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

I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX, Equifax, and XXXX regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have sent multiple letters to the XXXX XXXX XXXX on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. In these letters, I requested that the XXXX XXXX XXXX confirm the validity of the debt and cease collection efforts as required by applicable state and federal laws. Despite my requests, the XXXX XXXX XXXX failed to respond to the letters sent on XX/XX/2023, and XX/XX/2023. Moreover, they continued to report the debt to the credit bureaus, which I believe is a clear violation of my rights under the FDCPA and the FCRA for their failure to verify the debt, cease collection efforts, and for inaccurate reporting. on XX/XX/2023, I called XXXX XXXX XXXX in regard to their failure to respond to my letter and they sent me a via email with nothing I have asked from my validation letter and was past the 30 days time frame from XX/XX/2023, when I first asked for them to verify the debt with me. 

Furthermore, I have evidence from the XXXX XXXX XXXX XXXX XXXX XXXX reviews showing that the XXXX XXXX XXXX has engaged in similar practices with other individuals. They have consistently failed to send validation of debt or respond to validation requests, failing to follow the guidelines set forth by the FDCPA and FCRA. 

In addition to these violations, I have been unable to obtain my free credit reports from Equifax and XXXX via XXXX for the past XXXX months, which is a violation of my rights under the FCRA. This inability to access my credit reports has further hindered my ability to address and correct inaccuracies. I also want to point out that in my credit report XXXX XXXX system has XXXX different addresses and phone numbers on my credit report and none of those addresses/phone numbers matches the address or number they have on their website which is inaccurate and confusing to me I kindly request that the CFPB investigate these violations of the FDCPA and FCRA by XXXX XXXX XXXXXXXX XXXX Equifax, and XXXX, and take appropriate actions to remedy these issues. Additionally, I request that appropriate enforcement actions be taken against the XXXX XXXX XXXX for its continued violations, as demonstrated by the evidence provided. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including my certified letters to the credit bureaus and XXXX XXXX XXXX, as well as their responses, and evidence from the XXXX demonstrating their repeated violations.
Product: Vehicle loan or lease

On XX/XX/2024 I applied for a commercial auto loan for {$16000.00} at a XXXX dealership and was denied by Ally Bank . I was the personal guarantor for business. According to 12 CFR Part 1002- Equal Credit Opportunity Act regulation B, I can not be discriminated against in ANY aspect of a credit transaction. There are no exceptions or exclusions in this law. I can not denied an extension of my own credit once my SIGNATURE is on an application for credit. There is nothing stated in the law that constitutes " credit worthiness '' in 1007.2 ( a ) Rules concerning extensions of credit. I validate my credit worthiness by stating I am credit worthy by applying for extension of MY credit. NOT the creditor ( Ally Bank ). I demand my application be approved on the basis of my signature on the application. Ally Bank received money from my application being sent to them and running my credit. Furthermore, Ally DID NOT receive written permission from me to run my credit, nor did they notify me in advance that my credit was going to be ran by them which is also another violation.
Product: Credit reporting or other personal consumer reports

My wallet was lost XXXX, I filed. police report and notify the credit bureau .There were account added to my credit report that is fraudulent. I immediately notify the credit bureau about this account to get this investigation. These accounts has been investigated multiple times. I am very upset XXXX XXXX XXXX never had a account with this company.
Product: Mortgage

I am on a loan forbearance until XX/XX/XXXX. I applied for Loan modification on XXXX. I never missed a payment until XX/XX/XXXX. I went on forbearance in XX/XX/XXXX as I had a job loss. 
I have sent document after document to this financial company. I have never talked directly to my appointed loan representative. I can not afford the {$11000.00} to bring my loan up to date. I want to keep my home and begin making lower payments but I can not talk to anyone at my bank about this. 
I have had my home remodeled and it is worth significantly more than I paid for it or what I owe on the home. 
I had to file for bankruptcy and was waiting on an reaffirmation agreement from this bank. My bankruptcy was dismissed in XXXX of XXXX. I never received that agreement. I want to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I filed a dispute with Transunion regarding several items that were being reported incorrectly. On or about XX/XX/XXXX ( nearly 2 months later ) I received a letter stating that the investigation was now complete. As you can see from the attached, the letter was dated XX/XX/XXXX. Thus, seemingly they were in compliance with FCRA. However, per the attached, the stamp on the envelope is dated XX/XX/XXXX!!! Thus, clearly, they were not in compliance and in fact seemed to have purposefully done this. 

