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

My personal information was involved in a data breach. I have many spam calls and reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. remove XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, Phone number that has never been mine ( XXXX ) XXXX, I demand the accounts to be removed immediately. This is causing many difficulties in my life., ***please remove all non account holding inquiries over 30 days old** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX , XXXX Account XXXX I recently uncovered that XXXX XXXX XXXX continues to falsely report to each of the credit bureaus that my account was closed due to an involuntary repossession. Furthermore, they continue to attempt to collect a {$31000.00} balance and report to all of the credit bureaus an incorrect balance owed, saying that I owe the original balance plus their added on penalty fees and falsely report that the vehicle was involuntary repossessed. I had contacted them several times and told them to pick up the car and they REFUSED to pick it up. Only after I filed a complaint did they actually pick up the car and send a notice saying that they would sell the car at auction and the amount collected from the sale of the car would be applied to the balance owed leaving me responsible for any remaining total to be paid because they were suing me for the balance. Based on all of the information they are reporting to the credit bureaus, they NEVER sold the car and applied the amount to the balance, and they are continuing to report to each of the credit bureaus that they are continuing collection efforts on the full {$31000.00}. They have done so intentionally to cause further damage to my credit and prevent me from obtaining accurate information to file bankruptcy. Furthermore, each of the credit bureaus continues to report the false information furnished by XXXX XXXX XXXX each month including the incorrect balance and disposition that the account was closed with an involuntary repossession with in fact, each credit bureau should be reporting that the account was closed with a voluntary repossession. Shortly after my original complaint, XXXX XXXX XXXX began reporting my account correctly to the credit bureaus as closed voluntary repossession. A few months later I checked my credit reports to obtain the correct balance for this account and the balance is still the full {$31000.00} and they went back to falsely reporting that it was an involuntary repossession. After consulting with a legal advocate attorney who is handling other complaints against this credit reporting agency, I intend to seek all options including any compensation available to me based on the evidence I have accrued that documents in full detail the deceptive business practices and false credit reporting to the agency by the data furnisher, failure of the data furnisher to abide by a cease and desist even after receiving notice of my intent to file bankruptcy, and failure of the credit reporting agency to report correct valid information or remove the invalid/erroneous record from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$7900.00}
Product: Mortgage

COMPLAINT : DOJ v. WFHM : XXXX XXXX loan number XXXX WFHM is Refusing to provide settlement due XXXX XXXX, WFHM is lying in their response to complaint to the CFPB. WFHM is conducting bad faith business as usual. This is no different than the situation when XXXX XXXX called them out in senate hearings. What is it going to take this time? 

I closed on a new loan with Wells Fargo Home Mortgage XX/XX/XXXX. I had problems with WFHM during this time in receiving the correct and fair interest rate in loan origination. 
The Department of Justice found that WFHM had unfairly applied improper interest rates to XXXX  and XXXX. WFHM went to the Department of Justice with a voluntary consent order for a certain time frame which I was within and that has been proven to solve the disparity. Only WFHM purposely left many individuals out. I was one of those individuals.I was on the list in the computer and the settlement company had what was needed but admitted that they used the wrong date given to them by WFHM for my loan origination. 
I have been going round and round with WFHM for years up to and including the last reporting period to correct their mistake. I met all criteria. WFHM still has not met their obligation to me, the DOJ, and the court. 
I spoke with XXXX XXXX with Wells Fargo Home Mortgage Tuesday XX/XX/XXXX in regards to this particular situation. He did not have an answer and he said he did not bother to ask the settlement company or WFHM why I was not eligible for the settlement? XXXX provided CFPB with close to 100 pages of documents to deflect the fact he does not have an answer as to why WELLS FARGO HOME MORTGAGE has not paid the settlement due me. In addition XXXX closed the complaint when we discused him providing additional information to me for which he could not answer without additional research? I asked if he had asked the settlement company why I was not eligible and he said he just did not ask. He then told me he did not talk to the settlement company he sent an e-mail. He then said he did not have a telephone number for the settlement company? I asked for the name of the WFHM superior who gave him this assignment and he said that was propriotory information. WFHM is refusing once again to do the right thing, and are STALLING FOR TIME TO FORECLOSE ON MY PROPERTY. 
I need to know why they are not honoring the COURT consent agreement since I meet all the requirements. They have provided an incorrect answer that this loan was a refinance. This was a brand new loan with WFHM and has never been refinanced, and I have never had any other loan with WFHM. I am 100 % eligible meet all criteria as set out in the court order. What reason or excuse is WFHM not honoring the court order and providing the settlement payout when I am eligible?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX XXXXXXXX, XXXX, TX XXXX Experian has been wrongfully reporting wrong information on my credit report. I have been disputing this Bankruptcy information for over six months. They buy information from a third party called XXXX XXXX which is very inaccurate.I will follow up with this matter with the NJ attorney general. New Jersey Bankruptcy court does not communicate neither provide information to the 3 credit Bureaus. I have attached a court document to prove my case. In addition, I attached a utility bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year I request my " FREE '' annual credit report through XXXX XXXX XXXX. Every year it is the same thing. I can not access my free credit report from Transunion. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through XXXX to get a basic look at my three credit reports, it was not free. I tried to file a dispute to Transunion and to XXXX and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.
Product: Credit card

