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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 any item 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Two of our home loans were bought out by other mortgage companies and our original loans with NewRez were closed out. They owed us money from our escrow but never contacted us or sent us the funds. We contacted them multiple times to get our money back. The first time they said they would send it and never did. We called them back on XX/XX/XXXXXXXX  and they said they would send it and never did. Then on XX/XX/XXXX. Same result. They dont plan to give us our money back. The date to claim is coming soon and we cant get our money
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Citibank billed me for a balance transfer check in the amount of {$920.00}. I never wrote this check, so I called them to complain about this fraudulent and they sent me a new card and said they would reverse the charge. The next statement shows a balance transfer fee for {$36.00} - this is 4 % of the balance transfer they said they would reverse. Why is Citi charging me a fee for a charge that I never made? Upon contacting their online representative, I was told I need to get on the phone with their call center for a third time. please have them do the right thing without havign to talk to a person every few days.
Product: Credit card or prepaid card

XXXX XXXX XXXX one was put in my Bankruptcy XXXX  but is still on my credit report Experian XXXX XXXX and XXXX it report that I owe {$370.00} I need this removed from my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I see that many items were erroneous. The 3 credit bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items below : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As the consumer, I have told Equifax LLC through a notarized affidavit that there were unauthorized and unverified inquiries reporting on my credit report and in accordance to the FCRA, they legally need to be removed. Equifax LLC has not repsonded to my affidavit that was delivered via fax to XXXX on XXXX, XXXX, 2021, a number provided by Equifax LLC themselves. They are violating 15 USC 1692g as they have not completed those steps and I, the consumer, has not validated any of the Inquiries.In this case, they are also violating 15 USC 1692k that speaks of failure to comply with law and consumer they will be subject to fines each consisting of {$1000.00} each violation. My rights have been violated and the inquiries must be removed.
Product: Checking or savings account

My debit card stopped working on XX/XX/2023. 

I called Capital One to ask why the card was not working. They said it had been locked as part of an investigation. I went home and did some research and noticed that maybe it was because I was still getting checks from my new job out of NY ( I work remote ). I continued to call for a week straight. I finally went up to the bank on XX/XX/2023. The banker told me that Capital One had decided to terminate their relationship with me. I asked what had happened and they told me they could not tell me. They told me to call a XXXX XXXX XXXX and leave a message. So I have done that everyday since. In the interim I continued to try and speak with anybody that would give me answers and I was finally put through to the XXXX XXXX XXXX '. 

I asked the following questions with the following answers- Can you tell me why my account has been frozen? No- Can you tell me when my account will be unfrozen? No- Can you help me figure out what the timeline is for this process? No we don't have a timeline - Can you send me a policy that outlines the justification for this asset XXXX? We don't have a policy. 
- So I just wait until XXXX day hoping this investigation wraps up and in the meantime hope it actually gets done? Yes it will happen eventually.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX  who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The XXXX Credit Bureau has not complied with the XXXX XXXX XXXX XXXX XXXX XXXX Sections XXXX and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I got a call from somebody claiming to be a debt collector. They were trying to collect a debt from a Wells Fargo account that has been closed for at least XXXX years. They threatened legal action and freezing my bank accounts. They claim the debt is in the amount of XXXX dollars. I looked into it and saw that it is potentially a " zombie debt collector '' scam. They had my social security number and an address I haven't lived at since XXXX. I XXXX have verified my social security number but was too flustered to remember. They did not mention a company name but the number they called from is XXXX. Ultimately I hung up and did not send any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, I fell behind on my Wells Fargo Home Mortgage, due to a job layoff. In XX/XX/XXXX, I received an offer for a loan modification from the lender. I moved forward with it, and completed the loan modification trial payments in XXXX, XXXX, and XX/XX/XXXX. While making the trial payments, the mortgage servicer continued to report late payments to the CRAs from XX/XX/XXXX through XX/XX/XXXX, except for the month of XX/XX/XXXX, in which no information was reported. I have been informed by the lender that reporting for this month was suppressed. Suppression of reporting for that month causes a break in the string of late payments, which may cause late payments from XXXX to XXXX of XXXX to be reflected on my report until XX/XX/XXXX, instead of falling off at once when the first delinquency in the string reaches 7 years of age on XX/XX/XXXX of XXXX. I have brought this matter to the attention of XXXX  previously. I am in the process of raising this issue with them again, and an investigation is currently ongoing. It seems that the lender has artificially broken the string of late payments by failing to report for the month of XX/XX/XXXX. If reporting was suppressed for XX/XX/XXXX, then it should have been suppressed from XX/XX/XXXX through XXXX of XXXX as well. If XX/XX/XXXX through XX/XX/XXXX are not suppressed, then no suppression should be in place for XX/XX/XXXX. Either way, the reporting should be consistent, instead of a mix that does not accurately reflect the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts reporting as late Payments on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been violated by XXXX XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax has bought my information without my permissible purpose and has access to all my information. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the second time I am filing a complaint for the dispute and it has not been resolved. Please remove this inquiry off of my credit report.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply onXX/XX/XXXXand I've yet to get any feedback on my investigation.
Product: Vehicle loan or lease

