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

I am aware that you have been responding to a lot of disputes, complaints, and challenges with pre-written standard form letters, despite the precise information customers have provided. I am well aware that this is against the law since each and every consumer complaint must be evaluated individually and addressed appropriately.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. Any letters that include my name were either written by my advisors with my full knowledge and approval, or I am the only author of them. I am aware that you are not required to request a Power of Attorney in order to delay responding to customer correspondence. I will consider your indifference to my correspondence in a timely manner to be a deliberate disdain for my customer rights. In a circumstance like this, I'll have to call my attorney and file a lawsuit.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! It is important that your credit report be accurate. The following complaints are unsubstantiated and do not comply with federal or state reporting standards. Since these claims do not adhere to fundamental reporting standards, which would increase my confidence in the veracity of the material provided, I contest them. It is your duty to ensure that all data is kept up to date, accurate, and compliant. Any claims that you are aware do not adhere to regulatory standards are not subject to be reported. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

Southwest credit systems has placed an item in collections for me and I have never done business with this company in any matter nor have I opened purchased or owed any company {$2300.00}. I have also never been contacted about this debt via email phone or mail, this has resulted in XXXX point drop in my credit score. According to XXXX XXXX south west credit systems lp is the original creditor with an open date of XX/XX/XXXX this is also not possible as I have 1 hard inquiry and it is not from this company, I would like an itemized bill showing proof that I owe this company as I have no idea who they are or what these charges are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payment that I am not really sure that I was late.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, It is with immense disappointment and concern that I write to report a severe case of identity theft and the presence of fraudulent items on my credit report. This situation has arisen due to the unauthorized access and misuse of my sensitive personal information, primarily my Social Security number. 

My information was unfortunately compromised in numerous data breaches, exposing my current and previous addresses, Social Security number, email address, and other sensitive data. It appears that an individual residing at my former address has exploited this information for their personal gain. I have gathered substantial evidence, including instances where purchases have been made under my name and unauthorized access to my email account. 

Adding to my distress, I have been included in over XXXX security breaches including XXXX that has exposed my Social Security number, address, and email address, leading to threats and taunts from malicious actors. My information has even surfaced on the dark web, further amplifying my concerns. I am citing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as case law for furthering my dispute. 

Upon reviewing my credit report, which I had not examined recently due to a lack of credit-related activity, I was appalled to discover the extent of the damage. Experian identified a separate Social Security number linked to my report in XX/XX/XXXX, which has since been removed. They can confirm this discrepancy if required. XXXX also contains inaccurate information, which I am actively working to rectify with supporting documentation. I have more proof of my identity theft if needed. I have not bothered to check my credit in the past because I was not using my credit and believed I had no need. Until I began to receive crazy emails of debt including hackers threatening me. 

This identity theft and the resulting fraudulent activities have significantly impacted my creditworthiness. I request the immediate removal of the numerous unauthorized accounts listed on my report. I have filed and now waiting for my police report from my local police department who has been a huge help. I have also filed a complaint with the Consumer Financial Protection Bureau. 

As a low-income XXXX XXXX  struggling with the current economic climate, this situation has caused undue financial and emotional strain. I urge you to address this matter with urgency and delete the fraudulent accounts listed on my report. Here are the fraud accounts I would like deleted immediately from my report : XXXX XXXX XXXX, XXXX, XXXX  Reference # : XXXX, Account Balance : {$1100.00}, Creditor Account # XXXXXXXX XXXX XXXX XXXX XXXX Reference # : XXXX, Account Balance : {$1200.00} XXXX XXXX  XXXX XXXX Account number # : XXXX, Account Balance : {$3200.00} XXXX XXXX, Account number # : XXXX, Account Balance : {$190.00} XXXX XXXX XXXX XXXX Account number # : XXXX, Account Balance : {$720.00} XXXX XXXX XXXX  Account number # : XXXX, Account Balance : {$290.00} Thank you for your prompt attention to this critical matter.
Product: Credit card

