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

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX, XXXX. 
Reported : XXXX XXXX, XXXX - {$830.00} Needs Attention XXXX XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX - {$4200.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 we had an auto loan that was paid in full by our insurance company due to the car being totaled. The bank, Credit Acceptance corporation recoeve payment directly from our insurance company. We never received additionL bills after this. 

Now. Both XXXX and XXXX  have the account listed as delinquent with a significant balance. We are showing three years behind. 

W heaven attempted to dispute through the creditor directly and also via credit bureau, but this has not been resolved.
Product: Checking or savings account

Capital one did not provide the correct interest on my savings account from XXXX to XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern I have recently received my credit reports and noticed that an account was still on my TransUnion and XXXX credit reports but have been removed from my XXXX credit report, I am writing this letter to dispute the following account : XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX These credit agencies and these companies XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. XXXX XXXX XXXXXXXX offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete. This not happening was also a violation of the law. I do not consent to a computer-generated response nor the XXXX system, show valid proof.
Product: Credit reporting

I originally filed a disputed on XXXX XXXX for not accurately reporting my acct to Equifax. Turns out I filed the complaint on the wrong intetity. Equifax shows my XXXX XXXX card open date to be XXXX XX/XX/XXXX and the most recent report from XXXX XXXX in XXXX XXXX, XX/XX/XXXX. That is 10 months of age of the account. Equifax is reporting my account to only be 7 months old and this is causing a lack of credit score increase, which is in turn preventing from getting our mortgage loan. I would like Equifax investigated for knowingly holding back the proper reporting of my accounts and are costing me time and money.
Product: Checking or savings account

I noticed multiple transactions made between XXXX on my chime account for XXXX XXXX XXXX that amounted to $ XXXX. I disputed them via phone a process that started at XXXX and lasted at least until XXXX if not later. I received an email at XXXX saying that the investigation was concluded and I wasn't receiving any funds back etc. I specifically sent pointed out to them a minor child made the charges and beyond that the merchant happens to be a online casino of all things operated illegally by foreign company based in XXXX known as virtual gaming worlds. I believe I should be refunded for either of the two issues I raised let alone both of them. I also believe it takes more than 30min in the XXXX  to conduct an actual investigation, the quickness and ease with which they dismissed me is deplorable and outright negligent of their duty as a financial institution in this country.
Product: Mortgage

Hello again I want to remove my private mortgage insurance since the value of my primary residence on the market is about 70 % ltv. I already did all the necessary step with my servicer but after more than 60 days they still making me pay for private mortgage insurance and no response at this time in any form. And every time I call them and after they already confirm that my property value is XXXX ( this mean that my loan to value is around 60 % or less ). Is still on my monthly payment. 

My account is current and with no lates fees or any late payments on the life of this mortgage. 

Please advise that I open a claim with this agency back in XX/XX/2022 complaint number of the past claim is the following XXXX Thanks Regards
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 remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; 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

Dear XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt collector calls me repeatedly and hangs up after I say hello. Sometimes they call multiple times a week and hang up with out saying a word within the first 3-5 seconds of the call. I can hear chatter and the noise of the room in the background so i know there is a live person on the other end. When I call them back and tell them what happened, they say, that shouldnt be happening., but they have been doing it for years now. Sometimes they do this multiple times a week and month, even when I call them and make contact. There is no reason they should be calling repeatedly and hanging up like that. Then when I finally do get to speak when they call me, they claim they have been trying to get ahold of me with out success. Obviously if you hang up everytime, we can not talk.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I am fully aware of the legal implications of threatening legal action without intent, and I want to make it clear that I am entirely serious about pursuing a lawsuit against your company. Despite multiple requests from me to investigate and rectify all inaccuracies on my personal credit profile, you have consistently failed to take action. It is my understanding that under the law, you are obligated to honor each and every request to investigate incorrect information, yet you have disregarded all of my previous appeals. 

As I've previously stated, this is my final plea for you to fulfill your obligations under the FCRA. If this final request fails to prompt a proper investigation into the accounts in question, I will have no choice but to file a lawsuit against your company in the county where I reside. This will necessitate your presence here to defend yourselves. 
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, credit repair services, or other personal consumer reports

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX and Experian credit report : Account name : XXXX XXXX XXXX Acct XXXX Date open : XX/XX/XXXX charge off date:XXXX ( Experian ), XXXX  ( XXXX ). 

I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. 

It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Product: Credit reporting or other personal consumer reports

I Sent In A Request To Update My Personal Information To Experian With A Copy Of My Current Id A Copy Of My Social Security Card A Current Utility Bill And A Copy Of My Bank Statement Ive Mailed In A Letter Called Multiple Times And They Denied My Request To Delete All Other Variations On My Credit Report They Are Violating My Rights MORE SPECIFICLY XXXX XXXX XXXX ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

So If I Gave You My State Issued ID My Government Issued Social Security Card My Bank Statement With My Legal Name And Address Also A Current Utility Bill With My Current Name And Address How Cant Experian Verify And Update My Current Personal Information On My Report, Specifically The " Also Known As '' Section. I Only Go By XXXX XXXX And My Address is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$49.00XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : $ {$2100.00} ; XXXX XXXX XXXX Balance XXXX {$120.00}.
Product: Debt collection

I do not have a contract nor did I authorize the company to obtain my information my rights of privacy were violated under the FDCPA & FCRA I am writing to formally notify you of a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681a, as it pertains to the collection, distribution, and handling of my personal credit information. 1681b stated, whenever a consumer reporting agency it shall follow reasonable procedures to ensure the maximum accuracy which they did not do It has come to my attention that information regarding an alleged debt has been reported or sold without my knowledge or consent. I want to make it explicitly clear that I never authorized or gave written consent to you, any credit reporting agency, or any third-party debt buyer to share, report, or sell any of my personal or financial information in relation to this matter. 

