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

This complaint is in regards to XXXX XXXX XXXX acct # XXXX I've disputed this account with Experian, XXXX XXXX and XXXX XXXX I've also submitted several certified letters to all three credit bureaus with no resolve on the repeated reporting of this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act. The listed above account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. USAA SVG BK 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 an 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.

Also 15 USC 1666b ( a ) clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This therefore is fraud on both the CRA and the furnisher of this information
Product: Credit reporting, credit repair services, or other personal consumer reports

This company responded to me on a previous complaint that they closed this account and returned it to their client and that they are no longer the company to deal with this account but yesterday XX/XX/2019 I received a letter from them asking me to pay them. Is this a joke or what is going on with this company. I am providing their response to my first complaint. The letter also says final demand for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax never investigated inquires and they willing knew it was a violation of my rights so they are liable pursuant to USC1692K 813 civil liability There deletion is admittance to them reporting inaccurate information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My father & I went to XXXX in order to move my phone line off of my fathers account onto my own account. We were told by the XXXX customer service agent that per Equifax, my social security number did not match their records and that I did not have any credit history. Because of this, XXXX would not establish my own account without a large down payment. I am a XXXX and my sister and a brother who also do not have any more credit history than I do were able to more their XXXX lines off my parents account and establish their own without any problems. I have filed both federal and state taxes for the past 2 years as well as pass several background checks. XXXX made a couple additional attempts with Equifax to establish my identity at Equifax 's request. XXXX faxed to Equifax a copy of my Social Security card and my drivers license. For some reason Equifax would not accept it. We were told to file a dispute through Equifax and again include a copy of my Social Security card and driver license. I never heard back from Equifax. You will see at the top of the attached document the time and date it was sent from XXXX XXXX. I called Equifax yesterday and I was told they did not have any record of my dispute or faxed info. I was told the only was to fix the problem was for me to take out a loan and/or a credit card in order to establish a credit history. I refuse to borrow money to fix their erroneous records.
Product: Vehicle loan or lease

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : WELLSFARGODEALERSVCS {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX  {$4800.00} Opened XXXX XXXX XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,
Product: Debt collection

XXXX XXXX XXXX is calling me after I have requested that do not contact me via a letter i sent which the rep says they didnt receive which i know is false because they sent me a letter responding to the letter i sent verifying an account that they verified with insufficient proof via a statement which doesnt proof anything I want all contact ceased! and I want the account removed from my credit report! since it has not been properly verified.
Product: Mortgage

We had a mortgage through Specialized Loan Servicing ( SLS ) for 2 years and we refinanced with a new bank ( XXXX ) on XX/XX/XXXX. Our property tax payment was due from escrow on XX/XX/XXXX, so we planned to have the new loan make the payment of {$2200.00}, which would have meant about a {$3000.00} refund from SLS after closing the loan with them. We received about {$800.00} from them, and when I reached out, they stated that they made the property tax payment on XX/XX/XXXX ( the day before closing ). I have spent the last month confirming with the county that they have only received the payment from XXXX ( the new loan ) and have not received any payment from SLS. 

Because our loan is now closed with SLS, they have disabled our ability to send messages to them and they have not returned any of my calls, so I am unable to get ahold of them to resolve the missing {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered this company had illegally reinserted a medical bill from XXXX XXXX on my credit file. You are required to notify me within XXXX days of inserting a previously deleted item. I did not receive such notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

i previously disputed Kohls/capital one on XX/XX/22 asking for full validation on this account letter was sent out certified and returned labeled. I have been fraudulently contacted by collection companies in the past for unsubstantiated debts. For this reason its that i was asking for full validation as i do not recall having account open. I never got a reply form bureaus nor original company but i did get my returned labeled signed by bureaus. So, I know they got my letter. But, still dont understand why they have ignored me! I ended up writing a second letter on XX/XX/22 as a 30 day no response still up to this date i have not received any documentation. I have not been notified account investigation has began and dates on credit report have updated this is not acceptable. Account is stating dispute was under investigation now resolved by XXXX XXXX XXXX I strongly disagree as i have not been notified nor have i received any documentation verifying debt is mine.
Product: Mortgage

OnXX/XX/2010 the mortgage payments on this loan were accelerated by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the entire debt became due on that date. 

Ocwen Loan Servicing is barred from foreclosing on the deed of trust as the statute of limitations to do so, has expired, per Washington State law, RCW 4.16.040 ( 1 ). 

This debt is no longer collectible. 

I have given notice to Ocwen Loan Servicing LLOC, and to the Ocwen Office of the Consumer Ombudsman without a response as of yet. 

Ocwen has previously identified themselves as the owner of the promissory note/loan, when XXXX XXXX has also been identified as the owner of the note/loan. Ocwen declared they were the owner of the note/loan under the penalty of perjury. Ocwen refuses to explain how there can be 2 owners of the note/loan, and when they became the owner of the note/loan. 