All of this started in XXXX of this year when I purchased a Logo for a business idea I wanted to start, I found the company XXXX XXXX XXXX on a XXXX search because they were affordable and advertised as 100 % ownership rights after they make the design as I have attached in the evidence below. Everything went normal up until XXXX when a guy named " XXXX '' reached out to me sending me an email that had final notice on it which was weird because they never even sent me a first notice. Anyways, in the final notice as attached below, they said I needed to pay to cancel the logo or else I would be subject to a lawsuit of {$45000.00} by the federal government. I dont understand why I would need to cancel a logo that I never ended up using for a business but also they advertised as 100 % ownership rights and they were trying to get me to pay to cancel my own logo. I got scared and called the guy " XXXX '' asking what that was about and he basically told me that I needed to pay to cancel the logo in all XXXX states and that would come out to {$1000.00} in total for " Legal fees ''. After I said that I could not pay {$1000.00} he asked me " How much can you pay '' and I said I can only give XXXX and thats where in the attached file below you can see I got charged {$300.00} to my capital one savor card ( the charge I am disputing right now ) and {$350.00} to my chase credit card ( which I have already won the dispute ) and {$50.00} to my BMO debit card ( which I also have already won the dispute ). After I paid everything to not be sued so I thought, I did research about that company and found out that other people have had the same experience as me and they also disputed the charges. After that the next day I reported this business to the Better Business Bureau XXXX BBB ) & also to the NY fraud agencies. I then went to my local police department and filed a police report that I have attached below. I will provide more information here. XXXX Police Department ( XXXX, XXXX ) Case Report number : XXXX. Phone number for them ( XXXX ) XXXX ( ask for office XXXX XXXX )
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX AND EQUIFAX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. ACCOUNTS LISTED ARE XXXX, XXXX, AND XXXX  XXXX. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSAT
ION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX XXXX sent me a letter stating that they are no longer collecting on this debt and it will be deleted from all credit reporting agencies. Please see attached letter as proof.
Product: Credit card

Continental Finance is stealing money from my checking account. I fell behind in payments due to an injury. Unfortunately I didn't notice until today when I noticed a {$76.00} pay by phone charge being processed without my knowledge or consent. Upon further investigation into my bank statements, I see this is the 4th time Continental Finance has stolen money from my checking totalling {$180.00} without my consent or knowledge. They disguise such thefts as a pay by phone payment when I never called them on any of these 4 occasions to pay them, never logged in to make payments or made payments in any form or fashion and planned to catch up when I could. I never received a bill or any notice whatsoever about this happening or a monthly bill to even reflect such payments and balances. I'm not aware of any court orders or anything like that, that would allow them to do this. 

I want this money back in my account, I want a bill sent to me like normal businesses send, and if my rights have been violated under the fair credit reporting act or any other laws broken violating my rights, I want the account closed and zeroed out with no negative credit reporting. 

I see they have done this to at least one other person and they made a complaint on this site as well but the end result was conveniently hidden from public view.
Product: Mortgage

We are moving to NJ and buying a house. Original closing date was XXXX/XXXX/2015. We applied for a mortgage loan from JP Morgan Chase, but It is delayed by Chase mortgage underwriting for two weeks already. The mortgage officer make some errors in the application form, and underwriting has been veyr un-cooperative. They request documents a few at a time, and do n't review in time at all. Still not fully reviewed as of today, XXXX/XXXX/2015.
Product: Debt collection

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Product: Credit card or prepaid card

I purchased U.S Banks ' three MasterCard {$50.00} Gift Cards ( with a {$4.00} activation fee each ) on XXXX, XXXX. The front of the packaging states {$50.00} Gift Card and " Valid Thru XX/XX/XXXX '' It also states the Gift Card has " no value until paid for and activated at register ''. 

In XXXX, I did not give the gift cards to the designated individuals, and put the gift cards in a folder, and promptly forgot about the folder. In XXXX, XXXX, I found the folder with the 3 MasterCard {$50.00} Gift Cards ( with packaging still intact ). 

From my perspective, the card was active upon purchase " i.e. activated at register ''. 
Secondly, if inactivity fees were to be applied, then the information should be disclosed on the front of the packaging ( with additional details on back of the packaging. 

