23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is being sent to you in response to : Notice sent to me on XX/XX/year> Be advised this is not a refusal to pay, but a notice sent pursuant to the fair debt collection practices Act, 15 USC 1692g stating claim is disputed and validation is requested.

This is not a request for verification of proof of my mailing address, but a request for Validation made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligations to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX Major bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, If any negative mark is found on any of my credit reports by you company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the fair Credit Reporting Act, Violation of the Fair Credit Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation in the following Declaration, I will require at least XXXX days to investigate this information, during which time all collection activity must cease to desist. Also, during this violation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to report to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted completely removed from my credit file and a copy of such deletion request shall be sent to me immediately Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit The Fair Credit Reporting act. The LISt oT accounts below nas violated my Tederally protected consumer Tignts TO privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The following inquiries were opened under my social security number fraudulently.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXXXXXX XXXX : {$0.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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/year>
Product: Debt collection

I was the victim of identify theft in XXXX of XXXX. Among the institutions at which this identity theft took place was Fifth Third Bank. Some fraudulent debt was accrued by the criminal who stole my identity. After extensive back and forth, at greater personal expense of my time ( which impacts numerous people, as I am a surgeon who needs to serve patients ), the fraudulent debt was expunged and it was removed from my credit record. HOWEVER, on XX/XX/XXXX I received a call from XXXX XXXX XXXX ( XXXX ), at XXXXXXXX XXXX XXXX! ) from a man named XXXX XXXX ( extension XXXX ), who was a debt collector, seeking payment for a debt originally held by Fifth Third Bank . 

This is unacceptable harassment. This is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is reporting an account that is unverifiable, it has no name, address, or phone number for me to contact. I have sent them THREE letters regarding this reporting on my credit report they removed two of the accounts but they respond back saying this one is " verified '', The law states : FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) I have included all three letters as well as the copy of the credit report. 
They are in violation of multiple FCRA statutes and this account needs to be removed immediately.
Product: Money transfer, virtual currency, or money service

I sent {$700.00} to XXXX XXXX XXXX on XX/XX/XXXX. They confirmed it had arrived on XX/XX/XXXX. Coinbase claims they can not find the {$700.00} and has not credited my account or sent the money back and it has been 53 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Attention : Experian This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XXXX Made with : Experian Made by : XXXX  Made on : XXXX Made with : Experian Made by : XXXX XXXX  Made on : XXXX Made with : Experian Made by : US Sm Business ODA Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXXXXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

In checking my XXXX XXXX account I noticed a new Delinquent Charge pop up from XXXX XXXX stating an account opened XX/XX/XXXX was in collections and disputed through the XXXX XXXX app. I haven't received anything from this collection agency, and the documents I have indicate the account was charged off in XXXX, not in XXXX and I have requested to send me what paperwork shows it was open in XXXX.
Product: Checking or savings account

I initiated two payments using Chase online to XXXX XXXX XXXX ( the " payee '' ) both payments initiated on XX/XX/XXXX and both payments " expected to arrive '' on XX/XX/XXXX. 

The payee claims to have only received one payment and can not identify which payment it received. Chase claims both checks were deposited.

I asked Chase to initiate a fraud claim with regard to the payment which was n't received by the payee. They have refused because " I can not tell them which of the two payments was n't received. '' The payments were made from Joint Checking and High School Checking. The transaction numbers are XXXX and XXXX. 

Please cause Chase to investigate and confirm that both checks were deposited. If they were, please cause them to open a fraud investigation as I have confirmed with the payee that they did n't deposit both checks.
Product: Mortgage

I made additional deposits to my mortgage at XXXX and asked for my PMI to be dropped. I paid for and had completed I be removed in their appraisal and they told me the PMI would be removed in XXXX But they were " backed up ''. It was not removed and I placed several calls and emails. They promised to call me back and never did. 
I believe this is a stalling tactic designed to keep charging me unnecessary PMI. I have more than {$90000.00} in equity in the house XXXX XXXX XXXX Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX Thank you.
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 confidential under 15 U.S.C 1681.

