23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was notified by my lawyer, XXXX XXXX XXXX XXXX, on XX/XX/XXXX that XXXX XXXX XXXX threatened to take legal action against me if I did not pay the full balance of my account within 24 hours. I found out about 2 weeks later they went to court XX/XX/XXXX for wage garnishment. I called XXXX XXXX XXXX 3 times XX/XX/XXXX at XXXX XXXX, XXXX XXXX, & XXXX XXXX. The third time I finally got someone on the phone and they refused to speak with me because they said I had representation. They were notified XX/XX/XXXX by XXXX XXXX XXXX XXXX that I was not being represented by their firm. XXXXXXXX XXXX  XXXX still refused to speak to me until XX/XX/XXXX when I filed for a hearing in court to reduce the garnishment. XXXX XXXX, a lawyer for XXXX XXXX XXXX, told me at the courthouse I needed to call her office and workout a payment plan because they had wiggle room, and could settle my debt for less than I owed, and if I entered into a payment t arrangement they would stop the garnishment. I called that afternoon and couldn't get through. I tried again on XX/XX/XXXX and they told me they couldn't speak to me because I had representation. XXXX XXXX XXXX called me XX/XX/XXXX and said they found the letter from XXXX XXXX XXXX XXXX, and they could not settle the debt for less, so I needed to pay the full balance. They were made aware I had {$820.00} garnished from my pay already, and said I still needed to pay the full balance because they don't have the money, the court has it, and they couldnt get it until the next court date scheduled for XX/XX/XXXX. They told me the balance on my account was {$5100.00}, but the summons I got from XXXX XXXX XXXX said the balance was {$5100.00}. I called them XX/XX/XXXX to verify what the correct amount was, but had to leave a voicemail. My called was returned at XXXXXXXX XXXX on XX/XX/XXXX and the agent I spoke with said she needed to verify with someone else before she could answer that question. As of XX/XX/XXXX, I have not gotten a call back. 

The account in question was from XXXX of XXXX, exceeding the statute of limitations on legal action taken per VA law.
Product: Credit reporting or other personal consumer reports

I have recently discovered that a collection account has been added to my credit report, originating from a XXXX XXXX incident that occurred in XXXX. This issue has only come to my attention now, and after some time, I contacted our attorney who supplied me with all the necessary documentation. 

Despite my efforts to clarify the situation to Equifax on four separate occasions, I want to reiterate that I am NOT liable for any hospital expenses associated with the accident. The bills also show {$0.00} as the patients responsibility. The responsibility lies with the intoxicated driver and her insurance company. While my name may appear on the documentation due to my involvement, I have provided evidence indicating that the drunk driver and her insurance are accountable for the costs. Consequently, I am perplexed as to why they continue to refuse the removal of this entry from my report. Furthermore, given that this incident is over five years old, I find it puzzling that it has only now surfaced in XXXX. 

I kindly request the removal of this account, as all other credit bureaus have already done. I maintain that I am not responsible for this bill.
Product: Debt collection

When company initially called me about alleged debt late 2023, I asked the representative to send me a notification in the mail to verify the debt. I never received any debt validation letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY IDENTITY AND OPEN CREDIT CARD ACCOUNTS AND BANK ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section XXXX ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.
Product: Credit reporting or other personal consumer reports

I have paid the outstanding balance and still showing in a negative way that prevents me for getting a mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report and express my concern that my disputes are not being properly reviewed or reinvestigated, as required under the Fair Credit Reporting Act ( FCRA ). My personal information is as follows Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Four Digits of SSN : XXXX I have submitted disputes regarding incorrect information showing up on my credit report .However, my investigations have shown that XXXX is not adequately addressing these issues by failing to : 1. Conduct a reasonable reinvestigation.

2. Forward all relevant information to furnishers.

3. Clearly communicate the outcome of the dispute resolution. 
This neglect to comply with the provisions of the FCRA directly impacts my ability to secure fair financial opportunities. I request that XXXX thoroughly review my disputes and provide : Confirmation of a comprehensive reinvestigation. 
A clear and detailed written response outlining the results of the reinvestigation. 
Assurance that inaccurate or unverifiable information will be removed promptly. 

I expect a response within the 30-day timeframe required by law and a resolution that ensures the accuracy of my consumer report. If XXXX continues to disregard these obligations, I will explore further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Ok also having Issues with Inconsistent Reporting : I have noticed discrepancies between the information reported by XXXX, Equifax, and XXXX on my credit report. These differences have raised significant concerns about the accuracy of the information reported. I am formally requesting that any inaccurate, unverifiable, or outdated information be removed or corrected across all three credit reporting agencies to ensure consistency and accuracy. 