Ocwen has identified collateral file/note holder custodians, but has refused to say who these custodians were representing, whether it was XXXX XXXX or Ocwen?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Product: Credit card

This company is reporting a Kohls store card on my credit reports that I didnt open or authorize to be open I was a victim of identity theft and I have told the credit bureaus that and sent in the proper documentation and they removed the account but this company put it back on my credit reports for some reason. This is not my account and needs to be removed immediately
Product: Payday loan, title loan, personal loan, or advance loan

Made an effort to fix this problem now I have to stop the auto pay since they just randomly take money out of my account when they feel like it. Made my agreed payment on the XXXX then I saw another payment come out on the XXXX and they claimed I was past due. I have constantly complained to them about this I finally had to stop the autopay. Ifile the two paychecks as they wanted to prove my pay cycle their explanation was it takes 3 billing cycles but if I prove to you the money is there only on certain dates why are you taking money randomly out of my account they are to cease access to my account since they can't be trusted i will pay diligently till this account is paid for then I will close the account seemed like a great service but these practices are unacceptable.
Product: Credit card or prepaid card

On XX/XX/2020, we purchased airline tickets in the amount of {$500.00} from XXXX XXXX XXXX XXXX for a trip in XXXX to XXXX. Before our trip, the company canceled our flights and issued a voucher. Because of Covid, the airline never again flew internationally, so we were never able to use our vouchers. Finally, the airline went out of business. I have sent all of this information to Citi-cards dispute center. They responded that the information I sent wasn't enough to support my claim and I am responsible for the charge. In the attached news article, it explains XXXX quit flying internationally on XX/XX/2020, and went out of business at the end of 2020.
Product: Bank account or service

I opened a citigold account with citibank using the promotion code which was sent to me by citibank with promo code XXXX. Which states I will earn XXXX bonus ThankYou ( R ) Points after opening a new consumer Regular Checking account in The Citigold Account Package after completing 1 or more qualifying bill payments for 2 consecutive Citibank calendar months. After I opened the account I got the confirmation letter confirming all the promotional detail by citibank and stated I was enrolled in this offer. After I was enrolled in the offer, I contacted citibank several times and the agents all confirmed I was enrolled in this offer and repeated the condition for fulfilling the requirements and confirming I am eligible for the XXXX bonus thank you points. However, after I fulfilled all the requirements and contacted citibank again to check when I will received the bonus points, citibank agent told me I will not get any points since I was not targeted for this offer. Which is clearly not true as I spoke to several agents confirming I was eligible and enrolled in this offer and if I was not targeted they should have told me I am not eligible in the first place. Also, I had several citibank issued credit card offering thank you points and I am a member of thank you point account which I believe is the reason I received the offer and I applied for the account. I believe citibank has made a mistake and confused the customer and therefore should credit me the points I deserve since I fulfilled all the requirements for the offer.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, XXXX XXXX - XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, US BKPT CT XXXX XXXX XXXX XXXX, have violated my rights 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
Product: Debt collection

I have an outstanding debt with a previous rental company XXXX XXXX XXXX. Upon eviction there was no initial walk through performed by this company. Eviction was XX/XX/2017 and it was requested that I leave the key in the mailbox. After 30 days ( XX/XX/2017 ) I received a letter ( via email ) from XXXX, stating charges from XX/XX/2017. I had been away from the home for 21 days. I have no idea what may have happened to the property in that time frame. I did not receive any notices from the Collections Agency, Capital Accounts, so that I can request proof of debt or dispute the validity. According to my credit report this account with the collections agency was started on XX/XX/2017. I am not disputing the delinquent rent due, however I do not have the appropriate documentation for the additional charges. I have requested detailed invoicing for the additional {$2600.00} in trash removal, paint, drywall, and blinds from the original creditor XXXX and Capital Accounts. I have not received this information from either entity. I have requested in writing and via email. Capital Accounts, prior to my reaching out to them, had made no attempt to contact me in regards to this balance. And since my contacting them to request detailed invoice information I have only received one email. The balance since it has been with this company has also been apparently accruing interest, thus increasing the balance. I have disputed this through the credit reporting agencies and still have not received the requested information. One address listed on my credit report was incorrect and my certified letter was returned. My true balance due is {$1300.00}.
Product: Debt collection

Citibank XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. We purchased a TV from Best Buy in XXXX. Citi bank was the lender. The bill was paid off in XX/XX/XXXX. 
XXXX we were charged {$90.00}. We had not purchased anything. in XXXX I received a bill with penality attached and I contacted Citi and told them there must have been a mistake because we haven't purchased any products or service from Best Buy for over a yearr and our statement should be XXXX and was XXXX starting XX/XX/XXXX. They said they would fix the problem because it was a computer error. The next month I received another bill plus penaltys. Once again I called and I was told they would fix it but they could only take part of the paymenty off. It is XXXX XXXX and I received a threatning letter. I called once again and was transfered XXXX  times to XXXX diffgerent people over an hour and fifteen minutes.. It was difficult to communicate because their connectiuon wasn't good going into their call center and most of the people weren't fluid in English and given instructions not to settle. That was from XXXX call..Please help and clear my account and I don't wish to do business with this FRAUDULANT COMPANY any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account VANDERBILT MORTGAGE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that VANDERBILT MORTGAGE was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the Experian representatives. This is my XXXX and final attempt. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the Experian employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, Experian reports that they have verified these accounts are in fact mine. Who at XXXX verified this account? Who did they verify with? At this moment, these fraudulent accounts are only reporting on my Experian credit report as the others have deleted this incorrect information. I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, Experian is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX XXXX XXXX, and XXXX XXXX XXXX, ) These accounts have been deleted which I will attach, due to not being mine after investigation, but is still on my report. I have been fighting these accounts with Experian for almost XXXX years now. This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop fraudulent inquiries and I have well over ( XXXX XXXX credit, XXXX, XXXX ) fraudulent inquiries on my credit file. How is this happening? How are I being protected?