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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, RE : METHOD OF VERIFICATION REQUEST This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. 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 on this matter, 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. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again XXXX  days ago : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX ( Charge Off ) Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable. 

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 15 days of the completion of your re-investigation. 

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

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


Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Checking or savings account

On XX/XX/XXXX my brother insisted to the XXXX bank branch XXXX that he had legal authorization to sign into my safety deposit box. I was primary owner. He showed her an image on his iphone that was not witnessed, nor signed by my mother ( who passed away XXXX weeks later ). There was nothing notorized. She added him to my safety deposit box without notifying me, nor calling me. She authorized the box be drilled. He proceeded to remove all contents of the box including a XXXX gold submariner ( {$28000.00} ), Tag Heuer wath ( {$1900.00} ), my wedding and engagement rings ( XXXX carets -- {$12000.00} ), {$50000.00} cash, a blank set of checks, a gold necklace and locket. On XXXX he closed the box and I ( primary holder ) was not allowed access only informed it was 'closed. ' I WAS THE PRIMARY OWNER. I Never placed my brother ( XXXX XXXX XXXX XXXX ) as a co owner nor beneficiary. I have been attempting to get answers from XXXX bank for XXXX  years. In the process the bank XXXX was fired, and there have been XXXX other managers in her place. 
On XX/XX/XXXX my brother ( assume using the numbers from my checkbook he had stolen in the above, emptied my checking account and another associated with my name in a fraudulant court ruling for garnishment. XXXX XXXX XXXX XXXX MI never notified me in mail, phone, nor writing of this garnishment. If they had done so I could have petitioned the court to place a hold on the account and contest this. As a result, both accounts were drained to a {$0.00} balance. Now, XXXX XXXX XXXX, Michigan is charging me {$78.00} in overdraft fees!!!!! This was their error ( again ). I have met with XXXX branch managers who inform me that they will reach out to 'legal ' and be in touch but with no followup. 
I am beyond frustrated. I want to pursue legal action but was informed by my other bank that I need to try XXXX XXXX first. XXXX XXXX I VERY MUCH LOOK FORWARD IN TALKING TO SOMEONE ON MY OPTIONS. FROM XXXX BANK XXXX XXXX, MICHIGAN I AM NOW OUT CLOSE TO {$100000.00} and no one responds. I have called corporate, visited with the branch managers, written letters, requested security video. NOTHING.
Product: Debt collection

PRA states that is sent verification of debt sometimes in XXXX of XXXX. Attached a copy of a letter that was mailed to my current address. I was living at this current address in XXXX so PRA is sending falsified documentation with my current address. I recently moved to this current address in XXXX.
Product: Mortgage

I am suffering from a reduction of income by XXXX % and I reached out to the servicer of my mortgage to see if I could obtain a HAMP. I submitted all of the documentation and then a week later called the representative assigned to me. In that second conversation, she advised me the terms that FHA would give- and added that a {$40000.00} XXXX lien is going to be, no she stated exactly that, " a XXXX lien has already been filed on your house for {$40000.00} '' when I 1. was not even late with a payment and reached out to them in an effort to be proactive and not reactive 2. I had not agreed to any terms of any kind including what they were offering 3. a XXXX lien without any terms agreed upon places the house over the appraised value and would prohibit me from successfully selling the home. I have decided to attempt to sell the home and file bankruptcy. The terms that they offer is of little assistance. My complaint is the placement of the {$40000.00} XXXX lien when I in fact had not agreed to anything at all in any manner and was only seeking what options where available to me.
Product: Bank account or service

My business has declined in the last two months, XXXX of my business accounts have been overdrawn for a couple weeks I spoke to a banker over the phone and explained my situation to them and gave them a date when I can bring the account current. My other business account with them had only {$1400.00} they withdrew money out of that account and put the money in the account that is negative, now both accounts are negative. All the money the business had was pulled out. Not only will I start being charged for the account that was already but now I have XXXX accounts negative. I understand they can offset an account but how can they offset the account and bring both accounts in the negative?
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$1500.00}, XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX accounts XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy In accordance with the Fair Credit Reporting act XXXXXXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

XX/XX/XXXX I spoke to a XXXX  ( internet, tv, phone provider, my acct # XXXX ) rep to close account and update forwarding address. I was told account was closed, the last payment of {$58.00} was paid in full, confirmed also with automated phone system. The necessary final steps : I was to mail back modem box and all transactions were complete. I was given confirmation # XXXX, no further action from me needed to be taken. 

XX/XX/XXXX I received email from XXXX XXXX stating my credit score changed per XXXX report, dropping XXXX XXXX due to negative action. I had been reported to the credit bureau for an account that was unpaid and in collections, the original creditor was XXXX. 

XX/XX/XXXX submitted request for my free credit report from the 3 credit bureaus through the government 's website. I found 2 of the 3 reports had a negative report from a collections account. 

XX/XX/XXXX contacted XXXX  requesting information as to why I was in collections. I was given explanation to a past due amount of {$94.00} accrued when auto draft was not received due to a stolen debit card. I explained I was told there was no balance on XX/XX/XXXX and I explained I provided a forwarding address and was not notified of an owed balance OR warned of collection threat. I am willing to pay money I owe and offered to pay. It was explained they could not take money as my debt had been passed to a collection agency. I was given XXXX, an automated revolving system with no assistance available. XXXX  would not provide a name of the collections agency, only a number. 

I went through my monthly accounting and filed bills and statements for any confirmation. I then went through my junk mail from the month of XXXX. I found a letter from Eastern Account System of Connecticut , Inc . Upon opening the letter XX/XX/XXXX, I found I was sent to collections by XXXX  on XX/XX/XXXX and had until XX/XX/XXXX to dispute or pay the amount. XXXX  did not make any attempts to the forwarding address and only 1 attempt by the collection agency, a company I had never heard of. 

