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

I am writing to express my utmost urgency and frustration regarding a matter that demands immediate attention. Despite my persistent efforts to resolve the issue, fraudulent accounts persist on my credit report, which is an egregious violation of my consumer rights and can not be tolerated any longer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Your repeated failure to address this situation is not only unacceptable but also deeply troubling. These fraudulent accounts are tarnishing my financial reputation and causing considerable distress. As a victim of identity theft, your bureau 's negligence only exacerbates the severity of the situation. 

I demand urgent action from your bureau to cease reporting these fraudulent accounts on my credit file. Your inability or unwillingness to do so reflects a blatant disregard for your duty and the law. It is evident that the current practices of your bureau are inadequate and must be rectified immediately. 

Moreover, I expect a written response from your bureau within the next five business days, confirming the removal of these fraudulent accounts from my credit report. Additionally, I require comprehensive documentation outlining the steps taken to investigate and resolve this matter. 

Let me be unequivocal : if these demands are not promptly met, I will not hesitate to pursue legal action against your bureau. The repercussions of your inaction will be severe, and you will be held accountable for the significant harm caused to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2016 they submitted a hard credit inquiry against my credit account.
Product: Credit reporting or other personal consumer reports

The company agreed to delete my account from Collectiions once payment was made. They did not do what they promised.
Product: Debt collection

On Friday, XX/XX/2021, I payed my debt. I asked for receipt, and Unifin ( they were hired by XXXX XXXX XXXX XXXX said give until Monday and send the receipt back signed. I did I waited up until that moment and called them back to ensure they received it. They claimed they did and the Zero balance paper would be sent to in 24 to 48 hours. On XX/XX/2021 I called them and they claimed they never received the signed receipt. I told them a previous representative claimed they did receive it. They said I would have to send it again and give it another 24 - 48 hours. I ended the call and decided the FTC would be the best course of action. All they did was claim I never made contact with on Monday XX/XX/2021. I simply want a zero balance letter, but they only seem to be having me run around in circles
Product: Vehicle loan or lease

On or about XX/XX/XXXX, I as a consumer aquire a lease from XXXX XXXX if XXXX, for personal, family and household purposes, I and XXXX XXXX XXXX, agreed by contract to certain terms and conditions ( as I reserve my rights ) for a 30 month lease with a security deposit of XXXX dollars, which was express to me that I would get those security and funds back, if I dod not want to purchase said contract at the end of the lease, after 30 months of having the automobile, I enquired about taking full ownership, upon requesting, XXXX XXXX of XXXX through there agents/workers, try to make me pay over XXXX dollars, to have full ownership to the automobile, ( which was never mention or told to me or put in a contract ) after the disappointment, I asked for my security deposit of XXXX dollars, ( which was not given to me ) so after the 30 months, I and XXXX XXXX XXXX by way of telephone communication, extending the lease, to give me more time and to go elsewhere to find a financial institution to assign said contract and take full ownership, for a additional 3 months, after the 3 months a inquired about my security deposit of XXXX dollars and they brushed it off, but a month later my account was credited XXXX and then a month later, XXXX XXXX XXXX, stated that the credit was in error and reversed it, but agree to extend my lease for another 3 months, and sent a contract, that I had to sign, and upon looking at tge contract , I put my terms and faxed it to XXXX XXXX XXXX , I continue making payments for the monthly bills that XXXX XXXX XXXX sent each month, as a assumed the lease was extended until a financial institution could be found, ( XXXX XXXX XXXX , put a late payment on my credit report and after disputing that error, they reverse my late charge but did not reserve the reporting of that alleged late payment, which put a bad mark on my credit report, ) in good faith, I made and continue to make the monthly payments that was due by way of XXXX XXXX XXXX , sending me a bill each month, but to my surprise and shock, on or about XX/XX/XXXX XXXX XXXX XXXX sent a tow truck at my daughters home that I was visiting at XXXXXXXX XXXX to seize my automobile and my possessions that were inside, with a warrant, court order, or any documents, stating that XXXX XXXX XXXX XXXX XXXX my automobile, or possessions that were inside without my consent and XXXX XXXX XXXX XXXX never gave me, due process, or notice of any such actions, I would have handle it properly if given notice, and when calling XXXX XXXX XXXX , I was told to get a lawyer and I can't talk to there legal department if I was nit a lawyer, ( given me legal advice, and I don't belive they have a license to practice law ) the woman was " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section.602.A.States i have a right to Privavcy To Whom It May Concern I did not Authorize anyone employed by these companies to any inquiry and view my credit report.This is a vi olation of the of Fair Credit Reporting Act Section 1681b ( c ) and a XXXX XXXX of my privacy rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to obtain an auto loan. However, my lender says my Equifax credit is more than likely frozen. I called Equifax on XX/XX/2018 to unfreeze my account, which I never froze in the first place. When I finally spoke to a representative and gave her my information, she informed me that Equifax had no record of me in the system. I have had established credit for 6+ years! Several credit cards and auto loans. I have verified that at least 2 of my credit cards ( XXXX XXXX and XXXX ) report to Equifax. There is no reason that my credit should be missing, especially since I provided my SSN, birthday, name, address, etc. I even remember 2 years or so ago checking my Equifax score on XXXX XXXX. This makes no sense that I have just " disappeared '' from record.
Product: Vehicle loan or lease

