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

EXPERIAN, XXXX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' XXXX XXXX XXXX XXXX  XXXX XXXX BANK, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My admitted inaccurate data from XXXX keeps changing due to Metro 2 data entries which removed the remark Account closed at consumers request. The attached Equifax data pulled XX/XX/2023 at XXXX states : Account Information Changed. Remark code removed from XXXX account. Between XX/XX/2023 and XX/XX/2023, the following remark was removed from this account : Account closed at consumers request. Accounts changed from closed to open constitutes a prohibited example of lack of internal CRA and Furnisher controls to prevent Facially False Dara from being reported as clearly written recently by CFPB Director XXXX XXXX. As Senator XXXX XXXX would say : Are you kidding!!! My Account must be permanently reported as both Closed at consumers request AND Disputed. Permanently DELETE my account from every CRA as incompetence in entering Metro 2 will never be assured to be accurate and in compliance with the FCRA and Metro 2 requirement standards.
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 XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I put my phone number into a system called forwarn It has a report of identity theft of my name associated with the phone number. I filed a fraud report with the FTC and want all the information that is not mine removed from the report. I filed XXXX identity theft reports with the ftc on both culprits, XXXX XXXX and XXXX XXXX. I also am uploading the signed affidavit and police report number. 

I sent letters to all XXXX company 's reporting the fraud and copyright notices also... this matter is affecting my livelihood and I pray for quick resolution from the agencies. It is XXXX that says they can not do this.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to TRANSUNION for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, unauthorized inquires are reporting on my credit report and they are not reporting accurately. I have filed an FTC report which I included here with report numbers XXXX, XXXX and XXXX for your reference and as proof
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to fix the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$9200.00} ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$25000.00}.
Product: Debt collection

In XXXX of 2015 my apartment flooded with raw sewage, management called a plumber whom cleaned the " main line ''. The main line is between mine & my neighbors front doors with no other access to either apt., when the plumber finished there was raw sewage all over the walkway. Management refused to clean/sanitize the walkway, also management did nothing more than shampoo the carpet in the apartment that was affected by the flood. During the time between this event and my moving because of the sewage not being cleaned/sanitized I had to go XXXX because of severe XXXX, the XXXX me as having XXXX. Since moving, the apartments, XXXX XXXX, located in XXXX Tx have contacted a collection agency named Pro Collect that has reported this to the credit reporting agencies in the amount of $ XXXX. I have approximately XXXX pictures that I took on a daily basis to document my claim, these pictures are automatically stamped with date and location. I also have the hospital records showing the date and the XXXX. Any help with this matter will be appreciated.
Product: Money transfer, virtual currency, or money service

Hi good afternoon My name is XXXX XXXX I'm XXXX XXXX XXXX and im a client of XXXX XXXX, After being a victim of Robinhood and have lost nearly XXXX from my XXXX  checking account usd I've contacted Robinhood however they were unwilling to provide a refund without providing any legitimate reason so I've requested them to close my account but they were unwilling, only until I've lost an additional XXXX usd, I then ask XXXX XXXX If they can investigate the matter but they were unwilling even just to take a look this has caused me a lot of stress and mental issues as well, im devastated by the despicable act of XXXX XXXX And I'd like you to please request from XXXX  to investigate the matter XXXX did not profom any due diligence while this transaction took place I've been decpted by XXXX and this is unacceptable behavior, Thank you so much for your service and have a nice day Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX has filed a non payment derogatory for a debt which is not mine. They claim to be representing the original creditor XXXX SPEEDYCASH.COM XXXX NM The date opened is listed as XX/XX/XXXX for a balance of {$1000.00} ; I have never contracted for any amount of money with XXXX SPEEDYCASH and certainly would not have during that time. The date reported to XXXX was XX/XX/XXXX. I had ignored all previous correspondence with XXXX XXXXXXXX assuming that it was a phishing scam of some sort and did not want to provide them with any additional personal information or acknowledge any claimed debt. I have recently received a similar claim of an unpaid debt from another party ( not related to this instance ) and believe there has been fraudulent use of my personal information resulting in damages to my credit and subsequent unwarranted increased expense in other financial matters. I would like to see copies of any contractual agreements signed by me. XXXX  XXXX filed the same derogatory claim of unpaid debt with XXXX which I promptly disputed. I was notified via email that the dispute had been resolved but was unable to access the outcome on the internet interface. After multiple failed attempts I called the support telephone number as recommended on their website and their customer service representative was also unable to access the dispute records. Worst service I have ever seen, can't understand why any financial institution would use their credit reporting services.
Product: Payday loan

I received a letter for a short term loan from a company called Castle Payday. Having been hit with unexpected expenses, I contacted them and received a loan in the amount of XXXX and was told that finance charges would total XXXX, though high, I accepted. 

The loan documents that I was able to view at that time did NOT show the " Truth in Lending Disclosure '' that is part of them now. that I would be making interest only payments totaling {$1500.00} plus the amount of the loan for a total payment amount of {$1800.00} for a {$350.00} loan. 

The practice is beyond deceptive and a quick check of this company online shows many victims in the same boat as I am. I am continuing to make payments as per the agreement ( which again I was told would have a finance charge of {$120.00} not {$15000.00} ) for fear of having my credit impacted. This is a deceptive loan practice and have learned by a quick search that I am far from the only person to have been scammed by these people. 

A quick search of the internet showed that even though they are a " Tribal '' lending ( and I use that term to be polite ) company, that the FTC has been granted authority to go after companies that engage in these practices. 

In any court, finding that a company is charging at finance charge of {$1500.00} for a {$350.00} loan totaling charges of {$1800.00} is, to the best of my knowledge, illegal.
Product: Mortgage

Wells Fargo Home Mortgage transferred my mortgage to Wells Fargo XXXX of 2015 the account is showing a XXXX balance but now I have a 2nd entry on my credit report that is reporting currently and up to date on my credit report as a modified conventional loan for 34 months which is exactly the same as the time the loan was transferred on 2015. I am not sure why one mortgage is reporting twice on my credit report I have never missed a payment and the other account has a numerous late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase from Nordstrom.com on XX/XX/XXXX and they sent the merchandise to my old address. The merchandise was delivered XX/XX/XXXX and was stolen before I could retrieve the items. I contacted Nordstrom multiple times and they refused to help me. It was even confirmed by a Nordstrom Customer Service Rep that the package was signed for by someone else. Now they are holding me accountable for the charges and I never got the merchandise I ordered. I also filed a police report regarding this incident.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling my account fraud particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving customers vulnerable to scams.
Product: Mortgage

I would like to find out more about the Wells Fargo class action lawsuit. I was supposed to receive money for my already closed account I had with them because I moved from that location and live somewhere new.
Product: Credit card or prepaid card

My cash back rewards stopped showing up on my account several months ago. I called the credit card company in mid XXXX and they said it would be fixed. At the end of XXXX, it was still not fixed. I contacted them again via chat and spent almost 45 minutes going back and forth with them. Several days later, the amount finally showed up in my account. However, I received an email stating that " no error occurred on your account '', a statement that is clearly untrue as it took multiple tries to get the issue fixed. Then, my wife received a similar email stating that they had tried to contact her about the problem- she has received no other emails or phone calls. Goldman Sachs is clearly trying to bury the fact that they had problems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian for Non-Compliance with FCRA 605B and Failure to Address Fraudulent Items in My Credit Report To Whom It May Concern, I am filing this complaint due to Experian 's willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 605B, in relation to fraudulent items on my credit report that I have disputed. Experian has failed to remove these items despite being provided with comprehensive documentation, which includes my identity theft report, proof of address, government-issued identification, and additional documentation linking me to a data breach incident.

Summary of Noncompliance and Violations : I first submitted a dispute to Experian, along with all required documentation, citing my rights under 605B of the FCRA, which clearly mandates that credit reporting agencies must block any information that resulted from identity theft within XXXX XXXX XXXX  upon receipt of such notification. Experian 's failure to act not only violates 605B but also disregards the legislative intent behind the FCRA, which is designed to protect consumers from the severe consequences of fraudulent reporting and identity theft. 

Experian 's failure to act appears to be in direct contravention of the court 's stance in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where it was established that credit reporting agencies bear significant responsibility in ensuring accuracy and must adequately address disputes involving identity theft. By refusing to block these fraudulent entries on my report, Experian is knowingly and willfully neglecting this duty. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court underscored the consumer 's right to a fair investigation by credit reporting agencies. In failing to fulfill their legal obligations, Experian has also demonstrated non-compliance with the CFPB 's XXXX bulletin on credit reporting agencies ' responsibilities in the handling of identity theft complaints. 

Attached you will find proof of my previous attempts to dispute the fraudulent accounts on my consumer report with Experian, proof that I was a victim of the XXXX XXXX XXXX, Proof of ID, SSN, Proof of address, and the FTC Affidavit listing the fraudulent Kikoff Account.
Product: Student loan

The school I attended filed chapter XXXX bankruptcy after defrauding me on earning potential and loan process
Product: Credit reporting or other personal consumer reports

Re : Transunion LLC I Demand for Deletion of Inaccurate Information in My Consumer Report To Whom It May Concern : I am writing to formally demand the deletion of inaccurate information being reported on my consumer file maintained by TransUnion. Specifically, I have identified erroneous information being reported by XXXX XXXX XXXX that violates several provisions of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting includes mismatched addresses, phone numbers, and incorrect employment information. Under 15 U.S. Code 1681s2, Responsibilities of furnishers of information to consumer reporting agencies, XXXX XXXX XXXX is prohibited from reporting any information to a consumer reporting agency if they have actual knowledge or reasonable cause to believe that the information is inaccurate. Additionally, under section ( a ) ( 1 ) ( B ), if the consumer has notified XXXX XXXX XXXX of inaccuracies, they must correct or delete the erroneous information. I have already informed XXXX XXXX XXXX of these discrepancies and have provided them with the necessary evidence to demonstrate the errors. However, they continue to report inaccurate information, in violation of their duties under the FCRA. Furthermore, TransUnion is obligated under 15 U.S. Code 1681e, Compliance Procedures, to maintain accurate and up-to-date information in consumer reports. By continuing to report this erroneous information from XXXX XXXX XXXX, you are in violation of this provision as well. The specific inaccuracies on my consumer file include : Incorrect address information Mismatched phone numbers Inaccurate employment details as reported by XXXX  XXXX XXXX, TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of consumer information. By failing to delete the inaccurate information provided by XXXX XXXX XXXX, TransUnion is in violation of its legal obligations under the FCRA.As you are aware, continued reporting of inaccurate information is damaging to my credit, and as such, I demand that you immediately investigate this matter and delete the incorrect information from my file. I also request that you provide written confirmation that these inaccuracies have been removed, as well as a copy of the corrected consumer report. Please treat this as a formal notice under the FCRA and immediately correct the errors. If you fail to resolve this issue, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies available under the law.I look forward to your prompt action on this matter.
Product: Vehicle loan or lease

Since the inception of my loan on XX/XX/XXXX, I have adhered to the agreed-upon payment schedule, ensuring that my payments are made on or before the XXXX of each month. Despite this, TD Auto Finance has consistently charged me late fees. I firmly believe this practice is a deliberate tactic to extract additional funds from me, exploiting my financial situation. 

These unwarranted late fees are creating a significant financial burden on me. I can not afford the extra {$29.00} accruing each month, which is severely impacting my ability to manage my finances. This predatory practice is not only unethical but also a violation of fair lending practices.

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that TD Auto Finance ceases this unfair practice immediately. Additionally, I seek a refund of all late fees that have been wrongfully charged to my account. 

Enclosed with this letter are copies of my payment records and the loan agreement for your reference. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue. 

My Account Overview : XXXX XXXXXXXX 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

I am not associated with the listed creditor, and this inquiry was not authorized by me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX  XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request Experian to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Experian has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for Experian to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 

I am asking for Experian to provide the following : 1. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which they spoke with them. 

By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. 

I listed the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
XXXX. XXXX Account XXXX : XXXX XXXX. I XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX LL Account Number : XXXX Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.