I invested {$3000.00} into an e-commerce course, believing it would provide me with everything I needed to build a successful online business. At first, they made it sound like a complete packagepromising step-by-step guidance, mentoring, and all the tools necessary to get started. However, once I got into a XXXX  call with them, it quickly became clear that things werent as they had initially advertised. 

Instead of delivering on their promises, they started pushing me to pay even more money for additional resources that were supposedly necessary for success. Every step forward came with another demand for more cash. It felt like they had scammed me, trapping me into an endless cycle of upsells. What I thought was a straightforward investment turned out to be a shady scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the door credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 states I have the 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
Product: Bank account or service

I have been contacted by representatives at US Bank regarding a Reserve Line I have that was closed by US Bank and is in pay down status. The amount on the Reserve Line was {$1500.00} and was closed a few years ago and still owe {$720.00} mostly due to Fees and Interest. In 2015 I have been assessed Fees of {$140.00} and Interest of {$100.00} just in 2015 alone. I called US Bank and was quickly transferred to a representative and explained my financial hardship and was told fees and interest could not be reversed. I feel I have paid thousands of dollars to US Bank in Overdraft, Fees and Interest over the last twenty years that the US Bank representative should have negotiated a pay down balance to {$400.00} and I would pay off the balance over the course of a year. I am currently between jobs not by choice but because I am not able to find work. I am trying to get on Social Security XXXX to get my life back. Right now times are hard for me and US Bank representatives are making it more difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX  XXXX bankruptcy XXXX of 2019 and have worked with a law firm to repair my credit. Equifax is showing a collection status from HUD home improvement loan. Due to this item being on my report it is causing me to lose out on career opportunities as well as being denied future credit. Per the U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2. It also states that you can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : PORTFOLIO RECOVERY A
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. It's important to emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Product: Debt collection

They call me more than ten times in a row nonstop within a few minutes, no break between calls, at XXXX daily during my doctor appointments when I can not answer or whenever. Date XX/XX/2019 and every day before for months.
Product: Credit reporting or other personal consumer reports

I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.
Product: Debt collection

Monterey collection services continues and refuses to admit the fraud They are committing as well as the violation of the fair credit reporting act and the fair debt collecting practices, when I summited a complaint about fraud and violations for not sending me a 30 day notice they know it a violation and all debt collectors lie about sending them, I have now have multiple items of evidence of fraud on there part now, 1. They are trying to state that the email address they say is on file for me is mine, thats a huge wrong the email address they state is mine has never been associated with me ever, 2. Proof of them deleting my original account off of my credit report when payments had been made to original creditor that were magically deleted and reset as well as improper balance and extra charges than what my account balance was at before they deleted it, proof is fraud they deleted the original account and reset the balance and raised it= theft were did the money they received go? Answer THEFT TAKE MONET APPLY TO BALANCE THAN RESET ACCOUNT WITH FRAUDULENT INFORMATION AND THEFT OF TAKING MONEY AND NOT SHOWING IT PROPERLY ADDING EXTRA CHARGES AND HAVING ORIGINAL BALANCE RAISED AS WELL AS DENYING THEY NEVER SENT ME A 30 DAY NOTICE AND ADMITTEDLY DENYING THEY NEVER DID WHEN I QUESTIONED IT, DELETING THE ORIGINAL ACCOUNT NOT CHARGING OFF TO DELETE XXXX REPORT FALSE DATES, 3. PUTTING STATMENTS ON MY CREDIT REPORT STATING I SAID IT WAS ACCURATE WHEN I NEVER SAID XXXX, 4. TRYING TO STATE THAT THERE XXXX MEETS THE FCRA REQUIRED REPORTING, IF IT MEETS THE REQUIREMENTS OF NOT VIOLATING THE FAIR CREDIT REPORTING ACT EXPLAIN HOW DELETING THE ORIGINAL ACCOUNT AND KEEPING THE MONEY I MADE PAYMENTS ON WAS MAGICALLY DELETED AND NOT REPORTED ANYMORE AND DATES WERE DELETED TO COVER IT UP AS WELL AS THAT IS THEFT TAKING MONEY AND DELETING THE ORIGINAL ACCOUNT AND REMOVING THE PAYMENTS THAT WERE MADE YET YOU KEPT THAT MONEY VIOLATING THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTING PRACTICES BY PUTTING THE ACCOUNT BACK UP WITH NO PROPER NOTICE AND LISTING EMAIL ADDRESS AS MINE I HAVE NEVER HEARD OF, NOT SURE WHAT XXXX GAME YOUR PLAYING, BUT THANKS TO BEING OUT OF WORK CAUSE OF COVID-19 GAVE ME LOTS OF TIME TO RESEARCH AND FIND MY EVIDENCE AGAINST YOU, YOU BASICALLY SAID ON MY LAST COMPLAINT I HAVE NOTHING TO SUE FOR, WELL THINK AGAIN NOE THAT I FOUND ALL MY ORIGINAL PAPERWORK AS WELL AS PROOF OF FRAUD AND THEFT BY DELETING MY ORIGINAL ACCOUNT AS WELL AS PAYMENTS MADE AND NOT REPORTING THOSE PAYMENTS ANYMORE YET KEEPING THE MONEY= THEFT!! ONLY UPLOADING A FEW PHOTO DOCUMENTS HAVE LOTS MORE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my Santander Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by Santander and they said the lease payment was past due, however I the representative from Santander told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with Santander and the credit bureaus but no one seems able to help me. The Santander Consumer USA car loan has already been paid in full.
Product: Debt collection

I have an account with  XXXX  's. I was fired from my job last  XXXX  and things has n't been easy. I started receiving unemployment. Earlier this year I started failing to make my payments on the due date butwould set up an automatic pre dated withdrawl when the unemployment cleared. I 've received numerous calls in  one d ay the most I 've counted  was 12 t he earliest time I was called was at  XXXX   XXXX   XXXX   I have my phone records. The calls are harassing on sat morning I received a call from a representative who was rude and used abusive language. Her name was  XXXX . After I explained  XXXX  her about the unemployment she said do n't you have a spouse borrow the money from him or somebody. How are you paying your bills? Do you have money now? How much? I do n't expect sympathy for life occurences and could easily let it go  XXXX  collections and on my credit report ; however, I tried to work with them n hopes that they would work with my payments being late vs no payment at all. I refuse to be disrespected and harassed. I received  15 ca lls yesterday. To constantly call someone phone every hour is insane. That will not make you get money any quicker.
Product: Debt collection

On XX/XX/19 received a notice from Credit Collection Services stating {$840.00} was owed by XXXX XXXX for Creditor : XXXX XXXX. Called CCS XXXX and informed them that we have never subscribed to XXXX XXXX and its not even an option in the area that we live in. The address on their records was XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Washington. We have lived in Utah for over 60 years. The number given to me to call at XXXX was disappointing, they could not bring up the account and wanted additional information that I refused to give because they could not provide any specifics that they were a legitimate business XXXX. 
CCS has called every day for weeks. How do I get them to stop harassing us for a debt that is not ours?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, it saddens me that yet again, I'm having to write you regarding this particular credit bureau. This is my 3 or 4th attempts/disputes with them regarding this erroneous info on my credit files. They want to continue to come back with it being verified and leaving it on my credit report intentionally. I have asked over and over and over again for the following : Re : Please provide the furnisher of the information for this account and all other requested information listed in this dispute To Equifax Information Services : I recently sent you a letter around XX/XX/XXXX & XX/XX/XXXX. I asked that you provide a detailed report showing/proving the validation method for this debt you have placed on my credit file. I am concerned about the validity and accuracy of your recent investigation of this account. Im requesting full, honest, and complete investigation because I felt the item was not being reported legally or accurately.

Please tell me how was this information verified? Prove that this listed debt belongs to me and not someone else. Im requesting for sufficient legal proof under the FCRA. Please answer each of the following questions in this letter. I asked for this in my previous letter, but you appear to have ignored my request which is against FCRAs laws. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Its designed to shield all consumers from the willful and/or negligent inclusion of erroneous data in our credit reports. The FCRA regulates the collection, dissemination, and use of all consumer information, including consumer credit information. And, if the consumer asks, consumer credit reporting agencies must explain the method of verification in full and with completeness and how you investigated my consumer 's dispute. A collections agency or debt buyer buying a debt and slapping/attaching it to anyone 's credit file to does align with the FCRA 's laws.

Creditor : Information in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amt. {$93.00}
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. ATTACHMENTS BELOW SHOWS THE ERRORS ON MY CREDIT REPORT This the ground for removal they also violated my rights under 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 agency can not furnish an account without my written instructions