23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a reply from TRANSUNION today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It May Concern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or  Bankruptcy. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgement or tax liens. A Bankruptcy filing is public information. Again, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name- XXXX, XXXX, ) has found information on ( type of file - Tax Lien or Bankruptcy ) through third party research. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ),  and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting or other personal consumer reports

Fraudulent collections : XXXX XXXX SE- XXXX  Opened XX/XX/XXXX {$270.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$760.00} XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$290.00} Unauthorized Inquiries : XXXX  XXXX ( Bank ) XX/XX/XXXX My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by Law.

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA.

Please delete these items immediately until your investigation is done or I will hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX without Prejudice
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased {$300.00} in Bitcoins on CoinBase. I was initially told the funds cleared from my Bank account on XX/XX/XXXX. I purchased another {$300.00} on XX/XX/XXXX recognizing it would take about 5 days to clear. 
Coinbase now says that I won't have access to those funds until XX/XX/XXXX! 
My Bank account has been charged {$600.00} and while I don't have access to those funds on Coinbase due to a drop in Bitcoin values I'm loosing money.
Product: Debt collection

I received a letter in the mail from. XXXX XXXX XXXX about an account I had with Capital One. Capital One has been obnoxious when they revoked my credit card four years ago and I gave them a cease and desist order. When reading the letter from XXXX XXXX XXXX XXXX, I see they have been contacted by XXXX XXXX XXXX, which apparently purchased the debt from Capital One. I asked them for the number and when I called XXXX, they refused to talk to me unless I lift the cease and decist order. I have been working with two other debt collection agencies to pay off a debt incurred when my mother was ill before she passed away. I would like have XXXX provide me all the information concerning my account with them. I believe they should be reprimanded for demanding I lift my cease and desist order. It is my right not to have anyone call me.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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

XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00}, XXXX XXXX XX/XX/2020 are reporting on my personal credit file with ( XXXX/XXXX/TransUnion ) credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently opened or recorded in my name due to the breach.

Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Delete hard inquiries, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Student loan

I received a call from ECMC on XXXX XXXX, 2015. I missed the initial call, and called them back a few hours later. When I got a hold of the agent who called me she began asking me for information about my mother. When I asked what the call was about she would not tell me. I expressed concern about giving her information with such a vague idea of who they were. The agent told me that my mother had listed me as a reference, and had given them permission to call me if they could not get a hold of her. I declined to answer the agent 's questions and asked her not to call me again. 

I called my wife later and she had received a call from the same agent. Similarly, the agent had told her she had been listed as a reference by my mother, and tried to use that to get my wife to give her information. I thought it was extremely unlikely that my wife had been listed as a reference, as my mother hardly knew my wife ( who I was my girlfriend at the time ) when she took out the loan. I called my mother, and she confirmed that she had never listed either of us as references. The agent had lied to us in an attempt to persuade us to give her information. 

I called ECMC back and asked to speak with a manager. The manager confirmed that the agent had used an internet lookup to find our phone numbers. I told them how concerning it was that their agent had lied to us. The manager assured me that they would take care of the matter. I received a message later that day letting me know they had resolved the issue by adding my phone number to their do-not-call list. 

I recorded both of the phone calls ( with the agent and with the manager ). ECMC has a warning saying their phone calls are recorded and there was no expectation of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have items listed on my credit report that are inaccurate. 
A credit check from XXXX XXXX was done without my authorization. 
I have a letter from XXXX confirming the error ( attached ). 
I am asking both credit bureaus to remove the following inquiries caused by XXXX error : 1. XXXX  XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX Please remove and delete these inquiries that were no authorized.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint for Violation of FCRA, TILA, and FDUTPA by Equifax Dear CFPB, I am writing to file a formal complaint against Equifax for their egregious violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). On XX/XX/XXXX Equifax has verified several inquiries on my credit report without proper validation, causing significant damage to my creditworthiness and financial well-being. 

Background : On multiple occasions, Equifax has verified the following inquiries without adequate investigation, violating my rights under federal and state laws : XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Violations : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), Equifax is mandated to ensure the accuracy and completeness of the information it reports. The negligent verification of these inquiries without proper validation processes demonstrates a clear violation of these sections. Equifax has failed to perform a reasonable investigation, causing significant and unjust harm to my credit profile.

Truth in Lending Act ( TILA ) : The TILA mandates clear and accurate disclosure of credit terms. The inaccurate reporting and subsequent verification of these inquiries by Equifax obscure the true nature of my credit history, potentially misleading lenders and violating TILA provisions intended to protect consumers from deceptive lending practices.

