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

Upon reviewing my credit report, I have discovered that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) has been added back to my report after I disputed the inaccuracy of the account in the past and had it removed. This unexpected reinsertion of the item is in violation of the Fair Credit Reporting Act ( FCRA ), which states that an item can not be reinserted onto a credit report without written notice by a credit bureau to the consumer within 5 days of the reinsertion. As such, I demand that this account be deleted from my report immediately in accordance with the FCRA. 

Please send me an updated copy of my credit report once this account has been removed. Failure to take appropriate action will result in legal action. I am well aware of the rights granted to me by the FCRA, and I intend to see that my rights are respected. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX, XXXX AND TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, XXXX, XXXX AND TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late for XXXX 30/60/90 on my credit however I have paid all minimum payments or larger. They are telling me it will take 3 billing cycles which is NOT acceptable.
Product: Student loan

I was charged {$3000.00} fee in 2010 and was told by ACS that there was nothing that I could do about it. I had been out of work off and on for 5 years. In late 2010 I finally found steady employment after moving to North Carolina. Not only did I receive excessive fees, but my interest rate was raised to 5 % from just over 3 %. Now ACS has changed to Conduent and apparently no longer service my loan as I tried to log on to pay my bill. I also just jacked my credit app and who ever they gave my loan to has jacked up my interest rate to 7.75 %. I need help. I would greatly appreciate assistance in dealing with these crooks.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX, Dept Of Ed XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX , Dept Of EdXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by seven or more years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish ay 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

I have attempted to Dispute a company on my Experian report multiple times. I do not have an account with this company. I never consented to a loan for this company, despite the paperwork they provided with my name on it. I never visited the car lot to get a car. This account was opened by my daughter XXXX XXXX. I provided the down payment and I gave them a post-dated check to deposit at a later date to complete the down payment. I had to sign a form -- my daughter brought it to me at my job -- giving them consent to deposit the post dated check at the specified date. That's the ONLY document I signed. I disputed the account with CFPB and in the company 's response they state that they repossessed this car and that my signature was verified. This car has been at a car shop for most of the time. IT HAS BEEN OUT OF WORK. IT HAS NEVER BEEN REPOSSESSED. This company is not reliable and they have me mixed up with another person. But, if going by their statement, IF they repossessed the car and I paid and they gave me the car back, wouldn't that mean that the car is paid UP TO DATE? Their information is so conflicting. This is FRAUD and IDENTITY MIX-UP. 
Also, they state that they have received multiple calls from me regarding this account. That is a bold face lie and I have not called this company in years!!! They can not produce any recordings with my voice because I have not called them. I have enclosed their response to CFPB. 
XXXX deleted their account from my report because they saw all the inconsistencies and realized that this account is not accurate. I am requesting that Experian does the same. THIS IS NOT MY ACCOUNT!!! 

" The copy of the drivers license you submitted with your XX/XX/XXXX credit dispute was the same drivers license provided on XX/XX/XXXX when you redeemed your vehicle after it was repossessed '' " And we have received multiple phone calls regarding this account from a person identifying and authenticating herself as you ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX county court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 4 ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX 
8 ) XXXX XXXX XXXX XXXX, XXXX. 
9 ) XXXX XXXX Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak. 

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to. 

I plan to sue this Company for damages to my credit, punitive damages and fraud.
Product: Mortgage

I am entitled by law to get a copy of the appraisal made for my refinance in XXXX. I never got it. Failure to provide it would constitute appraisal fraud and I understand that I can report the bank or servicing company if they refuse to comply. Recently, I have been in touch with the new servicing company. I had requested it via email on XXXX to no avail. I called back in XXXX and spoke to the manager. During our phone conversation, I insisted I would have to report them ( Fay Servicing ) to your offices if she would not provide me with the appraisal used for that refinance. This was during my last follow-up attempt when I reached XXXX XXXX who transferred me to another rep who was then handling my file, who then in-turn tapped me into the manager. She was not a nice person and focused more on how I mispronounced XXXX XXXX 's name than my relevant concerns. She was using an intimidation tactic to scare me off. Although that email had been acknowledged She insisted I must re-write them a full letter - again. The company contact info is : XXXX XXXX, Fay Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX toll free XXXX direct XXXX fax www.fayservicing.com
Product: Debt collection

A collection was put on my credit report that is not mine. The come say I have aan account for the past two months. I do not have an account with that company.
Product: Payday loan

