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

I am writing to formally request the blocking and deletion of specific accounts and inquiries reported under my name, which were fraudulently created as a result of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the accounts listed below be promptly removed from my credit file. 
Fraudulent Accounts to Block and Delete : XXXX XXXX XXXX  - XXXX - XXXX - {$930.00} XXXX XXXX  - XXXX - XXXX - {$1600.00} Fraudulent Inquiry to Remove : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is falsely reporting a delinquent balance of {$3100.00} to Equifax, XXXX, and XXXX. I do not owe this debt. I have made several attempts to resolve this issue with XXXX XXXX, Equifax, XXXX, and XXXX.
Product: Student loan

We are filing a lawsuit in the amount of XXXX $ against Citi Bank. They have failed to provide information proving ownership of the account and have not removed the account as it is Identity Theft from the credit Bureaus. 


Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You have VIOLATED FDCPA LAW for both and I will be filling proceeding with this lawsuit if you do not REMOVE THE ACCOUNTS FROM MY CREDIT REPORTS. IF YOU REMOVE THE ACCOUNTS I WILL DROP THE LAWSUIT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PURSE ALONG WITH PERSONAL INFORMATION AND LATER OPENIED UP THE FOLLOWING FRAUDULENT 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
Product: Mortgage

Attempting to have PMI wiped from my Wells Fargo mortgage loan number XXXX. Need an appraisal to determine if my loan is 80/20 LTV. Had a loan with wells for 14 months, all on time payments. 

Ordered our first appraisal on XX/XX/XXXX ( attached ). First appraisal came in at $ XXXX. I need $ XXXX for 80/20 LTV. They used 1 beds as comparable properties, when in reality my property is a 2 bed. Submitted a value reconsideration form for a second appraisal ( attached ). This new appraisal came in at the same value. 

This new appraisal contains factual errors and is a misrepresentation of closed real estate listings that are either cancelled or not closed properties. I will be filing a formal complaint against appraisers license, and will be contacting Wells Fargo for a refund on this appraisal and obtaining a new appraisal. XXXX XXXX has failed to deliver an accurate 2 bed / 1 bath appraisal on two opportunities. 

On the value reconsideration, the appraiser used two new comparable properties that never sold. One is a cancelled listing, the other is under contract. Its impossible to determine market value from two properties that have never closed. This is either a blatant error or a clear sign of incompetence. 

XXXX XXXX XXXX XXXX ( MLS XXXX ) 1 bed condo, that was on the market for 301 days, and never closed. The appraiser has this listed as " active '' when in fact it is a " cancelled '' listing. MLS sheet attached. This clearly can not be a comparable property for the sales comparison approach, as it never sold, and is not an active listing. Also, its a 1 bed property, without parking. The subject property is a 2 bed property with parking. 

XXXX XXXX XXXX XXXX ( MLS XXXX ) 2 bed condo, that is currently under contract. Its listed at $ XXXX. What happens if it sells for $ XXXX over the list price? What happens if it sells for $ XXXX? We can not assume this as a comparable property or use it to determine market value as it has not closed. MLS sheet attached. 

There are plenty of closed comparable properties in the area that the appraiser could use, which would easily get this property in the $ XXXX range it needs for 80/20 LTV ( actual comparable properties that have closed, that are 2 bed / 1 bath condos with parking ). In my value reconsideration form ( attached ), four of these properties are suggested. The appraiser chose not to use any of these properties and instead chose cancelled and under contract listings. 

See attached docs, and let me know how you plan to fix this, or when I can expect another adjustment and an accurate appraisal. 

Waiting for a third appraisal, almost 30 days later, still no response from Wells Fargo. Just got off the phone, they said they will mail me a letter in 14 business days. Making this process of an appraisal turn around take 45 business days, during which, I'm paying {$200.00} in PMI monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2023 I believe this debt is related to the fraudulent theft of my identity used to open up a credit card with XXXX XXXX XXXX 

XXXX XXXX XXXX  claims that I made this request by a branch visit, but I have not been to the US mainland in 30 years, so I find that impossible. I request that this debt be cancelled due to identity theft.
Product: Credit reporting or other personal consumer reports

Failed to removed data that is not mine. I called the company many time and got the same responds, ( it belong to you, Sir. ) That all the customer service people said. 
This it hurting my credit and it has dropped, now I can to get a home loan.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company and informed them that this an unauthorized transaction I didn't give permission to run my credit, I ask them to validate these inquiry. 

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C. 1681 section 602A. 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. 

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX { XXXX ) 15 U.S.C. 1681 section 602A. 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. 

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S.C. 1681 section 602A. 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.
Product: Debt collection

This is now my 5 attempt in regards to this company. My prior request was to have the orginal balance being reported and it be removed as this company is not aviding by the fdpca nor the fcra regulations. This item has been reporting on my reports since XXXX and all these years there has not been a single penny added to the amount until XXXX. I have disputed this item on my credit reports multiple times request a indepth summary as to why it is on there and the balance being reported to show me proof that this balance is correct when it is NOT! The paper work this company is sending me does not show me by law they are allowed to add interest 6 1/2 years later almost 7 years later. The documents provided only show that XXXX states the conduct un eithical business with they are allowed to pursue increase balances. Also balances can not be adjusted by law when the account hits collections and has been in collections for the time lengeth it has been. This company has called my work which is against the law, they have harrased me, and have provided me with documentation showing they stated this is reporting as a judgment on my reports. I have requested to have this item removed! I got a generic response from my previous complaint and nothing from my others.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Product: Credit reporting or other personal consumer reports

I am writing pursuant to 15 U.S. Code 1681i, which requires credit reporting agencies to investigate disputed information in consumer reports. Upon reviewing my credit report, I have identified the following inaccurate information that I am disputing : Account Name/Number : XXXXXXXX XXXX XXXX  Bank of America XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Issue : inaccuracy and Late payment balance, late payment, Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you are required to investigate this matter within 30 days and provide a written response with the results of your investigation. If you determine that the information is inaccurate or can not be verified, I request that it be promptly deleted or corrected in compliance with the Fair Credit Reporting Act. 
Additionally, under 15 U.S. Code 1681i ( a ) ( 6 ), please provide me with a description of the investigation, including the name of the person or entity that furnished the information and any supporting documentation used to verify it. 

