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

To whom it may concern : Please be advised this is my second request that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX UNVERIFIED ACCOUNT
Product: Credit reporting or other personal consumer reports

I have continuously sent requests to this company without a response. I have no idea who this company is and there is no way they can produce any contract between them and I where I agreed with anything with them. XXXX XXXX XXXX XXXX You are claiming I owe you a debts which is inaccurate. Please provide me validation of this debt immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you are no doubt aware, invalidated information must be removed from my credit reports immediately. Please note that I am not concerned with verification of this debt. Send me validation at once. From the date you receive this letter, cease and desist from reporting this information onto my credit reports. Continuing to do so violates my rights and I will take action against you. In your validation response, provide me with the following : 1. A description of what the money you are alleging I owe you is for. 2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. 3. An explanation of who the original creditor is, when this account was last paid to the original creditor, and an originating document. 4. Proof that the statute of limitations on this account has not expired. 5. Include your license number ( all of them ), and your registered agents information. 6. The original purchase agreement related to these accounts. 7. The chain of assignment documenting the transfer of these accounts from the original creditor to the current creditor. 8. The bill of sale detailing the sale or transfer of these accounts. 9. Validation of the debt, including any supporting documentation that verifies the accuracy and legitimacy of these accounts. Immediately cease reporting of this account during this validation period in accordance with the law and make no further attempt to contact me regarding this account other than to notify me of your error by regular postal mail. I am closely monitoring and cataloging all communications with your company. If you do not have validation or your records indicate you are attempting to collect debt in error, send me a response stating this and immediately remove this account from my credit reports. If you continue to report inaccurate information, you are in violation of section 807 ( 5 ) of the FDCPA and FCRA rule 611 ( a ) and subject to a fine of { {$1000.00} } per violation which I intend to pursue if necessary. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 604 ( a ) ( 2 ) which states I have the right to privacy. Furthermore, under 15 USCS 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. If you do not have the requested validation documentation or your records indicate you are attempting to collect debt in error, send me a response stating this and immediately remove this account from my credit.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00}.
Product: Credit card or prepaid card

Capital One has literally been doing absolutely nothing to help me for eight months to resolve my dispute with this rental car company. The company already admitted to overcharging me by {$400.00} for no reason and then they had an itemized bill that didn't even add up mathematically. Thus, they still billed me for an additional like {$700.00} worth. Thus, even those charges were bogus too and I told them that if someone was not happy with the service, then as a credit card company I have the right to dispute it even all together. I told them that it was clearly fraud if they arbitrarily charged my card for no reason on an amount, and the other charges were fraudulent as well. They have been rude, nasty, and disgusting. They've also denied my claims in my checking account for charges that were made for a service that I did not use, which was XXXX, and I have never had a XXXX account. On another card that I have with them, my XXXX card, the same thing occurred, the merchant XXXX overcharged me and they refused to correct it with the evidence as clear as day. My credit score and report has been deeply impacted, because they keep charging me late fees and interest by this and they literally refuse to do anything at all. I am a person with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not fair at all. The last person I spoke with was horrific and said the case is closed and hung up in my face. I have recorded all of the calls that I have had with Capital One concerning these issues. They are lazy, and behaving like a corner store pay-day loan company. I will take them to court. All of their associates and supervisors are uppity, ignorant, and inept. I have received absolutely no help from them at all. I hate this company so much. The last time that I had a problem with a bank and credit card and complained about them vigorously was about 12 years ago. And guess who it was? XXXX XXXX. And guess who had lawsuits from here to XXXX? I received several checks from them, because of their fraudulent behavior in which I sounded the alarm years before they went down. XXXX XXXX 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 I'm not an XXXX. This is why I have kept meticulous records, voice recordings, and correspondence of their indolent, rash and XXXX  behavior. I want them to follow the law and the regulations governing them. Please assist me because I am dealing with XXXX XXXX. Thank you.
Product: Credit card or prepaid card

I tried to open an account at XXXX XXXX and was turned down because they said " During the processing of your application for credit, we encountered the following missing, invalid or unverifiable information : Unable to verify identity information '' I was in the store and gave the clerk my CA drivers license. She verified this with the credit department. 
My XXXX credit score, as well as XXXX  and XXXX XXXX, is XXXX. 
XXXXXXXX XXXX reference number is XXXX
Product: Debt collection

On  XXXX   XXXX ,  2017 , I noticed that a  XXXX  phone bill had appeared on my credit files. I requested that  XXXX  validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation request.   Now, diversified Consultant is coming after me. I have continued to request that they validate and they continue to allow this to report on my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : COMPLAINT ID XXXX I've reviewed the updated background report from First Advantage Background Services Corporation. 

They've reported to me that they've removed all outdated information that exceeded 7 years old. They send me an updated copy of my report, and I found that there was still outdated information still being reported. 

