23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Contacted three times by XXXX XXXX XXXX In California on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX about a debt with XXXX XXXX for my XXXX XXXX. I do not nor have I ever had an outstanding balance with this bank as shown in my statements and from contact with this bank. The customer service agent has a different address than mine. This is clearly not my account. I have asked several times for them to stop contacting me and do not want to via mail as I do not want them harassing me in person or with endless letters. I have blocked their number, but I have gotten calls from other numbers instead.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following fraudulent accounts on my Experian credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ). 


Fraudulent Accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 I request the immediate removal of these accounts under the FCRA, specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ), and 15 USC 1681c ( c ). Furthermore, as per Law 605 B, these fraudulent accounts should be eliminated from my credit report. Your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial Protection Bureau ( case name : " Consumer Financial Protection Bureau v. Experian Information Solutions , Inc. '' ). This lawsuit highlights Experian 's failure to conduct proper investigations and remove or reinsert errors on consumer credit reports. As such, it is imperative that Experian address this matter in accordance with the FCRA. 

Please find enclosed a copy of my Experian credit report, highlighting the fraudulent accounts mentioned above. I request that Experian promptly investigate this matter and delete these erroneous items within 30 days of receipt of this letter, as mandated by the FCRA.| I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts from my credit report. 

Thank you for your time and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that account XXXX XXXX  # XXXX was properly investigated, but how is that possible if the account number is inaccurate, the high balance is inaccurate the date of last activity is inaccurate, closed date is inaccurate and late payments are inaccurate. This ground for removal they have 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 reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This company Portfolio Recovery has posted a debt collection account to credit report. This debt doesnt belong to me and I have contacted the company via certified mail on XX/XX/year> for proof of this debt. The amount of the debt {$4600.00}. The account number is XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Never lived there. Notice when I was trying to rent a home this appeared up on my credit report Have reported Fraud. 


Also seems like XXXX is not even spelled correctly tryed to XXXX nothing appeared
Product: Credit reporting or other personal consumer reports

T

he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the erroneous addresses that persist on my credit report. Despite having submitted previous dispute letters regarding this issue, these incorrect addresses remain on file. I am hereby requesting their immediate removal from my report. These addresses are not associated with me and bear no relevance to my credit history. I have already provided the necessary documentation to verify my correct address and have requested the removal of these inaccurate entries. 
However, despite multiple appeals, these errors have yet to be rectified, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of these false addresses may lead to confusion or inaccuracies that could negatively impact my creditworthiness XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Mortgage

My loan got purchased form XXXXXXXX XXXX XXXX to NEWREZ and it has been absolutely horrible. This happened in XX/XX/year>. During this period myself along with every other florida resident receive a massive increase on insurance. Do to this I have been trying to get my insurance escrowed for over 4 months now. I originally tried to get this done prior to switching insurance. Overall I am currently not paying money into escrow do to NewRez not doing it. I have gone around and around with them and they do nothing. Absolutely worse experience I have ever had with a mortgage company. Item is still not resolved. Felt I had to do something so I figured I would reach out to the CFPB.. I had no option of working with New Rez, I have heard for many years they are horrible, not sure if this will even do anything but I really have no idea how they are able to conduct business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  and Experian on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am seeking removal of all incorrect or outdated personal information being reported on my credit file. The account that XXXX continues to report is XXXX XXXX and Experian is reporting XXXX XXXX XXXX and XXXX XXXX XXXX. Again, I must say these account does NOT belong to me. Ive sent in my FTC Identity Theft report along with my dispute letter for review but this account is still reflecting on my credit report.
Product: Debt collection

XXXX XXXX XXXX has repeatedly violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

They have : -Contacted my XXXX  and disclosed that I owe them tons of money and that the alleged debt is related to furniture. 

-Contacted my XXXX  multiple times, telling her I reneged on my word twice, owe tons of money, and again claimed it was for furniture. 

-Repeatedly called my family members, who are third parties and not responsible for any alleged debt. 

-Called my phone up to XXXX times per day, which constitutes harassment. 

-Ignored a formal cease and desist request, which I sent by certified mail and email, demanding they stop contacting me and my family. 

Under 15 U.S.C. 1692c ( b ) of the FDCPA, it is illegal for debt collectors to discuss a consumer 's debt with third parties. Their actions are not only illegal, but also harassing, humiliating, and emotionally distressing. 

I am requesting immediate action to : -Investigate XXXX XXXX XXXX for ongoing violations. 

-Enforce compliance with the FDCPA. 

-Prevent further illegal contact with me or my family. 

I am also considering legal action for statutory damages and emotional distress.
Product: Checking or savings account

Dear consumer financial protection government Please transfer this issue to meta support team or XXXX XXXX Dear MetaXXXX XXXX XXXX XXXX I am writing to request an urgent review of my Instagram account, which was wrongfully suspended on XXXX XX/XX/year>. Following the suspension, I immediately submitted the required appeal, including my ID card, on the same day, as instructed. 

Unfortunately, despite waiting for over a month, my account has not been reviewed yet, and I have not received any updates other than the message : " You submitted an appeal on XXXX XXXX. '' This situation is causing significant disruption to my activities on the platform, as I rely heavily on my account for personal and professional use. 

Here are my account details for your reference : XXXX XXXX XXXX Full Name : XXXX XXXX XXXX of Appeal Submission : XXXX XX/XX/year> Email Associated with Account : [ XXXX ] Issue : Account suspended without follow-up or review after submitting required documents. 

Given the impact that this has had on my personal and professional life, I am reaching out to you for assistance. As the Attorney General, I believe that you have the authority to investigate and take action against companies that engage in unfair and deceptive practices, such as disabling accounts without proper cause. 

I respectfully request that you look into this matter and take any necessary steps to help me regain access to my XXXX account. I believe that I have followed all of the platform 's terms of service and community guidelines, and I am confident that there has been some mistake or misunderstanding that led to my account being disabled.

I kindly request you to prioritize this review and provide me with an update on the status of my appeal. If any additional information or documents are required from my side, please do let me know. 

I have made several attempts to contact your team via the support channels but have yet to receive a response. I would appreciate it if you could assist me in resolving this issue as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Best regards, XXXX XXXX XXXX Handle XXXX Email : [ XXXX ] Alternate email : - [ XXXX ]
Product: Debt collection

Our renter " XXXX XXXX  '' had given a 10 day eviction notice on XXXX XXXX, XXXX  stating that we needed to pay a {$300.00} pet fee for having our dog. I had paid that fee when we initially moved in on XXXX XXXX, XXXX. I handed the manager a {$200.00} move-in pet fee at that time. The apartment complex stated they had no proof of this payment. I brought in the check that was written to them as proof and they still claimed they had no records so they would be evicting us within 10 days for " breaking the lease agreement. '' I stated to them that our " lease agreement '' had been broken when they didn't replace our AC unit in XXXX degree weather for over a month while I had a XXXX old, XXXX old, and XXXX old at home and that I would take them to court as that is highly illegal. They ceased and agreed to break our lease on XXXX XXXX, XXXX with a XXXX balance. I always paid my rent on time. Never late. Never had to pay any fees. I was a beyond great tenant. My reviews are on XXXX for XXXX XXXX  at XXXX XXXX if you would like to see how I was treated as a tenant. After a week, they hit my credit with a collection. I disputed this collection on my report immediately and my husband disputed it on his report as well. XXXX, XXXX, and XXXX had deleted and removed the collections due to me having proof of this transaction with XXXX. Now as of XXXX XXXX, XXXX, a new collection hit my and my husband 's report from a collection agency. Credit Genesis Collections is trying to now collect for this same debt. I have disputed this collection as well and I have had it removed multiple times over the entire year of XXXX. There has been different account numbers, multiple accounts, different dates, and this collection continues to come back over and over even though I have proof that it has been deleted on multiple occasions. My husband also would have not been able to join XXXX XXXX military with a collection like this on his credit report. He had no collection when they gave him a background check in XXXX of XXXX when he joined. I have no other way of correcting or fixing this. We don't owe anything to XXXX the original debt collector or the collecting agency trying to collect on this debt.
Product: Vehicle loan or lease

Consumer Financial Bureau XXXX XXXX vs. XXXX XXXX  XXXX XXXX XXXX XXXX Title Department XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX ( XXXX XXXX XXXX XXXX ) VIN # : XXXX To whom this may concern : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Due to not wanting a car note, I decided to borrow money from my 401k to make a cash purchase. Myself and my cousin went to the bank to cash the check and to make the transaction. When I arrived back to XXXX XXXX XXXX, I was asked by a female sales associate to follow her to another location XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX to finalize the sale. The female also stated, during our conversation that she was part owner of both locations. Myself and my cousin waited in the lobby for about 10 min before being called to the office finalize the sale.
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I paid XXXX cash and had a balance of XXXX which was set in installments of two payments. I made one payment but when I returned to make another payment, both locations were permanetly closed with no forwarding information. I then filed a complaint with the DMV who investigated my concern. The DMV shared with me that both auto shops were in current litigation and provided me with the phone number to XXXX XXXX. I contacted XXXX XXXX, XXXX  XXXX who then asked that I complete an affidavit and have it completed and notorized before my title and plates are released to me.
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After returning the affidavit as instructed, I waited several weeks and did not hear back from XXXX XXXX. When I called, she stated that the attorney asked that I send a short email detailing some specific parts of the sale. XXXX XXXX also asked about a section of the affidavit that I accidently overlooked about whether or not I had knowledge or participated in any fraudulent business practice or nefarious activity involving both XXXX and XXXX XXXX.
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Over the last 5-6 months, I have provided XXXX XXXX XXXX with all documents pertaining to my purchase. The documents included : Bill of Sale, Bank Statements etc ... After waiting several weeks and no follow-up from XXXX  XXXX, I gave them a call. I was then informed by XXXX XXXX that I would have to provide a summary of the entire transaction. I completed the summary and forwarded it as requested. On Thursday, XX/XX/XXXX, I contacted XXXX XXXX  who stated that she have no update for me. XXXX XXXX has refused release the title/plates to my vehicle or provide me with updates. As of today, I am no longer able to get another temporary tag for my car. XXXX XXXX XXXX failure to release my title and plates as caused hardship because I am unable to drive the vehicle to doctor appointments and to work.
. I pray that this matter will be resolved swiftly without further delay Regards, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information regarding one of my credit accounts that is being reported inconsistently across the three major credit reporting agencies : XXXX, XXXX, and TransUnion. Specifically, the discrepancies pertain to : * The date the account was opened * The last reported date * The date the account was last active These discrepancies are causing significant confusion and are impacting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ).

The FCRA also mandates that any information that can not be verified as accurate must be removed from the consumer 's credit file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Given the inconsistent and incorrect reporting of the aforementioned dates, I request that this account be thoroughly investigated. If the inaccuracies can not be verified and corrected, I demand that the account be deleted from my credit report to comply with the FCRA 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding Wellsfargo Card Services. They placed an unauthorized inquiry on my XXXX and XXXX credit reports on XX/XX/2020, and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) 06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Debt collection

On XXXX/XXXX/XXXX Harvest Credit Management illegally collected funds from my XXXX XXXX XXXX XXXX savings account in the amount of {$10000.00}. These were funds directly from my deceased mothers life insurance policy and were exempt. This is in addition to insurance benefits funds they also took last year and in XXXX from my XXXX XXXX XXXX XXXX account prior to my closing my account. 
The difference though is that these were kept separate from any earnings as I had no earning for XXXX yet ( to Date ). I would wish to collect interest as damages in the amount the Credit Card company wished to charge prior to closing my account. I closed all my credi accounts with XXXX and XXXX in XXXX. But each of the XXXX major card companies all jumped the interest to 29 % and 35 % and tripled the debt I owed before losing the accounts after three to four months regardless of XXXX or XXXX company credit requests. 

I feel that any and all credit card companies that disregard the Major Nationwide Credit safety companies requests deserve to be shut down as they are choosing to operate in an Internet Environment without accepting third party Security Provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX send a dispute letter to Experian to provide asking to provide copy of original contract with my signature to proof the validation of fee accounts in my credit report but their answer to me was the account is " verified '' but never sent back to me ant documejt with my signature in a clear violation of the FCRA. If they cant provide proof of the information this contracts the accounts must be deleted. 
Back in XX/XX/XXXX send back a second letter asking for verification and theur answer is they wull not re-investigate but never provide physical evidence of any contract so they must delete those accounta from my credit report without asking me to provide relevant information to them to re-investigate if they are not able to provide what is requested in the federal law.
Product: Credit reporting or other personal consumer reports

I have been reviewing my credit report due to a data breach from XXXX, noticed that there where several inquiries on my credit file that I did not authorized .I have reached to all said parties and credit bureaus, but yet know response from anyone .I have also filed a FTC and police report XXXX sent via certified to each credit bureau on XX/XX/year> XXXX but no response as of now.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$70.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$910.00} XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/year>