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) : The FDUTPA prohibits unfair or deceptive acts in trade or commerce. Equifax 's failure to verify the accuracy of the inquiries and subsequent verification of inaccurate information constitutes a deceptive practice. This has not only damaged my creditworthiness but also violated my consumer rights under Florida law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I paid my billl in full XX/XX/22 for {$650.00} XX/XX/22 I get a new bill charging me {$5.00} calling it interest. On XX/XX/22 I called XXXX regarding service fee after bill was paid in full. He told me they would remove the fee. 
On XX/XX/22 I get a new bill charging me {$5.00} fee bringing total to {$11.00}. I called XXXX. Man told me that they refused to waive the fee as it was interest. 

So I am charged interest 2 times on a paid in full bill. 

I want this {$11.00} removed and cancel my credit card.
Product: Student loan

I file this fourth CFPB complaint to request that the Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan on my XXXX credit report be removed. I have filed three complaints against MOHELA with the CFPB regarding this issue to no avail. MOHELA has repeatedly assured me that the issue will be rectified. Those assurances ring hollow. I have attached my XXXX credit report, dated XX/XX/year>, which reflects the information MOHELA furnished XXXX as of XX/XX/year>. Please see page seven of the report. I obtained my XXXX credit report directly from XXXX itself, rather than a third-party app such as XXXX XXXX . Again, MOHELA has repeatedly assured me that a request would be submitted to XXXX to remove the comment, but I have yet to see any progress. The comment still remains! This is entirely unacceptable. I am unfamiliar with the dispute which MOHELA is referencing. I do not dispute the account information listed on my credit report. I would like this comment removed from my XXXX credit report. My ID is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 20TH COMPLAINT AGAINST THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) THAT FAILED TO PROVIDE ITS STANDING PROVING THAT IT IS A LEGAL MORTGAGE SERVICER WITH A LETTER DIRECTLY FROM THE REMIC TRUST, IN SPITE OF ASKING SELECT PORTFOLIO SERVICING ( SPS ) PER RESPA. 

PREVIOUS MORTGAGE SERVICER XXXX NEVER ASSAULTED MY PERSONAL PRIVACY BY ACCESSING MY CREDIT REPORT AT ALL. 

THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) ACCESSES MY CREDIT REPORT WITHOUT MY CONSENT EVERY MONTH CREATING 35 DROP OF MY CREDIT SCORE. 

THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) VIOLATED LAWS, BUT NOT LIMITED TO FCRA AND PRIVACY LAWS. 

THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) IS IN THE REAL BUSINESS OF FORECLOSING. 

CC. OFFICE OF CALIFORNIA ATTORNEY GENERAL
Product: Mortgage

DiTech ( current lender ) could not provide a payoff quote to support the sale of my home. 
They are undergoing a " automation system upgrade '' and claimed their system will be down until XXXX XXXX. I called customer service, talked to a service rep and her supervisor. The answer provided was that they would try to provide the needed information " early next week '' but made no promises. They supervisor 's supervisor was n't available so I left a voice mail for him. The lack of information will have financial impacts to me and the buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated XX/XX/XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, this company is claiming that the items I disputed have been verified ACCURATE and CORRECT which is not true. The XXXX account is fraudulent sent XXXX a copy of my FTC AFFIDAVIT, NOTARIZED, a police report filed my IDs and letters requesting the account to be removed and blocked. XXXX 's confirmed that they received all these documents last XX/XX/XXXX and still is under investigation. So why claim that this item has been verified, correct and accurate??? Not removing this item is a direct violation of FCRA 605B. For the XXXX XXXX account, Sent them a debt validation request, same date. Instead of sending me validation documents, they sent me a collection letter asking me to pay an amount that has already been paid. THESE ARE VIOLATIONS of FCRA and FDCPA by the credit repositories and the creditors. My rights to fairly acquire credit has been taken away by these companies!
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 : XXXX, XXXX  XXXX bankruptcy : XXXX, XXXX  XXXX bankruptcy : 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 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: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Since opening a zelle account ive lost hundreds of dollars from fraud and scams. 
Several times i wasnt able to retrieve the funds back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX that report bankruptcy to XXXX stations that they veify a bankruptcy thats incorrect courts dont verify anything with vendor also what they have from me to report that XXXX XXXX XXXX XXXX  deleted is just XXXX an XXXX but XXXX is tge one that give the information to them an this is causing loose money an pay for higher interest for theft mistakes an reporting that
Product: Credit reporting

I am being charged for a money order from the XXXX that I did not cash. This money order was returned to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2016 and she is in possession of this Money. I have proof it was given to the XXXX office but yet I have been charged fees in addition to the amount of the money order. I am asking for this to be removed from my credit reports. Amount is XXXX plus fees XXXX total XXXX, I do not owe.
Product: Credit reporting or other personal consumer reports

I previously contacted and disputed to Transunion about a bankruptcy on my credit report. XXXX in return told me the bankruptcy was verified. this fraudulent or error by Transunion has not been corrected. I DO NOT HAVE A BANKRUPTCY. Transunion did not send me any documentation that this bankruptcy belongs to me.