Under 15 U.S.C. 1681a, the term " consumer report '' is strictly defined, and any distribution of such information without permissible purpose or proper consent violates federal law. Additionally, under 15 U.S.C. 1681b, you are required to have a legally defined permissible purpose to furnish a consumer report to any entity, which includes debt buyers. If no such purpose or authorization exists, the disclosure or sale of such information is unlawful. 

Furthermore, the sale or assignment of a debt does not negate your obligation to ensure that any such transfer is both lawful and authorized, especially when it involves my private information. I am requesting immediate clarification regarding the origin of your authority to distribute, sell, or otherwise share my personal financial data, and to whom this information has been provided. Under the FCRA I can sue for statutory damages according to law I hereby demand : Proof of them providing a 1099c from my understanding it wasnt never agreed upon A complete account of any and all entities to whom my alleged debt or personal credit information has been disclosed or sold. 
The legal basis and documentation proving your authority and my consent for such action. 
Immediate cessation of any further distribution or sale of my personal data without express, written consent. 
An investigation and correction of any inaccurate or unauthorized information reported to any third party. 
Failure to respond appropriately within 30 days of receipt of this letter may result in further action, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potentially pursuing legal action for damages as provided under the FCRA. 

Please consider this a formal notice of dispute and demand for verification.
Product: Credit reporting or other personal consumer reports

My identifying information was unlawfully disclosed to another individual without my consent. I disagreed with your decision or investigation I believe you company did not do a full investigation on my consumer report in regard to child support that is reporting on my consumer report from XXXX XXXX. This account was paid in full & the courts informed me they do not report information the credit reporting agency which in regards this should not be reported reporting on my consumer reports. This is an unlawful practice & TransUnion has violated my consumer rights. Again i did not give my consent to reporting any information regarding child support & the court informed me they did not report this the reporting agency this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account
Product: Credit reporting or other personal consumer reports

XXXX XXXX with fake XXXX XXXX and XXXX that XXXX XXXX XXXX XXXX have on your records and he here from XXXX here on an XXXX  using my personal identifiers XXXX confirmed by XXXX XXXX XXXX deeds he stole my property using his XXXX  XXXX XXXX on a fake conevant deed as his wife XXXX that he purchased my home XXXX XXXX XXXX XXXX XXXX XXXXXXXX loan XXXX from XXXX XXXX for XXXX a lie . XXXX XXXX XXXX department XXXX XXXX XXXX ext. XXXX has confirmed he gotten four credit cards also associated with XXXX XXXX as ending XXXX, XXXX, XXXX, XXXX and now XXXX  XXXX ending XXXX damaging my credit file and score and harm me with about XXXX loans all hitting my credit file without clear title. Then he cash two escrow account checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out by XXXX at XXXX XXXX XXXX assign claim no. XXXX for XXXX value of my paid up Mortgage confirmed by LexisNexis as case XXXX. Then whereas he lied he purchased from XXXX XXXX XXXX XXXX fake loan XXXX that in a letter dated XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX lied of a lender that do not exist as XXXX XXXX XXXX
Product: Debt collection

I dont know what happened just started seeing this on my XXXX report
Product: Payday loan, title loan, or personal loan

I was taken to court by eagle loan I have a court agreed payment.i have been paying on this until XXXX XXXX  which is the attorney for eagle decided to refuse payment and saying I breeched the contract.this loan was for my husband and I and without warning they have refused payment and sent out a garnishment to my husband 's wages.i tried to speak to XXXX XXXX today but they don't care and stated a breech had occurred and I didn't send there 15 day notice back to them.i have never seen anything in my contact from the court about this.XXXX XXXX refuses to send me statements I have requested and the balance has gone from XXXX to XXXX I have been paying on bthis since last year and the balance keeps riseing.with the upcoming wage garnishment we can no longer afford the basic nessary things and have no choice but to claim bankruptcy and when I asked XXXX XXXX to please stop and let me continue paying they refused.
Product: Checking or savings account

Bank of America XXXX XX/XX/XXXX I got an alert that my account balance was low. When I looked at my account I discovered that {$5700.00} was taking out of my checking and savings account. {$700.00} from my checking and {$5000.00} from my savings. 

I was told by Bank of America that they have 90 to refund my money and they didn't. Nobody will give me any information and I'm not sure what to do. All they have said after spending hours on the phone is that they are investigating it.
Product: Vehicle loan or lease

I called GM financial on XX/XX/20 after seeing they put a charge off on my credit report. I called them and asked for information about the charge off. I wanted to know the amount they resold the vehicle to, and more details about the sale. I told them I wanted to know how they came up with this charge off amount. They rudely told me it was my job to update my address for this information and that they couldnt give me the details. That they can only mail me the charge off amount.
Product: Debt collection

Capital accounts calls my phone several times a day but refuses to identify the company when they call the only was i was able to identify the company was buy doing a google search on the number that was calling. Several representatives refused to i.d the company.