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

This letter is regarding this account XXXX Cfpb case number XXXX I demand your company to delete this account immediately I am not going to wait another 30 days for you to delete this account. You had more than enough time more than 30 days to send me the information I requested for. My first letter was sent to you in XXXX XXXX as of today is XXXX XXXX. By law is required 30 days and not more. Your 30 days is up, delete now. You have 3 days, if you dont delete it, I will file a claim for violation. If I loose my auto loan due to your negligent you will pay 15USC15 Suits by persons injured threefold the damages..
Product: Credit card

OnXX/XX/XXXX, a credit alert informed me there was a collection account added to my credit report. I called the organization to inquire about this debt. I was informed the debt was for a XXXX XXXX. I informed the representative the account was paid, and was informed that I was correct. I then requested a letter from their organization confirming the account was not written off, and currently have a XXXX balance. On XX/XX/XXXX at XXXX XXXX, I received the letter as discussed, reflecting a {$0.00} balance with no money owed to the reporting company,
Product: Checking or savings account

I had an account that was charged ridiculous amounts of overdraft fees during the year of XXXX. Causing the account to overdraft and now in collections. Want it dismissed and taken off my credit
Product: Mortgage

DO NOT CLOSE MY COMPLAINTS! THEY HAVE NOT BEEN RESOLVED REFER TO CASES XXXX & XXXX I just received a call from the title company on Friday about signing for my COVID19 forbearance plan, but I have already signed this!!!! It has been 3 weeks since I stated that we need a split signing and they have not sent any paperwork to my sister in XXXX  to sign! This is ridiculous. Meanwhile my account is still frozen and all the payments I make are unapplied. My statements show I owe 4 payments when I have made my XXXX, XXXX, XXXX payments!!!! HUD is only paying the XXXX & XXXX payments. I also requested a new case worker on my account and shes as useless as the other guy. She said she would followup. She did once and haven't heard anything. The system also reroutes me to the original person and that should not be happening. Please Advise.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS SOME ACCOUNTS WITH A COMPANY NAME XXXX XXXX XXXX THAT DOES NOT BELONG TO ME. THESE ACCOUNTS ARE INVALID, NOT MINE AND REPORTING WITHOUT MY PERMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -FXXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/XXXX  XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/, XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXXXXXX Inquiry Date XX/XX/
Product: Credit card or prepaid card

I have a credit card account number XXXX with XXXX XXXX XXXX through Comenity Capital Bank that currently reflects three 30-59 day late payments during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am a government employee that was furloughed during the month of XX/XX/XXXX resulting from a government shutdown, during which time I did not receive a paycheck until mid XX/XX/XXXX. I contacted Comenity Capital Bank and setup payment arrangements due to the financial hardship I was experiencing as a result of being furloughed and temporarily unable to pay. It was my understanding that my monthly payments would be reduced for a period of 12 months. I made the new lower agreed upon payments but I was not aware that for the first month was delayed due to processing which triggered a late payment on my credit history with all three credit bureaus ( XXXX, XXXX  and XXXX  ). I was not aware that these late payments were on my credit reports until I tried to refinance my mortgage in XX/XX/XXXX. I sent a letter to Comenity Bank in XX/XX/XXXX requesting that these late payments be removed from my credit report. I received a letter in XX/XX/XXXX from Comenity Bank rejecting my request. I would like this situation revisited. I have since paid off my XXXX XXXX XXXX account and have always maintained a good payment history with this account. I would also note that this is the only creditor that I had this problem with as all other creditors did not report late payments during this time while I was furloughed and setup payment arrangements with. Please have this creditor remove these three 30-59 late payments.
Product: Mortgage

