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

Sent in disputes via certified mail. The receiver signed for the mail on XX/XX/2020. Since then I have received no acknowledgement pertaining to these disputes. Under FCRA credit bureaus have 30 days to investigate and come up with results for disputes. I allotted the companies extra time due to COVID-19 but we are at almost 2 months at this point and it is starting to become unacceptable as it is violating the FCRA laws when disputing inaccuracies or fraudulent marks on ones credit report.
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Product: Credit reporting or other personal consumer reports

I have submitted nine separate requests to investigate discrepancies in my credit report, but I have not received any responses. Each request has involved expenses for time and postage, yet there has been no resolution or acknowledgment from the reporting agencies. This ongoing issue has caused significant inconvenience and financial burden without any progress towards a resolution. I urge the CFPB to look into these unaddressed requests and the lack of communication from the agencies involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX/DOFED XXXX, XXXX/DOFED XXXXDOFED XXXX, XXXX/DOFED XXXX, XXXX/DOFED XXXXDOFED XXXX XXXX, XXXX/DOFED XXXX and XXXX/DOFED XXXX
Product: Credit reporting or other personal consumer reports

Hello, I would like to initiate an investigation into these accounts, as there seems to be an issue with their accuracy on my credit report. Although these accounts were removed before, they have been added back without my knowledge. I did not receive any notification or mail correspondence regarding their reappearance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed XXXX, XXXX, and Equifax to reinvestigate and or remove these accounts : 1. 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 In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Debt collection

I was in the XXXXXXXX XXXX XXXX XXXXr and just got out very recently. Once I got out I realized my home was in foreclosure with an auction date. I did not have a phone or any way to communicate with my mortgage company. I am still suffering from XXXX issues. But, when I got out of the XXXX I reached out to XXXX, XXXX, and XXXX, XXXX who is the trustee attorney for Citizens Bank my mortgage company and with assistance from a friend I sent them a debt validation letter on XXXX XXXX XXXX  requesting them to provide more information and validate what debt they are saying I owe regarding my mortgage, late fees, escrow arrearage and other fees etc. My plan was to confirm this debt so that I can either reinstate the loan or have all the figures to know what is needed to sell my home. The trustee attorney sent me an email saying the received the debt validation letter and they said they would send it to Citizens bank to see if the foreclosure could be postponed in order to gather this information to make a decision to reinstate the loan or sell the home. The trustee attorney nor the mortgage company gave me this option which I really believe was a travesty because I did not have an opportunity or option to save my home from foreclosure simply because I was not available while I was hospitalized. I shared all of this information with both the trustee attorney and the mortgage company but they did not care and said they could not postpone the foreclosure. I do not believe they wanted to hear my story or work with me to prevent foreclosure and make due on the debt they claim I owed either by reinstating the loan or selling my home. Please let me know if you can now stop the ratification of this foreclosure auction sale which happened XX/XX/2024 at XXXX and reverse these terrible events taken by the trustee attorney with the authorization of the mortgage company. I have attached my debt validation letter below that I sent the trustee attorney. Thank you.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. 
Please remove these false accounts from my accounts immediately this is a violation of the law and proof has not been given to me that I requested showing I did make these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to XXXX/XXXX XXXX XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying i have a account in collections. This is false i've sent them multiple letters no response.
Product: Credit reporting or other personal consumer reports

CREDCO XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I also report identity fraud due to proof of being victim of data breech, and information on the dark web.
Product: Debt collection

This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). You are claiming I owe a debt with the following details : Account Name : JPMCM - Card Services Account Number : XXXX Amount OwedXXXX Please provide me with the following information to validate this alleged debt : Proof I owe this debt : Provide documentation demonstrating that I have a contractual obligation to pay this debt ( e.g., signed contract, billing statements ). 
Name and address of the original creditor : If the debt has been transferred, provide the name and address of the original creditor. 
Itemization of the debt : Provide a breakdown of the claimed amount, including principal, interest, and any applicable fees. 
According to the FDCPA, you have 30 days from receipt of this letter to provide this validation. While awaiting validation, please cease all collection activities. 

If you fail to provide the requested validation, I will consider the debt invalid and expect any negative reporting associated with it to be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my identity was used to open account with USAA Federal Savings. I have never conducted business with this bank in person or by phone. My credit is ruined due to these accounts that I am not responsible for and did not open. USAA Federal Savings has allowed someone to open accounts using my identity. The following accounts are listed on my credit report : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Checking or savings account

I have disputed fraudulent charges made on my account on XX/XX/XXXX after I noticed the fraudulent charges that took place on XX/XX/XXXX. 

I told the Wells Fargo Claim representative VERY CLEARLY, that my phone and wallet were both stolen while I was out, my email was also hijacked hence why the email on the account has now been changed. My number was retrieved but my phone and wallet are still stolen. 

Wells Fargo denied my initial dispute claiming that these charges were not fraudulent and I in fact made the charges a few days later. 

