23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

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 XXXX 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. That 's 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. 
Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611. 
If your company, Experian, fails to comply with federal regulations by credit reporting agencies ONE MORE TIME, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
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. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violation of the Fair Credit Reporting Act
Product: Checking or savings account

On XX/XX/XXXX I received a overnight unsigned letter from Bank of America informing me that they had " removed '' {$4500.00} from my regular savings account as the results of a CD that I had made a loan to a business on that closed and the bank received a " Payment Demand Notice '' from the Texas State Comptrollers office. The bank incorrectly stated that the account balance was transferred to my personal savings account. When in fact the loan was not accepted. The {$4500.00}. from a {$10000.00} CD was rejected and replaced by a {$5000.00}. CD secured by the Trustee/ Owner of the business early, in XX/XX/XXXX. Copy attached. Further, the {$5000.00} CD was to the business. A Conduit bond was canceled. And a new bond issued for {$5000.00}. In XXXX, XXXX The certificate of deposit was released with a statement that its was not needed. It qualified for exemption. Copy attached. The assignment loan of {$4500.00}, shows the first two copies submitted neither signed by Comptrollers office. Because they were not accepted at that time. On XX/XX/XXXX, I received a Next Day delivery from Bank of America with a back dated signed of copy of the last version of the original CD signed by a XXXX XXXX. In writing at the top of the form, and the faxed statement at the very top confirms this. I informed XXXX XXXX that I had gotten the document reviews by an attorney for consultation. His recommendation, ( because I could not afford to hire an attorney ). Was to first address the problem directly to the Comptrollers office. I did. On XX/XX/XXXX. I received an email from XXXX XXXX, Tax Hearing Attorney for the Comptrollers office stating the office was correct in this actions, and the file closed. Both the Comptrollers office, and Bank of America have used manipulation, and abuse of position and authority to take funds from my person to secure funds for a closed business. The Comptrollers office manipulated part of my account in in their " Demand Letter ''. Copy attached. 
Please review and reply. 
Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got the title loan in XXXX the car was registered to me and the title was in my name they repossessed the car sent it to the insurance and then brought it back and in court relinquished the car to XXXX  XXXX XXXX I was never given the option to retrieve the car nor was I informed that it was being repossessed. they are trying to charge me the full amount of the loan but can not return the collateral that was put up for it. they will not discuss anything with me because the manager that went to court has since been fired along with another manager for basically doing whatever they wanted. titlemaxs  legal department did not appear in court the manager did.
Product: Credit reporting or other personal consumer reports

This is my Seventh times writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) I deman
d a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete all other names, any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SS # XXXX
Product: Debt collection

Advance Title and Loans out of XXXX Idaho has verbally abused and threatened my client on numerous occasions. The collection manager has stalking tendencies and has harassed the client numerous times to collect a debt including over twenty phone calls and or texts in a one hour time frame. In addition she continues to make allegations of non-compliance against her and broke into her credit counselor 's place of business.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX i am supplying proof as per the law the second time this company has ignored my initial request
Product: Debt collection

I've been working on fixing my credit since XX/XX/XXXX, I've disputed this account with the three major credit bureaus for the last 12 months. The two collection accounts reporting from bull city financial were deleted from XX/XX/XXXX; but continue to report to XX/XX/XXXXand XX/XX/XXXX. XX/XX/XXXXand XXXX  claim these accounts were verified, however when I ask for the method of verification I don't get a response. I've tried disputing directly  with bull city financial back on XXXX ( please see attached document ) with no response. I am unclear on how these accounts are still able to report on my credit report without any verification.
Product: Credit card

XXXX  at Citi Costco Card, XXXX requires that I receive a text message in order to complete the purchase of airline tickets at XXXX XXXX. My land line telephone can not receive text messages. Consequently the purchase of the airline ticket is denied. I routinely buy airline tickets from American and other carriers. According to XXXX, XXXX initiates the pop-up window explaining the code to be texted, that then must be entered to complete the purchase. 

The problem, I can't receive a text message with a code. The purchase does not execute. 

XXXX has plenty of protections to void any fraudulent transactions. But I shouldn't be denied the routine purchase of airline tickets at XXXX XXXX. 