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 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 crimes which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This had been happening since I have opened my account with navy federal. My checking account.
Product: Credit reporting or other personal consumer reports

I have sent numerous correspondence to Lexis Nexis, and they refuse to give me my free annual report. By FCRA law, they must provide this to me. They have still not sent me my report after the initial CFPB case was done ( CFPB Case # XXXX ). This is the 4th time of me making the request and sending in the requested documents. I have attached proof of them saying they got the documents but they sent it to the incorrect address now, someone out there will have all of my personal information
Product: Credit reporting or other personal consumer reports

I sent the attached dispute to Equifax regarding errors on my report listed as XXXX XXXX XXXX in the amount of {$610.00}. According to USPS tracking # XXXX, Equifax received this dispute on XX/XX/year>. As of XX/XX/year>, no response has been received from Equifax and the unverified/incorrect account is still reporting. 

I am requesting the removal of this item from my credit file.
Product: Credit card

On XX/XX/24 I bough items from XXXX to be delivered on XX/XX/. I had 5 issues with this order and was promised a courtesy credit amounting to {$500.00}. I was approved for {$160.00} price match since the TV went down in price before this {$500.00} promise. The day before deliver everything became {$1500.00} cheaper for XXXX XXXX sale. I was going to either cancel my order or do a free return if they couldnt cancel ( I have 15 days from delivery to return and they werent delivered until the day after the sale ) and then rebuy them that day at the lower price. The manager XXXX informed me not to do this he will just 100 % guarantee me a refund of the price difference with the courtesy credits too for a total of {$2000.00} if I do not cancel. I followed his instructions and 2 days after the sale ended, the refund was denied because I was given a courtesy price adjustment on the TV ( the manager assured me it will 100 % be approved ). XXXX XXXX team is reviewing the case to see what can be done but I had filed a dispute with Citi credit card about a week ago. I sent proof of original price proof of the screenshot of the lower priced items ( same exact ones ) along with tickets numbers to XXXX that had my conversations to the manager. They now denied it saying Im responsible despite the fact that had it not been for their managers faulty info, I couldve bought it for less and returned the original order. I do have a recording of a second manager assuring me that the first manager will get me the refund.
Product: Credit reporting or other personal consumer reports

I spoke with a EQUIFAX representative yesterday and asked her to fix my birthday, remove all old addresses and phones numbers, remove a hard inquiry that I did not request and could have not requested because XXXX XXXX XXXX at the time. 

The inquiry is from XXXX on XX/XX/year>. XXXX XXXX XXXX XXXX XXXX. She switched my present address with my former address. Now I have the incorrect address on file. I filed two disputes one for the incorrect birthday. I believe the other was to remove all my prior addresses and phone numbers. 

I also asked them to remove an alias name that I have never used before that was incorrect and she told me to contact the merchant that put it on there. They denied both of my disputes even though I uploaded my state ID with my current address as well as my birthday.
Product: Debt collection

Chase XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} and shows XXXX $ then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
Product: Student loan

I tried to change my payment plan to standard repayment via the nelnet website. There isn't actually a way to do it. So I reached out via their contact form and provided all the needed information. They said they would reply in 5-7 business days, but that was over 1 month ago. 

So instead I tried calling- the automated call options could not find my account and would sit me on hold over and over again for 30 minutes to hours and then disconnect. I have no way of contacting the servicer to change my plan to a standard repayment. It's a very simple request and I don't understand how it's impossible to manage my loan in any way with this servicer.
Product: Mortgage

On XX/XX/XXXX I sent insurance claim checks to replace my roof to Planet Home Lending to endorse the check so that I can then endorse and deposit the check so that I can pay the roofing company that replaced the roof. On XX/XX/XXXX I called Planet Home lending and asked them what the status is. They said it was received and completion is past their usual processing time. I asked for an estimated completion date and she did not know. She said the department processing it did not know what date either.
Product: Credit reporting or other personal consumer reports

I was affected by XXXX and XXXX data breach. My information was hacked and leaked. This Credit reporting agency is in violation of FRCA laws. 

According to FRCA 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assemble by credit reporting. USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after date of receipt. 