I've attempted contact with First Advantage Background Services Corporation, with negative results. They havent responded in weeks. Therefore I'm following on to the next step wotj CFPB.
Product: Mortgage

Since XX/XX/2016 I have been in a fight with AmeriHome Mortgage about them not paying my property taxes from my escrow account. I have received tax bills from XXXX showing delinquent and current taxes owed. When I call AmeriHome they insist there are no taxes due. I have advised them that they had the wrong parcel # ( XXXX ) on my account information and the correct parcel # ( XXXX ) as shown in the documents I signed at closing and as shown on the tax bill. They have been saying for 5 months now they are checking with XXXX Tax office to verify parcel #. At least that is the story I get every time I call or email them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX  XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 ALLY FINANCIAL Date of inquiry : XXXX/XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken loans/rocket mortgage pulled my credit with a hard mortgage inquiry without my knowledge or consent on XX/XX/2021! I have tried to resolve this issue with the institution without any success. This matter is very upsetting to me and I feel violated that a company could even go to the extent to pull my credit with a hard inquiry without my knowledge or consent!!!
Product: Credit reporting or other personal consumer reports

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 I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX  Account name : XXXX XXXX, Account name : XXXX XXXX XXXX. Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. I requested for the documents showing steps taken by credit beaureu doing investigation. I never recieved it. I disputed with both creditors and credit bureau on multiple occasions to keep getting generic system replied. My FCRA has been violated on multiple occasions from XXXX, experian, XXXX.
Product: Debt collection

these people know that it was fraud and they continue to harass me. I told them not to send me any literature any mail. They are violating my rights. This is fraud and the bank knew it was fraud and Im talking to the bank regarding this issue. They keep sending me stuff they are violating my rights. When I tell them to stop sending me stuff they should stop automatically. Im seeking legal action against them.
Product: Credit reporting or other personal consumer reports

The examination and investigation didn't resolve the problem I was having with the credit report inaccuracies. 
I did a dispute with Transunion on many occasions in XXXX, XXXX, XXXX, XXXX, and XXXX for the same reason ( about the unfair credit practices, and the deception tactic that used by the creditor to damage my credit and. wasn't noteworthy, as other reports wasn't compared by the agency. by the same creditor. XXXX was the creditor involved with reporting inconsistency. And I feel that TransUnion didn't do a thorough investigation on my behave. Because the reports was completed with some changes, but didn't resolve the reporting inconsistency. And In the next two months the report would change again. So this is why I am escalating this problem to Consumer Protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate.

This ground for removal also violated my rights under. 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. Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond since the end of XXXX when I first sent in my letter.. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41 , et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.For your benefit, and as agesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry:XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).
Product: Checking or savings account

I was charged minimum balance fees on XX/XX/2022 and again on XX/XX/2022. I went Chase Bank branch next to me and requested for a courtesy waiver. The teller said it should be no problem to give a courtesy waiver ; but there was no banker available due to COVID-19. I was told to come back in six weeks when the banker could see me the earliest. So I did. Same suggestion was given because there was no banker available due to COVID-19. For some weeks, the entire branch was closed except for driving thru service. after the lobby service reopened, I tried several more times. Same thing repeated. Finally I contacted the head quarter of the bank and was told it has been too long since the charges, and the bank can't honor the request.
Product: Credit card

My husband and I noticed charges made to our credit card account that : 1 ). We did not make 2 ). We did not authorize 3 ). We believe is fraud
Product: Vehicle loan or lease

I am the cosigner of a vehicle that was leased through GM financial. The account number is XXXX. The lease was terminated early and I was NEVER NOTIFIED of this said termination. I was not sent any information from the dealership or from GM financial. This is illegal to not notify me of a lease termination. I was receiving monthly bills during the lease to ensure the payments were being made on time. I received notification via email through my credit report stating that the said account was closed and that there was a {$0.00} balance on XXXX XXXX, 2019. On XX/XX/XXXX I received an email stating that on my credit report that the account was re-opened with a balance of {$4800.00}. The account was finalized on XX/XX/2019 but I was still NEVER NOTIFIED of any of this. GM financial should have notified me of the closing of this account as well as a remaining balance as it is their vehicle. The primary on the lease should have never been able to trade in the car or walk away without paying the over mileage or the last two payments on the lease. This was all done without my knowledge. Someone XXXX up and dropped the ball and now they are re-opening a closed account. I have the emails stating the closed account and the {$0.00} balance. THIS IS ILLEGAL TO HAVE NOT NOTIFIED ME!!!!!!! I have called an attorney as to the legality of not notifying me.
Product: Credit card

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX My XXXX and current address is : [ MY Correct Address, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ) XXXX which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 

I request the following actions : Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me. 

Correction or Removal : Remove all inaccurate addresses from my credit report. 
Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information. 

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

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

request deletion of XXXX XXXX bank account ending XXXX due to the fact that XXXX XXXXXXXX request to delete this trade line
Product: Debt collection

On XX/XX/2019, I received a derogatory mark on my credit report for supposedly failing to pay {$1700.00} for an emergency room visit from XXXX XXXX XXXX XXXX XXXX. The collection agency is COMNWLTH FIN and I told them this has to be a mistake because I haven't been to an emergency room for over 5 years and I never got any explanation as to what these charges are for. Also, they have recently changed the amount that they said I owed. It originally was at around {$900.00} ( if I remember correctly ) and then months later it jumped to {$1700.00}. This has lowered my credit score and made it very hard for me to get credit for my small self employed business. I am helping to raise XXXX kids with my girlfriend and I can't afford to pay a debt that is either from 6 or 7 years ago but is just now being reported or that isn't mine at all! So far they have not been able to explain to me specifically what these charges are for.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed the following inquiries that I did not authorize : Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX OF XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting

I request for loan due to my credit report misplaced ether by some one using my name for his or her selfish ends, please help me to fish out this miscreant