On XX/XX/XXXX I cosigned for an auto loan through M & T Bank for my friend. I've never been late on paying anything in my entire life. On XX/XX/XXXX I received a phone call stating the account was overdue, and I immediately paid the balance. They kept asking me to verify my address, but would not accept my address, as somebody other than myself somehow changed my address without my permission. I then proceeded to ask how late the payments were and if this was going to negatively impact my credit. I was told that it already had. I pulled my credit report, and it dropped 114 POINTS. I asked how this could even be possible, why they never bothered to try contacting me until it was too late. I spoke with 7 different people, and nobody could answer the question. All I was able to find out was that this loan has been delinquent since XX/XX/XXXX, that my cell phone had been put on a " do not call '' list, and my address completely removed from their files. I am the cosigner on this loan and we are both equally responsible for this debt, so why is it that I was never informed it was delinquent- and for 8 months?! The moment I finally received a phone call from them I paid the balance! The last person I spoke with said he would file a dispute, but said their response would be sent to that address on file which is not even mine!!! I am severely concerned that a bank of this size would allow my information to be changed or removed without my knowledge- this is a HUGE privacy concern! And for them to act like it's perfectly normal is another issue. I am upset that the bank failed to contact me, had no respect for my outstanding credit history, and additionally the fact they never reached out could have been due to a security breach. I am taking this step to avoid further potential legal action against M & T Bank for damages to my credit character.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, has violated the consumer rights of XXXX XXXX XXXX ( the alleged debt consumer ) and any variations of the name, by reporting charge offs ( CO ) to profit credit reporting agencies. No transactions or experiences are allowed to be on a consumer credit report. Income is forbidden to be on the consumers credit reports. Alleged Consumer of the debt confirms that no 1099c forms was ever provided or mailed to alleged consumer. Nor has any validated and verified proof of original creditor or alleged consumer data was provided to prove that the debt is legally responsible to be paid by alleged consumer, XXXX XXXX XXXX or any variation of the name, states sue has never had a contract with this debt collector for any debt. Please DELETE this account immediately and the ARBITRATION process will take place for EVERY negative account that has been reported and EACH time it has been reported per negative account. 15 U.S. CODE 1681 ( n ) Pursuant 15 U.S. Code 1681 ( 2 ) ( a ) ( ). Please contact all agencies, corporations and organisations that you have reported this information to within 10 days of this notification. I expect to see each negative remark listed on all accounts DELETED PERMANENTLY including but not limited to EXPERIAN, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and all other nationwide consumer reporting agencies. 

