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

I am submitting this Complaint regarding the fraudulent items I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I need you to remove from my Crediet File : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Opened XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX BANK Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX BANK  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. With you not sending me any documents to support your claims that the disputed items belong to me, I have been expecting immediate deletion of the disputed items off of my Credit File.
Product: Credit reporting or other personal consumer reports

For the last XXXX months, I've been asking Experian to remove inaccurate personal information from my report and provided evidence to support my request. However, Experian has once again failed to investigate the matter.
Product: Vehicle loan or lease

Ally Financial on the date of XX/XX/2022 did not have permission to pull a report on my credit report, they validated the rights on Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX, Caine & Weaver is not authorized to collect debt. Therefore, they are operating illegally. 

After calling them to verify the debt, I was transferred three times providing each agent with my information, and they were unable to locate the debt anyway!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the four major credit reporting agencies. I recently disputed a charge-o for {$320.00} from XXXX XXXXXXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

XXXX : XXXX XXXX : XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Contents of Complaint : This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion, the credit reporting agency, block the information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be taken within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : Please delete and block the following negative items on my credit report : a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have XXXX Student Loans with Sallie Mar ( SM ) for which I am on monthly payment plans. Only 2 loans are currently due for payment and the 3rd loan was not yet due. Without notice, SM put the 3rd loan into automatic repayment status. When I called them about it they did not have any explanation, other than they I owed $ $ $ to bring it current. I told them that the 3rd loan had been in deferred status and was not due till month later. They did not care but keep transferring me from 1 customer rep to another.

I them made some arranges to bring up the payments of the 3rd loan. However, a few weeks ago, i got notification from my credit report that an account is reported as delinquent. When I looked it up, it was one of the SM accounts that I have been paying on. Not only is this information incorrect. It is unethical ( and should be illegal ) that companies like SM are reporting negative to student Credit Reports during an economic crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the followingXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

On or around XX/XX/2019, I reached out to XXXX XXXX XXXX at Barclay Card, EXT XXXX regarding making a settlement to my XXXX Visa Card issued by Barclay. I was told I would be called back by Friday, which I never was. I call another person in the internal collection department, who told me they would need to verify which department my account belonged to, and it could take two weeks. Well over a month later, on XX/XX/XXXX, I called because I received neither a letter, phone call or email from Barclay Card. I reached someone today who told me my voicemails may not of been responded to, because I didn't include enough information in the voicemail beyond my phone number. While the agent ( who was actually a manager ), did not seem very apologetic, she informed me that this missing information is why I was not called back, however it does not say in the voicemail what needs to be left. I asked about a settlement offer and was given an amount and percentage, which worked out to be {$760.00}. I was told I would only have 90 days to pay it, which is not enough given my current financial situation. I asked about paying the balance to have the account deleted and was told this was against " fair credit reporting laws ''. The FCRA does not prohibit deletion as I'm sure the CFPB already knows. I actually searched online and found numerous cases of Barclay Card removing tradelines. Paid for charge offs report the same as unpaid, so it would be of no benefit to me to pay it.
Product: Payday loan, title loan, or personal loan

The Payroll Protection Protection program is out today through the Government. I went to my bank of 25+ years, Bank of America , and they denied my loan because I didn't have an existing loan or credit card with them. Decades of loyal use of their bank meant nothing. This PPP is literally a life-line for my business. If I don't get it, I'm laying people off in a week or two. The whole purpose of the PPP is to keep people employed so they don't add to the massive unemployment rate, yet Bank of America added a stipulation ( which has nothing to do with the gov guidelines ) ... they're actually requiring their customers to have an open loan or credit card with them. So they're prioritizing customers based on how much money they're making from them, such as interest made on loans or credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in starts of my homeownership journey and I realized I had damages on my credit report. According to the 15 U.S.C 1681 law there should not be any damages to my report. I have recently reviewed my credit report and discovered that a medical collection account is listed XXXX XXXX XXXX account # XXXX, which I believe to be incorrect and unfair. I kindly request your assistance in having this collection removed from my credit report. 

I have not received any verification or proof of the debt from the medical provider or the collection agency. According to the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request verification of the debt within 30 days of receiving a collection notice. I have previously disputed this collection with the credit reporting agency and requested verification, but no satisfactory response has been provided. I urge you to ensure that the collection agency provides proper verification of the debt or removes it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2018 I wrote to XXXX  requesting that they investigate a fraudulent bankruptcy that is reporting on my credit report. Although, Ive provided sufficient information proving that this is not my bankruptcy, XXXX  has failed to remove it per Section 605B of the FCRA. They replied stating that they verified the account with LexisNexis a data reporting agency. I opted out of having my information shared and even still this fraudulent account is still reporting on my credit file. I would like to make one last final attempt before pursuing legal action.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

