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

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account XXXX : [ XXXX Reason : [ NEED THIS INFORMATION REMOVED FROM PROFILE & LATE PAYMENT HISTORY ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Experian and XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it ma concern : The right to contest my credit report is something that every American has. In accordance with the FCRA Section 611 ( 15 U.S.C.1681 ( 1 ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory account 's allegations of inquiry ( ies ). Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( to my credit report ) immediately. I request that you send me physical documents providing your action ( s ) and my updated personal credit report following any correction ( s ).
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I have sent this company a debt validation letter and nothing was sent back in the time frame validating this debt. They received it on XX/XX/2022 per usps tracking. I also called Trident Asset to confirm they got the letter on XX/XX/2022 and this still remains on my credit report. I would like for them to remove this item because they did not abide by the laws of the Fair Debt Collection Practices Act, 15 USC 1692g.I also have proof that nothing was sent thanks to USPS Informed delivery. The letter was mailed off on XX/XX/2022. I would love for this to be resolved by removing from my credit report. They are pass the time allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax divulged my personal information through the data breach to undetermined third parties without my authorization which potentially included my name, Social Security number, birth date, addresses, and driver 's license number. I confirmed this today through equifax 's website.
Product: Credit reporting or other personal consumer reports

" Based on the information you provided, our records indicate your personal information was impacted by this incident '' ( EQUIFAX DATA BREACH SETTLEMENT ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re : Acct XXXX XXXX {$3900.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with section 601. Short Title : Fair Credit Reporting Act I have not initiated any transaction with any of the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies stated for review or collection TRANSUNION : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These companies had violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy.

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX Con star financial services, LLC Last XX/XX/2018 I had a motorcycle repossessed.voulentary. XXXX XXXX XXXX XXXX sends me a bill with a breakdown totaling over 1000.00, but the motorcycle was sold for only 200.00 less then what I owed. After speaking with XXXX XXXX I told them I would gladly pay XXXX owed but felt that these other fees were the responsibility of the customer, the individual who purchased the motorcycle at auction to pay. After zero resolution, I receive a letter from constar financial services LLC a collection agency attempting to collect XXXX, it appears that they are attempting to collect XXXX XXXX for XXXX XXXX that XXXX XXXX claims I owe.so I made it clear on a telephone message that in a situation like this nobody is getting paid unless a judge and jury sayes I have to pay and that I felt strongly that a Connecticut judge and jury would agree. With me, after seeing the breakdown of the bill, that I owe XXXX
Product: Student loan

I accepted this loan offer as a student at University of XXXX, XXXX XXXX program for a simple continuing XXXX certification, which was not received. I completed 5 courses out of 6, and had to move out of state because I could not afford to live in California anymore. I have paid the required monthly payments to Sallie Mae for this loan since it was disbursed over 6 years ago and never was late. I have paid off this loan in payments totaling over {$6000.00} which was the amount disbursed. Yet, my balance due is over {$6000.00} so my payments went strictly to interest all these years and will continue to go to interest only. I feel this is fraudulent and unacceptable behavior. THey have refused to lower my interest rate or do anything to apply my payments to the principal balance. I feel like this loan should be considered PAID IN FULL.
Product: Payday loan, title loan, or personal loan

We got a loan for XXXX through XXXX XXXX XXXX. XXXX finance this purchase they were supposed to make installment payments but instead paid the whole thing to XXXX XXXX and we still do not have this product we bought it in XX/XX/2022 and we have been paying monthly payments every month with interest for something we did not even get. We have contacted Mosaic and ask them to stop payments and interest until we receive the product that we are supposed to be purchasing but now XXXX XXXX XXXX is no longer in business and the US government has shut them down
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX and to Experian requesting PROOF of documents to show the account belongs to me. Experian always came back as verified by the creditor. I have now spoken with the creditor on XX/XX/2023 and the representative by name of XXXX confirmed this does not belong to me the XXXX XXXX does not belong to me. This has been going on a year and this needs to be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged for a credit freeze and have been a victim of fraud and online hacking. Transunion and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those XXXX pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning. My name is XXXX XXXX. My account number is XXXX. I just spoke to a XXXX  representative. There is no balance due on my account. You all have reported incorrect information to the credit bureau twice this month. Once on XX/XX/XXXX and XX/XX/XXXX. My XXXX XXXX has dropped XXXX points. I have spoken to an attorney including the attorneys that sued XXXX and won. I will pursue legal action against XXXX. You all have caused me great pain and suffering because my credit score dropped XXXX points in 8 days due to your negligence. I have emailed, faxed, and mailed letters to you all. I have proof that I have been working on my credit I have even paid several items off and you all intentionally reported incorrect information. I was also informed you all report at the end of each month, but this was reported on the XXXX and the XXXX of XXXX. Please fix this as soon as possible or I will move forward with the attorney recommendations. I have included proof of the points dropped and the dates you all reported this. On XX/XX/XXXX XXXX reported another change. this time the balance decreased by {$2300.00} and my credit score was increased by XXXX points. XXXX has continued to cover up there errors by sending me an inaccurate letter. If what XXXX is stating to be true why did the report another change on XX/XX/XXXX? XXXX has reported to the Credit bureaus three times in one month. XXXX is trying to cover up their mistakes. I want this situation fix. I am prepared to send this information to the news media in order to get this problem solved. XXXX was suppose to supply me with a letter so I can send to the credit bureau I have never received that letter. I will file a law suit against XXXX if necessary.
Product: Credit reporting or other personal consumer reports