Respectfully, XXXX XXXX, UCC1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX  account # XXXX Dept of Education 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: Bank account or service

I Had money save up on money orders i deposit into my bank account a few days later my account is being close Bank of american never gave me a reason for closing my account
Product: Debt collection

Mid America out of XXXX MO is calling me repeatedly at my place of employment. They also call my personal cell at all hours of the day including late at night. No information has been received in writing from this business.
Product: Mortgage

Mortgage Assistance Application Loan # XXXX - Attn : Case Manager 1, XXXX XXXX Hello, I have been working with my mortgage company to modify my mortgage. Due to a job loss in XX/XX/XXXX, I was unable to meet my mortgage obligations. So I have applied with my lender to modify my loan. Recently my most recent application was over 90 days old so the lender asked me to fill out another loan modification application and financial form. And this was requested by XX/XX/XXXX. But in doing this my mortgage company on XX/XX/XXXX notified me that a foreclosure sale date has been set for XX/XX/XXXX. According to my research Regulation X of The Real Estate Settlement Procedures Act of 1974 ( RESPA ). Notes that if a loan modification application has submitted a lender can not set a foreclosure date that's more than 37 days of the application. But that's exactly what my lender has done. There has been a lot of confusion from my lender, the loan has changed management companies 2 times since the start of this application. I actually have two letters on the same letterhead dated the same but with different information. One letter states my loan modification can not move forward. And the second letter dated the same date as the first asked me to send in more documents to further review my application. 

PHH Mortgage Services enforced by XXXX XXXX Sincerely yours, XXXX XXXX XX/XX/XXXX XXXX Loan # XXXX
Product: Debt collection

This XXXX XXXX XXXX  want to see me in court for an unpaid debt from 7 years ago XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am on XXXX barely getting by
Product: Mortgage

Signed loan docs with XXXX XXXX XXXX on XX/XX/21 - refinancing an existing mortgage with XXXX XXXX 
First payment was due XXXX. 
I rec 'd a billing stmt from XXXX on XXXX. 
I paid my first mortgage payment, {$3100.00} on XXXX ( for due date XXXX ) Days later, I received notification from Mr. Cooper ( servicer ) that they were taking over control of my loan - and I received a billing statement, dated XXXX - showing payment due XXXX. 

After multiple attempts to reach Mr. Cooper, I connected with on XXXX. I informed them my payment was made and they should contact XXXX to find out where it is. I spoke with XXXX, in escalations, who was no help in finding my payment they lost- but did try to sell me insurance (? ). 

Strangely, I rec 'd another bill from XXXX XXXX XXXX, dated XXXX - reflecting my first payment being posted - and not showing my account due until XXXX. 

On XXXX Mr Cooper called on my delinquent loan - stating that non-payment could impact my credit and result in late fees. Not sure how a payment made weeks in advance could lead to this outcome. Change in servicing is what resulted in this problem- and I did not ask for my loan to be sold, serviced elsewhere or whatever.
Product: Payday loan, title loan, or personal loan

On Tuesday XX/XX/28 I applied for a loan on XXXX They asked for a {$9.00} fee to verify identity and I had to send a picture of my drivers license. Today I get an email to contact https : XXXX and I have to pay a {$75.00} referral fee to be referred to a lender for a guaranteed loan. After this email I checked the XXXX website and the complaints are crazy, stating that they paid the referral fee and still did not get approved for a loan. I didn't think that loan companies were allowed to charges any kind of fees before receiving a loan.
Product: Credit reporting or other personal consumer reports

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable XXXX, and I implore you to correct this mistake by promptly removing it from my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission to XXXX consistently responding within 24 hours, the account is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act of FCRA 15 U.S.C.1681, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the consumer financial protection act cfpa, 12 u.s.c. 5536 ( a ) ( 1 ) ( a ) ( b ), as highlighted in CFPB 's recent administrative proceeding ( file no. 2025 cfpb-0002 ) against them for similar violations. I request the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