I have enclosed copies of documents supporting my dispute, including a copy of my credit report with the disputed items highlighted, as well as any relevant statements or correspondence. 

Thank you for your attention to this matter
Product: Checking or savings account

In XXXX XXXX I went to the XXXX Branch where my parents banked to close their accounts ( which were in a trust ). To make a long story short ... the woman that issued the checks handed me all of the documents required to close these accounts. All with live signatures, along with my copies. Hence, she had no documentation for closing out accounts that were substantial ( ending in 6 digits ).  The bank called me approximately a half hour later and ask if I would return the documents. I told me it was their mistake and they were more than welcome to pick them up from my home. They sent a courier to retrieve documents that should have NEVER left the branch. Upon closing these accounts I asked 3 times about the safety deposit box my parents had and was told they did n't have one. NOW .... NINE YEARS later, I receive a letter addressed to my parents stating that their safety deposit box access will be restricted until ( my parents ) contact the branch. I phoned the branch and ask for a branch manager ... which they do n't have. I spoke with a glorified teller who refused to give me his supervisor 's name and phone number. After several attempts, I got the supervisors name, and spoke with him, and several days later he said he would have a bank manager at another branch take over the situation with the safety deposit box. That was over 2 weeks ago and I have n't heard from anyone since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, I see that I have late payments in XXXX. According to the Federal Trade Commission Act 15 U.S.C. 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, unless the creditor has adopted reasonable designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment is due. As you can see from the attached state email, the statement was delivered on XX/XX/XXXX and the due date was XXXX XXXX. This is a violation and I am requesting ALL late payments be removed from my credit! I am not against legal action if this is not resolved in the next 30 days. This letter was sent certified on XX/XX/XXXX and I have not received a response which is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is making multiple false report to my credit files. 
The company reported to the three major reporting credit bureau that I have make a {$5.00} payment to the account over the past two months, which is totally false.

I have made five requests both via certified and regular mail requesting an investigation of the fraudulent charges over the past 14 months, after the 3rd letters I got a vague response stating that they verified that the charges were mines without any stating how they verify the charges were legit. My follow up letter went unanswered. 
I haven't used the card for nearly ten years, once I had paid it off around XX/XX/XXXX. 
I provided XXXX XXXX with a copy of the FTC Identity Theft Report because it is really necessary that I know how the card was used, since unlike many of the fraudulent card that was opened with my info, the XXXX XXXX credit card was legitimately mine. 
Not only the company is not complying with my lawful request, it seems like this is an attempt to circumvents existing laws to keep reporting on the fraudulent charges which event if they were legitimately made by me would have reach the status of limitation. 
The last payment I made was around XX/XX/XXXX, not in XX/XX/XXXX and XX/XX/XXXX and not {$5.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a checking account with TD Bank and obtained a HELOC. To pay for the HELOC faster, I decided to move all my banking needs to my TD account including receiving rent payments. On XX/XX/XXXX, I began transferring my XXXX email and phone numbers to TD. That day, they locked all my emails and phone # s in with XXXX. I contacted XXXX and they said they don't control it, TD was the one who locked my profile. I contacted support who told me to show proof I am not a scammer by going to a branch. I did and the assistant Store manager assured me it was just a mistake. On XX/XX/XXXX, I received a message stating they will not release my emails and phone numbers and that I should seek alternative payment methods. 
I contacted them over the phone once again and all they can say is the department that locked my account don't take calls and even if you speak to a supervisor you'll get the same answer that they locked my account and will not tell me the reason.
Product: Credit card or prepaid card

Purchased item online car cover wrong cover sent merchant had advised 100 % guaranteed tried a dozen times to exchange. After a week called credit card company to dispute charge finally got hold of someone by phone at XXXX XXXX XXXX after an argument she said good luck on getting refund and hung up on me. Contacted credit card company to let them know what was going on. Two months later got return Receipt from company and dropped off at XXXX store. Chase sent me a check for XXXX dollars now the bank has rebuild me and they in favor of the merchant because item was returned to late? I am out XXXX dollars and no car cover because Chase Bank is incompetent plus a thousand hours on phone trying to resolve this I refuse to pay.
Product: Debt collection

They call me several times a day from different numbers including XXXX. They do not send postal mail. They refuse to stop calling.
Product: Debt collection

Account info Account name NATIONAL CREDIT ADJUSTERS , L.L.C Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/year> Status Collection account. {$700.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$700.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$700.00} Highest balance - Terms 1 Months On record until XX/XX/year> I do not know this account and demand the original signed contracts showing I am liable or that this account be immediately and permanently removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX " XXXX XXXX XXXX CA '' with transition, XXXX, and XXXX due to not having any relation to this creditor. I applied at XXXX XXXX and they ended up not signing the lease and pursing with my residence. Yet, they decided to report a balance on my credit report. I have ask all three credit reporting bureaus to review my documents that I mailed to both XXXX  and XXXX. I listed all relevant documents that prove. I have no relations to XXXX XXXX. XXXX did not conduct a through investigation and did not provide the results in writing like I requested in numerous letters. They updated my credit report as the issue was resolved and that the creditor provided a certification to them that the information was accurate. No documents were provided that backed up their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX FIRST NATIONAL BANK OMAHA has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 602 A. It also States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.