23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/year> Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions.

I demand the following collections entries to be deleted : Midstate collection I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within XXXX business days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm composing this complaint to JPMCB. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to remove unauthorized inquires on my credit report which I didn't unauthorize. Equifax states that they request, the company to send Equifax a response to my dispute and update their records and systems as necessary. Equifax hasn't sent me any proof of verification this accuracy. Equifax has sent me an email stating their systems has been breached but yet tells me their information is correct, The company states when the reporting company replies to Equifax they certify that they have followed Equifax instructions and the law. I request Equifax to provide proof that I applied for any of these unauthorized inquires on my credit report. Please verify the following XX/XX/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 I have fraud alert and and froze my credit report after I have been informed by my bank of these inquires. I don't understand how Equifax states it's been breached but yet tells a consumer that their information is correct. Which in fact it's not accurate! this is fraud period and unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/2021.
Product: Vehicle loan or lease

The loan was obtained under my maiden name XXXX XXXX XX/XX/23 - We had a used vehicle loan with BMO Harris Bank that had a payoff amount of {$3200.00} which we paid online that day. We received an error message upon submitting the payment, so we called customer service. The individual on customer service confirmed the online payment did not go through and manually processed a payment of {$3200.00} ( different amount due to accumulated interest from 1 day ). After a few business days, both payment described above were deducted from our account ( please see attached bank statement ). 

XX/XX/23 - We called BMO customer service. They confirmed that there was a double payment and that they will send us a check for the refund for {$3200.00}. We were told to call back in 4 weeks if we had not received the check. We confirmed our address. 

XX/XX/23 - We called BMO customer service three times. The first time, the customer service rep was adamant there was no overpayment. After asking him to escalate to manager, he hung up on us. Second time, the customer service rep said they do not handle overpayments and were instructed to call the dealership where I purchased the car. The third time, the customer rep told me to call the DMV where the car was registered. 

XX/XX/23 - After confirming that both the DMV and car dealership were the incorrect avenue to obtain the overpayment, we called BMO back and were transferred to the resolution department. A resolution specialist, XXXX XXXX, confirmed once again that there was a double payment. She submitted a case for us ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). She also asked us to fax our bank statement showing the double payment ( Fax XXXX XXXXXXXX XXXX XXXX ). She told us to follow up in 4 weeks if we hadn't received a check in the mail. She confirmed our address again. 

XX/XX/23 - We still had not received a check in the mail so we called BMO again. We were transferred to the loan department and spoke to XXXX. She confirmed with the account team that a check was sent XX/XX/23 but to wait one more week to call back as they want to allow for 30 days before putting a " stop payment '' and resend a new check. 

XX/XX/23 - We called BMO and were transferred to the loan department where the individual was adamant that there was no double payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX have 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.
Product: Mortgage

I have a VA loan with Freedom Mortgage and I am selling my home. I am doing an assumption with the buyer who is a XXXX as well. Freedom mortgage is has taken well over the 60 to 90-day time period they claim it takes to do an assumption. I am stuck with no home now because they are refusing to move faster to close my assumption to the new buyer. This was supposed to be closed at the end of XXXX and now its looking like it may not even close at the end of XXXX. There inability to close the assumption is now costing me XXXX of dollars, because I have to temporarily rent a new home and continue paying on my current mortgage. This should be illegal and someone should have to pay for this injustice. Also, everytime I call, the representatives who answer the call say they can not help me and they put in a request for an assumptions representative to call me back and tell me it will take 2 business days. Its been 5 business days and nobody has called me back. I also called them on day 3 and day 5 and they keep saying they are elevating the issue. This is the third time I've requested a call back with nobody from the assumptions department reaching back to me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX  XXXX, and ARS Report  and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, XXXX, and ARS consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy. 
8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, XXXX, and ARS report. Specifically, I ask that : XXXX. XXXX, XXXX, and ARS provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and ARS corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and ARS report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Report Bureau failed to show in my credit report account the permanent closing of the following credit cards accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 

I have contacted this agency many times this month but my credit report shows having credit with all of the above names which is incorrect.
Product: Credit reporting or other personal consumer reports

This reporting is illegal and your company is in clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( XXXX XXXX  ) making the report. 

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( XXXX XXXX  ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and I. 

XXXX XXXX, Equifax, XXXX and XXXX ) HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.
Product: Debt collection

Portfolio Recovery Associates is reporting a debt/ negative account on my credit report. 

I sent them a letter ( attached ) certified mail that was received on XXXX/XXXX/2015 ( attached ). In my letter I stated that this debt does not belong to me and I also enclosed a copy of my drivers license and social security card ( attached ), to show that it does not belong to me.Since I know that I have never opened anything with XXXX XXXX. I asked them to verify the debt instead of doing such they responded by telling me, I never responded to their previous letter that I send additional info and they are now closing my dispute? ( attached ). Which I never received such letter. 

1. The debt does not belong to me. 
2. I sent this company proof of who I am. 
3. This company did not respond to anything I asked in my letter or take the time to verify the debt instead they close the dispute?
Product: Credit reporting or other personal consumer reports

I'm Looking at my personal credit report and noticed fraudulent hard inquiries on it. I want to remove these fraudulent inquiries as soon as possible. 

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 XXXXXX/XX/XXXX
Product: Debt collection

In XXXX I was served for collection on a repossession. The debt was charged-off and sold to Autovest, LLC. I went to court, and worked out a payment arrangement with the creditor 's attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), so a judgement wasn't granted or entered in the court. I was paying on the payment plan for several months until I defaulted in XX/XX/XXXX. 

The creditor 's attorney sent me a letter, appearing as if it was responding to a judgement. The letter is on the county court format, and states " Notice to Judgement Debtor Pursuant To Section 24-33.5-704.3, C.R.S. '' The form is dated XX/XX/XXXX, but it states " This form is applicable until XX/XX/XXXX, unless extended by the Administrator to a date not later than XXXX, XXXX, XXXX '' I feel like the creditor is trying to intimidate me, or scare me into thinking that a judgment has been issued, but I contacted the county court and they have no record of the case number. Additionally, I did a statewide public record search, and checked my credit reports, and there aren't any judgements in my name.
Product: Credit reporting, credit repair services, 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 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 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 vears.

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 card

On XXXX/XXXX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XXXX/XXXX/XXXX and spoke to a customer service representative and a manager. I asked them for the reason why my account was closed without any warning and they basically just repeated what the letter had stated and that they could not provide any more details. I told them that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$1500.00} if they are redeemed towards travel expenses such as hotels, airfare, etc. I was travelling to XXXX in XX/XX/XXXX and XX/XX/XXXX. Had planned to use my points for travel during that period. But they cancelled my card while I was in XXXX and hence could n't use Barclay card during my international travel at all. I am unhappy with the way that they have closed my account. I have never ever been late on making payments and keeping outstanding balance well within my credit limit. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning. I was planning to downgrade my card to basic one anyways but they said there was not a way to do so and they would not even refund or compensate for my points that I accumulated for my international travel, which is what they point out as best benefit associated with the credit card to begin with. Its very unethical and rude on Barclay 's part and caused huge discomfort as I had planned to rely on them for the duration of my stay in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently had an account show up on my credit report and the credit bureau was asked to verify its validity sent a correspondence on XX/XX/2020 the matter has not been resolved and the dispute has been open since. For XXXX, TransUnion and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by my bank Wells Fargo that My account had some charges that came off as fraudulent. I confirmed they were not authorized and from then on Had to visit a branch to restrict/Suspend all accounts, Credit cards, and Online Banking with Wells Fargo . Assuming they were all frozen-on Saturday XX/XX/XXXX I received an email stating I had enrolled in online banking, opened a new checking account, opened a new loan and did a cash advance which was transferred to the new fraudulent account. Which was then XXXX out to an XXXX XXXX Phone Number XXXX. I quickly called the bank and told them I was told everything would be frozen. They notified me that some accounts didn't have the proper restrictions on them. From there I realized Wells Fargo was irresponsible and this was spreading like wild fire. They were also able to call in and change my KYC info over the phone just because they were able to verify my social which was compromised. I installed XXXX XXXX I have a service enabled on My XXXX XXXX Mobile App called XXXX XXXX which monitors your credit. On XX/XX/XXXX I was notified that a new credit card was applied for and my credit had been pulled. I found out that someone had gone in to an XXXX store in XXXX, CA and applied for a XXXX XXXX credit card. When I called the location, they mentioned they always check ID for a credit card application. This thief had also gone to XXXX  in XXXX, CA to open a XXXX XXXX XXXX in my name and had linked my Checking accounts with them. XXXX mentioned they had my ID same DL # Same address and info. I went ahead and installed XXXX as well as XXXX XXXX to lock and freeze my credit and also alerted the Police through a police report. They have gotten in to my Bank accounts at Wells Fargo and charged almost {$3000.00} in fraudulent charges. Everything is currently being investigated. There is a fake Copy of my ID with these thieves and they also have my SSN number. Attached you will find all the documents from Wells Fargo as well as the fraud credit cards that were open in my name. I will also attach the police report. There is a possible suspect XXXX XXXX phone number XXXX or XXXX These numbers were linked to the XXXX account they transferred funds to from my Wells Fargo Account. 

Attached you will find an official police report from the XXXX XXXX with all the information as well as case number. 
With the following reports I was able to report theft and fraud on all my credit bureaus as well as the DMV where they helped me apply for A new Drivers License and put a lock on my personal information for 12 months to deter fraud. 
This Loan at Wells Fargo is not valid and was not authorized or initiated by me. It was a part of the fraud and was opened by the fraudsters using my information that was compromised. 


After all this hard work and investigation and Wells Fargo even deeming me not responsible for the credit card charges as well as the debit card transactions, they are still finding me responsible for this personal loan that was applied for with my info that I had no idea of
Product: Checking or savings account

Citizens had a promotion where you could open a new checking account and savings account and earn {$600.00} if {$500.00} or more was wired to the checking account via direct deposit within XXXX days and the savings account had a certain balance within XXXX  days. I satisfied all the criteria, but only recieved {$300.00}. The first time I called they said the other {$300.00} would be coming soon I just had to wait. The next time I called they said I did not satisfy the checking account requirement, I told them that I did and they said okay one moment just need to transfer you, which never actually happened I just waited on hold for XXXX minutes before finally hanging up. The next time I called they said it was because I didn't satisfy the savings account requirement. I just transferred all my funds out of citizens to close my accounts. Each phone call is a guess and check game of what buttons I need to press to speak to an actual person and they're always experience higher than average wait times ... expect a XXXX minute wait.