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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX 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 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 XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> reported on my credit by Lockhart , Morris & Montgomery , Inc . 
Amount ; XXXX I am going to send them a letter asking them why they are reporting on my credit when they are not licensed and bonded in my state ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATIONXXXX Account XXXX XXXX, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department This non qualifying inquiry is reporting on TransUnion. None of which are including a Firm line of credit, result of insurance, result of employment request, apartment application, nor court ordered by this creditor. Therefore this inquiry is inaccurate. Which is a Fcra violation for deletion within " 30 days ''. Im specifically requesting deletions for the following Inquiry on my Credit Report below. 

Delete XXXX XXXX XXXX XXXX  XX/XX/XXXX because it is a non quailing inquiry. It is not reporting with a firm line of credit attached, apartment application, employer request, insurance, nor court ordered by this creditor. Delete it Immediately! 

I take this matter very seriously, I completely understand my rights under the FCRA and that in Cushman v TransUnion ''. The courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I do trust that this matter will be handled amicably. And please send me another credit report afterwards. Thanks!
Product: Mortgage

I got a letter from Lakeview Loan Servicing that my account information was hacked when their servers had a breach. I am so tired of these places thinking they can offer you 1 year of credit monitoring just like XXXX! 

When I called them to complain about it I get put on hold and no one comes back to the phone. They had a data breach in XX/XX/2021 through XXXX XXXX XXXX  and I just now get a letter stating my information was stolen. 

This free credit monitoring is not sufficient! Their failure to have a secure location so that our information can not be breached. I was informed they have all my information and full social security. This kind of behavior can not be tolerated and allowed to toss you a year of free credit monitoring!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledgeXXXX XXXX, XXXX/XXXX  XXXX
Product: Debt collection

XXXX collection agency put this on my credit. I told them it was not mine and to remove it and they did. They sold to a XXXX collection agency who put it back on my credit, who is telling me that I have to dispute with credit bureaus. The debt is my wife 's and hers alone. They said she had XXXX ss numbers and that 's how it went on my credit.
Product: Credit reporting or other personal consumer reports

XXXXredit Collections on my Equifax Credit Report is being reported inaccurately. Account was paid in full with original creditor and not with collection agency. I contacted both original creditor and collection agency and they stated Equifax has to remove. 

How did Equifax verify account and where is the documentation that would prove this? It is a violation of the law FCRA ( U.S.C. 15 1681s-2 ( a ) ( 1 ) ( A ) and ( B ) to report " inaccurate information '' on my credit report. 

They have not furnished any documentation whatsoever and this means that they are reporting false information and just do not care. DELETE this inaccurate account IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I value your assistance in removing a portion of the data in my credit file that resulted from fraud. I have accounts that need to be taken out. According to FCRA Section 605, you are required to remove any records listed in an ID THEFT REPORT # XXXX. I have already included this report in a previous letter, and I am including it again. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any continued non-compliance. Please address the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting an inaccurate and inconsistent information in my credit report. I have disputed the inaccuracy on many occasions but Trans Union simply send me a letter that states account verified as accurate without providing me with the description of the procedure used to determine the accuracy and completeness of the information contained in my credit report as required by the FCRA. 

I have requested the description of the procedure used to determine the accuracy of this account from Trans Union on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX but have not received anything back at the time of filing this complaint. 

Trans Union is therefore in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which states : a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available
Product: Mortgage

A year ago I filed a complaint on OCWEN Mortgage company because they were denying my HAMP modification from IndyMac Mortgage. This was resolved I just finished a chapter XXXX on XXXX XXXX, 2015. I was setting up my mortgage payment to come directly out of my account for XXXX XXXX, 2015. My XXXX pension payment was not cleared from the retirement payroll so I went on OCWEN website to change my payment options at that time I saw they had changed my payment from XXXX to XXXX. My payments was approved in the Home Affordable Modification Agreement. The change of my mortgage took place within XXXX days of me setting up my account. I never received anything in writing about them changing my payments. When I called OCWEN I was told it for my escrow the reason why my payments went up XXXX dollars. If I had never went back on the website this amount would have been taking out of my account and my account would have been overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U. S. Code 1681i ( 5 ) this account is in violation of not reporting accurate.
Product: Credit reporting or other personal consumer reports

i have a car on my credit that is not mines, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, mn XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach which happened XXXX through XXXX XXXX. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit card or prepaid card

I tried to use my Bank of America MasterCard at the XXXX XXXX XXXX in XXXX, PA to purchase a {$2000.00} prescription and BOA rejected the transaction when I have approximately {$20000.00} of available credit on that card, I have used it there before, and my account has been always maintained in accordance with the terms of the card. I have 3 % cash back rewards on my MasterCard and won't get those points. I had to use my Bank of America Visa card and will only get back 1 % in cash back rewards. I spoke with Bank of America and they refused to help me with this matter. All I want are my additional reward points of 2 % or {$40.00} that they provide. I can't believe that BOA does not have the technological capability to correct this wrong. It is bad enough that I have to take a medicine that costs {$700.00} a month to stay alive and healthy, but it is embarrassing and creates anxiety to have my card rejected when I am already in a tight spot.
Product: Checking or savings account

I have tried unsuccessfully multiple times through XXXX XXXX and through America First Credit Union to have XXXX XXXX cease drawing funds from my account, yet it still continues. It has actually been so long since I first requested that something be done that I honestly can not remember just how far back this issue goes, but I'm sure if I look into my records I can find out. I'd like this issue resolved hopefully before my death so that funds do not continue to draw from my estate and continue to overdraft my account after I am deceased.
Product: Credit reporting or other personal consumer reports

XXXX : Accounts for : ** XXXX Accounts for XXXX | XXXX XXXX XXXX Accounts for XXXX | XXXX XXXX XXXX XXXX BANK XXXX XXXX for XXXX | XXXX XXXX  Account for XXXX | XXXX XXXX XXXX Accounts for XXXX | XXXX XXXX XXXX  Accounts for XXXX **NOTICE OF VALIDATION REQUEST** You are hereby in receipt of notice, per 15 U.S. Code 1692, that the above-referenced file number and alleged debt, in part or in whole, is now officially disputed. By the authority of the Fair Debt Collections Practices Act ( FDCPA ), all activities on this account must cease until resolved. I affirm that said account ( s ) contain fraudulent or incorrect information. Transactions were not incurred by me nor any person with my authority, either expressed, implied, or apparent.

You are obligated by 15 U.S. Code 1681i and 1692e ( 8 ) to inform all credit reporting agencies ( CRA ) or Credit Bureaus ( CB ) of the dispute. Further, verification, as of today, with the CBs or non-action of these requests is in violation of the FCRA and the FDCPA and is subject to fines.

Verification and validation are demanded. Verification and validation are very different terms and ideas. Verification is making sure one actually owes the debt, see *Chaudhry v. Gallerizzo, 174 F.3d 394 ( 4th Cir. 1999 ) *. The definition of verification according to Blacks Law Dictionary is " ... averment that the party pleading is ready to establish the truth of what he has set forth. ... The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true ... '' The court said " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. *McDonald XXXX XXXX XXXX XXXX XXXX XXXX, XXXX N.E. ( XXXX ) * ; and *Summerfield XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX Fed. XXXX ( XXXX ) * ; and *Patterson XXXX XXXX XXXX XXXX App. XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX ). * Validation is for disputing a debt, stopping account activities until the debt has been confirmed, see *Spears XXXX XXXX XXXX XXXX N.E. XXXX XXXX XXXX. App. ( XXXX ) *. The definition of validation according to XXXX XXXX XXXX is assessing an action to determine it is complete, correct, implemented, and delivering the correct outcome. XXXX states it as to check or prove the validity or accuracy of something ; XXXX says XXXX to show the existence or truth of, by evidence. 

**II. VERIFICATION AND VALIDATION REQUIREMENTS** The demands are, but not limited to : XXXX ) I invoke the Truth in Lending Act per XXXX XXXX XXXX XXXX, and thereby demand the afforded right to know who the true party of interest XXXX Accounts for XXXX | XXXX XXXX XXXX  Accounts for XXXX | XXXX XXXX - XXXX XXXX XXXXXXXX XXXX for XXXX | XXXX XXXX XXXXccount for XXXX | XXXX XXXX XXXX Accounts for XXXX | XXXX XXXX XXXX Accounts for XXXX in these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : The XXXX reported as past due is an error on XXXX XXXX part. All excess liability was paid for by my GAP insurance coverage purchased from XXXX XXXX, as confirmed by a document received by them in XX/XX/XXXX. ( 1 ) This has resulted in continued threatening action and misrepresenting the status of the debt which was paid in full in late XX/XX/XXXX. Reported as active collections on both XXXX and XXXX for a total of XXXX and as a revolving account to Experian, with a past due payment of XXXX. ( 2 ) XXXX XXXX misrepresented the type of debt, causing the most harm to my report and score. This represents a lack of good faith effort to ( 3 ) Consistently report the same data to all bureaus ( 4 ) Affirms there was no review of my file in validating my debt to bureaus, disputed multiple times since XX/XX/XXXX ( 5 ) With the outcome of a detrimental mark on my credit report for years as a result of their error when my account was paid and closed in good standing over 4 years ago.
Product: Debt collection

Midland Funding sued me where I did not live on XXXX alleged accounts they say I owe. They sued me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I live in XXXX XXXX over XXXX miles away. I gave them my address and contact information, however they continued to pursue the suit in XXXX XXXX. It was n't until I informed them that I would exercise my right under the Fair Collections Act did they finally drop the suite in XXXX XXXX. They knew of my address long before they filed suit in XXXX XXXX and even used a XXXX lawyer that was located less then XXXX miles from my home to process the suit in XXXX XXXX, even though they have many lawyers in XXXX XXXX that handle local lawsuits for them. They were hoping I would not notice the lawsuit and I would n't have noticed if it was n't for a local lawyer soliciting his services to defend me and informed me I was being sued by Midland Funding. I have denied this debt to them and even sent them a validation letter once I got word of the suit. They never notified me of the this debt prior to filing these suits as well as filling it in the wrong county XXXX miles from my residence. The following alleged accounts they say I owe include ( XXXX ending XXXX ) and ( XXXX XXXX ending XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2020. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting any lates on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report ; list of accounts and spreadsheet. ) XXXX XXXX XXXX out of XXXX, Georgia is currently in a class action lawsuit for not keeping promises made to students. They guaranteed they would assist in finding work after graduation, providing externships, and if needed, the college would provide additional education. I never received my Certificate for completing the program and the college has since lost its accreditation, has been closed, and consequently my education is completely worthless. ( I have attached one of numerous articles relating to the misrepresentation from the college for reference. ) I have on multiple occasions tried to reach the college however, the office is closed and there is no forwarding telephone number or address. The false reporting of lates on these student loans is seriously harming my credit score and these line items need to be removed from my credit report. I have also tried contacting the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

On XX/XX/19, I was notified my card was used for three transactions at XXXX XXXX XXXX XXXX. I dont know the declines transaction amounts, but the one that USAA processed was for {$180.00}. I replied to their notification, and I had to call. 

They closed my card and issued a new one. However, I not sure they submitted a claim. I did not receive notice of claim. The transaction had since posted to my account. I was told they will review and state will adjust if necessary within 5 days. 

I was on hold for over an hour, and the customer service was horrible.
Product: Mortgage

I purchased a home in XXXX and my mortgage was transferred to Citizens Bank. Since that time, I have spent collectively more than 10 hours on hold with this company trying to get access to my mortgage and account information. First, I could not enroll in online banking and could not get information on my mortgage payments and escrow accounts. In XX/XX/XXXX, after more than three days of calling and more than 6 hours of collective hold time, I was finally able to get an online account established so that I can access certain information. However, I still can not get an answer to why my tax forms have not arrived when they were supposed to be mailed before the end of XXXX and I can not access them electronically. Each time I call, I spend more than an hour on hold before getting through to a person, who tells me they must transfer me. They will then transfer me to another hold, where I either spend an hour more on hold or where the call is dropped, i.e. they hang up on me. I can not file my taxes without this information, and I have had to miss work to make these calls as they are only available for customer service on mortgage issues between XXXX a.m. and XXXX p.m. when I also work. They are an XXXX XXXX bank and I am located in the XXXX so I can not physically visit a bank, and their only other contact options are by phone. There is no email or chat option currently available, and so I am literally without any other options to access these documents other than to call and spend hours on end listening to their hold music.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized access to my student loan records, violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). My educational records, including student loan details, have been accessed and shared without my knowledge, consent, or notification, which is a direct violation of XXXX. 

Under XXXX, my educational records can not be disclosed without my explicit written permission, except under specific lawful exceptions, which do not apply in this case. Additionally, under FCRA 1681b, credit information can only be accessed by authorized parties with a permissible purpose. The unauthorized review and use of my student loan data under the XXXX administration have resulted in potential misuse, unauthorized disclosures, and inaccuracies on my credit report. 

I demand a full investigation into who accessed my records, the purpose, and any breaches of FERPA and FCRA regulations. I also request immediate corrective action, including the removal of any improperly reported student loan data.

Please provide a written response detailing your findings and next steps.
Product: Debt collection

Attempting to collect my social security XXXX XXXX  for my long term insurance company XXXX XXXX. I haven't received back pay and I have explained it to them but they said my benefits may be cut if they don't get the money. I don't have it. XXXX XXXX also suggested I get my wife an increase in XXXX so they can cut my benefits.