My XXXX card is the Citi card with XXXX. XXXX is doing a disservice to those that don't have a mobile phone when making an airline reservation or other purchases. I have asked XXXX to prevent this from happening on my card, but they seem unable or unwilling to do so. They are not protecting me with their pop-up process. They are denying me the ability to make a routine purchase with a vender that I use on a regular basis. I have to call XXXX XXXX and explain the problem every time I make a purchase. 

XXXX wishes to call it fraud prevention, it is really an unnecessary inconvenience for good consumers that pay their bills on time. 

I'm discriminated against because I simply don't have a mobile phone when making a purchase. I have a high credit rating and pay all my bills on time. Maybe I need another credit card company?
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. - XXXX XXXX - Account Number : XXXX
Product: Checking or savings account

SunTrust Fraud Department XXXX Ext XXXX, From : XXXX XXXX, XXXX XXXX To : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2021, XXXX XXXX  EST Subject : RE : Affidavit for SunTrust Thank you for the signed affidavit. The bank of first deposit will also need proof of alteration in order to process you claim. 

** When emailing the affidavit back PLEASE include proof of alteration, which can include any of the following : Carbon copy of check, scanned image of check before alterations, invoice, bill, or any other supporting documents. ** Your claim will not be submitted without proof of alterations, no exceptions** This was the email sent to me by the Fraud Department at SunTrust , XXXX XXXX wants burden of proof of the fraudulent withdrawal of my checking account from any unknown subject who stole my check from the mail, white washed the check and filled in the amount of XXXX, causing financial destruction and employment not only for myself but for my son. I have now been fighting SunTrust to get my money back, which I might add was a loan to move for employment, now I am responsible for the payback and interest of this loan. Now my son lost his job, I lost my interviews, could not move, am devastated financial because they also deposited my Social Security check in the old account even though they said to come to bank and they would transfer to new account, when I got there they said they did not know to transfer. Talk about criminal activity this is an inside job, from XXXX XXXX  and SunTrust, not to mention the US Postal Service, must be a gang. Now I have the burden of proof that I took out a loan to move and not wrote the check to someone I don't know and for what? This is criminal and someone needs to be pay, I have suffered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed three disputes with Equifax. They do not offer me an option to provide the written notice from the financial institution that they concluded, on XX/XX/XXXX, that indeed a credit inquiry that is showing on my Equifax report was obtained fraudulently. Standard timeframe is to see the inquiry removed in 60days. Equifax denied the first two, denied the complaint I filed through CFPB, and just today, XX/XX/XXXX, they would not provide me with the opportunity to attach the letter copy even though online there was not option to attach docs before submitting. They said something like nope, you can send it but that doesnt matter because its got to come from XXXX. Ive been inundated with personal tragedies for two years. Im a XXXX employee. I know my rights, but Im just so exhausted and they want me to give in when Im the victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I borrowed a *single* loan with XXXX XXXX XXXX for {$4900.00} that originated on XX/XX/XXXX after interest charges were added the payoff amount would then become {$7.00}, XXXX for a *single total payoff, in which I agreed to pay. I paid the loan off in full in XX/XX/XXXX. Upon paying it off XXXX XXXX XXXX gave me a receipt stamped *paid as agreed*. Shortly there after I needed to have my credit pulled to rent a home and what I found on my credit report was XXXX XXXX XXXX the loan originator took what should have appeared on my credit report as a *Single* account and they reported it as *2* accounts with *2* different account numbers showing one with the amount I borrowed {$4900.00} as *paid/zero* balance and the borrowed amount along with its finance charges which made the loan a total of {$7.00}, XXXX yet this was reported as a second account with the payment status reported as *paid, was a XXXX*. I went to the local branch office I took the loan out in and asked why had they reported my single loan as two loans as well as why the payment status was reported it differently. I explained how it was effecting my credit score and the XXXX XXXX XXXX representative just said " We only have XXXX closed account in our system for you and they didn't know why it was reported that way. '' My first thought was that someone in there office took an additional loan out in my name but after I had located the payoff paperwork I realized what they had done. I went back to there office but again they wouldn't help me. I tried disbuting it with the credit bureau but found no resolve there either. So I contacted XXXX XXXX XXXX head quaters to express my grievances and frustration with the falsely reporting that was done and I was met via phone with a rude and disrespectful agent. Who basically told me so what I can't do anything about it. Then she told me to send here proof of the inaccurate reporting on my credit profile and they would correct it if they made that mistake but she was sure they hadn't. So I sent a copy to them and well needless to say its almost 2019 and it still affects my credit raiting.
Product: Mortgage

I contacted Amerisave ( XXXX XXXX ) regarding refinancing my rental property beginning of XX/XX/XXXX, By XX/XX/XXXX all the forms were completed and financial verification sent to XXXX XXXX. She insisted on a {$500.00} deposit to " lock in the rate for 30 days ''. 
The appraisal was complete and submitted to Amerisave on XX/XX/XXXX. 