Pursuant to FCRA, they are required to respond within 30 days. Failure to do so requires them to remove the disputed items. Please make sure they do so as they have caused me great hard and should be reprimanded for the seemingly obvious abuse. 

The items that were disputed and that need to be removed are : USBK Court NJ Docket # XXXX USBK Court NJ Docket # XXXX USBK Court NJ Docket # XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX, XXXX, Loan # XXXX, Case # XXXX, CFPB Case # XXXX Property Adress : XXXX XXXX XXXX XXXX, XXXX. XXXX Dear XXXX XXXX, Thank you for responding to my concerns. I have attached two default notice 's I received from XXXX XXXX XXXX and calculated figures from two billing statements listed below. 

1. XXXX XXXX, XXXX XXXX XXXX, XXXX - {$2800.00} 2. XXXX XXXX, XXXX XXXX XXXX, XXXX - {$1100.00} The totalling of both balances above comes to {$3900.00}. These calculations shows I was delinquent on my mortgage of six payments behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX//22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 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/she 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 Bureau violated my given right 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 card or prepaid card

I have a PayPal account and a PayPal prepaid account. $ disappears from my account. I look at the account summaries and the $ disappears without a trace. I write both installations of the company asking where my money went. I suggest that someone rewrites or underwrites my account statements. The company gives me the same copy and paste prewritten statements every time. It's provide transaction numbers and detailed information. Which isn't available because the website and app fail to provide accurate information. Premise $ missing without a trace, account summaries deny the existence of financial losses, apart of a financial theft crime ring and fraudulent call center installation. Mostly PayPal never lets on what happened to my money and fail to provide any assistance.
Product: Credit reporting or other personal consumer reports

I have advised Experian that I have NEVER received products and/or services from this company. They have refused to investigate this. The item on my credit report is XXXX XXXX. I have never received a loan from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

I received an email from American Express today. They closed my account. They stated it was because of some delinquencies on my credit report through XXXX. I have a fraud alert on my account with XXXX   for over 5 years. That item that they are referring to is being disputed as fraud. For the entire 4 years almost that I have had my credit card I have never once made a late payment. I spoke with a person named XXXX. Someone was in the background laughing. I am not appreciative that no consideration was given as I am a fraud victim. I can be reached at XXXX to get this rectified. They never gave me an increase the entire time that I had this account. I am not happy with this issue at all and the fact that my score will decrease because this account is being closed. I would appreciate reconsideration given. Please see attached police report and a copy of my DL to verify my identity. I look forward to this being resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX has violated my rights. 
XXXX XXXX  XXXX XXXX card name|What 's this? 
Balance {$610.00} Updated on XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX name LATE PAYMENT Balance {$360.00} Updated on XX/XX/2022 XXXX Link card name LATE PAYMENT Balance {$0.00} Updated on XX/XX/2022 XXXX XXXX XXXXXXXX Link card name Balance {$320.00} Updated on XX/XX/2022 XXXX  Link card name Balance {$290.00} Updated on XX/XX/2022 XXXX  Link card name LATE PAYMENT Balance {$680.00} Updated on XX/XX/2022 XXXX XXXX XXXX Link card name LATE PAYMENT Balance {$310.00} Updated on XX/XX/2022 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have disputed inaccurate personal information including name and address. I have also disputed fraudulent inquiries on my credit. I have been informed these have all been verified as accurate. I then requested information about the verification process approximately 20 days ago and have only received a copy of my credit report in response. There is no response to method of verification request and the inaccurate information remains. I have delivery confirmation on XX/XX/19 of the request I sent. This problem is with all three credit bureaus including Transunion, XXXX, and XXXX.
Product: Mortgage

My bank is BMO Harris Corporate office in XXXX XXXX Illinois My HELOC just went into repayment mode. Total borrowed is {$42000.00}. Payback time is 20 years at 9.49 % interest. They say me monthly payment is {$490.00}. If I look up any repayment schedule that has interest compounded daily, my payment should be {$390.00}. I contacted BMO about this matter both in their customer line and local bank. They will not give me any paperwork or figures on how they arrived at their math computations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Amount {$750.00} Date opened XX/XX/2020 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX {$180.00} This company reported the issue to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXXXXXX {$580.00} XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/year>, and noticed several inaccuracies. And according to the fair credit reporting act 15 U.S.C. 1681 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. These accounts are are not complete and accurate. [ XXXX  XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct and credit limits is not correct, this account is not accurate. 


