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

I am writing to formally request the blocking and deletion of a fraudulent account listed below from my credit report. I am a victim of a data breach, and this account was not authorized by me.

Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have this fraudulent entry removed. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : CFPB Complaint Regarding Continuous Contact and Request for Forensic Audit To Whom It May Concern, I am submitting this formal complaint against [ Debt Collector 's Name or Accord Debt Collectors ] regarding their continuous and unlawful contact concerning the debts in question. Despite my requests for cessation of communication, I continue to receive unsolicited correspondence from them. This ongoing contact violates several laws, including : Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : The FDCPA prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 
Michigan Compiled Laws ( MCL ) 445.251 et seq. : These laws specifically govern debt collection practices in Michigan, providing protections against abusive or deceptive practices. 
Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481 et seq. ) : This Act aims to ensure that consumers are treated fairly and that they have access to information regarding their debts.

Additionally, I request a forensic audit of the transactions related to these debts, along with the release of information regarding any insurance claims or bonds filed to cover these debts. I also seek clarification on whether any UCC claims have been filed to establish ownership of the debt.

My UCC filing and Security Agreement cover all future debt obligations as described in the UCC collateral provisions. Therefore, I respectfully demand that the debt collector refrain from any further communication with me, as such contact may constitute legal trespass and could lead to equitable remedies regarding the charges in question.

Furthermore, I require disclosure of the insurance company involved, as well as any claims that may have been filed against said policy.

Please ensure that this complaint is addressed promptly and in compliance with the relevant federal and state laws. Thank you for your attention to this matter, and I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$160.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX BalanceOwed : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$160.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of 2020 of this year showing I was LATE as I have NEVER been late. XXXX  XXXX XXXX  # XXXX Please correct payment history as it not reporting correctly. 

I was not late on the this account. Please PROVIDE PHYSICAL VERIFICATION OF LATE PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ALLOWED A FRAUDULENT INQUIRY TO BE MADE ON MY EQUIFAX CREDIT FILE IN XXXX 2017. I SUBMITTED A FORMAL COMPLAINT & AFFIDAVIT ( INCLUDING A COPY OF THE POLICE REPORT I FILED ) TO XXXX DETAILING THAT AN INQUIRY WAS MADE ON MY CREDIT FILE WITHOUT MY AUTHORIZATION. XXXX HAS NOT RESPONDED TO MY COMPLAINT NOR REMOVED THE INQUIRY FROM MY CREDIT FILE.
Product: Checking or savings account

On XX/XX/2022, ,Spoke With, XXXX XXXX, XXXX ( XXXX XXXX,, to Address A Few Issues,, Moving Forward About A W2 1099 Tax Form, And A Identity Works, ,He Didn't Really. Explain What The Plan Really Offer, ,Hr Lied To Me About This Plan, ,He Did Tell Me 3 weeks go That This Plan Pays Additional Fees To Me Too From Wells Fargo Bank , ,He Lied Again,,, I'm Very Upset About This Issue, ,Again I Think Wells Fargo Bank Could Still Offer More Money To Me They Didn't Care At All, ,So UnAcceptable Business Practices,,,
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed inquiries below are what needs to be removed from my credit report : AMERICAN HONDA FINANCE (XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is not my Account and is fraudulent. 
Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount -
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX INQUIRY : XX/XX/XXXX : XXXX XXXX XXXX  INQUIRY : XX/XX/XXXX : XXXX XXXX INQUIRY : XX/XX/XXXX : XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY XXXX XX/XX/XXXX : XXXX XXXX INQUIRY XXXX XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Debt Request for Validation Dear Credit Collection Services, I am writing to formally dispute the alleged debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including the following : 1. Verification that I am legally responsible for this debt.

2. A detailed account statement showing how the amount was calculated.

3. A copy of the original contract or agreement with my signature.

4. Proof that your agency has the legal right to collect this debt.

5. The name and contact information of the original creditor.

Until this information is provided, I request that you cease all collection efforts, including reporting this debt to any credit bureaus. If this debt is found to be inaccurate or unverified, I expect it to be removed from my credit report immediately.

Additionally, if you attempt to report this debt without proper validation, it will be considered a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). In that case, I will consider pursuing further legal action.

