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

I am writing to file an official and urgent complaint against the credit reporting agencies and financial institutions listed below for reporting accounts that are either fraudulent, inaccurately assigned to me due to identity theft, or are directly related to my victimization under debt bondagea form of human trafficking as defined by the federal government.

These accounts are not mine. They were either opened fraudulently or are otherwise a result of coercion and should be permanently blocked and deleted from all credit reporting agencies under the protections of the Fair Credit Reporting Act ( FCRA ), Section 605C, as well as the CFPBs Final Rule under 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) which explicitly provides for the immediate blocking of information for victims of trafficking and debt coercion.

Under FCRA 605C, I formally request that the CFPB compel the credit bureaus and furnishers to block and remove all the following derogatory items from my credit reports within four business days, as I have submitted appropriate documentation including my identity theft affidavit, a sworn statement from an advocacy organization, and evidence confirming my victim status under federal trafficking protections. 

Additionally, these accounts violate the FCRA Sections 605 ( a ), 609 ( a ), and 611 ( a ) which require the credit bureaus to only report verifiable, accurate, and current information. Repeated prior disputes have gone unvalidated, and I am now escalating this to your office for formal enforcement action. 



Accounts to Be Permanently Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit cards XXXX XXXX  DELAWARE XXXX XXXX  DELAWARE XXXX XXXX  XXXX XXXX  XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I contacted American Express about numerous unauthorized charges on my XX/XX/XXXX-XX/XX/XXXX statements, and requested they investigate these charges. In two or three instances, after months of investigation, they apparently determined that my objections were correct, and removed the charges. However, they have continuously demanded through phone calls, robocalls and letters that I pay the full balance. When I requested that they cease their robocalls at strange hours of the day and night, and instead continue to investigate the disputed items, they declined to do so, and instead reported my alleged delinquency to the credit reporting agencies, denied me the opportunity to continue charging even though I have a Platinum Card for which I pay an annual fee, and finally cancelled the card. I spoke to them about 2 weeks ago and urged them to continue their investigations of disputed items, and told them I would pay what we would agree as to the amount owed, minus a sum for the unwarranted damage to my credit reputation caused by their irresponsible actions. Their response was to continue the robocalls, cancel the account, and then offer me a new ( but inferior ) card only if I paid their bills in full, plus usurious interest charges and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( ( collections ) XXXX - Ive called several times just to hear different stories. & & for a mistake they made the only thing they can say is sorry we dont report to XXXX anymore!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting in accurate ( old ) information passed the allowed time frame based on the fair credit reporting act.
Product: Vehicle loan or lease

I am leasing from brite financial serv. On my credit report the amount on the auto loan is reflecting as if I am late on my payments because the loan amount goes up and down. This problem is cause my scoring to goes down. 
I asked a lady why is this doing this she stated that it should not reflex a balance at all since I am leasing but when I told her a balance was reflecting she did not know why. my lease end in 2020 I am trying to buy a house and this issue is not helping. Please help resolved this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau a few times in the last 90 days on XX/XX/ and XX/XX/XXXX.  Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXXXXXX XXXX ( XXXX ), XXXX, and U.S. Bank for multiple violations of federal and state consumer protection laws in connection with fraudulent debt collection, securitization violations, and continued reporting of charged-off debts that are legally uncollectible. 

XXXX. Attempting to Collect on Debts That Were Securitized & Discharged The debts in question were charged off, transferred into a trust, and securitized, meaning XXXX, XXXX, and U.S. Bank no longer have any legal ownership or standing to collect. 
Per UCC Article 9 & federal securitization laws, once a debt has been transferred into a trust for securitization, the original creditor no longer has any right to collect or report it unless it repurchases the debt ( which did not occur ).

Despite this, the banks have continued to attempt collections and to report these accounts as outstanding, in violation of 15 U.S.C. 1692e ( False or Misleading Representations ) under the FDCPA.

2. Failure to Validate Debt Under FDCPA & FCRA The Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) require that a debt be validated upon request.

These banks have failed to provide a proper chain of title or verification of the alleged debts in compliance with 15 U.S.C. 1692g ( Debt Validation Requirements ).

Without a lawful assignment or proof of ownership, these debts must be permanently removed.

3. Continued Reporting of Charged-Off & Securitized Accounts as Delinquent Under 15 U.S.C. 1681s-2 ( Furnisher Responsibilities ), a creditor may not furnish inaccurate or unverifiable information.

These banks continue to report these debts as past due despite them being fully charged off and sold.

This constitutes reckless and willful misreporting under 15 U.S.C. 1681n, making them liable for damages.

4. Violation of the Truth in Lending Act ( TILA ) & Fair Credit Billing Act ( FCBA ) By continuing to misrepresent the status of these accounts, these entities have engaged in deceptive lending practices under 15 U.S.C. 1601 et seq. ( TILA ).

These banks have also violated 12 C.F.R. 1026 ( Regulation Z ), which mandates clear and accurate account disclosures.

5. Unlawful Attempt to Collect on Discharged & Time-Barred Debts Under state and federal laws, charged-off debts that are time-barred can not be collected on, sold, or reported as active delinquencies. 
The FTC and CFPB have fined banks for this practice, yet XXXX, XXXX, and U.S. Bank continue to engage in it. 
This is a clear violation of the FDCPA, FCRA, and various state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with this credit bureau for years and having a issue disputing 3 items on my credit report ... Those items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt open these account at all or do business with them and I send in a vaild police police ( FTC )  and Experian didnt remove it off my file and I have to wait 30 days again and few reps were rude to me and told me I have to talk to the creditors which I did and they told me they send in the information to Experian and the other two bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX open XXXX XXXX {$1300.00} XXXX XXXX open XXXX XXXX {$360.00} XXXX XXXX open XXXX XXXX {$5800.00} XXXX XXXXXXXX XXXX also the i get denyed by banks never open a account a day in my life need everything gone from my report. 
its say i have a collection of over XXXX i called and i tryed disputing, people say i owe i get denied for house becouse of it, i know the person who used my identity to get things in my name i didnt give access to my credit report till this year my mother been using my name to get thing without my permission. also i got my last name changed due to marrage need everything updated my info and the info on my repoet is wrong. i was a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report had once more locked me out. This has been going on the past three years while I've been trying to get two of the same kind mortgage servicers to correct wrongful information that they report to the credit bureaus. They had blocked me from getting the XXXX XXXX XXXX and then for a few months allowed me access to later block me again. This time my Equifax was blocked and I left it that way because I knew once more they were either doing this for the mortgage company or allowing the mortgage company to do it. On Friday with much thinking I called the XXXX XXXX number listed with the error message. And in the many attempts to correct my intentionally blocked Equifax access, they asked mentioned that I had a VPN and that I need to disable it. I made the mistake of doing so and my PC has been an horror story since. Contacting the VPN company is how I found out I was asked to remove my VPN to allow access, because my VPN could in no way effect an log-in problem at a website. I'm not at all surprised this happened while trying to log into Equifax, I've had other very similar experiences and that's why I did not attempt to call that number. Its very obvious that serious changes has been made to my PC. And in an attempt to change passwords, I'm still wrestling to get things back the way it was before calling Equifax. I should have expected something when the guy kept muting the call if if he was talking to someone else. I feel rally bad about this because I had recently read that others had similar problems, but it was with my same mortgage company. They set me up to be hacked and exploited. I was told to contact the XXXX and that was done and to also report the crime at my local police on Monday. Its well known that XXXX XXXX XXXX XXXX is trying to steal our equity. Its also well documented. And they have been very aggressive. Hopefully someone will read here and avoid the mistake I've made to trust Equifax to allow me access to see my credit report, which if you are using MyEquifax, it is not what the lenders see. it is a second reporting that does not show what the XXXX XXXX XXXX shows. They have blocked me from getting my XXXX XXXX XXXX and have also prevented us from purchasing their paid and premium reporting, because they don't want us to see that they are not showing our Personal " Dispute Statement '' that we are legally allowed to have posted on our credit report. They like XXXX don't realize that the credit reporting services let you know when that statement has been removed. Why Equifax is so adamant to protect and allow such criminal behavior to take place is beyond us. We were told to keep documenting and we will continue
Product: Mortgage

My name is XXXX XXXX, and Wells Fargo has victimized me since XXXX. They have violated me with every claim in every class action lawsuit, and I am still fighting. I am exhausted, about to have a XXXX XXXX, and I need help and justice as they will not stop sabotaging my life. 

I have spent years suing them and searching for justice in XXXX XXXX Wells Fargo XXXX # XXXX ( no longer available in online public records ) which led to WF receiving default judgement due to the courts not accepting my mailed responses and filings due to title verbiage and time lapse. 

I have now been fighting WF again in # XXXX XXXX XXXX XXXX? XXXX and trying to get the courts to recognise the class action lawsuits and all of the fraud, account mishandling, and the irreversible destruction of my account and my life for the past 17 years. 

Please, you will see that they unlawfully listed my home for sale in XXXX, placed monthly inspection fees, redlined, failed to apply payments, failed to appropriately apply partial payments, returned thousands of dollars, created bogus fees, unknown charges, held money in a suspended account, verbally approved the XXXX program then denied it through the process, placing me on a forbearance plan for 1year, advising me not to pay certain months, and not making timely or correct adjustments/corrections as required by the class action suits, etc. 

They are serial offenders and it seems like the end is nowhere in sight. With the harassment and foreclosure notices on the property it led to my handyman deciding to squat in my home to ride out the Covid Pandemic and up until foreclosure, forcing me into a homeless status as the police advised that squatting was a civil case. The squatter did lots of damage breaking in and leaving the house exposed to the outdoor elements in XX/XX/XXXX. During the investigation stage WF reported that the home was vacant to the homeowners insurance company which has left me with thousands of dollars for the completed water extraction, repairs, and resulting in the cancellation of the policy. 

Please, this is just a little grain of sand to what I have been dealing with! 

This needs exposure, I need help and intervention, I need someone to step in as the judges in the case keep changing and Wells Fargo 's attorneys keep changing as well. Everyone keeps changing which makes the case as a whole impossible to keep up with due to its severe complexity. The judges in the State of XXXX do not have the tools or knowhow to deal with a case like this and I fear having to live the rest of my years feeling violated and without a drop of justice. 

Please help!!! You are my only hope! Please take a look into my claims within these cases, all of which have been charged in class action lawsuits, but nobody seems to find any legitimacy or weight and WF continues to fight and deny it all! 

I need you! PLEASE HELP! If you can't help, PLEASE FORWARD THIS EMAIL TO SOMEONE WHO CAN!
Product: Debt collection

MCA management company has placed a collections/chargeoff account in the amount of {$800.00} for an original lender of XXXX  XXXX. I am not aware of this, and there the account type is NOT REPORTED nor is an amount past due, nor is a credit limit, I am confused why MCA management company did not attempt to contact me in writing so that I could request a VOD, Why would they just place a negative mark on my credit reports? Is this even mine, did I apply for credit with someone? What were the payment arrangements? I did not agree to anything with MCA management company, I have never heard of them. send VOD, with all additional documentation that you can provide me with
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing XXXX XXXX XXXX c ) ( B ) ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed these accounts and Experian has failed to conduct an investigation within 30 days. I submitted an investigation XXXX and have not received any documentation and the accounts are still reporting on the credit report. I was under the impression that after 30 days and an investigation has been completed the accounts have to be deleted according to 611 ( a ). This is automatic grounds for deletion so these accounts need to be deleted from my reports immediately. I am also a victim of the XXXX Databreach and there is no telling who has been using my information.
Product: Checking or savings account

My earlier complaint was satisfied by Bank America. The complaint was filed on XX/XX/XXXX, complaint # XXXX. There was fraud in my son 's checking account. After our complaint was filed, the money that was withdrawn from our accounts was returned. We were satisfied, and maintained our Bank America ( BOA ) accounts. To our surprise BOA apparently revisited the issue just this past month, and claimed my son was responsible for the fraud, & then raided it of all funds and closed the account, which is held jointly with me. The account without any warning was suddenly closed on XX/XX/XXXX. When we called they told it was because of the earlier fraud and that the money needs to returned. Bank America than raided my personal account, and took an additional {$770.00} out of my account. All this was done without explanation. I'm attaching a pdf of the XX/XX/XXXX letters, announcing the closing of the account and the withdrawal of funds from my account. The letters do not explain the reason for why the money was taken out, or the reason for the closing of our joint account. I've called Bank America numerous times. One representative promised that he would investigate, and would get back to me. But that was two weeks ago. When I call I get transferred from one BOA division to the next. I've wasted a lot of time on the phone repeatedly telling one representative after another the past and the present. No one is able to explain. They seem unaware of their earlier letter recognizing that my son was a victim and not responsible for the fraudulent check deposited into his account.
Product: Credit reporting

I sent Capital One a disputed and validation letter on XXXX XXXX, 2015 under the fair credit act they keep send me a letter that the account has been sold but i got XXXX to delete these from my credit report because they could not prove they are my accounts. So i am trying to get Capital One to do the some thing but they keep trying to send me to XXXX XXXX.
Product: Credit card or prepaid card

My wife was on a business trip that I accompanied her on to Northern Ca. We stayed the night before in XXXX XXXX, Ca., in one room and used our Citi Card. We made reservations the next night online for the XXXX XXXX, when we arrived, we were given only one choice of an upstairs room that was available, difficult being a senior and lugging suitcases, but we took the room, enjoyed 1 night there and check out in the morning. We've called the Hotel to dispute and they have a booking service that made duplicate reservations. As you can see one of them is the wrong spelling of our name. Regardless, we checked into and used 1 room, it's obvious we wouldn't have needed 3 rooms and if we had 3, why weren't we given options on check in? I've taken this up with CIti and they are absolutely no help, they just send an inquiry and then charge you. 

This is the second time I've had an issue with Citi Card on a fraudulent charge, last time they did not remove the charge and now it's happening again. Long time card holder, excellent credit score, Veteran and would appreciate any help with this.
Product: Mortgage

My mortgage was transferred from  XXXX   XXXX   XXXX . to  Dovenmuehle Mor tgage  XXXX   Inc.  on   XXXX   XXXX   XXXX  . My homeowners insurance compan y (   XXXX   XXXX   XXXX    ) has been invoicing them to pay my insurance renewal premium, whic h they failed to do for 4 months, and my insurance was cancelled effective  XX/XX/XXXX . I had to find alternate homeowners insurance because  XXXX   XXXX   XXXX  would not issue me another policy because I had gone without coverage for over 45 days. I was finally able to find another insur ance carrier, and  they have also issued invoices to  Dovenmuehle si nce   XXXX   and to date  Dovenmuehle has not pa id for the new insurance either. I am now going on mont h 5 with no  homeowners insurance, despite an over-abundance of funds in my escrow account. In addition, they are sending letters warning us that they will take out their own insurance on our property, all while refusing to pay the invoices they have been receiving since  XXXX . I need assistance immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX