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

To Whom It XXXX Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I have been trying for years to remove restrictions from an account with Navy Federal. I have provided documentation including a police report, ID, social security card, passport, proof of address etc, to show that I was a victim of identity theft. This company refuses to remove restrictions from my account even with all requested documentation being provided.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute a repossession that has been reported on my credit report. The details of the repossession are as follows : Account Name : XXXX XXXX XXXX Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/XXXX Account Name : XXXX XXXX XXXX Creditor 's Name : CCM Finance LLC Account Number : XXXX Date of Repossession : XX/XX/XXXX The repossession entry was reported on my credit report, and I believe it may be inaccurate or unjust. 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4.
Product: Mortgage

Based on the payments made Nation Star is showing an incorrect balance for my mortgage. I have included a spreadsheet showing transactions from my XXXX checking account to Nationstar and a document Nationstar sent me showing the transactions in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXXXXXX  - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting or other personal consumer reports

*Company name DISCOVER FINANCIAL did a soft pull on my credit report on XXXX I did not initiate any transaction or relationship with DISCOVER FINANCIAL that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 
This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. DISCOVER FINANCIAL willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. 

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.
Product: Credit card or prepaid card

On    XXXX   XXXX   XXXX     2017  I have deposited a {$1000.00} into  a Wells Fargo bank  for the purposes of opening a secure credit card. I was told that I will have an answer in no more than a week and a credit inquiry will appear on my credit report.   It has been over 2 months now, and there is still no credit inquiry and no credit card.   After not seeing any action after a month I have repeatedly asked for my money back, since the bank does n't even bother to verify my credit I have been told that the banker will call me back in 2 days.   NO ONE ever called me, and when I show up at the branch, which I did 4 times now, I am told that I will get my money in  2 weeks. It has been over 5 weeks since the first time they told me 2  weeks.   I got the same answer today.   And yes, the banker will call me back in 2 days again.   I do n't believe them anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage that is serviced by Shellpoint/New Res. In XXXX of 2020 I got buried with major home repairs and some minor medical bills and got behind on my mortgage. I was able to bring everything current and on time by XXXX of 2020 and have been perfect since. My XXXX credit report says " XX/XX/2020 Foreclosure Started '' but uses no language to indicate that the process was terminated or otherwise stopped when the mortgage was brought current. I am selling the house and the buyers mortgage company is concerned that there is a looming legal process clouding the deed and title, and I am unable to secure a mortgage to buy my next home because of the failure or refusal to adjust the XXXX  credit file. The payment schedule clearly shows the months when the payment was late, the written statement about foreclosure procedure starting is in addition to that schedule. They should add language " foreclosure proceedings aborted or ended '' or remove the the written language about it starting. It is a problem and it is costly to both me and the buyer of my home. I may lose this sale.
Product: Money transfer, virtual currency, or money service

iling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 EXPERIAN SAID THEY VERIFIED THE PUBLIC RECORD, IN MY CREDIT REPORT IT SAID XXXX XXXX IS THE COMPANY TO CONTACT. I WROTE XXXX XXXX AND THERE RESPONSE WAS, I HAVE NO PUBLIC RECORD
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is illegal to report information on my credit report without my written permission ( 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of charge offs that is now taxable income ( no 1099-c ) not disputable debts, closed accounts, and collections accounts opened at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, the credit bureaus are re-aging, updating, and reporting closed inaccurate accounts and collections as open accounts which is illegal under the FCRA compliance XXXX Never received the debt contract requests from any of the companies mentioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccuracies to Experian, and they failed to remove an account from my credit file that does not belong to me. I sent a few letters but they were " updated '' with false unverified information. I wrote Experian regarding the account XXXX XXXX / XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER IS VIOLATING MY PRIVACY WITH INQUIRY.
Product: Credit card or prepaid card

In XX/XX/XXXX I applied for a Citi card because they had an offer for a {$250.00} statement credit to book a flight. I applied through Citi and not the airline. I called them in XX/XX/XXXX and told them that I didn't apply correctly and I may have to cancel the card and reapply to get the credit. I was told that I would still get the credit and I didn't need to cancel. On XX/XX/XXXX, I'm ready to book my flight through XXXX XXXX. I called Citi again to make absolutely sure that I would get my statement credit. I was told that I would get it. I booked my flight through XXXX XXXX using my new Citi card. A couple of weeks later on XX/XX/XXXX, I check my credit account and I don't see any credits. I call Citi the same day. I was told that I do not qualify for the credit. The agent said that they would file a dispute and I would get written notice in a couple of weeks. I received a letter on XX/XX/XXXXstating that I don't qualify for the credit because the credit is only for flights. I call Citi on XX/XX/XXXX. I was again told that I don't qualify for the credit. I was eventually transferred to a senior agent. She told me that if I found proof that I was offered the credit she would apply for the credit. I was very angry at this point. I threatened to cancel both of my Citi cards, but I did not instruct her to cancel either card at this point. I eventually hung up on her. I checked my account on XX/XX/XXXX as I was doing my monthly bills and I saw a message that my card had been cancelled. I called Citi the same day. The agent said that the notes said that I requested to cancel my card. I said that this is incorrect because my flight is next month and I'm sure that I wouldn't get my travel benefits such as preferred seating and checked bags free. He said that my card is cancelled and there's nothing he can do about it. He does agree that I should have received the {$250.00} statement credit, but it's too late to fix it now. I ask for his supervisor. He says that there's nothing he can do. I tell him to cancel my other Citi card as I want nothing to do with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- STUDENT ACCOUNTS -- 1. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Information on my transunion consumer report was not properly validated. Trans Union is reporting inaccurate information on my consumer report that needs to be removed.. disc collection has been disputed multiple times on my consumer report and it has not been validated properly. ive took the proper steps to send out a validation letter to the collection agency they still have not responded to the validation I sent through certified mail. They receive the validation letter through certified mail on XXXX XXXX 
They are validated 15 USC code 1692G that states validation of debt within five days after initial communication. The consumer agency is validating the consumer law that was put to protect consumer such as myself against agencies thats doing unfair acts as you see in my attached files I have proof that the company received the validation letter on XX/XX/XXXX and still has not responded to the validation letter, that should be removed off my consumer report or I will take legal actions
Product: Credit card or prepaid card

Last XX/XX/2020 I tried to call customer service at Capitol One credit card to get my phone number changed, and address changed before I relocated to XXXX from XXXX XXXX.. customer service told me to wait after I relocated then call. So I did ... ..When I called they said they could not verify it was me by my cell phone number since I was on my daughter and Son in law 's plan.. ( I gave them my Social security # etc ... .the reason was because I discontinued my land line and I am on a shared cell phone line with my Daughter and son in law billing because they own a XXXX store in XXXX XXXX.. ( it's cheaper for me to be on their plan ) they stated either I get a land line number in my name again OR a separate cell phone # in my name they would not allow me to go on line again to pay my bill or see my charges ... .. ( I had discontinued the paper bills four years prior ) and paid my bill on line each month ... ... ..Then when I complained they had a representative from Capital One call me and she was sarcastic and condescending about my being on my Daughters cell phone sharing bill ... .and that nothing they could do for me because they had no proof of who I am.??????? all this after I gave them my complete Social security # my new address in XXXX  etc ... then she wanted me to send her my drivers license as proof who I was ( are you kidding me? ) ... ... it's been a nightmare and four months later I still have no paper bills sent and I can't read my statements on line..nor can I pay extra to get my bill paid down ... .I have been a card holder with them for over 16 years and no problems now all of a sudden they are saying they can't help me get this straightened out so I can get back on lien to pay my bill each month nor can they send me statements..I had no problems with XXXX XXXX card nor XXXX card when I relocated ONLY Capitol ONE ....
Product: Mortgage

XXXX/XXXX/XXXX - Contacted my mortgage company for information on how to apply for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Was informed that the process can be applied for on-line and would take approximately 30 days. 
XXXX/XXXX/XXXX - Applied for XXXX on-line. 
To sum up what was told should take approximately 30 days took almost 2 years. 
- In excess of more than 40 telephone calls regarding status of my HAMP application - Having to submit documents more than 6 times - Receiving XXXX different " Forbearance Agreements ''. I sent my 1st payment for a Forbearance Agreement. It was returned. I was told that the check that I sent needed to be a " Cashier 's or Bank Issued Check ''. Nowhere in the " Forbearance Agreement '' did it mentioned this. Reissued a Cashier 's Check and that was also returned because they indicated that the Forbearance expired. 
- I had to hire an attorney to resolve the foreclosure issue and have the foreclosure case dismissed. 
- This entire XXXX process which was to take approximately 30 days that began on XXXX/XXXX/XXXX was FINALLY modified on XXXX/XXXX/XXXX per their letter dated XXXX/XXXX/XXXX. Almost a 2 year painstaking process. 
I have all Exhibits XXXX available for review and can be sent via mail or overnight. My notes are very detailed.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and Experian are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

This account is an adverse item they are reporting again without my permission which is against the law. * XXXX  is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, Experian, XXXX whether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX never informed me of my right to exercise my non disclosure. XXXX and Experian are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.