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

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Account number : XXXX XXXX XXXX XXXX XXXX Your NAME : XXXX XXXX Your address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Equaifax I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I called and confirmed with Nissan Infinity regarding the status of an auto loan I had with them. The representative confirmed that the account is paid in full as agreed and no charge-off status should reflect anymore on my credit reports. However, as of XX/XX/XXXX, the status of the Closed Nissan account ( opened on XX/XX/XXXX ) on XXXX shows as charge-off under payment. This is wrong, because it says that dispute is resolved. Either XXXX is not up-to-date or the creditor failed to report the right status of payment.
Product: Credit reporting or other personal consumer reports

This letter is to alert transunion. You are reporting fraudulent accounts. As law it is required that my consumer report is 100 % accurate. I am not liable for this accounts ; XXXX XXXX ( XXXX ). This account was a result of identity theft and should be removed immediately. In addition XXXX ( XXXX ) opened XX/XX/year>. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4 -LATE PAYMENTS 15 USC CODE 1681a- definitions ; rules of construction | US CODE | US LAW | Lii / legal formation institute 15 U.S Code ; 1681 S-2 - responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

XXXXansUnion, Equifax and Experian has failed to fulfill is legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, Equifax and Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion, Equifax and Experian has neither corrected nor removed disputed accounts, as their inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Facing foreclosure on XX/XX/XXXX. For over a month I have tried to obtain proper payoff & reinstatement quotes from Wells Fargo. Wells Fargo continues to delay, obstruct, and not answer pertinent questions to make the either the payoff or reinstatement.

As of today, XX/XX/XXXX I have no valid payoff / reinstatement quotes for a XX/XX/XXXX foreclosure date.

This is common as I received the attached XX/XX/XXXX payoff / reinstatement quotes via email on XX/XX/XXXX at XXXX with a good thru date of XX/XX/XXXX XXXX.

I specifically asked Wells Fargo the below question on CFPB complaint # XXXX, and Wells Fargo specifically refused to answer in their XX/XX/XXXX response ( attached ).

Biggest issue is I have is the 1 mortgage with Wells Fargo, but 2 loan balances.

Mortgage - Wells Fargo Loan # XXXX 1st Loan Balance per XX/XX/XXXX Payoff = {$760000.00} 2nd Loan Balance per XX/XX/XXXX Reinstatement Quote ( attached ) and XX/XX/XXXX Wells Fargo Letter detailing the remaining loan balance after reinstatement payment ( attached ) = {$840000.00} Why is there a {$84000.00} difference in the total amounts due?

I have one mortgage, not two, and I should have one overall loan balance on one mortgage, not two drastically different loan balances on one mortgage.

I again ask, please detail why the difference and if in error, remove the {$84000.00}
Product: Mortgage

We are continually harassed by Green Tree Servicing whom took over our loan a few years ago from XXXX. They indicate we are delinquent in our funds monthly and state that they are a " collection agency ''. Recently, I received a 30 day delinquent notice, although our $ USD counterpart ( XXXX XXXX XXXX XXXX ) sends us confirmation of funds withdrawn between the XXXX and XXXX of every month. 
The problem is XXXX fold ... I am an XXXX living in XXXX and have to rely on mail / postage as Green Tree does not offer electronic transfers / payments ... who does n't offer this service in the XXXX XXXX!!!?? ... Green Tree does not. Secondly, when our bank sends the mail ( confirmed ), it has been explained to me on several occasions by the many transient 'account managers ' we 've had over the last few years, that the mail sits in their accounts receivable department until process. 
As a point of consistency, we start receiving calls from Green Tree call agents around the XXXX of every month and continues until our payment is miraculously processed ; somewhere between the XXXX and XXXX of the month. As such, our account shows delinquency nearly every month. 
To cap it all off, due to their fallible processes and poor customer engagement, we receive at least 1 to 2 phone calls per day from Green Tree, which we 've since stopped answering and are contemplating legal action at this point. The call agents phone, without regard, any time of the day. We 've even received several phone calls at XXXX on a Saturday morning over the last few years!! This HAS TO STOP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) SSN : XXXX DOB : XXXX Phone Number : XXXX XXXX XXXX Experian Subject : Formal Dispute of Erroneous Account Reporting Dear Experian, I am writing to formally dispute the reporting of an account on my credit file with XXXX  . The account details are as follows : # # # Account Details- Account Name : XXXX XXXX - Account Number : XXXX - Account Type : Sales Contract - Responsibility : Individual - Date Opened : XX/XX/XXXX - Status : Account charged off. {$84.00} written off. 
- Status Updated : XXXX XXXX - Balance : {$0.00} - Balance Updated : XX/XX/XXXX - Terms : 6 Months # # # Disputed Errors The information reported regarding this account is inconsistent and lacks crucial details, which I believe violates the Fair Credit Reporting Act ( FCRA ) : 1. Contradictory Information : - The account reflects a status of " charged off '' with an amount of {$84.00} written off, yet it also shows a balance of {$0.00}. This contradiction raises questions about the accuracy of the reporting.

2. Missing Information : - The account does not provide any information regarding the original balance, highest balance, recent payment, or monthly payment. This lack of information is concerning and does not comply with the requirement for credit reporting agencies to maintain accurate and complete records.

3. Illegally Reported Written Off Amount : - It is unclear how the account can be reported as charged off for {$84.00} while simultaneously indicating an original balance of {$0.00}. This discrepancy suggests that the data has not been adequately verified, and it raises significant concerns about the validity of the account.

# # # Requested Resolution To resolve this matter, I request the following actions : 1. A full investigation into the reporting of this account to ensure its accuracy.