Please provide all requested documentation in writing to the address listed above within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX
Product: Debt collection

I cancelled my service with XXXX XXXX for several reasons, one of which I paid every month for a " very fast internet speed '' only to find out I was n't actually receiving anywhere close to the speed I was paying for. I continually called to complain not only was the service slow, many days I had no internet service at all. Upon cancellation I was instructed to take all equipment to XXXX and ship back to XXXX. I did this within 4 days of cancellation. I also called XXXX after I obtained a tracking number from XXXX and gave it to the representative. Three months later I received a collection notice and several very rude calls. Once again I gave them the tracking number and was told it was taken care of. ( At which time I made the mistake of discarding the receipt from XXXX because I believed it was taken care of ) In XXXX, 6 months later I received another collection letter indicating the debt had been reported to the XXXX credit repositories as a collection account. I called the number on the collection agency statement. Not only was it an automated system, there was no way to speak to an actual person. I called repeatedly and tried every single " press # '' if ... scenario. Every single time the system hung up if I did not select " make a payment ''. At no time was it possible to speak to a person. Now I have a collection account for {$200.00} on my credit with no way to contact the collection agency. I am in the mortgage industry and review credit reports daily. XXXX has a very bad business practice of reporting collection accounts and now I understand when borrowers truly have no idea they had such collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citicards Cbna is reporting a late that I do not owe. I paid this online and was not informed that the payment did not go through, this late is not my fault. I would like for this to be removed off of my account.
Product: Mortgage

I have a mortgage with Freedom Mortgage and back in XXXX I was going thru a custody battle with one of my child 's fathers in which I was court order to go to mediation. This required me to use a whole pay check ( had to bring cash ) to pay for it. XXXX dollars plus I incurred more lawyer fees which set me back and I have struggled to catch up. I called to make arrangements and explain my situation to the mortgage company. A friend of mine told me to ask for a modification. At no time did anyone tell me about FHA loans and the partial payment. I began sending the information they requested in XX/XX/2017. I continued to make payments as I was able to. I also took on a part time job in XXXX to help bring up my income. I sent in a letter of hardship and other documents and since then I feel as if they have been giving me the run around. There is always something missing and I swear I have filled out the XXXX form and sent at least 5 times. I now sent them a check for XXXX dollars as of XX/XX/XXXX I owed XXXX the XXXX was sent in XX/XX/XXXX and I called and told them the rest will be coming on my next pay day and they still have to cash my check and have now sent my loan to foreclosure. So now I am occurring attorney fees as well. I am a single mom of XXXX children and I very much want to stay in this home. I was going thru a hardship one that I think should of qualified for the fha partial claim money. I want to have this looked into as soon as you can. Thanks so much,
Product: Checking or savings account

My wife and I both opened checking accounts with US Bank in response to a promotion they had on their website. The promotion appeared on " usbank.com/openchecking '' but the page has since been removed. We opened the accounts and confirmed that we met all requirements. When I called the first time and asked when the {$300.00} welcome bonus would be deposited into our account, I was told that it was up to 90 days from opening the account and to check back later. The payment never posted. I called again and was told that it was 90 days from the final required direct deposit was made, and I should check back later. The payment still never posted. I contacted customer service again to ask why this was the case, considering I clicked the link directly on the website to open the account, had the promo code in place, and opened the account with no issues. I was assigned a person to help me, XXXX XXXX, who then relayed information between me and their " promotions team '' We have spoken three times on the phone ( originally I was told that this would be resolved in XXXX business days, but it has been 3 weeks since XXXX was assigned to the case ). XXXX recently left a voicemail stating that I was ineligible for the promotion since I did not receive a direct offer in the mail ... what? I signed up on the website with their promo code?? This seems like complete nonsense and I feel cheated out of {$300.00}. Same exact thing applies to the account that my wife opened up.
Product: Credit card or prepaid card

I was granted both a bank account and credit card by XXXX XXXX. A {$350.00} charge was declined at my doctor 's office and since then my card has been restricted. I have called XXXX XXXX countless times and been told it is " under review '' every time. I have been offered call backs by a manager about 5 times ( or more ) but never received one. This has now been going on for around 2 months.
Product: Debt collection

On XXXX XXXX 2014 I came to an agreement with XXXX with XXXX XXXX to pay a total of {$900.00} at {$50.00} a month. Agreement number XXXX. By XXXX XXXX that debt had been sold to Pinnacle Credit Services, who placed it with XXXX and XXXX. XXXX and XXXX has drafted {$50.00} out of our account every month since. Pinnacle placed something on our credit report. Today when I called to verify the balance, I was told there was no payment agreement and the balance was {$720.00}!
Product: Money transfer, virtual currency, or money service

I think it was wrong to permanently limit or closed my account and hold my money. I used this account for my online business and transaction like online jobs though I wasn't able to do transaction often in the past. I have {$39.00} on hold. Theybsend an email that theybhqve to hold it for 180 days and I can not receive or send money uaing my account since it was permanently limited to do such. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the handling of my several dispute and the subsequent removal of inaccurate items from my credit report. 

Despite my persistent efforts to dispute erroneous items on my credit report, the credit reporting agencies have failed to rectify the inaccuracies. This marks the several dispute attempts, and yet the incorrect information remains on my credit report, adversely affecting my creditworthiness and financial standing. 