I have not been in contact with my loan processor/mortgage broker, XXXX XXXX at Freedom Mortgage Company in XXXX, FL for several weeks. He has not contacted me after I have made several attempts via emails, phone call, voice messages and text messages for a status on my loan application approval. I do n't know if my loan was approved or denied. There has been no phone call or email with a status of my loan. It is approximately 2 weeks before my closing date. At this point, I am left with wondering if myself and XXXX child will be homeless due to the disregard and unprofessional conduct by the loan officer. Also, I have tried to contact the loan officer manager and left him a voicemail. He has not responded back to me either. The last time I spoke with the loan officer, XXXX, he stated he was going to submit my loan on Wednesday, XX/XX/2016 and he had the signed documents.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries appear on my credit report from experian on I did not consent to these inquiries, violating the FCRA. I disputed with [ Credit Bureau ], but they failed to remove them. 
XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXX/XX/XXXX, XXXX Loan # XXXX - XXXX XXXX Dear Sir or Madam, I have contacted XXXX and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to XXXX and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by XXXX states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the XXXX XXXX  XXXX formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position. Please inform Experian, XXXX, of this change. XXXX  has already complied with my request. Many thanks for your help. Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX, ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX Certified Mail No : XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA   XXXX XXXX XXXX, GA XXXX Select Portfolio Servicing, Inc XXXXXXXX XXXX   XXXX XXXX XXXX XXXX, UT XXXX XXXX : NOTICE OF VALIDATION OF ALLEGED DEBT Your File : XXXX Loan No : XXXX Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA   XXXX Dear Sir, This letter dated XX/XX/XXXX is to notify you, your firm and the mortgage company claiming ownership of this alleged loan and note, that I am exercising my rights under the Fair Debt Collections Practices Act as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt,  per The Fair Debt Collections Practices Act, FDCPA. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under FDCPA to cease and desist ALL collection activity until validation of the original note is provided. 

This letter requests VALIDATION of the alleged debt accompanied by an Affidavit from the Alleged Lender. 
Please provide the following : 1. Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 
3. Provide details how the alleged debt was calculated. 
( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX. 
4. Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5.  Provide copies of any papers that show that I agreed to pay the alleged debt. 
6. Identify the original creditor. 
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ). 
8. Provide evidence that the Statute of Limitations has not expired on this account. 
9. Provide evidence that you are licensed to collect in my state. 
10. Provide your license numbers and the Alleged Lender 's Registered Agent. 

Please provide the above information within five ( 5 ) business days from the postmark date to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I am filing a complaint regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the electronic funds transfer act as it requires timely access to funds. This situation, raises concerns about consumer protection law and I request your assistance in investigating this matter to ensure my rights are being upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have had my social security and other important documents recently stolen. I would like to freeze all activity and request all verification be done by phone.
Product: Credit reporting or other personal consumer reports

I disputed unauthorized inquiries with Equifax in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have submitted several round of letters and FTC reports with each round of disputes. Each time, Equifax has responded with no deleting the unauthorized inquiries because they claim the documentation wasn't clear, the inquiries are factual, or ignoring the disputing all together. I have also called and have been lied to saying they havent received any documents when I send each letter certified and know that they have received the disputes through me tracking thru USPS.com. 

Equifax has willfully been noncompliant with my dispute request.
Product: Money transfer, virtual currency, or money service

Nothing just my account was getting overdrawn
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS DEBT COLLECTOR GOT MY INFO WITHOUT MY CONSENT AND OPENED A ACCOUNT IN MY NAME. FURTHER, I CERTIFY THAT I AM PERMITTED BY FEDERAL AND STATE LAW TO FILE THIS DISPUTE. I ALSO UNDERSTAND THAT KNOWING AND WILLFUL MISSTATEMENTS OR OMISSIONS OF MATERIAL FACTS CONSTITUTES A FEDERAL CRIMINAL VIOLATION PUNISHABLE UNDER 18 U.S.C. 1001. ADDITIONALLY, THESE MISSTATEMENTS ARE PUNISHABLE AS PERJURY UNDER 18 U.S.C. 1621. THIS ACCOUNT FOUND WITHIN MY CREDIT REPORT ARE NOT RELATED TO ANY TRANSACTION THAT I MADE I AM A LITIGATING THAT A PERSON OR COMPANY - WITHOUT MY AUTHORIZATION - USED MY PERSONAL IDENTIFYING INFORMATION TO APPLY FOR GOODS, SERVICES, OR MONEY, AND, WAS SUCCESSFUL IN CREATING SOME ACCOUNTS. ALL IS BEING INVESTIGATED BY THE FTC FURTHERMORE In Accordance with The Fair Credit Reporting Act credit acceptance has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy. ( they say we cant opt out ) 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( which they claim they dont need ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose. 