Due to the federal holiday, I was unable to speak to any representatives. I logged into EasternAccount.com and paid the amount owed. 

I am filing this complaint against both XXXX  and Eastern Account System of Connecticut, INC as this is an issue of not being properly warned resulting in rash and unneccesary actions taken by 2 companies without regard to the affect it would have. I was not given proper notice I owed money to XXXX  or given the opportunity to make any required payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$1900.00} XXXX XXXX  XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX four times over two weeks about this account. XXXX XXXX XXXX informed me that they notified Experian, XXXX, and XXXX on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I experienced ID theft noticed in XX/XX/year> of credit card XXXX XXXX XXXX opened fraudulently under my name. This was reported to credit bureaus and my score dropped from XXXX to XXXX! I followed all appropriate channels to notify credit bureau 's and XXXX XXXX credit card. Please contact me in writing/letter in detail of steps I need to accomplish in order for this to be removed from the credit bureau 's . Since this incident, I have been denied increased credit with my other cards, closed accounts from MACY 's credit card due to increased debt/ratio. Thank you for your time and urgent help needed in this matter. Gratefully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal Reporting of late payments to my consumer credit reports without my permission. Violation of code 15 US 1666B- Billing erroXXXX XXXX XXXX XXXX XXXX XXXX, nelnet, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 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 an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX
Product: Credit reporting or other personal consumer reports

This company continues to report to XXXX negative and inaccurate information on my XXXX report. I have sent Formal Dispute of Debt Reporting, Request for Validation, Proof of Accuracy, Issuance of XXXX Form, and Notification of Legal Violations I am writing to formally dispute the accuracy and validity of the negative debt reported by the company to XXXX related to my account. This letter serves as a request for debt validation, proof of the accuracy of the reported information, issuance of the IRS XXXX XXXX if the debt has been charged off, and a review of potential legal violations. 

XXXX. Validation of Debt Reported to XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt being reported. I ask that you provide the following : Documentation proving that the debt is valid and belongs to me. 
A detailed breakdown of the amount owed, including the principal balance, interest, fees, and any other charges. 
Copies of all contracts, agreements, or other documents that substantiate the existence and terms of this debt. 

XXXX. Proof of Accurate Reporting The FCRA requires that all information furnished to credit reporting agencies, including XXXX, be accurate, complete, and verifiable. To ensure compliance, I request : Documentation verifying the accuracy of all information reported about this debt. 
A complete payment history showing how the debt amount was calculated. 

XXXX. Issuance of XXXX Form If this debt has been canceled, forgiven, or charged off, Bank of America is required by IRS regulations to issue a XXXX form for debts. I request a copy of the XXXX form if this debt has been classified as charged off or forgiven. 

Failure to issue a XXXX form, if required, not only violates IRS regulations but also creates confusion regarding my financial obligations. 

XXXX. Potential Violations of Law This company has failed to validate the debt, provide accurate reporting, or issue the required XXXX form, this may constitute violations of the FCRA and FDCPA. Reporting inaccurate or unverifiable information to XXXX may also result in further legal consequences.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX  XXXX bal. {$83000.00}, XXXX XXXX bal. {$820.00} XXXX XXXX XXXX XXXX  XXXX Close, XXXX  XXXX XXXX XXXX. {$69000.00}, XXXX  XXXX XXXX XXXX. {$75000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX MY ACCOUNTS UP NOT REPORTING XXXX  STATED BY LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

OPORTUN/PROGRESO FINAN has reported an inquiry on my credit report that I do not recognize. I reached out to the company by phone to remove this inquiry. However, the company has not responded.
Product: Checking or savings account

Ive tried to close my checking account after being assessed multiple fees. The bank is unable to waive the fees so I attempted to close the account and was told Id be charged {$10.00} for a cashiers check because they didnt have enough cash to close the account. After asking to keep the account open if the fees were waived, they refused and are still unable to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, fraudulent account opened, XX/XX/XXXX- {XXXX} - A fraudulent account was opened in my name at XXXX XXXX XXXX. 

Wellsfargo Bank, fraudulent account opened, XX/XX/XXXX- {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had student loans I had in XXXX. These loans have been put on my reports under different names and removed for more than 10 years. I have let each credit bureau know that these same loans keep getting put in my report under different names. Now they are under the name of XXXX XXXXXXXX XXXX ( XXXX ) and XXXX, Equifax, and also XXXX will not remove them. They have been disputed over 15 times and have been paid off. This account should be removed because it has been removed under every other name. The account is over XXXX XXXX XXXX. These accounts are 4 accounts on each report and have been paid off and should have been removed years ago. Loans originated in XXXX and went into collections in XXXX. I have disputed this with the credit bureaus and XXXX XXXXXXXX XXXX for the past 5 years with no resolution. 


Also on XXXX there is an account called XXXX XXXX that has appeared on reports multiple times under different names that has been removed by all of the credit bureaus and XXXX is the only bureau that hasnt removed it. It is for {$180.00}
Product: Debt collection

I received a notice of debt from PennCredit on XX/XX/XXXX. I did not receive a notice of right to dispute. The customer service rep said that a notice was mailed to me on XX/XX/XXXX to an address I haven't lived at since XX/XX/XXXX. She said a second notice was mailed on XX/XX/XXXX. I NEVER received the notice. I received the request for payment on XX/XX/XXXX and the placed this collection on my credit report without notification of my right to dispute. I am happy to pay the collection as it was an energy bill for an apartment I used to live in, but I am not happy with the fact that they placed this on my credit without notifying me of my right to dispute. MY address isn't a secret. In fact, it's public record. I want this removed from my credit report. I do not believe they followed the fair debt collection act practices.