I actually knew the amount of the interest, but according to the Attorney General in Minnesota. The Lender 's I borrowed from are not licensed to do business in Minnesota. They are also not allowed to charge more than 33 percent annual interest plus a {$25.00} fee. I am currently paying for one at XXXX. 648.96 percent, and XXXX, a XXXX 414.77 percent. According to the Attorney General many lenders who do business over the internet or across state lines have claimed that they are not subject to state laws because they are tribally-owned companies. I also had a loan with Zoca in the South Dakota which had a high rate, but fortunately I was connected to a non-profit organization to pay them off with no annual interest fee. It was suggested by the Attorney General I contact the Federal Trade Commission who 's website directed me to contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a matter concerning unauthorized inquiries showing on my credit report that occurred on dates listed on attachment. I believe my rights under the Truth in Lending Act, specifically 15 U.S. Code 1602p, have been violated, and I am seeking a resolution to this matter. 

According to the aforementioned section of the Truth in Lending Act, consumers have certain protections regarding credit transactions and the disclosure of credit-related information. After careful review of the relevant documentation, I have identified the following discrepancies and concerns listed on the attachments. 

I request that you promptly investigate these matters and provide me with a written explanation of your findings. Additionally, I ask that you take appropriate action to rectify any violations of 15 U.S. Code 1602p that have occurred and to correct any errors in the credit-related information associated with my account.

Please be advised that, as per the Truth in Lending Act, I expect a response to this dispute letter within 30 days of your receipt. Failure to address this matter in a timely and satisfactory manner may result in further legal action to protect my rights under the law. 

Enclosed with this letter are copies of relevant documents supporting my position. I urge you to carefully review the information provided and take the necessary steps to resolve this dispute promptly.
Product: Vehicle loan or lease

XXXX. XXXX XXXX ( " XXXX '' ) was sold to XXXX XXXX in a trade-in 2. Vehicle liability was released from XXXX XXXX XXXX ( me ) to XXXX XXXX XXXX. Payoff quote was obtained by XXXX ( XXXX 's lender ) XXXX. XXXX XXXX took ownership of the Vehicle and sent a check to XXXX to complete the payoff of the loan XXXX. CapitalOne shows an " Open Date '' for a new loan on the Vehicle of XX/XX/XXXX, maturity date of XX/XX/XXXX. 
XXXX. CapitalOne requested power of attorney for the Vehicle ( XXXX XXXX XXXX submitted both electronically and via maildespite not knowing why this new loan existing, and this is my mistake for not catching it earlier ) 7. CapitalOne begins requesting payments towards the Vehicle 's loan 8. CapitalOne sends communication asking for " completion of the refinance '' I did not request a refinance, and I am concerned that XXXX XXXX screwed up and started this loan. 
XXXX. It is my understanding the CapitalOne does not have the title and should not have any standing or legal/financial claim to the Vehicle and thus any auto loan under my name. 

Payments : XXXX} Vehicle payment by XXXX XXXX XXXX to CapitalOne on XX/XX/XXXX Charges XXXX XXXX XXXX Late Fees Assessed '' and charged on two occasions : XX/XX/XXXX and XX/XX/XXXX. Totalling {XXXX} I have documentation that I can include as attachments
Product: Debt collection

Dear XXXX I have received several mailed letters with a lab bill of {$850.00} for a XXXX XXXX XXXX XXXX tests alongside XXXX from " XXXX XXXX ''. These were all ordered by XXXX XXXX as part of their health plan, of which I am a member. I have never had to pay for tests like these since they are fully covered by my plan and I have reconfirmed this with XXXX XXXX. Additionally, I have not received any email nor phone call from " XXXX XXXX '' either, just these letters. These letters where, by the way, sent to an old address in another state. Moreover, given these letters are redirecting me to an external website to pay, not " XXXX XXXX '', I believe this might a scam or fraud attempt. 

I want to reiterate that I don't believe this bill to be right or proper. 

The info contained on the letters state : Invoice # XXXX Account # XXXX In addition to all of the above, I received several letters, also addressed to an a place I haven't lived in for years, from " Credit Collection Services '' stating they are a debt collector working for " XXXX XXXX ''. The amounts they claim in these letters are different than the ones from " XXXX XXXX ''. They mention an amount {$330.00}. These letters also redirect me to another external website, not related to " XXXX XXXX ''. This all reeks of scam. 

I have contacted " XXXX XXXX '' via their website messaging form. I would also like to mention that it has been *impossible* to get somebody on the phone. This is not an exaggeration. I have spent several hours trying to talk to " XXXX XXXX '' to no avail. 

