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

XXXX XXXX XXXX XXXX Dear Equifax, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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.

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. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXXXXXX
Product: Checking or savings account

About XXXX weeks ago bank put a hold on some funds & then the next day released the funds but put a new hold on other funds. The next day the released the hold but locked my account & as of now only see that there is a XXXX balance & when I got a number of someone to speak to I was told that the is a recall on funds & therefore other than sending my balance to a customer There are no other choices. 
I already sent customer product & will not send them money as well.
Product: Debt collection

This complaint is based on violations of the FDCPA and the FCRA by the Respondent. 

___ XXXX XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ XXXX XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I requested the materials in the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name and address of the creditor, or the amount owed. 

___ XXXX XX/XX/XXXX, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ At the end of XXXX of XXXX, I received the results of the investigations from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ).

___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection while failing to validate the debt.

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.
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. 
ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXX  ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference CFPB Complaint ID XXXX Date XX/XX/19 Since the last complaint I have provided MobiLoans with a Police Report and FTC ID Theft form, regarding a fraudulent account set up in my name. Also, I submitted a notarized MobiLoans ID Theft form to them. Mobiloans, knowing the account was in question, and in possession of all these previously mentioned documents, MobiLoans preceded in bad faith to hit my XXXX  Credit report with a 30 days past due notice which is unfairly affecting my credit score. This is not my account or my debt. The account was created by an Identity Thief. Mobiloans needs to acknowledge their mistake and immediately remove the 30 day past due notice from my credit reports.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE REQUEST This complaint has been ongoing for over 2 years. XXXX XXXX XXXX XXXX has continued to report an open account with a balance due. This auto loan was included and XXXX in a XXXX XXXX XXXX  I have reached out several times and provided all supporting documents to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is in violation of the XXXX laws. I have contacted my attorney and they have got involved. I have disputed this account to be remove completed and deleted from my credit reports since XXXX This account was included in my XXXX XXXX XXXX and they have received several correspondence from me and CFPB they have ignored the laws that are in place. I have an attorney and Im moving forward to pursuing statutory damages due to the fact that you violated the FCRA Laws. Attached will be our final documentation that XXXX XXXX XXXX XXXX needs to remove and delete XXXX XXXX XXXX loan tradeline from all credit reporting agencies within XXXX days from the date of this dispute
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to display a dismissed bankruptcy on my credit file .The fair credit reporting act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings.Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law. 
Therefore, pursuant to section 1681 ( c ) ( 5 ) of the FCRA, it must be deleted from my credit file.
( SEE ATTACHED LETTER )
Product: Credit card or prepaid card

I've been struggling with my target red card for years now, XXXX I took a loan to pay them off finally 270 and they are now saying that the 15 dollar amount that I closed my checking because of the amount of trouble they have caused me and that account. Prompting me to pay the balance. So because I paid it. They are trying to get over the paid and owed balance. They are saying that I owe them 44 for a canceled check. They were not able to get a dime more than the 270 I've owed for years. Not only did they have the account closed 2 years ago and mess up my credit history and numbers 70 points at least all together. They have reported 2 late payments to the bureaus and XXXX after I paid the bill to 0 I got hit from each credit bureau saying that they were in agreement with the balance paid off and 0 liability that we had any more business to do not only this after I paid it off I called Target and confirmed this with them they said no no yep you're good you have a zero balance and now they're coming up with this I want to sue them so bad please look into this
Product: Money transfer, virtual currency, or money service

Before XX/XX/XXXX I submitted a request on XXXX  website stating that I was having issues selling my bitcoins because my account was restricted. On XXXX XXXX I received an automated response in which it stated that it may take several days to respond. I waited a week and received no response to which I submitted another more detailed request to which I received another automated email on XX/XX/XXXX. The email stated that account lockouts and delayed payment or orders are there current priorities and if I am suffering from this issue that I need to respond to the email. Since I am experiencing an account lockout I responded and made a very detailed description and a screenshot of my issue to which I received no response. I am still unable to access my money.
Product: Mortgage

WE ENTER INTO LOAN MODIFICATION ON XXXX MORTAGE WITH BANK OF AMERICA IT WQS MADE XXXX ON XXXX WE HAVE NOT MISSED A PAYMENT. XXXX WEEKS LATER WE GOT A ANTHOER SET OF THE SAME PAPERWORK HAD DONE BEFORE IT WAS ACCEPTED, MIND WE DID THIS 4 TIMES BEFORE THAT DAY IT WAS MADE PERMANMENT. I CALLED MY CASEMANGER XXXX XXXX SHE SAID IT WAS A MISTAKE AND THE PROCESS WAS DONE SINCE THE BANK SIGNED OFF ON IT SHE SAID DO N'T DO ANYTHING I RECIEVED A FROM HER XXXX WITH THE SINCE IT WAS ACCEPTTED I NO LONGER HAVE A CASE MANGER. WE HAVE NOT MISSED A PAYMENT BANK OF AMERICA IS NOT CEDITING MY ACCOUNT OR REPORTING MY PAYMENTS TO CEDIT BUREAU MY CEDIT REPORT SAYS I 'M NOT PAYING AND BOA SAYS I HAVE TO GO THROUGH THE WHOLE PROCESS AGAIN. I MADE MY PAYMENTS EVERY FOR ALMOST 2 YEARS AND NONE OF IT HAS COME OFF THE BALANCE. I WHEN THE HOME OWNERSHIP PROFRAM XXXX AND XXXX XXXX XXXX TRIED FOR 1 HOUR TO SPEAK WITH SOMEBODY AT BOA AND GOT NOWHERE HIS PHONE NO. XXXX XXXX HE TOLD NE TO FILE THIS
Product: Debt collection

Credence Resource Management representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 3 months. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$810.00}.
Product: Credit card or prepaid card

I just got a letter stating that First Merchant Bank Cardmember Service has closed out my account without my permission or without notifying me first by phone. When I called them as soon as I got the letter I found out they called the wrong phone number. 