BRIDGECREST FORMERLY XXXX is a company that is regulated by CFPB and they are in violation of laws, statues, and codes that they shall abide by. BRIDGECREST FORMERLY XXXX has taken adverse information reflecting on my consumer report due to none payment for medical related complications. BRIDGECREST FORMERLY XXXX went to the extreme and reported to the consumer reporting agencies numerous times late payments which is transactions between the consumer and the person ( BRIDGECREST FORMERLY XXXX ) making the report. Congress says that transactions or experiences between the consumer and the person making the report is not included in your consumer report.
Product: Checking or savings account

Chase blocked my online bank account access with following message 'We locked your account due to suspicious activity.To unlock it, call us at XXXX ' I called the number twice, spoke with representatives and a supervisor, and was told that they could not give me information other than my account was under review for up to 48 hours. Unacceptable that the can lock my online access for an extended period of time, without access to my bank accounts or investment accounts.
Product: Debt collection

I received a garnishment against my social security XXXX from my banking institution, I applied for exempt from the debt due to the only income I have is from social security XXXX and the time frame to collect on the debt is pass the statue of limitation. The attorney initially denied the exempt. I went to court and the judge ruled in my favor that the debt was no longer collectable due to the statue of limitation and also allowed me the exempt on the debt due to my income only being from social security XXXX. The attorney refused to take the garnishment off of my bank account, which is causing me to accruing fees due to the fraudulent attempt of collecting.
Product: Debt collection

When I answered, they wanted to know if it's me and when I said who's calling, they said it's personal. 
Another time they called, they said they are in a recorded voice and I said I don't to be recorded, they hung up Another time they said when I asked where they are calling from and they said XXXX  XXXX. 
I asked what's that and they said personal matter I also had some correspondence
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( TRANSUNION, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. TRANSUNION, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, TRANSUNION, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE
Product: Checking or savings account

wells Fargo put a hold on my accounts because of my address not being updated i went into a branch and did it on XX/XX/2023 but they needed to verify the address which they did not do until XX/XX/2023 and there is still a hold on my accounts.
Product: Mortgage

I have a option arm Jumbo that was sold to XXXX, then to XXXX XXXX XXXX an finally to Nationstar. XXXX said that I qualified for the XXXX settlement agreement to Modification and then sold the servicing to Nationstar who said that they did not inter into the XXXX settlement. Nationstar will not modify my loan for any reason and would rather short sale the property for half the amount that I am trying to modify.
Product: Mortgage

MY Husband and I had a 2nd time trying yo get a home trough Academy Mortgage  with XXXX XXXX XXXX XXXX # cl XXXX I called to voice my concerns about the proceas since this is my first time buying a home, didnt yell and didnt accused just needed answer, the next day he said he will not help us, So im am not allowed to ask questions to get c clarification, He sent me a very unprofessional email. Instead of teaching he rather not help them understand. This reason for my report
Product: Debt collection

I was contacted via phone regarding a " bill/debt '' that XXXX claims I owe to their company. During the phone conversation I requested a debt validation letter and all that was provided to me was the first email in this string ( in attachments ). Legally, they are required to provide a validation of debt to me within 5 days of contacting me without me even having to ask for the validation of debt. 

Secondly, the information that was provided to me IS NOT a validation of debt. In order to be a validation of debt the following items needed to be present : 1 ) The name of the creditor 2 ) The amount owed 3 ) When the debt needs to be paid by 4 ) How to dispute the debt. 

I made contact with them on another date and requested a verification of debt. They provided me with a " contract '' and a " payment agreement '' ( attached ). I have carefully reviewed the items that were provided upon my second request and unfortunately, there are numerous discrepancies. Several items on the contract do not match the same items on the itemized statement that they provided. 
1 ) The payment amount.

2 ) The finance change.

3 ) The total amount owed.

4 ) The total sale price including the down payment. 

Additionally, the contract states that payments were to begin on XX/XX/2023, however, but by their itemized statement payments began on XX/XX/2023. Their contract references a credit card that the payments are to be drawn from and that account number is not one that I recognize as mine. The contract that they provided shows that it was signed XX/XX/2023 with a signature that is not mine. I do not have record of a this. 

With all of the inconsistencies regarding this alleged agreement, it is evident that it is an invalid contract/agreement. 

The contract they provided to me says XXXX at XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX is the creditor and XXXX is the payment processor for the creditor. 
Here is a direct statement on the contract they provided to me : " Relationship of Parties : Buyer acknowledges and agrees that XXXX is NOT a lender but rather the payment processing service provider of " Provider '' and lists XXXX as the " Provider '' in the previous paragraph. 

In short, XXXX is merely a platform for payment. Its only the creditor who can pursue collections. The creditor is explicitly stated to be XXXX in the contract and since they no longer exist neither does the debt/obligation you are referencing. Even if they did still exist, they violated the terms of the contract which would make it null and void. 

I asked them to please cease all communication with me and note on their records that I dispute any responsibility for this debt. I also requested that if you are reporting this information to a credit bureau or have already reported it, report that I am disputing this debt. 

I have not heard back from them at this time.