Account - XXXX : Account - XXXX  XXXX Account - XXXX  Account - XXXX  # XXXX The above accounts were opened fraudulently without my consent. 
Please remove from credit report asap
Product: Mortgage

On XX/XX/2023, Citizens Bank sent me an XXXX Account XXXX statement alerting me that my monthly escrow payment is going to increase to {$4400.00} ( more than triple what it should be ). 

The home is a new build and the PIN is in process of being split by XXXX XXXX. The end of year escrow analysis done by the bank failed to account for this and I am now being asked to escrow more than what is supposed to be. As a result of this error, my monthly mortgage payment is increasing by over {$3000.00}. I can not afford this. They are asking me to escrow as if my yearly property taxes are {$51000.00} which is incorrect ; my yearly property taxes should be no more than {$16000.00}. 

I have spent several hours on the phone, over XXXX separate occasions trying to get them to freeze/undo the escrow increase. Each time I call, they give me a different timeline on when a resolution will be reached. I called Citizens on each of the resolution dates given, but each time, nothing changes. 

Every time I call, I end up talking to someone in their tax department and they seem to be incapable of following through and doing what they say they will do in order to fix the situation. They are fully aware of the situation and have told me that this increase is not my fault ; they have acknowledged that the escrow amount they are now asking for is incorrect. 

All I need is for someone over there to change my monthly escrow payment back to {$1300.00}. This situation is causing undue financial hardship to me and my family.
Product: Credit reporting or other personal consumer reports

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX TransUnion Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also one of the credit bureaus deleted said the account was deleted then reappeared on my credit. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXXXX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXXXXXX XXXX XXXX All creditors are reporting in accrate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account FEDLOAN SERVICING is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

I opened my account with Coinbase back in XX/XX/XXXX and purchased a Bitcoin and then I had my email that I was using at the time shutdown due to not having service with them anymore. After lots of years trying to reopen my email account I was finally able to gain access to it. I was able to reset my Coinbase password and gain access to my account and my Bitcoin was in my account. I tried to sell my coin and the site said that my account was restricted to buy and sell. I uploaded all the required varication on XX/XX/XXXX. I received email XX/XX/XXXX stating that my ID uploads were summited successfully and it would take 48-72 hours but sometime longer. Tomorrow it will be one month this is under review. I have done nothing wrong or suspicious. I have lived at the same address since I have bought the coin I have the same phone number same email and the same bank account that I purchased it with back in XXXX. Verifying my information should be quick and easy. I know that Crypto Currency is not main stream but we are not dealing with a small amount of money. I have as of today over {$57000.00} locked out that I can not sell or manage. If XXXX XXXX or XXXX XXXX did this same thing it would not be accepted. I do not know much about Coinbase as a company but I do know that they are about to have an IPO for {$100.00} XXXX evaluation soon. The company does not have any phone tech support that is hard to believe the email tech support would not be able to unlock an account for a month. I have researched lots online and the XXXX and XXXX groups are flooded with similar experiences. I am sure some of them are individuals that are trying the fraud Coinbase or launder money or something but this is not my case. Maybe they are just trying to protect my money which I appreciate but a month is a long time to verify something.
Product: Credit reporting or other personal consumer reports

I filed a dispute on MEDICAL DATA SYSTEMS INC due to the account being inaccurate. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of bettering my family. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

Experian, Subject : Method Of Verification under 15 U.S. Code 1681i ( 7 ) - Procedure in case of disputed accuracy Please provide the Description of reinvestigation procedure within 15 business days from receipt of this letter. Experian continues to verify the accounts without providing the method of verification or copies of documents that verify the account. If the documentation to verify the account is not received within 15 business days, delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681i ( 7 ) - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

PLEASE PROVIDE DOCUMENTATION THAT PROVES THE ACCOUNT IS VERIFIFED AND ACCURATE, IF THE DOCUMENTS ARE NOT PROVDIED PLEASE DELETE THE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX