks. Please provide written confirmation of the results of your investigation, along with proof of assignment or transfer of the debt from XXXXXXXX XXXX  or XXXX XXXX XXXX XXXXi to XXXX XXXX If the debt can not be verified, the XXXX XXXX account should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 3 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. 

You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX  XXXX. Account Number : XXXX ; Account Name : XXXX  Account Number : XXXX ; and Account Name : U S DEPT OF ED/XXXX, Account Number : XXXX ; U S DEPT OF EDXXXX, Account Number : XXXX ; U S DEPT OF EDXXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXDTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Resolution Needed : FCRA Violations in My Credit Report Dear Transunion, I hope this message reaches you well. I am writing urgently to address discrepancies discovered in my credit report that may potentially violate the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my credit profile, several errors have emerged, raising concerns about FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the collection and reporting of consumer credit information. It emphasizes precise data handling, retention, and transparent dissemination. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Reporting agencies consolidating individuals ' information based on names or social security number similarities. 
Neglect of prescribed protocols by agencies for managing disputes. 
As per the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially concerning employment-related matters. 
Receive notification if my information has been used in credit applications or other transactions. 
Dispute and request the correction of incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed following FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items significantly deviate from FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, as evidenced by my recent denial for extended credit, directly attributed to errors originating from your agency. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This address is not correct. Delete it immediately from my report. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation. 

3. XXXX XXXX XXXX XXXX XXXX XXXX I was never late on this account. Please remove those late payments. 

4. XXXX XXXX XXXX XXXX XXXX XXXX  Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

5. XXXX XXXX XXXX XXXX XXXX XXXX  I was never late on this account. Please remove those late payments. 



I trust in your prompt attention to rectify these violations within the stipulated timeframe mandated by the FCRA. Failure to comply will regrettably necessitate legal action to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX
Product: Mortgage

tried to get a modification through carrington mortgage services, that 's who services my loan. I am 7 years behind on payment do to lay offs, been working steady last 2-3 years making XXXX more dollars a hour then when I bought the house. I been trying to get a modification for years and no luck. I have filled out and sent back modification after modification to be turned down. XXXX tried to help, We had 2 meetings, 1st one carrington said it looked good and might be able to help us. 2nd meeting did n't say much, know I am heading for foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to all three credit bureaus XXXX, XXXX, and Equifax. Even the basics of my name are incorrect. There has been a variation of my name a middle initial of XXXX My middle name is XXXX. They have ignored my many requests over the course of a year of letters I send in asking them to update this. 

I also have many accounts that are misreporting, inaccurate, missing information in the accounts, inaccurate numbers, etc. How is it possible for them to verify any of these accounts if nothing has updated in over a year. 

I have sent letters on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 This is just this year alone. 

I need help because they are not responding, and my patience has been pushed beyond its limits.
Product: Credit card or prepaid card

Starting in XXXX of XXXX  I have tried on multiple occasions to have my Upgrade account closed and as of this writing my card is still active. I have called Upgrade 's support line four different times and each time was told that my account has been noted but yet my card and account are still active. I emailed their Support center around XX/XX/2021 and was also told my account had been noted but still my card is active. I even submitted a complaint with the XXXX XXXX XXXX and was told someone would be contacting me but I never received a call or email.
Product: Credit card

I have been out of work from a medical issue and have not been working. I called Capital One and asked if there was any help they could offer such as repayment plan. Unfortunately they had only one plan to assist me. I was asked what I can afford I said {$100.00} and the plan that was offered was {$520.00} a month for 3 months. I explained to them what I just said I could afford only {$100.00} monthly. Even if it was temp. I went through this last year and had to file a complaint because there was not one plan or program to help with people who have an accident and go into hospital and are out of work. I had someone from Corporate call me and they were understanding and was able to assist with a plan temporarily. The lady stated if I had any problems or needed any assistance to call Capital One. I did just that and I was turned down. I was in a very serious car accident and I am not responding to treatment I am out of work and in and out of hospital. I am asking for someone to call me back to speak to me about this. I am very stressed out and have been depressed I really just need to speak to someone that truly understands life happens and I don't want to have my bill go unpaid I DO want to pay it but need a little bit of understanding and a little time to make all the payments. I would think Capital One would want to help customers with circumstances out of their control and who want to pay but have been seriously hurt bad enough to be out of work for an extended period of time. 



I filed a complaint and was deceived by XXXX XXXX who actually spoke to me and my mother and then we played phone tag as I had a few Dr 's appointments and he never called back. He then responded to the complaint with a letter to have me identify myself. I honestly can say I did not see that coming and I think he did that to have the case closed because he is not being truthful. I have been in a very bad car accident and am still out of work I wanted to work with Capital One. I faxed what he needed and Capital one has not responded or bothered to get in touch with me. I have talked to a few people who state they have filed complaints with Capital One on the CFPB and because there is not a follow up and the case gets closed once they respond even it is not even a real response.
Product: Money transfer, virtual currency, or money service

My wallet was stolen and it had my driver 's license card and bank cards in it. I believe I am a victim of identity theft and fraud. Someone deposited unknown money into my account and got it out of my account. The transaction was unauthorized. Both transactions were unauthorized.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) || Account number XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) || Account number : XXXX