I did not check the back of the packaging because the front of the packaging noted the {$50.00} Gift Card was Valid Thru XX/XX/XXXX. 

In summary, the front of the packaging does not disclose the required additional step to register the card at the website to be active nor does it disclose inactivity fees will be assessed ; eliminating the value of the {$50.00} in 3 years. 

On XX/XX/XXXX ; I called U.S. Bank at XXXX to resolve my complaint on how the MasterCard {$50.00} Gift Cards inactivity fees were assessed. The first call was an offer of {$8.00} ( for the {$150.00} value ). I requested escalation, which turned out to be the supervisor. The supervisor informed me they were adhering to the process. I requested address information to register my complaint with the federal agency overseeing U.S. Bank compliance. The supervisor put me on hold and the call was dropped after 15 minutes. I initiate a 2nd call to resolve the issue, and XXXX had me go through all the issues again, and I requested the escalation ( supervisor ). The supervisor offer no relief on the issue, refused to consider additional compensation, and would not provide any additional insight to which federal agency had oversight authority.
Product: Mortgage

I am a 100 % XXXX veteran, I suffer from XXXX. I have a VA loan from Wells Fargo Home Mortgage. In XXXX I noticed that the principle on my mortgage seemed higher than it should reasonably be. I requested a payment statement. I'm am visually impaired and it is difficult for me to read fine print. When the pandemic hit, I was mostly incapacitated with several bouts of XXXX. I discovered a discrepancy I have had no success getting the lender to resolve. 
I made a large payment to my mortgage company of {$15000.00} in XXXX of XXXX that was never applied to my loan. In XXXX of XXXX, {$10000.00}, was added to my principle instead of deducted. So since that time I have been paying excessive interest on a additional {$25000.00}.
Product: Credit reporting or other personal consumer reports

I recently saw a company called AR RESOURCES INC., that obtained my XXXX credit report that I do not recognize on XX/XX/year>. They never contacted me prior to pulling my report. They did not have my permission to pull my report. I wish to see proof that they had a lawful reason for pulling my report. Credit report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$2000.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance transport of which I had insurance coverage at the time. There was an error in the billing and this account should be reporting a {$0.00} balance. There is no outstanding balance to collect. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a XXXX card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. XXXX was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by XXXX to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

XXXX is still showing on my TransUnion credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my TransUnion report. 

In XX/XX/XXXX, I submitted an online dispute to TranUnion about this matter. On XX/XX/XXXX, I received a letter in response from TransUnion stating that the XXXX information was " Verified as accurate ''. 

I had seen an increase in my XXXX  credit score when the amount was paid to XXXX and at that time XXXX  was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from XXXX  that TransUnion had reported negative information to them and now that XXXX  account is showing up as " Charged Off '' with a balance of {$20000.00} on my XXXX   credit report. My XXXX credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this XXXX account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by XXXX, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per XXXX 's instructions.
Product: Debt collection

OnXX/XX/XXXX I received a letter datedXX/XX/XXXX from XXXX XXXX XXXX / XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt for original account holder XXXX XXXX in the amount of {$190.00}. They stated to respond within 30 days if I wanted to dispute the debt. On XX/XX/XXXX I send a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX which was received by them onXX/XX/XXXX disputing owing XXXX XXXX XXXX any debt and stating to them to please send me any proof or whatever they can in writing showing that I owe any debt to their company. This dispute was done well within the 30 day time frame. I never received a response back to my dispute letter. Approximately 2 weeks later I noticed that XXXX XXXX XXXX had reported the collection to all 3 credit bureaus. OnXX/XX/XXXXI sent another certified letter to XXXX XXXX XXXX which I have attached a copy of requesting immediate deletion removal from all 3 credit bureaus which they have not responded too. After contacting XXXX XXXX directly I was able to obtain proof of the amount owed to XXXX XXXX and have paid the amount owed ( {$190.00} ) to them in full. The collection agency refuses to have the collection deleted off of my 3 credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$6800.00}