I want to additionally reiterate that I have never, ever visited a XXXX XXXX lab in the US if it hasn't been ordered by a university doctor or PA under a university healthcare plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX XXXX  today that my experian and XXXX XXXX accounts were negatively effected by a report by XXXX  XXXX XXXX. By their accounts, I am it behind, never have been, yet my score drastically dropped. I called and the representative denied it was them, yet XXXX XXXX  shows it is.
Product: Checking or savings account

I have had opened a Checkings account with Citizens Bank at XXXX XXXX XXXX, XXXX, RI. The account number is XXXX I was told by the bank official that I would be getting USD XXXX ( Usd XXXX for account opening after direct deposit of USD XXXX and USD XXXX for using my debit card XXXX times in 60 days ). 

I completed both the pre requisites and did not recieve the bonus amount. 

Upon contacting the Bank, was told that this was not a valid offer in branch that time, and I should have opened the account online only. 
Helpdesk further suggested to reach out to branch regarding the same. 

Upon contacting the branch, was told that manager is not available to discuss, but they are capturing my issue and asked me to contact after 1 week Upon contacting today again, I was told to contact them again tomorrow. 

It is clear case of cheating and mis representation.
Product: Credit reporting

The credit reporting agencies XXXX, Equifax and XXXX are reporting information that I am confident is reporting inaccurately. As I have attempted to dispute the inaccuracies, the agencies are being either uncooperative or non-responsive to my request. I 'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. When you can provide adequate validation of this alleged debt and late entries I will concede to your policy of valid entry. To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX, XXXX ; XXXX. App. XXXX XXXX. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX, XXXX, XXXX ( XXXX., XX/XX/XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
I 'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX, No. Civ XXXX ( XXXX. XXXX ), the court ruled that reporting a collection account indeed is considered collection activity. The following are challenged : XXXX XXXX XXXX XXXX XXXX XXXX ( Refelecting Late ) XXXX XXXX ( Refelecting Late ) XXXX XXXX ( ReflectingLate ) XXXX XXXX ( Reflecting Late )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX XXXX XXXX and Early Warnings and the companies have not responded. 

This email is to dispute and request that the fraud included on my Early Warnings report related to XXXX XXXX XXXXXXXX on XX/XX/XXXX be removed. 

On XX/XX/XXXX, a fraudulent check was deposited into my account electronically. I did not deposit the check ; my account was somehow compromised. XXXX XXXX XXXX noted the check was fraudulent and returned the check. XXXX XXXX XXXXXXXX also provided me with notice that it would hold the funds in my account and determine whether the account was to be closed. 

On XX/XX/XXXX, I received notice that the account would be closed and would be reported to Early Warnings, I have attached a recent report that indicates I conducted fraud on her account. I did not commit fraud on my account, and I am not clear why Early Warnings is reporting all this activity on the Early Warnings report. 

When I learned the account was being reported to the Early Warnings, I opened an investigation with risk management in XXXX of XXXX regarding the account with XXXX XXXX XXXX. The claims record # XXXX. Following the investigation, we received notice the bank account that was previously closed on XX/XX/XXXX was reopened. I assumed the information reported to Early Warnings had been corrected, when I tried to open an account with a financial institution, I learned that a fraud alert was listed. 

In addition to details regarding my account and the fraudulent activity I am attaching the police report I filed regarding the fraud that occurred on my account.
Product: Debt collection

I made a purchase in XX/XX/XXXX at Best Buy in the amount of {$1200.00}. {$720.00} was returned within a few days. Balance owing was {$510.00}. There is a charge of {$210.00}, {$42.00}, {$87.00}, {$93.00} that are not mine. The only other charge I have made were {$140.00} and {$150.00}. Total is {$1000.00}. To date I have made payments in the amount of {$1100.00}. Interest charges {$620.00}. Late fees in the amount of {$370.00}. 

I did not sign up for interest free or deferred payments. Since interest charges have been charged each month, this would not apply. 

What I would like Best Buy or XXXX to do is adjust my account and let me know what is the exact amount I owe. 

And, I do not appreciate XXXX to send threatening remarks in a letter that was sent to me on XX/XX/XXXX by XXXX XXXX, Executive Response Unit. 

I am sure XXXX will do the right thing and adjust these charges, interest and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The final account statement in the amount of {$4600.00} should be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/ 2023. As such, I submitted a notice to vacate on XX/XX/. Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.