Failure to Conduct Proper Investigations : Additionally, I am concerned that previous disputes submitted to your agency have not been properly reviewed. It appears that : 1. Reasonable reinvestigations were not conducted.

2. Relevant information was not forwarded to furnishers for further verification.

3. Inconsistent data remains unaddressed across all agencies. 

These issues significantly affect my financial opportunities and violate the rights afforded to me under the FCRA. 

Requested Actions : 1. Conduct a thorough and reasonable reinvestigation of the disputed information.

2. Communicate with the furnishers of the disputed items to verify their accuracy.

3. Remove or correct any inaccurate, unverifiable, or outdated information.

4. Ensure that consistent and accurate information is reflected across all three credit reporting agencies.

5. Provide a detailed written response outlining the results of the investigation. 

I expect a response within the legally required 30-day timeframe. If these issues remain unresolved, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or consider further legal action. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED THIS COMPLAINT A FEW TIMES AND XXXX AND EQUIFAX REFUSE TO FIX IT. ON ONE OF MY CREDIT REPORTS, I BELIEVE IT IS XXXX THEY EVEN SAY " THEY CAN NOT VERIFY THE INFORMATION '' BUT THEY STILL LEAVE IT REPORTING NEGATIVE ON MY CREDIT REPORT. XXXX XXXX IS BEING LISTED AS A SERIOUS LATE PAY AND IT IS HURTING MY CREDIT WORTHINESS. I SUBMITTED THE COMPLAINT TO XXXX AND THEY RESPONED TODAY BY REMOVING IT AFTER AN INVESTIGATION WAS DONE AND THEY COULD NOT VERIFY IT AS BEING LATE. THE LAW SPECIFICALLY SAYS IF IT CAN NOT BE VERIFIED WITH DOCUMENTED PROOF THAT IT NEEDS TO BE REMOVED. I AM ATTACHING PHYSICAL PROOF FROM XXXX THAT THEY TRIED AND WERE UNABLE TO VERIFY IT SO THEY REMOVED. IF XXXX XXXX DID NOT RESPOND TO THEM THEN THEY ARE NOT RESPONDING TO THE OTHER BUREAUS. I AM DEMANDING THAT THE NEGATIVE REPORTING OF XXXX XXXX BE REOVED FROM XXXX AND EQUIFAX 'S SYSTEMS IMMEDIATELY. THEY HAVE NO WAY OF VERIFYING IT BECAUSE IT WAS NEVER LATE. THIS IS MY 10TH TIME TRYING TO GET THEM TO EITHER VERIFY AND SEND ME DOCUMENATION FROM XXXX XXXX OR REMOVE THE ITEM. THEY ARE INTENTIONALLY PUTTING THIS ON MY FILE TO HURT ME AND THAT IS AGAINST THE LAW. REMOVE IT NOW, AND DO NOT PUT IT BACK ON. SEE THE ATTACHED PROOF THAT XXXX  INVESTIGATED AND COULD NOT VERIFY AND IF THEY CAN NOT THEN YOU CAN NOT.
Product: Credit reporting or other personal consumer reports

MARINER FINANCE, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( MARINER FINANCE ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( MARINER FINANCE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. MARINER FINANCE, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from MARINER FINANCE. for the cancelled debt of { { {$4600.00} } } in order to file as ordinary income. Where is my 1099-C? MARINER FINANCE is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! MARINER FINANCE has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In MARINER FINANCE 'S terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of MARINER FINANCE nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

We obtained a Covid mortgage forbearance in XX/XX/XXXX from XXXX. The loan was subsequently transferred to LoanCare for servicing. In XX/XX/XXXX, we received a document stating the loan had been modified and would be coming out of forbearance. We subsequently signed, notarized and mailed a loan modification document as requested. When we continued to make payments, they were not reflected on the LoanCare website. We were advised that our payments were being held " somewhere '' until the process resolved. Later, when we were variously advised that LoanCare could either not locate the modification documents or that they contained errors, we were asked to sign and notarize an entire second set of loan modification documents. Loan Care failed to produce a current account history to enable us to re-finance this mortgage at a lower rate, which was the sole reason our refinance did not go through, leading to thousands of dollars in additional costs over the lifetime of the loan. 

Since XX/XX/XXXX, we have spent countless hours on the phone with XXXXLoanCare representatives to resolve this issue. We have received inconsistent instructions and documents in the mail with inaccurate dates and deadlines to sign from XXXXLoanCare. XXXX/LoanCare representatives advised us to stop payments. 

We are now receiving threats of foreclosure in the mail claiming that they have failed to make payments on the loan. At one point, we spoke with XXXX who represented herself to be a supervisor of supervisors in the Loan Modification Department. XXXX claimed she would be our " advocate '' and apologized for everything that had happened on the account. She claimed she would call us back and resolve all of the issues with the underwriting department. She has refused to provide an extension or direct number to contact her. She has not resolved the issue. 

During XX/XX/XXXX, our lawyer has repeatedly attempted to reach XXXX. She spoke with supervisor XXXX who sent XXXX a direct message to call me back. XXXX advised that she was working on the file and knew about the issues and that it would be best to wait to talk to XXXX about the file. Most recently, on XX/XX/XXXX, our lawyer left another message with a representative to ask XXXX to call her back. She has failed to return the call, despite the issues with the Loan. 

To date, the issues with this XXXX have not been resolved in spite of our diligent efforts. Instead, XXXXLoanCare has XXXX reported missed payments to credit bureaus to the detriment of my clients ' credit. XXXX/LoanCare merely continues to send confusing letters advising that they do not have enough information to resolve the credit bureau reporting issues. XXXXLoanCare has failed to send the correct loan modification documents after repeatedly promising to do so. XXXXLoanCare 's failure to remedy the situation in a timely manner is causing us an inordinate amount of stress and financial difficulties. XXXXLoanCare is now refusing to even accept payments.
Product: Credit reporting 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 : XXXX 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 an 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 XXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX, Experian and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my " Investigation Request '' letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I listed below. Also, I have attached the letter I sent out via Certified Mail # XXXX XXXX XXXX XXXX ( EXPERIAN ) # XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX and # XXXX XXXX XXXX XXXX XXXX ( XXXX ) According to the FCRA, the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that my accounts were verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting 100 percent accurate and according to FCRA 15 USC 1681, everything must be 100 percent accurate. I have the credit reports showing the inaccuracies. 

Accounts that I asked to investigate : XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment on My Credit Report Under 15 U.S.C. 1681c ( a ) To Whom It May Concern, I am writing to formally dispute a late payment that appears on my credit report with TransUnion. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), outdated and incorrect negative information should not be reported on my credit history. 

I hereby formally request that XXXX verify and remove the inaccurate late payment entry from my credit history if it does not comply with the legal reporting timeframe. 

Additionally, I believe that the reporting of this late payment violates multiple consumer protection laws, including : - **15 U.S. Code 6801** : Protection of personal information.

- **15 U.S. Code 6802** : Obligations regarding the disclosure of personal information.

- **15 U.S. Code 6803** : Disclosure of privacy policies.

- **15 U.S. Code 1681e ( b ) ** : Accuracy of credit reports.

- **15 U.S. Code 1681a ( d ) ( 2 ) ** : Exclusion of certain transactions from credit reports.

- **18 U.S. Code 1028A** : Aggravated identity theft.

I urge you to initiate an investigation under the Fair Credit Reporting Act ( FCRA ) and notify me of the resolution of this dispute within the legally required timeframe. Please provide a written response confirming the removal of this late payment from my report or supplying the required documentation validating its accuracy. 

I am attaching a copy of my identification and my credit report with the disputed late payment highlighted for your reference. 

I appreciate your prompt attention to this matter and expect your response within the 30-day legal period. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I made a {$1000.00} payment for future delivery of a custom made rear bumper with XXXX by ACH with Wells Fargo via account # XXXX. I paid the additional balance of {$2200.00} on XX/XX/2018 per their request. They estimated 8-12 weeks for completion from the original order date. After repeated delays and a lack of communication they ultimately stated that they didn't know when they would have they product completed. At that point I began asking for a refund and they are now unreachable via phone or e-mail. I filled for a refund with Wells Fargo and they denied the claim saying that I should take it up with the vendor ( XXXX ). As I stated they are unresponsive so I have no recourse with them. XXXX has violated the terms of our agreement by failing to deliver the product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF ED/XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Checking or savings account

I created a high yield savings account with Synchrony Bank because of the interest rate. I transferred {$13000.00} and {$2000.00} into the new account. Following those transactions, synchrony bank restricted the account and then blocked my internet access. I called Synchrony Bank to find out what was wrong, but they stated their back office is looking into it and will get back to me in 2 to 3 business days. It's been longer than the days specified by Synchrony Bank, and my account is still locked and under review, retaining my {$15000.00}. This is incredibly terrible service from Synchrony Bank and very unacceptable. The account I just opened is already giving me hassles and making me run around for my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation, I asked to to do on false misleading and inaccurate information on my credit report.