My issue is with the late fees charged on the account. I've had automatic payment on this account since day one. The payment is debited from my checking account and applied to the loan. Apparently some months ago one payment was returned and I didn't realize it. I hardly ever log in online to check this account since my payments are done automatically. The day I log in to obtain information about the loan since I was thinking of refinancing it, I noticed that a payment was due and I made my payment. On XX/XX/XXXX I sent an email to Ally asking to see if any fees could be refunded because I saw that an amount of {$490.00} was due in late fees only. I get a response on XX/XX/XXXX and it asks me to call them because due to the nature of my request they need to speak with me by phone. I call them on XX/XX/XXXX and the person who assisted me said he couldn't do anything for me. I replied back to the email online and ask them why had they asked me to call if they were not going to be able to assist, they could have just said that they were not going to assist on their email response. Based on that email, they only refunded {$29.00}. If they check my payment history, they'll see that for the past 4 years I have not had any other late payments and I deserve to be refunded more than that if not all.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed dispute letters to both Equifax and XXXX regarding XXXX XXXX XXXX XXXX. They neither sent me written notification of the debt nor fully validated the debt after I engaged XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main recently checked my credit report yesterday. THIS WAS A SURPRISE to me as I did not complete any application for credit with One Main. I tried to call One Main and was unsuccessful yesterday. Which is why this is urgent and needs to be REMOVED ASAP. As well provide me with the IP address of the source which a fraudulent application was completed.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), the term " consumer report '' explicitly excludes any report that contains information solely about transactions or experiences between the consumer ( myself ) and the person or company making the report. This legal provision implies that the specific details of our direct transactions, such as payments, account activities, or any similar experiences, should not be reported to credit reporting agencies as part of a " consumer report. '' However, it has come to my attention that such information has been included in my credit report. This inclusion appears to contradict the exclusion specified by the FCRA, which could lead to inaccuracies and potential harm to my credit profile.
Product: Checking or savings account

Email address is not used daily, noticed emails from Chime with payments to/from account created since XX/XX/year>. My email address is used but a family members name is used, which does not match email. Requested from chime that they close account and they only removed email address and refused to close account without giving social security number of the family members name whose name is on the account. Name does not match email address used so I asked why they need that information. Still refused to close account
Product: Checking or savings account

In 2018 my account at Bank of America was closed by one of my trusted business associates stole my card frauded a check from a company I work still today. The the organization understood what happen and fired that individual. The check I was just informed was for {$600.00} and the bank closed the account. 

The church / organization has no issue voicing for this misunderstanding so that this decision can be reversed. 

I have struggled as a student to get an account and this has affected me even now with trying to get a joint account with my fianc.
Product: Debt collection

On XXXX XXXX I noticed a collection account had been placed on my from Diversified Consultants. This was the first time I 'd heard from them about this debt. That same day I sent a debt validation letter via email as they said this was how they communicate. On XXXX XXXX, I received a letter asking me to fill out a form for identification fraud claim I made through the credit bureaus which I never did. Also, on XXXX XXXX between XXXX and XXXX XXXX I called Diversified Consultant to discuss the papers sent to me about this fraud claim. A phone agent claimed I had no right to a debt validation letter from DCI, because it had been past the 30 day window of time from their first contact, after that they proceeded to make an attempt to collect on the debt from me by telling me I had only two options which was to pay the debt or make a claim that I have no intention of paying it. They also continued by claiming that I had received DCI 's initial letter though it was n't sent certified mail. I told them that I had not received the initial letter, the phone agent accused me of lying implying that I had received it, the phone agents implication was an attack on me in order to disgrace me.

They further continued by stating I had no rights to dispute this debt anymore because the original creditor told DCI it was valid, which I still have no proof of. They continued trying to collect on a debt by bullying me, despite the fact I still had not received debt validation, and demanding I remit payment or make a statement acknowledging the debt by refusing to pay it. When I kept insisting that I 'd like the information that I requested from my debt validation letter they hung up the phone in my face.

These actions by DCI are grossly negligent and against the Fair Debt Collection Practices Act. A collection agency may not use any false, deceptive and misleading means in connection with the collection of any debt. Nor can they use implication that the consumer committed certain conduct in order to disgrace the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the reporting of collection accounts on my credit report that do not belong to me and have not been properly validated as required under federal law. The failure to validate these debts and the continued reporting of unverifiable accounts violates provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These accounts, listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have caused harm to my credit profile and reputation. Below, I outline the applicable legal obligations and my specific grievances : Validation of Debt Is Required Under the FCRA and FDCPA : Pursuant to 15 U.S.C. 1692g ( FDCPA ), a debt collector must, upon written request within 30 days of the initial communication, provide validation of the debt. Validation must include : 1.Proof that the debt exists.

2.Documentation that I am the rightful debtor, such as signed agreements or contracts.

3.An itemized breakdown of the debt amount.

Under 15 U.S.C. 1681s-2 ( FCRA ), entities furnishing information to credit reporting agencies must ensure that the data is accurate and verifiable. This includes confirming the legitimacy of debts reported. To date, these accounts have not been validated with proper documentation, yet they remain on my credit report, which is a clear violation of these legal obligations. 

Requirements for Credit Reporting Accuracy : Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) mandates that information furnished to credit reporting agencies must be accurate and verifiable. Further, under Section 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccuracies, and credit reporting agencies must investigate and resolve disputes within 30 days. 

These disputed accounts remain on my credit report despite my requests for validation. The continued reporting of unverified debts constitutes willful noncompliance with federal law. Additionally : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of information reported. 
If these debts can not be substantiated, they must be removed immediately, as mandated by Section 611 ( a ) ( 5 ) ( A ). 

Lack of Appropriate Documentation : To date, the debt collectors and credit reporting agencies have failed to provide the following critical documentation to validate the debts : Proof of my liability, such as a signed contract or agreement with the original creditor. 
Chain of title documentation establishing that the debt was legally assigned to the debt collector. 
An itemized statement breaking down the total debt amount, including interest, fees, and charges. 

Without such documentation, these debts are unverifiable, and their continued reporting violates my rights under federal law.