I filed a complaint with CFPB and Im still waiting on the bureaus response, but I received a response to my dispute from XXXX and XXXX saying the information was verified as accurate, I never recited the method used to VALIDATE these inaccuracies on my bureaus. I would again like the name of the person they spoke with at XXXX XXXX  about my account that VALIDATED THIS INFORMATION along with the DOCUMENT that the person they VALIDATED THIS WITH INFORMATION WITH along with a direct phone number to the VALIDATING AGENT within the next 15 days provided buy law or remove this account from my report per THE FCRA 15 U.S.C1681
Product: Mortgage

I purchased my home just over two years ago. I recently requested an appraisal to have my Private Mortgage Insurance ( PMI ) removed. ServiceMac LLC ( the servicer ) who is owned by XXXX XXXX recently sent an unlicensed and uncertified appraiser out who was a XXXX XXXX XXXX named XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, VA XXXX. XXXX XXXX conducted the Broker Price Opinion ( BPO ) but by his own admittance was not familiar with my area and therefore couldn't provide a true estimate. His appraisal was conducted using a sale price divided by above grade living space with no accounting of bedrooms and living space below grade. His " appraisal '' was not an accurate accounting of my home 's value. The servicer even confirmed that a sale price divided by above grade method is not accurate when I used that same method to give them additional comps that increase my home value. As a result, they denied my appeal when I sent the additional comps. An accurate appraisal conducted by a licensed and certified appraiser has not been conducted up to this point. I requested an appraiser be sent out to conduct an accurate appraisal with no response. This e-mail went to board members of XXXX XXXX and customer service specialists of the servicer. At this point, I am contemplating taking the servicer to court for violating 12 United States Code 4902. 

Please contact me so we can get this resolved without the need to take anyone to court. 
Thank you.
Product: Vehicle loan or lease

I received my car from US Auto sales 5 years ago. Now that they have gone out of business Westlake Profolio management has taking over. On XX/XX/XXXX a repo company called mvTrac was sent out to repo my car. I was told by the man that my car was reported stolen. I have called around to every company involved and no one will give me any information on the location of my car. So I can receive my belongings out of my car. Ive left messages and submitted forms. Ive came up with nothing.
Product: Credit reporting

On several occasions ( XXXX ) I 've asked Experian to delete the record which shows a delinquency to XXXX account # XXXX. This request is based on the Florida Statute 95.11 which explains that no record should be reported beyond 5 years after the final payment made to the lender. 
The last payment made to this lender before the account charged off was in XX/XX/XXXX and it was sold to a debt buyer who settled the debt with me. Therefore, as per Florida Statute 95.11, the account should have been deleted no later than XX/XX/XXXX. Not only have they failed to delete this item timely but they 've actually continued to report it even after being notified, by me, more than twice that it should be deleted. 
Recently, I was turned down for a job which paid in excess of {$75000.00} per year because of this record they stubbornly continuing to report.
Product: Credit card

I am writing to formally dispute the additional Interest Charge on Purchases fees applied to my account. These charges were never disclosed during my initial contractual agreement discussion or during the approval process. I believe this lack of transparency violates the principles of clear and fair communication, and I kindly request a resolution. 

I am disputing the following interest charges applied on these dates : XXXX. XX/XX/year> : {$5.00} XXXX. XX/XX/year> : {$49.00} XXXX. XX/XX/year> : {$50.00} XXXX. XX/XX/year> : {$47.00} XXXX. XX/XX/year> : {$46.00} These fees were unexpected and not communicated to me in any part of the agreement or prior statements. I request a detailed explanation of how these charges were calculated and applied. Additionally, I ask for a review of my account to rectify these charges or provide credit where applicable. 

I appreciate your prompt attention to this matter and look forward to your response. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I have requested online from all three credit reporting agencies ( XXXX, TransUnion, and XXXX ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. 

XX/XX/XXXX, I sent a certified letters to each credit reporting agencies ( XXXX, TransUnion, and XXXX ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. 

XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( XXXX, TransUnion, and XXXX ) along with a copy of my DL, XXXX, and current bill that reflects my new address. Again, upon receiving my update credit report, my old addresses are still appearing on my credit reports. 

XXXX, XXXX, 2024, I spoke to a rep from XXXX, who stated the information was updated but doesn't know why its not on the credit report. The rep asked me to wait another 30 days for an update. XXXX and TransUnion, stated they could not update via phone. I am looking for resolution for CFPB as they can potentially harm me from receiving government and personal documents.