National Credit Systems has a collection on my account that has been verified with fraudulent paperwork from the original creditor XXXX XXXX. XXXX XXXX the property manager filed a eviction based off false information. The matter was resolved in court with me having to move because the property manager told the judge she didnt want to address the money she claimed was owed because she knew it wasnt correct the reason I responded to the lawsuit. The balance owed is based off fraudulent paperwork that XXXX XXXX submitted to the collection agency.
Product: Credit reporting

I am trying to retrieve my credit report. They stated they have nothing to do with retrieving it. I should contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO TRANSUNION This letter is a formal complaint because you are continuing to violate my Consumer rights : -YOU NEVER EVER PROVIDED ME THE REQUESTED DOCUMENTATION YOU USED TO VERIFY MY DISPUTES, NOR DID YOU EVER PROVIDE ME ANY WRITTEN PROOF OF YOUR INDEPENDANT INVESTIGATION INTO MY DIPSUTES. 
-YOU NEVER EVER conducted a reasonable reinvestigation of information on my consumer 's credit report, alleged by me, the consumer, to be inaccurate. YOU ARE THEREFORE VIOLATING 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1982 ), -YOU ALWAYS RETALIATE ALL MY DISPUTES WITH AN INTENTIONAL CREDIT SCORE DROP.

-YOU MOCKINGLY SENT ME YOUR PHONY INVESTIGATION RESULTS WRITTEN IN SPANISH -YOU CONTINUE TO ONLY USE e-OSCAR- A CLEAR VIOLATION- AS MENTIONED IN CUSHMAN vs. TRANSUNION THIS IS A FINAL WARNING THAT YOU NEED TO STOP CAUSING ME DAMAGE AND FINANCIAL HARDSHIP BY IGNORING CFPB RULES FOR THE LAST 8 Months. 

XXXXXXXX XXXX XXXX Account number XXXX PLEASE REMOVE THIS ACCOUNT, because it is UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE AND ALSO THIS IS NOT A VALID CREDIT CARD NUMBER. 

XXXX XXXX Account XXXX **** PLEASE REMOVE THIS ACCOUNT, because it is UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE. 

I reserve the right to sue your Company for violations of my Consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX through XXXX. Student loan XXXX XXXXXXXX XXXX XXXX  ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. 

They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.
Product: Credit card

Transaction post date : XX/XX/year> Date disputed : XX/XX/year> Date the dispute closed : XX/XX/year> Amount : {$450.00} I filled a dispute for an auto Mechanic fraudulent charge. The mechanic arrived hours late, never provided the service he was hired for, instead he was trying to scam me into paying thousands of dollars to replace a part that was perfectly operable. I refused and he just charged my card without my knowledge. 
In response to my dispute, the merchant provided a document of which he signed it himself, he also edited the document with completely fabricated information. Chase XXXX credit card accepted the merchants fabricated document and closed the dispute in his favor. 
I contacted chase united many times. Every call, I received a different and misleading information on how to reopen this dispute. I sent them documents, uploaded documents on their website, and I even went to one of their branches, the branch uploaded and faxed the documents to the dispute department. 
Calling them to confirm they received the paperwork, the answers are - the documents are not showing on your account, it takes time, we dont know if the fax was received, we cant see what you uploaded, theres no one that can confirm receipt of your documents, BUT they keep informing me that I only have one day left to submit those documents! The last call I made, a representative named XXXX actually told me that there is no option to dispute this charge, and told me next time dont order a service over the phone! 
For my request to speak to a supervisor, I received a reply that a supervisor will call me back in 2-4 business days. Of course after the time limit they stated I have left to reopen this dispute.
Product: Credit reporting or other personal consumer reports

experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inacurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systemic issues such as failing to forwardconsumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or ammend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.