1681g ( a ) 1 Information on files, source, reporting receiptents. 
_Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer ; ( 1 ) All information in the consumer 's file at the time of request. This agency in violation of not being able to supply what you have on file to verify the following accounts : XXXX XXXX ( acct # XXXX ) XXXX XXXX ( acct # XXXX ) XXXX XXXX ( acct # XXXX ) XXXX XXXX XXXX ( acct # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items/information from my credit report : Inquiries XXXX XXXX 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 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

for the last few weeks i have been attempting to validate that i have a freeze on my Equifax credit bureau accounts.  I have NOT been able to do so at Equifax.  I have been able to do this at XXXX and XXXX.When speaking with Equifax they repeatedly tell you to call a phone number or go to their online site.  I have done both repeatedly.  They always say cannot help me, there is a problem.  The only way i can correct the problem, they tell me, is i have to mail them my drivers license and social security number.  I have been told this by multiple reps and their supervisor.  When I try to follow thier instructions to check my freee online, I fill in all the online information but it ends with a screen that again says there is a problem, i have to call.I have spoken with multiple representatives, spoken with supervisors and when i asked to speak with a manager was told none was available.  None of these people do anything more tha read a prepared script that says there is a problem on my account and  the only way i can resolve it is tht i have to send them my drivers license number and social security number - which i do not wish to do due to my concerns over it's security implications.  Plus, I have had dealings with Equifax long ago so know they have all this information already and have had it for decades or more. My credit accounts have been around for a very long time. I need help with these people without having to expose my critical personal data via mail or fax; data they should already have.  all i'm trying to do is to confirm i have a freeze on my credit accounts (especially, due to the lacks security this company has exhibited).I need to be insured that i can maintain my account's freeze status and i need to know i can get my free credit report without all this extraneous hassle.MOST IMPORTANTLY, I NEED TO BE INSURED THAT MY EQUIFAX DATA HAS NOT BEEN COMPROMISED!I am hoping you can help me get this corrected at Equifax.  Their service levels are poor and I cannot get anyone there to accomplish what i am trying to do.  The role they play in our financial system is too critical to not allow the public to gain access to their own data without having to provide even more critical personal information to do so; especially since Equifax must already have that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding the inaccuracies in my entire consumer report that have been provided by Experian. I have been disputing this information for years now, and I am tired of their refusal to investigate and correct these inaccuracies. 

I have enclosed a copy of my dispute letter, which I sent to Experian, in which I explain the errors and inaccuracies in my consumer report, including multiple charge-off statuses, inquiries, incorrect balances, a misspelled name, and more. I request that Experian investigate these inaccuracies and make the necessary corrections to my credit report. I will use the CFPB to verify myself. 

To date, I have not received a response from Experian or any indication that the errors have been corrected. I am concerned that these inaccuracies are preventing me from obtaining credit or entering into new transactions, and my family is suffering as a result. 

I respectfully request that the CFPB investigate this matter and take any necessary action to ensure that my credit report accurately reflects my credit history. I would like to see a resolution that includes the removal of all inaccuracies from my credit report and any other necessary corrections to ensure that my credit report accurately reflects my credit history. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 


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

I recently accessed my credit report because Im in the market for a house and I see two fraudulent accounts on credit report. The following accounts are to be removed immediately XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. Never had either of those accounts they are an act of fraud.
Product: Payday loan

I have not taken out a loan from XXXX and I have a confirmation from XXXX XXXX, XXXX the owner of XXXX that I never took out a payday loan from XXXX. They called and threatened criminal charges today if I didnt set up a payment arrangement. I know these guys are fraudulent but the only way I could get them to show me who they are is to make a small payment. They are Global Asset Agency registered in Wyoming.
Product: Payday loan, title loan, or personal loan

Fraudulent line of credit opened in my name. Charged my credit card.
Product: Debt collection

There is a medical bill from my daughter on my XXXX credit report. My daughter had XXXX at the time of service and the bill was placed on my credit in error. It was originally placed on my XXXX, XXXX and XXXX report. When I saw this error, I contacted all three agencies to let them it was incorrect. XXXX and XXXX removed the account after confirming it was not my debt. However, after multiple disputes and talking to both the XXXX and the reporting agency, XXXX is refusing to remove the account. Even though it has been proven to not be my responsibility.