23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unverified items listed below remain on my credit report in violation of Federal Law. Wells Fargo DLR SVC I ask the creditor to validate the debt and explained they are required under the FCRA to have a copy of the Original Account-Level Documentation means : a ) Any documentation that a Creditor, or that Creditors agent ( such as a servicer ) provide to a Consumer about a Debt ; or b ) A complete transactional history of a Debt created by a Creditor, or that Creditors agent ( such as a servicer ) ; or c ) A copy of a judgment, awarded to a Creditor The Credit Bureaus must ensure and validate that the Creditors documentation on file 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? 

According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, by and through, the physical verification of the genuine original wet ink signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof, in the form of a certified copy of my genuine original Consumer Contract with my Signature on same ( see Uniform Commercial Code 3-308. PROOF OF SIGNATURES ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, perhaps rising to misfeasance, which is defined in pertinent part as, The performance of a duty or act which one ought or has a right to do, but in a manner such as to infringe upon the rights of others, and/or malfeasance. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a certified, true, correct, complete and not meant to mislead copy of verifiable proof, you must remove the accounts listed below. 

Even though the law requires the credit reporting agencies to verify every account on consumer credit report before reporting on consumers credit file. In fact the lender never, ever, ever, sends the credit applications, signed contracts or any documents whatsoever before they report the items on consumer credit report to All credit bureaus. The CRA accept any and all credit items that a creditor sends to them electronically. They accept these credit items as true and correct and belonging to the consumer. The CRA simply place the information on consumer credit file with NO VERIFICATION. Provide proof of verification!! Please include the Original Account-level documentation.
Product: Mortgage

My name is XXXX XXXX. I bank with Wells Fargo. The branch in XXXX XXXX, Pa. 
I have had a mortgage with them for 7 years and never was late. I went into the bank on XX/XX/2015. I spoke with a banker about waiving ( deferring ) a payment. The banker told me it would not be a problem. Come to find out, they wanted me to pay 2 mortgage payments in XX/XX/XXXX. I went back into the bank and spoke to the manager. She told me to contact Home Preservation Team at Wells Fargo. The only thing that happened there was, just getting someone 's answere machine for a week. I go back into the bank and spoke with the manager again and told her what happened. She contacted the resolution team. She told me someone would contact me. NOTHING. Needless to say, I am very angry. They are making me a month behind in my mortgage and going to destroy my credit when they are at fault. I was totally mislead. They need to train their bankers how to give the right information to there customers. Because of the lack training, I got XXXX and I am a month behind on my mortgage and bad credit. The reason I asked for a payment to get deferred was because I had XXXX XXXX. I could n't collect unemployment. I asked for help one time in 7 years having a perfect payment history. Thank You Wells Fargo FOR DESTROYING MY CREDIT. 
Thank You, Stay clear from Wells Fargo
Product: Credit reporting or other personal consumer reports

Subject : Repeated Reinsertion and Failure to Investigate Unauthorized Account on Credit Report To Whom It May Concern : I am submitting this letter to formally request assistance with an ongoing issue regarding an unauthorized XXXX XXXX account ( account number XXXX ) that repeatedly appears on my Equifax credit report. I have disputed this account on XXXX separate occasions, and each time Equifax initially removed it from my report. However, XXXX XXXX continually reinserts the account without providing me with a required reinsertion notice, and Equifax has not conducted an investigation, as mandated by law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Equifax is required to notify me within five business days of reinserting any disputed account. Equifax has not provided such notification, leaving me unaware of the repeated reinsertions until I review my credit report independently. This lack of notice is a direct violation of my rights under the FCRA.

Furthermore, Equifax has not conducted any investigation of the reinsertion as required by 15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency must conduct a reasonable investigation when a consumer disputes an account. Equifax 's failure to perform this basic duty has deprived me of the opportunity to verify the legitimacy of this disputed account, which I maintain is fraudulent. 

Additionally, as this XXXX XXXX account is the result of identity theft, Equifax is obligated to block this account from appearing on my credit report once I have provided sufficient documentation. According to 15 U.S.C. 1681c-2, a consumer reporting agency must permanently block information stemming from identity theft upon receiving a police report or affidavit. I have submitted this required documentation, yet Equifax continues to allow the account to reappear.