The company Credit Acceptance is currently investigating a car loan that was taken out using my personal information which I have been trying to have removed from my credit report I am filing this complaint to ensure this is taken seriously and this account is thoroughly investigated.I filed a complaint and also called and spoke to a representative by the name of XXXX she advised me to mail back an identity theft affidavit, my ID, and a sheet of paper with my signature written 5 times. I sent the mail to credit acceptance with the requested information as well as a letter requesting that they provide me with proof of my original wet signatures and additional information, original documents signed on the day this alleged account was opened so I could provide as much assistance as possible in investigating how this account was opened I never received any response but my credit report said the dispute was resolved. I contacted the credit bureaus to affirm the account does not belong to me and they said unfortunately they rely on credit Acceptance to complete an investigation and they recommended that I contact the Consumer Financial Protection Bureau. 
This whole account was done in a fraudulent way upon review of retail install contract attached to my previous complaint seems the dealership placed in fact that { {$7000.00} } was put down when In fact { {$8000.00} } was put down any money more issue including outrages APR rates I call SCAM. This issues with credit acceptance has been ongoing I would like this tradeline removed immediately.
Product: Mortgage

I am applying to have my PMI removed. This company has taken 6 months to even have someone recently appraise my house. They have delay tactics, they send you cryptic letter, customer service does not respond. This is a very poor company. They really should be looked at by there regulators
Product: Debt collection

Paid in Full with the original company still reported on my credit with XXXX  original creditor was Paid In Full XXXX ... 

INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Account Details Account Details Payment Status Account Number # XXXX Name EOS CCA XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$160.00} Original Amount {$160.00} Original Creditor XXXX XXXX ( Cable/Cellular ) Past Due {$160.00}
Product: Debt collection

Im not sure what to say about this one. I have no idea what this is. I thought I knew wat place this was but I dont.
Product: Debt collection

I received information from the credit bureaus that you are attempting to collect an alleged debt that you have listed on my credit reports. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my sign hippa release form? 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. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some major issues with bad addresses and fraudulent accounts appearing on my credit file. Someone applied for and received accounts with XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am disputing these items under FCRA XXXX, XXXX, XXXX. 

THE FOLLOWING ADDRESSES ARE FRAUDULENT PLEASE REMOVE : XXXX XXXX XXXX XXXX  XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX  VA , XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX I have never seen these addresses before on my credit file and I believe one or more of these addresses was used for the fraudulent activity on my credit profile. I am filing my police report today and a FTC ID theft complaint as well.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

There is an ongoing issue regarding inability to transfer funds from external account linked to XXXX XXXX account number XXXX, issued by XXXX XXXX XXXX The external account ends in XXXX, a XXXX account. I received a secure message stating the issue is resolved, however, that does not appear to be the case, attempts were made to transfer funds and same error message received, " unable to transfer funds at this time ''. I've spoke with reps in executive escalations prior, issue remains unresolved.. There appears to be a block or restriction preventing external transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and informed them that their were inquiries on my consumer report that was unauthorized and that I do not recognize. I demanded that they remove these inquiries off my consumer report as I never gave them permission to report anything inaccurate and negatively on me. Pursuant to federal law Title 15 USC 1679c - Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. Bankruptcy information can be reported for 10 years. This information is inaccurate, alleged, and defamation of character.