Specifically, I have identified the following inaccuracies that have not been addressed : I have provided ample evidence to support my claims, including documentation of timely payments and communication with the credit reporting agencies. Despite this evidence, the inaccuracies persist, and I continue to face unjust repercussions as a result. 

I request that you intervene in this matter to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). This includes conducting a thorough investigation into my dispute, removing any inaccuracies from my credit report, and providing me with a corrected copy of my credit report. 

Furthermore, I request appropriate restitution for any damages incurred as a result of the credit reporting agencies ' failure to correct the inaccuracies in a timely manner. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 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: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I Had 10 fraudulent charges on my account totaling over XXXX dollars. I filed a claim as 9 days later I received a credit. However Wells Fargo knowing my Debit Card was being used by someone other then myself never canceled or changed card numbers. Now my card has been used again without my permission for an online gambling site. I have used this site in the past however these charges were not authorized by me. I believe these fraudulent episodes in the month of XX/XX/XXXX were related and could have been completely avoided if Wells Fargo would have canceled my debit card number after the first fraudulent dispute I filed on XX/XX/XXXX I believe. I now have to go through this entire process again because Wells Fargo did not handle this correctly and help prevent this.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis refuses to provide documentation they rely on to report an inaccurate bankruptcy they allege is mine. Last request was to provide identity documentation which was provided to them on XXXX.
Product: Mortgage

My servicer, Fay Servicing, failed to inform me that they were transferring my loan to XXXX XXXX within 15 days. In fact, I still have not heard from them. And the company they sold it to, Florida XXXX XXXX, did not inform me in a timely fashion. I only received their letter on XXXX/XXXX/16 when transfer was to take place XXXX - XXXX/XXXX/2016.
Product: Checking or savings account

I called Huntington Bank today to close my account but they refused to close it saying I needed to come into a branch. I opened my account online and do all my banking online. It is unreasonable for Huntington to require me to appear in a branch to close out a checking account.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires on my XXXX, XXXX and XXXX credit reports on XX/XX/year>! I would like these items removed. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm victim of identity theft, my personal information has been stolen, I have sent numerous times dispute letter to credit Bureau and they didn't fix my problem. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.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. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I have attached a copy of all supportive documents for my statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a FTC dispute letter and proof of identity to XXXX XXXX and Transunion on XX/XX/2022, they received this information on XX/XX/2022 and I have yet to be informed about the status of the accounts in question. According to the FCRA these fraudulent accounts should have been removed from my credit report within 4 business days and I actually allowed them 5. The accounts are as follows XXXX XXXX {$0.00} Balance, XXXX XXXX {$0.00}, DEPT OF EDXXXX {$4500.00}, DEPT/ED XXXX {$8100.00} XXXX DEPT/ED XXXX {$2900.00} XXXX Included below is my FTC Report, Dispute letter to each bureau and the method I sent it, over night for transunion and XXXX and via fax for XXXX
Product: Debt collection

On Friday XXXX XXXX 2017 I reached out to Pro Collect debt collection agency to pay off a XXXX debt that was showing on my account. Prior to this I was applying for an apartment however upon submitting the application I was instantly denied due to have XXXX broken leases. When I first reached out to Pro Collect they informed me that I had XXXX accounts in collections one for the XXXX which was {$1000.00} and one for the XXXX for {$500.00}. So when I contacted Pro Collect on XXXX XXXX 2017 I clearly informed the representative that I was only going to pay the {$500.00} plus {$7.00} fee to process the order so that account would show as paid. She asssured me several times that once I paid the amount of {$500.00} that the account for the XXXX would be removed and I would receive a confirmation email within 72 hours. I paid the amount and was even given a confirmation number. By Tuesday XXXX XXXX 2017 I had not received any sort of email confirmation. So I once again called back to Pro Collect and the next representative informed me that my account was not showing as XXXX separate accounts and that the amount had to be paid in full for me to receive any confirmation email that my account was paid in full. Even though I did pay {$500.00} the XXXX account is still showing in collections and in order for me to have it removed I would have to pay the {$1000.00} in order for the XXXX account to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint once again to request to the Credit Reporting Agencies to reinvestigate the disputed accounts completely from my Credit File. Under the Fair Credit Reporting Act, the Credit Bureaus are required to correct and or remove the disputed accounts that are reporting erroneous information on a consumer 's credit file. I have been submitting multiple dispute letters to the 3 Credit Bureaus and the last dispute letters I sent was XX/XX/2022, to correct these suspicious information. I think that the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them in the event the Credit Bureaus do not comply with the Federal regulation. These accounts were already included in my prior COMPLAINTS, and I'm including it again : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00}.