23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have sent multiple attempted for the last 4 Months for a proper investigation regarding the violations of several FRCA Laws. Violation 605B " it is illegal to report information on my credit report without my permission and to please remove. " NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617.

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified, Consumer Disagrees that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( The original entire purchase agreement associated with this alleged obligation NOT a copy! The consumer contract with my signature on it. The agreement that grants the authority to collect on this alleged debt. An explanation of what this alleged account balance is for. Swear under the penalty of perjury that you were present for this alleged debt. A copy of your license to collect a debt in the state of Florida which XXXX XXXX XXXX does NOT have! A color copy of my Drivers License verifying and validating this debt. ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. You are also in violation of 15 USC 1692g ( b ) and 15 USC 1692c ( c ) I am not participating in the collection of this alleged debt so your agency is in violation of 15 USC 1692j and 15 USC 1692d 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 am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 there was four inquiry on my credit report from the companies listed : Flagship Credit acceptance, XXXX XXXX auto finance ( finance ), XXXX XXXX ( finance ), XXXX XXXXXXXX XXXX that i do not recognize. I have dispute them with the companies and also XXXX, XXXX, and XXXX has verified and remove the inquiries from credit report but XXXX and XXXX will not remove them. Even though i have put a fraud alert on all 3 accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dispute page still does not work after numerous complaints. 

Please go to the following address with Equifax click the " Submit a Dispute '' button. https : //www.equifax.com/personal/credit-report-services/credit-dispute/ It will immediately respond with an error message. I believe they are doing this intentionally because they are attempting to sell credit monitoring services. 

Their site also states that you can obtain WEEKLY credit reports from the annual credit report site.
Product: Credit reporting or other personal consumer reports

this unknown company is continually reporting fraudulent information on my consumer reports.
Product: Debt collection

This was what I found out was an illegal loan here in the state of VA with astronomical interests rates and was eventually sent to the 3 major credit bureaus and has caused significant damage to my credit rating. The Attorney General 's office has filed a lawsuit and has stated that NetCredit loans in the state of VA are predatory and illegal. Attempted in the past to have them not put it on my credit report and a few years later they did anyway. Seeking legal options now to have this expunged and sue for this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection with CXXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Debt collection

On XXXX/XXXX/XXXX at approximately XXXX, a call was placed to my employer from Comenity Bank regarding a XXXX XXXX XXXX. They asked several people in my office if I worked for them, and stated they are " chasing him for a XXXX debt. '' I finally got them on the line and instructed them to reach me in writing and that it was simply not right to share my debt information with everyone in my office. Is n't calling and reporting about my debt to my employer illegal!?! please help!
Product: Checking or savings account

On XX/XX/ I was charged XXXX from a vendor named- XXXX XXXX. I reported this transaction as fraud on XX/XX/ I have never used this vendor before no records were found in payment history and I never authorized that charge I was at a pumpkin patch the day in question. On XX/XX/ I was advised per AlbertXXXX XXXX XXXX that the charge was legitimate. When I reached out to them per email regarding my dispute XXXX I was advised there is nothing they can do and they are sorry it didnt turn out the way I wanted? I was stolen from and my bank which is ensured to protect my transactions did not do so. I need those funds back and I need that vendor blocked indefinitely from accessing my card.
Product: Debt collection

American Express continues to contact my workplace phone numbers that are not even mine despite me asking them repeatedly to stop doing so. I told them it is fine for them to contact me at my cellphone number but they are putting my job at risk by continuing to contact me at work. My work has called them to tell them to stop and I have as well yet they continue to do so. I was told by a manager that this would not happen again and it did again today. He did so on a recorded line despite telling me I was not allowed to record them. They also continue calling recorded lines at my workplace.
Product: Credit card

Capital One Account is restricted. I accidentally used an old saved XXXX account to submit a payment instead of my own that was saved to the capital one app. My account was restricted for fraud and now Im given one choice. To provide a proof of bank statement that the account is mine. I already explained it wasnt and the payment was an accident. This verification method does not apply to me as its not physically possible to verify the account is mine because its not. Ive explained that and yet the company tells me there are absolutely no other options to remove this restriction from my own account without the bank statement proof in my name??? This doesnt exist its impossible for me to provide but all I get from them is sorry. No service and to top it off they want to steal {$1000.00} of rewards money from my account and tell me its not eligible for usage until I provide the proof which by their one option will not be possible to get and they know that. This is the worst customer service Ive ever had with out any one really caring and looking into the specific issue and giving me options that are actually viable to clear this restriction.
Product: Credit card or prepaid card

I was alerted by Upgrade card that my account had been frozen due to suspicious activity. I knew i had never even used that card. I went to where i keep stuff like that in my dresser and noticed it had been stolen. I called upgrade and reported card being stolen and that the charges that had been made were not mine. I had never even used the card yet. They reversed the charges and said they would do an investigation. I filed a police report and gave them a copy of it. XXXX or XXXX months later they send me an email that they are terminating my account with them and that they are denying my claim. Reason for denying it was : No discrepancies were identified with the information provided in the application. The transactional history associated with the account is not indicative of fraudulent activity. 
I asked them why they are denying my claim and to explain what they are talking about when they say No discrepancies were identified with the information provided in the application. What application are they referring to? Also asked what transactional history they were referring to because i had never used the card. They said they don't share that information. I asked them how I can appeal their decision and they didn't give me an answer. The charges made on the card were made in another state that I have never even been to. I have written several emails to their claims department and they completely ignore them.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX  Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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.

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
Product: Credit reporting or other personal consumer reports

due to a Data Breach and old information that has not been updated from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my final balance with XXXX XXXX  and they have said they have requested in XXXX of XX/XX/XXXX to remove the account from my credit report but as of XX/XX/2017 it has still been showing. please rectify the removal of this from my credit report as promised.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 I purchased a new car through Kia Motors Finance. XXXX weeks later it was totaled by an oncoming driver. The other parties insurance, XXXX XXXX, paid for everything with GAP that we purchased covering the rest. I just found out that Kia Finance listed this as a charge off and it is creating issues with potential new creditors. I have asked repeatedly for them to correct it with no results. I then filed a complaint with XXXX and I'm told there is nothing they can do and it still remains. I was told to just get in contact with CFPB. I need help getting this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/22 ), CREDCO ( XX/XX/22 ), XXXX of XXXX ( XX/XX/22 ) XXXX : XXXX XXXX ( XX/XX/22 ), CREDCO ( XX/XX/22 ), XXXX XXXX XXXXXXXX ( XX/XX/22 ), XXXX XXXX XXXX ( XX/XX/22 ), XXXX XXXX XXXX XXXX XXXX XX/XX/22 ) XXXX : XXXX XXXX XXXX ( XX/XX/22 ), CREDCO ( XX/XX/22 )
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 : # Listed below, Account name : # Listed below, Account name : # Listed below, Account name : # Listed below, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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


XXXX  XXXX  Account Number XXXX XXXX & XXXX Account Number XXXX XXXX XXXX XXXX  XXXX  Account Number XXXX Account Info Account Name XXXX  XXXX XXXX  Account Number XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Unsecured Account Name XXXX  XXXX XXXX Account Number XXXX Account Type XXXX Responsibility Individual Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Account Name XXXX XXXX Account Number XXXX Account Type Line of Credit XXXX XXXX  XXXX Account Number XXXX Account Type Auto Loan
Product: Credit reporting or other personal consumer reports

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX, XXXX  XXXX XXXX  XXXX XXXX, AE XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened up a membership with NFCU several years ago and recently found out that they put a security restriction on my account. I believe that this is a means to discriminate based upon my XXXX orientation. That is the only reason why I believe that even though I went into a branch showing my identity they still have my account restricted.
Product: Credit reporting or other personal consumer reports

I have not been able open a dispute with Transunion directly ; the website malfunctions and says it can not process my request at this time for the past week. However, there are inaccuracies on my credit report regarding Department of EducationXXXX account XXXX My credit report shows several inaccurate late payments. On XX/XX/XXXX I called XXXX to confirm if a goodwill removal of the late payments was possible. The representative told me that she could not make adjustments to the account. So, I created a complaint on XXXX XXXX XXXX and I explained that I have been an ongoing victim of identity theft since XXXX I submitted proof of the theft including : FTC ID Theft report, IRS notification and IDT 100 form. I also requested that the information be updated or removed due to my circumstances. I received a letter stating that the account was previously in default, but the account should in fact reflect good standing. I have attached documentation from XXXX concerning the default clearance. Please find proof of my address, birthdate and identity included. I am a natural human being and I have autonomously created this complaint.
Product: Debt collection

Americollect INC. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WV, XXXX To : The Office of Registered Agent for Americollect INC. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Debt collection

I have a credit card debt in collection. The collection agency is Pressler, Felt, and Warshaw, XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have been paying this debt to P, F, and W with monthly payments of {$100.00}. I pay this amount on their web site. The problem with this collection is I never receive any statements total amount due. I emailed them twice with NO RESPONSE WHATSOEVER stating that I will no longer make monthly payments due to their secretive, no monthly statement collection practices ( see attachment ). I had also called them at least two times explaining my displeasure. It has been almost two months since I contacted them via the aforementioned emails and they have sent me a threatening letter with the total amount due. 
Pressler 's collection method is deceptive and I believe unlawful with consumer law. I am XXXX and living on a tight budget from my monthly social security. 
Thank you for your attention in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}. 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.
Product: Mortgage

Hi, In XXXX we entered a forbearance plan in XXXX we made XXXX payments because we did not pay the month of XXXX. And in XXXX we made a half payment and a full payment. I noticed when I went to make the last payment I made in XXXX it said I was still behind. I sent the company an email with bank statements. I later received an email back stating I will receive an answer XX/XX/XXXX, I never did so I called. We are now in XXXX and still my issue is not fixed and the company no longer answers my email.
Product: Mortgage

Did not get credit for XX/XX/2023 mortgage payment from our old mortgage provider. Would like a refund for XXXX payment. So, we can pay the past due mortgage payment to the new mortgage provider. Called old mortgage provider but was told our loan was longer showing up on their computers. We are getting past due notices weekly from new mortgage provider.