Given these serious violations of the Fair Credit Reporting Act, I am requesting that the CFPB enforce Equifax 's compliance with the following : Proper notification of reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

A thorough investigation of the disputed account in accordance with 15 U.S.C. 1681i ( a ).

Immediate and permanent blocking of the account per 15 U.S.C. 1681c-2 due to identity theft. 

Thank you for your attention to this matter. I appreciate your assistance in holding Equifax accountable to protect my credit and prevent further harm from this identity theft..
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( XXXX ) in accordance with the WRITTEN instructions of the consumer to whom it relates. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( XXXX ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( XXXX ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. 
I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer. 

I request all ( XXXX ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for GM Financial company to be removed from credit report due to that account is over 7 years old and XXXX XXXX XXXX paid them off in full for the vehicle. GM Financial Company keep reporting negative things to credit bureaus companies.
Product: Credit card

I was a victim of fraud these cards were open with out my consent and knowledge.
Product: Vehicle loan or lease

I totaled a vehicle on XX/XX/XXXX of XXXX, the loan was paid off by XXXX within XXXX weeks at the total pay off price. There is a XXXX balance on the loan. I was then told by XXXX in XXXX that I could cancel my warranty that I bought with the refinance. I called The savings group on XX/XX/XXXX and cancelled my policy, the policy holder XXXX XXXX XXXX then cancelled the policy and sent the savings group an XXXX payment of {$1100.00}. 
The savings group then issued XXXX a check for {$2200.00} and it was received by flagship credit acceptance on XX/XX/XXXX. It was cashed by them and applied to my PAID OFF loan on XX/XX/XXXX. I spoke with a Customer service Supervisor with flagship today XX/XX/XXXX her name was XXXX and her EID is XXXX. She told me that flagship now has XXXX more days to issue me the refund from their end. She can not provide any paperwork stating this time frame. I was told by The XXXX XXXX XXXX XXXX department who issues the check that from XX/XX/XXXX I should have the check for the amount of {$2200.00}. Flagship is not willing to escalate this issue and issue my check. They confirmed the check has been applied to my paid off account. It has been over the XXXX week time frame now and flagship will not release the funds owed to me.
Product: Debt collection

Harris & Harris has called me repeatedly, Their contact information : XXXX XXXX One evening 6 months ago the president of the company that I work for realized no one in our company had been checking the general voice mail box where outside callers can leave messages, he spend time listing to all the message to clear the voice mail box out. 

The next morning when I came into work I was called into the presidents office, he handed me a sheet of paper listing 17 times that Harris & Harris called and left a message, he told me to correct the situation immediately as being a manager of the company this doesn't look good on me. 

I contacted Harris & Harris and told them I'm not allowed to receive calls at work and their Constance calling could jeopardize my employment. 

They stopped calling for a few months but know the calls are starting back up again last call was XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent address update/remove to the credit bureaus five different times. Experian, XXXX, and XXXX has yet to update my report with my recent and only address. I've sent sworn affidavit with the correct address. The address Experian, XXXX, and XXXX continues to report is another persons or family address. 

I have had my personal information stolen within the past year and half to two years ago. I do not want my information being fraudulently used. Please help me with removing these inaccurate addresses and adding my current and only address to my credit profile. I am in fear of Identity theft if this wrong information continues being reported.
Product: Student loan

I am being harassed by Navient collection company for a student loan. I have n't received any documentation stating that this is my loan. Having this on my credit report is causing a hardship and possible loss of job. I am currently going through a XXXX and this negative action by Navient may cause me to lose my job. Please have Navient to stop the harassment and send me any documentation that states this account belong to me. I am requesting immediate action due to the fact that this account is being questioned by the investigators.
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Request per FCRA Dear Credit Bureaus I hope this letter finds you well. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am writing to formally exercise my right to opt-out of any and all authorization that may have been granted to XXXX XXXX XXXX XXXX. This opt-out includes any permissions, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . 

I appreciate your prompt attention to this matter and confirmation of the successful implementation of my opt-out request. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX
Product: Consumer Loan

I bought a XX/XX/XXXX Chev Colorado at XXXX XXXX XXXX XXXX ( aka XXXX ) in XXXX XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I have called them, gone to see them and sent them numerous emails regarding the tags for the car, and to date have received nothing. Also, 2 months after I got the truck the engine 's gone bad. I have paid my pymt each month to the lender, but the dealer has given the 'too bad, so sad ' about the truck not working. The repairs of the engine are almost {$2000.00}, so the truck has sat parked in my driveway since late XXXX. They have been very unresponsive about the tags. So now Im supposed to pay for a truck for the next 5 years that only worked for 60 days after I bought it? I find this such an injustice and what burns me is that I 've had to constantly call them about the tags and the dealer 's last response to me was 'well at least you cant get in trouble cuz you cant drive the truck til its repaired anyway ' ... .really?! That just shows their complete lack of empathy for their customer! I 've been dealing with a jerk at their dealership named XXXX XXXX and another guy ( speaks with an XXXX accent -- he wouldnt tell me his name ). Their DMV rep told me back in XXXX that she 'd get the tags and correction of my address on registration taken care of in about 15 days ... .its been over a month without a reply from them. My issue is not with the lender, but with the dealership.
Product: Credit reporting or other personal consumer reports

Date XX/XX/year> I have submitted several disputes through XXXX and Transunion. The issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems is reporting incorrect and inaccurate information for me, thus, preventing me from opening a new checking account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$170000.00}. Please update this ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; 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 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXr XXXX XXXX XXXX  # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX-REPORTED XXXX Balance : {$74.00} ; XXXXXXXX XXXXREPORTED XXXX Balance : {$9.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX & XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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.
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 Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

XXXX, XXXX and TransUnion have failed to remove fraudulent accounts from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX 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 card or prepaid card

Capital One enticed me to obtain and use their card with the 'use your points to travel on any airline at any time ' / 'XXXX XXXX card '. This is false advertising. My flight was canceled due to COVID and I have a travel credit of {$1000.00} for XXXX XXXX. I tried to book a new flight on XXXX and add my children to the itinerary to use the full credit. Any credit not used by XX/XX/XXXX in a single transaction is forfeited to Capital One ( they keep it ). I was told I couldn't add my children to our flight- this leaves approx. {$500.00} left for Capital One. I was also told I couldn't split the credit up for two flights- again losing a {$500.00} credit. I was told they had to have their own itinerary- they can't- they are XXXX and XXXX XXXX XXXX. Please know, this is not the case for the XXXX XXXX credit card ( I had another flight using their points that was also cancelled due to COVID ) - all the points went back into my account and I could book new flights when I wanted and for my children. These multiple restrictions are making it impossible for me to use my full credit. Also, when I called, I was hung up on, put on hold and then hung up on, and then put on hold forever to 'find my account ' ( that I had already given to XXXX other people who found it very quickly ). 

Marketing a card with " unlimited miles you can actually use '' ( a quote prominently displayed on their webpage today ) is false advertising and misleading when excessive restrictions are placed on use. If i knew this, I would never have gotten this card. 

In addition, Capital One has 'redone ' their travel website and no old flights or credits are on it and they are not easy to find. If someone isn't tech savvy enough to find the old site or if the credits were forgotten about since COVID started ( hey, a lot has been going on ), one wouldn't even know they were still there and Capital One keeps this as profit ( not paying out a benefit ). 


Between the very difficult customer service and the severe restrictions, I believe CCapital One is using this to reduce expenses and increase p profits at the consumer 's expense. Please see how much they are keeping overall in 'forfeited credits '. 

to Remove from any Posting : XXXX XXXX Flight  XXXX XXXX XXXX from XXXX XXXX to XXXX Trip ID Number XXXX Calls to resolve this to XXXX from XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a credit alert about XXXX XXXX reporting a negative account to all three credit bureaus, I immediately contacted them. They told me that this account was being used and payments were being made to the account. I 've never received any credit card from XXXX XXXX and never even knew I was approved for the credit card. XXXX XXXX did mail me a document clearly stating " I will not be liable for any of the unauthorized charges '' which contains a list of items. They then did their job and removed it from my credit report, but one month later they illegally reinserted it into my Trans Union credit report. After I called Trans Union, they told me they switched the account numbers up but it certainly is the same account with a balance due of {$2900.00}. I was not notified of this by mail, as required by the FCRA. Trans Union said it might be a mistake by XXXX XXXX so I called them back and they confirmed it. I have a copy of the Trans Union report showing this account was deleted by XXXX XXXX on XXXX/XXXX/17. Now it was reinserted illegally.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX have conspired against consumer by adding negative remarks. This is a response just for you two