I then went to the CFPB to receive my funds back. I received a letter from Wells Fargo stating " Claim XXXX was filed when we were informed that multiple unauthorized transactions posted to your account. Our claims department reviewed this matter and found the transactions were performed by you or someone with your authorization. Consequently, your claim was closed on XX/XX/XXXX. 
We have reviewed your claim information and we agree with the decision previously communicated by our claims department. There were multiple successful logins to your Online Banking session during the timeframe of the disputed transactions were performed indicating you were aware of the transactions posting to your account. 
Additionally, some of the disputed transactions were verified via email. Based on the above information, we are unable to pay your claim. 
While we realize the information provided may not alleviate your frustrations, we hope this letter serves to clarify Wells Fargos action about this matter. '' As I stated initially to the Wells Fargo Claim department when disputing the transactions as fraud, MY PHONE and wallet were stolen. The person who stole these items most likely used my phone and was able to access my email and all my bank accounts from the mobile apps. 

The response I received from XXXX at Wells Fargo is inaccurate and Wells Fargo completely disregarded what I initially told them over the phone when disputing my transactions. 

This will be the last attempt I try to retrieve my stolen funds before hiring an attorney. Wells Fargo states that we as the customers are " NOT LIABLE FOR FRAUDULENT TRANSACTIONS '' although it seems very clear that I am in fact liable for fraudulent transactions as Wells Fargo is insisting to make me liable for this entire claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX. XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$220.00} 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: Debt collection

Charges were already dropped and are reflected by XXXX but are not updated with XXXX. I demand this charges to be dropped. Thanks a lot.
Product: Credit card

I believe the account is invalid. DISCOVER BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. DISCOVER BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had a issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the amount of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Product: Credit reporting or other personal consumer reports

I am following up on my complaint regarding the persisting negative accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I am formally requesting proof and validation of the documentation in question, with all applicable rules, codes, or regulations cited that would mandate the removal of inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( Dispute Accuracy of Information ) and 623 ( Responsibilities of Furnishers of Information ), information providers and credit reporting agencies are required to ensure accuracy and correct or remove incorrect data upon verification of any inaccuracies. 

This letter from the courthouse serves as evidence that the information is unvalidated and incorrect. According to FCRA guidelines, inaccurate information must be removed or corrected within 30 days of a verified dispute. Additionally, any state-level data protection or consumer rights laws that uphold the accuracy of reported information should also be adhered to. I urge compliance with these standards to ensure accuracy in this matter and request prompt correction as required by law. You XXXX  are breaking the law
Product: Credit reporting or other personal consumer reports

My credit was used fraudulently. I have filed an Identity Theft report again, as requested by Experian. I have submitted it to them via mail, however, they continually send me letters stating that they won't process the dispute because they don't think it's me submitting the letter along with the Identity Theft report. I am here to tell you that it is me. 

I am writing this correspondence because my last communications that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all went unanswered. Im sure you understand that credit bureaus are mandated to follow the Fair Credit Reporting Act and under said act, you are REQUIRED to respond to all disputes and/or requests for verification of compliant reporting within 30 days. You have FAILED to do so and are now in VIOLATION of the federally composed Fair Credit Reporting Act.

Per 15 U.S. Code 1681i ( a ) : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

my balance on your federal student loan is higher than it should be, I haven't received credit for payments that I have made, & that your loan was previously paid in full or discharged.
Product: Mortgage

To whom it may concern good afternoon I have a huge issue with Ditech XXXX account number of my loan is # XXXX The phone number is XXXX and their address is XXXX XXXX  XXXX XXXX XXXX Washington, XXXX XXXX United States On XX/XX/2017 I had to call Ditech XXXX to found out what my pay off is, they told me a payoff of {$1800.00} they also told me that the company policy I could not make the payment like I normally do on the computer or online I would have to mail my check with the payoff letter that they were going to send me in the email to a different location office on XXXX XXXX in XXXX Illinois the letter that they sent me was generated on XX/XX/XXXX I got the letter in the mail I cut a check for {$1800.00} for the pay off amount which you would see in my evidence file Im forwarding to you come to found out on XXXX XXXX the second day they generated the payoff letter my payoff had increase because they decided to pay my property taxes for XXXX XXXX of XXXX XXXX when they got my {$1800.00} check they never cashed it, I got call from them In the middle of XXXX telling me that I was delinquent on my mortgage when I question why so they told me that the payoff had changed I ask them why did not you and please cash the check I wouldnt of been late on my XXXX payment plus I never instructed you to pay my taxes after me paying off the whole loan with you We have no more business to conduct together they kept telling me that they will have a manager contact me and XXXX this matter out never heard from anyone what there are trying to do to me now Is ruining my life and Report to the credit agenciesmy XXXX payment is late Please I need you help this is a company if you look them up they are currently under two different class action lawsuit because what they did to me they did it to many other consumers I have paid these people XXXX payments perfectly on time never missed one in at the last payment they trying to my life Please please help me I was not late on the last payment in the evidence you would see a copy of my check