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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Hunter Warfield is attempting to collect an alleged debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692g. I am a consumer. 
I am awaiting all correspondence requested to validate the alleged debt and an audit trial. I have also requested Hunter Warfield to remove this unverifiable account from any and all credit bureau reports in which they are reporting to and that the debt collectors send me notification of their intent to do so as proof they have ended their investigation. I haven't received a response as I've sent XXXX letters XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate information on my credit report, which is adversely affecting my creditworthiness. I have reviewed my credit report, and I have identified several errors that require your immediate attention. The inaccurate information pertains to late closed accounts and charge-off accounts, and I kindly request their removal and correction of late open account as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - please removed this late closed accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX - I dispute the accuracy of the late payment information reported on the accounts mentioned above. I have records and documentation to support that these late payments were not valid or were the result of extenuating circumstances. I kindly request that you investigate these discrepancies and update my credit report accordingly to reflect the accurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I dispute the validity of the charge-off accounts listed on my credit report. I believe that these accounts were reported in error or have been inaccurately marked as charged-off. I request that you conduct a thorough investigation into the status of these accounts and, if they were reported erroneously, remove the charge-off status from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the above-mentioned discrepancies and provide a written response within 30 days. I have enclosed copies of the relevant documents and supporting evidence to assist you in your investigation. These documents you are enclosing, such as payment receipts, correspondence with creditors, etc. 

If it is determined that the information reported on my credit report is indeed inaccurate, I expect you to correct my credit report promptly and provide me with a revised copy free of charge. Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information, as required by law. Please assist me to correct or removed the following mentioned accounts above.
Product: Debt collection

According to the Federal Law passed on XX/XX/XXXX, The law states that a debt collection agency can not report to the credit bureau without first communicating with the debtor. This agency, named TRANSWORLD has violated the law by posting in all 3 credit bureaus beginning on XX/XX/XXXX and reporting ever since without ever sending a letter to me or allowing me to dispute the claim.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00} l XXXX  XXXX XXXX Balanced : {$140.00} la
Product: Vehicle loan or lease

SANTANDER COMPLAINT ON XX/XX/XXXX, THE VEHICLE WAS REPOSSED. XXXX MONTHS LATER I CALLED SANTANDER TO DISPUTE THE CHARGES AND REQUEST A COPY OF THE ORIGINAL LOAN AGREEMENT WHICH I NEVER RECEIVED. I DID RECEIVE A COPY OF DEBT COLLECTION LETTER WITH A LISTING OF PAYMENTS FROM THE XXXX  PAYMENT ON XX/XX/XXXX THRU THE LAST PAYMENT RECEIVED ON XX/XX/XXXX. THE INITIAL PRICE OF THE VEHICLE WAS {$20000.00}, HOWEVER AFTER XXXX OF PAYMENTS TO A TOTAL VALUE OF {$22000.00} WERE PAID AND AT THE TIME OF REPOSSESSION THE BALANCE DUE WAS STILL {$15000.00}. AS I LOOK AT THE STATEMENT I FOUND THAT MOST OF MOST OF MY PRINCIPAL PAYMENTS WERE APPLIED TO THE INTEREST KEEPING THE NOTE AND PRINCIPAL BALANCE HIGH. ON SEVERAL MONTHS I MADE MORE THAN XXXX PAYMENT IN AN EFFORT TO REDUCE THE PRINCIPAL BALANCE AND INSTEAD OF APPLYING THAT XXXX  PAYMENT TO THE PRINCIPAL BALANCE THE MAJORITY AMOUNTS WERE APPLIED TO THE INTEREST. 
THIS IS A DISGUSTING PRACTICE AND IT IS EVEN MORE AGREGIOUS WHEN THIS IS A COMMON PRACTICE BY A COMPANY TO INDIVIDUALS WHO ARE ALREADY BEING FINANCED AT A HIGH INTEREST RATE AND ATTEMPTING TO TRY TO REPAIR OR ESTABLISH A GOOD CREDIT HISTORY/RATING.

THIS PRACTICE IS IN EFFECT CONSPIRATORIAL, FRAUDULOUS, AND IN VIOLATION OF THE TRUTH IN LENDING ACT.

I INTEND TO PROCEED WITH LEGAL FILINGS IF I AM NOT PUNITIVELY REWARDED AS WELL AT THE REMOVAL OF THESE UNMATCHING VALUES OF THE AMOUNTS REPORTED THAT I OWE. THIS ACCOUNT HAS BEEN DISCRIMINATORY FROM ITS INCEPTION. THROUGH THE UNAVAILABILITY OF BETTER FUNDING I TOOK THIS CONTRACT IN GOOD FAITH, BUT WAS INTRODUCED TO THE FACT THAT THERE WAS NO GOOD FAITH IN THIS LENDING.

ALSO THERE WAS NO ACCOUNTING GIVEN TO ME OF THE {$4000.00} DOWN PAYMENT AT THE TIME OF PURCHASE, WHICH AGAIN IS WHY I REQUESTED THE ORIGINAL LOAN AGREEMENT BECAUSE I HAVE NO WAS TO COMPLETE MY ACCOUNTING ON THIS ACCOUNT TO VERIFY THE TRUE VALUE DUE.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and saw an account that is rather confusing. The account XXXX XXXX XXXX with an account number XXXX is reported incorrectly. I have disputed this account since XXXX XXXX XXXX. I asked TransUnion to make this account 100 % correct. I believe that if they have a document with my signature, they can easily make this happen. Now I knew that they do not have a documents with my signature on it so I would like this account to be removed immediately. Attached is the previous letter that I sent to TransUnion with my documents.
Product: Credit reporting or other personal consumer reports

PLEASE SEE RECENT ADDITIONAL RELEASED OFFICIAL DOCUMENT FROM THE LAW ENFORCEMENT AGENCIES SINCE I WAS A VICTIM OF GROSS FRAUD. FRAUD COMES IN DIFFERENT SHAPES AND FORMS, NOT ONLY IDENTITY THEFT. The fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime which I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. 

The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station, Fraud Department in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. Also, please see attached copy of an actual Police Report that they released to me which was approved by Detective XXXX when I picked it up from the XXXX XXXX Police Station last month. Then, the FBI XXXX XXXX named Special Agent XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. He called me on the phone and interviewed me for about XXXX hour and XXXX minutes.
Product: Credit card or prepaid card

I am writing to file a formal complaint against Citi for their non-compliance with 15 USC 6802 ( b ) and their failure to address my concerns regarding my opt-out right. 

On XXXX, I sent a dispute letter to Citi detailing the specific reasons why I believed they were in violation of 15 USC 6802 ( b ), which grants me the right to opt out of certain information sharing practices. However, despite my attempts to resolve this matter directly with the company, no satisfactory resolution has been reached. 

In my initial communication, I clearly articulated my concerns and requested that Citi rectify the non-compliance promptly. However, I have received no response or acknowledgment of my complaint to date. This lack of responsiveness is deeply concerning and demonstrates a disregard for consumer ri I firmly believe that it is crucial for financial institutions to adhere to federal regulations that protect consumers ' privacy and allow them control over their personal information. By failing to address my concerns or provide a resolution, Citi is neglecting its duty to comply with the law and failing to uphold its responsibilities towards its customers. 

I am seeking your assistance in resolving this matter and ensuring that Citi fulfills its obligations under 15 USC 6802 ( b ). I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint and take appropriate action to rectify the situation. 

Enclosed with this complaint, please find copies of all relevant documentation, including my dispute letter to Citi and any subsequent communication or lack thereof. 

I am eager to receive a response from the Consumer Financial Protection Bureau regarding the progress of my complaint. I trust that your agency will handle this matter with the utmost attention and seriousness it deserves. 

Thank you for your time and consideration. I eagerly await your response and a resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this XXXX XXXX XXXX   XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Checking or savings account

In XXXX of 2022 I went to Huntington bank and was unable to successfully open an account due to consumer reporting agency. I called and spoke with them yet no changes were made and im still unable to open accounts including bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit reports I attempted to contact a creditor via certified mail using the address provided on my XXXX credit report. XXXX also provided the same address for them. The mail ended up being returned to me for a bad address. .I then initiated a dispute based on a false address on my credit report and returned mail via certified mail on XXXX. I sent them supporting evidence of USPS tracking showing the returned mail, the contents of the original letter to the creditor, and the address for the creditor on my credit report, showing the address I sent to. XXXX  signed for my letter on XX/XX/XXXX.On XXXX XXXX  responded ( confirmation # XXXX " Adverse accounts will be deleted in 7 years '' " We Verified the item belongs to you '' " We verified the item is being reported correctly '' " Contact creditor directly if you have further questions '' Providing the same bad address mind you. 

Nowhere in my letter to XXXX  did I ask for verification of the alleged debt, nor it's reporting other than the bad contact address. 

On XXXX I sent a follow up letter to XXXX, the exact same letter with a PS. The PS informed them of their failure to properly investigate my dispute based on the bad contact address for the creditor. I also stated that I have no correct address to send correspondence to the creditor. With this letter I included a picture of the physically returned letter. I demanded a 15 day reinvestigation and if this creditor could not supply a good address to send mail to, to remove the erroneous item from my credit report for providing false information. They signed for my letter on XXXX and responded back to me on XXXX Confirmation # XXXX with simply " Adverse accounts are removed automatically in 7 years ''. Again showing to contact the creditor yet again with the same bad address. 

Clearly this shows an incompetent and botched investigation. At the bare minimum XXXX  should have demanded the creditor to provide the correct contact address, or delete the falsely reported item from my report. 

Enclosed are the letters I sent to XXXX  with signatures for the letters, Their Responses, An XXXX  credit report showing the creditor 's address, A scorsense credit report showing the same address, A picture of the returned mail, and usps tracking showing the letter being returned to me.
Product: Payday loan, title loan, or personal loan

I received an offer in the mail from Cashnet USA for a line of credit for {$800.00}. The letter said I was pre-approved. I was in a bit of a bind at the time and thought this would help. It did not, it made things worse for me financially!!! First the contract you sign online is very, very vague and hard to understand and there are hidden fees that they do not tell you about. They are called, " customary fees, '' well mostly all your payments go to these hidden fees to keep you trapped in the debt. You can never pay it off. I asked to settle the account for {$200.00} today and was told that I could not settle and would have to pay the debt in full. I have a credit limit of {$800.00}. I have borrowed a total of $ {$870.00} over the course of time. I was approved for the LOC in XX/XX/2018 and had been having payments taken out of my account every two weeks, until, I revoked their authorization to debit my account, last month in XXXX and asked them to close my account. They will not close it!!! I have made a total amount of {$840.00} in payments. I offered to try to settle the account for {$200.00}, which would make my total amount paid, XXXX. This would be {$170.00} above the principal amount, that I borrowed. I refuse to pay their outrageous fees any longer. It now states online, today, XX/XX/2018 that I owe a balance of {$950.00}. If I pay that, I will have paid them {$1800.00}, but with them refusing to close my account and steadily adding fees it will be even more, soon. No one should be allowed to be such a predatory lender!!! I want to get out of this mess, but they will not allow you to get out. I do understand that I should have fully understood the contract, before signing online, but when you are in need, you sometimes make bad choices. I do not think that should give a company the right to take advantage of people like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked the company to investigate these inaccurate and incomplete for these accounts : XXXX  XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX  : Account number : XXXX, the date of last active is inaccurate, and the balances is inaccurate
Product: Credit card

I am writing in response to your letter regarding the XXXX XXXX XXXX associated with my XXXX XXXX XXXX XXXX. While your letter stated that a XXXX XXXX  was issued on XX/XX/2024, it has not been added to my XXXX account, and I am still unable to redeem it. 

Thank you for your response regarding the XXXX XXXX XXXX associated with my XXXX XXXX XXXX XXXX. 

While you confirmed that a XXXX XXXX was issued on XX/XX/2024, it has still not been added to my XXXX account, and I am unable to redeem it. My XXXX XXXX number is XXXX, and I request that the certificate be linked to this account promptly. 

I have been patient in awaiting a resolution, but this continued delay is unfortunate. Please prioritize adding the XXXX XXXX to my account this week. 

Thank you for your attention to this matter. I look forward to confirmation that this has been addressed. 

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

I have for 28 years been a customer of XXXX XXXX Mortgage. I have paid since then every month. The issue is I filed Bankruptcy in XXXX. My Attorney was to reaffirm with my mortgage company but he did not reaffirm the house. So, I have NO credit on my account as positive. I contacted XXXX XXXX, and they said once the Bankruptcy is finalized it can no longer be reaffirmed with their company. I have contacted them and the attorney several times. Both decided to not address this issue. The attorney is XXXX XXXX, Michigan XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX. Account XXXX, This has been almost 7 years where my credit has not been recorded. I think it is not fair that I have to hire another attorney to fight this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

I was getting ready to purchase a house and apply for a mortgage, thats when i find out a bunch of credit cards were open under my Information without my knowledge or authorization, some even went to collection. i listed them below. 

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

I have a a unverified account from AMSHER COLLECTION SYSTEM. I had previously disputed this account. I have never done business with AMSHER COLLECTION SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that AMSHER COLLECTION SYSTEM Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMSHER COLLECTION SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card or prepaid card

In XX/XX/XXXX paid off account, then in XXXX received a letter stating that I had a balance of over {$12000.00}. In XX/XX/XXXX I disputed the balance and received in XXXX I received a letter stating the charges were fraudulent. In XX/XX/XXXX received a phone stating that this account was sold to midland credit management. I explained to them the situation and they wouldn't hear me out. Asked them to investigate this as fraud and they stated they would and get back to me. XX/XX/XXXX received a phone call stating that the balance was still owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with issues on my credit reports. i have late payments reporting, that are inaccurate. I have an account reporting on my credit report that should not be reported at all. There's a false name as well. These are all very alarming issues that should be handled quickly. I have notified XXXX, XXXX, and Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a very vague response letter just saying that the accounts were verified. When I asked how they verified the information and with whom, the bureaus haven't provided a response. As a consumer, this is harming my good credit status that I deserve.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.