I have attached the letter I have received.
Product: Credit reporting or other personal consumer reports

This is to follow up despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$620.00} XXXX  XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} IL XXXX  XXXX Balance : $ XXXX. Charged Off : IL XXXX XXXX Balance : {$2400.00} IL XXXX  XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX : {$870.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} IL XXXX  XXXX Balance : {$0.00} IL XXXX  XXXX Balance : {$2400.00} IL XXXX XXXX Balance : {$9700.00} IL XXXX  XXXX Balance : {$920.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed credit inquiries : XXXX XXXXXXXX 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 Disputed address : XXXX XXXX XXXX XXXX XXXX XXXX, AKXXXX
Product: Debt collection

Identified accounts on my credit report that seem inaccurate. Request immediate removal of these fraudulent entries.
Product: Debt collection

I received a potentially fraudulent letter in the mail from this law firm. Apparently HUNDREDS of other people have as well, and they have hundreds of complaints listed on the XXXX website from people complaining about the same fraudulent tactics. How does this firm still have an XXXX XXXX XXXX rating with the XXXX? Ridiculous. Here 's the email I just sent to them, which includes the details : " I received a " WARNING : YOUR LICENSE MAY BE SUSPENDED '' letter in the mail from your firm, claiming that I owe {$380.00} to XXXX XXXX XXXX XXXX of 2019. First of all, I was nowhere near XXXX the entire month of XX/XX/2019. I keep immaculate records in my calendar. Second, I did a search for the citation number you gave me on the XXXX XXXX XXXX Your citation number isn't even in the proper format. I also did a search for open citations based on my name ; none could be found. Therefore, I immediately demand you provide me with proof of this supposed citation, including the make/model and license plate number of the vehicle, the exact date and time of the infraction, and any other supporting information you have available. I will, in the mean time, be investigating your firm for a possible fraud report to the CFPB and XXXX Attorney General 's office. Good day. '' I would like you to investigate this firm thoroughly and if possible file a criminal complaint with the XXXX of Florida. Possible class action. I have already filed a complaint with the XXXX Case number is XXXX XXXX complaints : XXXX XXXX XXXXXXXX Over XXXX reviews, and they have XXXX out of XXXX stars and it looks like at least some of the ones who are over XXXX star are mistakes.
Product: Debt collection

I had a loan two notes behind. I have been sick for the last 2 months. I went and talked to a manager and was given forms to take to the doctor and my job. The company calls my cell number at least 20 times per day. On X/X/2018 a manager name XXXX came to my home after I had been at the office picking up XXXX papapers that Friday prior. They are constantly harassing me.
Product: Checking or savings account

epetitive Baseless phone calls and Delay tactic letters. No form or sense of a resolution. This is a continuing issue by Wells Fargo stemming from XX/XX/XXXX, perhaps the company 's most notorious scandal, Wells Fargo employees were caught creating millions of savings and checking accounts for customers without their knowledge or approval after being pushed by their superiors to cross-sell products. Wells Fargo state that " We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXX, GA XXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. Unaddressed Past Issue : Incorrect : Our Firm does not and have not opened a Business Market Rate Savings account ending in XXXX opened on XX/XX/XXXX, and closed on XX/XX/XXXX, due to no customer-initiated activity for XXXX days. Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date.. Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date..
Product: Credit reporting, credit repair services, or other personal consumer reports

close to End of XXXX of XXXX I asked the details about the process at Lexington Law Firm... just as they advertised on the phone that it takes 90 day to get things removed. said they are 100 % sure they can take care of this for me. I informed them i need this done in 6 months during that time frame I fixed my one of my reporting on my own i informed them and they asked me to send the paperwork to them. Next thing you know i get an email saying THEY had success removing an item of my credit report. and listed the one I sent to them in the first place. I paid {$120.00} per month for 6 months straight with ZERO Success on their part. All lies. I than read the review, it was 3.2 on XXXX. i spent money on and expecting ANY type of results which I never got. I disputed the item in XXXX and they reached out to give me one month free RE Explained the process to me, which by the way was totally different they what they first told me. At this point I was just fed up. I have went back and forth with them never being able to talk to an ACTUAL ATTORNEY. instead the paralegal who have no idea what they were doing. Now my bank says its past the 90 day so they refuse to help me and thus why I am reaching out for help. I spent {$770.00} not including XXXX ( free month ). My credit score is still the same, no changes. i have attached the reports showing XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - its still the same. ZERO CHANGES. I work hard for my money and I had been so let down by a company who I was not even allow to talk to an actual attorney. I was so let down by them and taken advantage by. I don't know what more I am capable of doing to resolve this.