Since that point in time no one will return my calls nor respond to my emails. I have even contacted XXXX XXXX, XXXX XXXX 's manager, to no avail. 

I have not received the Truth in Lending Statement, although I have asked both XXXX XXXX and XXXX XXXX for one. I requested escrow and title be opened with a company near me. I even provided a name and address of company they could use. 

Two months into this refinance, all I really know is that they have taken {$500.00} from me and nothing else has happened and I am totally unable to contact anyone there. Even customer service has you leave your number and no one returns the call. 

Is this even a legitimate company? Have they been closed down? Have you any knowledge to explain my experience? 

By the way, yesterday I receive a statement from XXXX on behalf of Amerisave stating an audit disclosed they had forgotten to sen me my credit score. It was XXXX out of XXXX. 

Please help.
Product: Debt collection

I received the attached attempt to collect a debt from McCarthy , Burgess & Wolff ( XXXX, Ohio ). They are attempting to collect a debt from a defunct corporation, XXXX XXXX XXXX XXXX, but THEY HAVE CHANGED THE DEBTOR NAME TO MY PERSONAL NAME. 

This is not a personal debt. This was for registered agent services for XXXX XXXX. 

I notified their client XXXX XXXX by email on XXXX XXXX, 2022, that the business closed down on XX/XX/2022. They refused to cease services. ( see attached email )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am filing this complaint to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is unauthorized credit inquiries made by the companies reflecting on the documentation attached for your companies review. To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed unauthorized credit inquiries was without my authorization, permission or consent and for no legitimate business purposes. Around the time these unauthorized credit inquiries was placed on my credit report I was incarcerated ( imprisonment ). As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in connection with these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly if I have to. In addition, I respectfully request a copy of any documentation authorizing these credit inquiries, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized these credit inquiries, I ask that the negative items be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC & 1681j ), there should be no charge for this report. Please note that credit inquiries arent considered factual records and shouldnt be reported on a consumers credit report for up to 2 years if they are found unauthorized. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached Screenshot proves XXXX  reported to XXXX {$0.00} balance due but they will not update my credit score, I need to help family get loan for medical, Please ask them to update my credit score
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have indentified certain information that is repoting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/1987. 
My correct Social Security number : XXXX - XXXX - XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX FL XXXX Please correct this typographical information inmediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit repot, as I have been a victim of robo-calls. 

Please not that I have opted out in writing to your forced arbitration terms and am willing o seek legal relief. 


I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance to the FCRA. 

Thank you.
Product: Debt collection

This company has not presented me with any validation of this so called debt that they are trying to collect. I didnt receive any notification of my rights to dispute this debt. This company violated my rights when they slapped this account on my credit file without notifying or stating who they were. I do not owe anything of this such amount or to these/this companies. They have sent multiple fraudulent documents by mail of credit card statements. They have not sent me anything showing that this account belongs to me either. Anyone can charge an account. Either its fraud or doesnt belong tonme. I wouldn't know because they have not presented me with validation as I stated before and a statement will not suffice. I will be filing suit if this account is not removed from my report at once. It's also reporting every month negative information which is harming my credit score in the process.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Small town in XXXX. Rented a house for XXXX year. Water bills paid on time. Moved out due to retiring from XXXX XXXX XXXX. Disconnected water account prior to moving from XXXX to XXXX. New tennant moved in to XXXX house and apparantly garnered free water services ( still in my name ). Landlord and city were contacted about the new tennant needing to pay this debt. The account was eventually changed in to the new tennant 's neme but the amount pending remained in my name and the tennant never paid it or owned up to it. It is a small amount of money, easlily paid. My issue is based on principal.