2. Correction or deletion of the account from my credit file if it can not be verified as accurate and compliant with FCRA standards.

3. Written confirmation of the actions taken regarding this dispute.

# # # Supporting Evidence I am prepared to provide any relevant documentation that may assist in this investigation. Please feel free to contact me at the phone number or email address listed above if additional information is needed.

# # # Closing Remarks I expect prompt action to investigate and resolve this matter as required under the FCRA. If this issue is not resolved in a timely manner, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

Thank you for your attention to this matter. I look forward to your response within the 30-day timeframe outlined in the FCRA. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Deletion of Collections from Credit Report Pursuant to 15 USC 1681b ( 2 ) and 15 USC 1692 Dear Sir/Madam, I am writing to you regarding the presence of collections accounts on my credit report. Upon reviewing my credit report, I noticed the following collections account : - Account Number : XXXX - Date Reported : XX/XX/year> - Balance Amount : {$740.00} - Client Name : XXXX XXXX XXXX XXXX I am formally requesting the deletion of this collections account from my credit report pursuant to the provisions of 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ). This section mandates that consumer reporting agencies may only furnish consumer reports under permissible purposes, which include transactions initiated by the consumer, review or collection of an account, and legitimate business needs. Additionally, 15 USC 1681b ( 2 ) stipulates that information may only be disclosed with the consumer 's written consent.

I assert that the reporting of this collections account on my credit report does not serve a permissible purpose as defined by 15 USC 1681b ( 2 ), and I have not provided written consent for such disclosure. There is no current or ongoing legitimate business need for the inclusion of this information, nor does it pertain to any transaction initiated by me or involve the review or collection of an account.

Furthermore, I would like to highlight certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692, which regulates the actions of debt collectors. Under this law, debt collectors are prohibited from using unfair or deceptive practices when attempting to collect debts. Reporting inaccurate or outdated information to credit bureaus without proper validation and documentation may constitute a violation of this law.

I kindly request that you conduct a thorough investigation into this matter and delete the collections account from my credit report promptly. I have enclosed copies of relevant documentation supporting my request, including any pertinent information regarding the permissible purpose for the inclusion of this information on my credit report and any violations of the FDCPA.

Please provide written confirmation once the collections account has been removed from my credit report, as required by law. 
Thank you for your attention to this matter. I anticipate a prompt resolution to this dispute. 
Sincerely, XXXX XXXX XXXX SS : XXXX
Product: Credit reporting or other personal consumer reports

FRAUDULENT UNIDENTIFIED COLLECTION ACCOUNTS ARE ON MY EXPERIAN ACCOUNTS. 

THESE 3 COLLECTION ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED AND REMOVED. 

XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as victim determination letter according to 1022.143 ( b ) ( 6 ).
Product: Checking or savings account

XX/XX/2021 BMO Harris Bank has CD policy that auto-renews the term without providing notice to the customer. The funds are then locked in for another year automatically.

When asked about this they say there is a 10day grace period from the day the CD matures to withdraw your funds without a penalty.

This is essentially restricting access to your funds - without your consent.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXXXXXX - {$2000.00} Employers XXXX XXXXXXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card or prepaid card

I have a combined statement for a period for my Mothers account ( XXXX ) between XX/XX/XXXX and XX/XX/XXXX. There is a checking and savings account listed but no credit card. I also have a combined statement for XX/XX/XXXX to XX/XX/XXXX. It lists a checking account, savings and a credit card ending in XXXX. I did not notice this until I went through the few hardcopy statements I have a few days ago. 
Since around XX/XX/XXXX and I was listed as POA, all statements or any mail from Wells Fargo was addressed to me or my Mother at my Tennessee address. There were never any credit cards sent for XXXX. At this point of time my Mother was having a lot of problems and we had to hire a neighbor so stay with her at times to make sure she ate something in the mornings or evenings and sometimes just to stay with her. My Mother was hospitalized XX/XX/XXXX at XXXX XXXX XXXX in XXXX. She would not have been able to request the card at the time in her condition. 
I understand that there were many accounts set up by Wells Fargo without the owners consent. This appears to be one of them. My concern is why was I not notified. It's to late to be a part of the class action.so what do I do. Is Wells Fargo off the hook for this or can the ignore it. How many other accounts were missed. I am expecting an answer from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One accessed my credit report on XX/XX/XXXX and XX/XX/XXXX. I do not recognize and did not authorize this access to my credit reports. 

My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXXXXXX XXXX  XXXX : account states closed : Loan account # XXXX  opened XX/XX/XXXX XXXX XXXX : account states closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX  : account closed : opened XX/XX/XXXX 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/2008 Balance : {$0.00} Late/Closed
Product: Money transfer, virtual currency, or money service

When I woke up this morning on my payday, I went into my account to pay some bills. I owed Money Lion XXXX which was expected to come out. However, I noticed that after opening my account there was an additional transaction for XXXX. The next thing that I knew, there was another transaction coming out for XXXX. I immediately contacted Money Lion and they kept placing me on hold telling me that their department would take care of it and could they call me back. They never called me back and they had approved a loan in a different state, XXXX, that I had never even applied for. I called back again and she stated that if this were resolved after investigation that it would take 5-7 business days before I got my money back. This is going to make me late paying my bills and cause me to get behind. I recommend that no one use these banking apps for instacash loans because they are not secure.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following errors and violations : Equifax is reporting XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX or XXXX. XXXX XXXX, XXXX XXXX, MO XXXX. This is in violation of 20 Federally Protected Consumer Rights Violations Under 15 USC 1692 and Violation of HIPPA. In pursuant to 15 USC 1681a ( 3 ) violated the restriction on sharing of medical information. I pursuant to 6802a XXXX XXXX may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. In pursuant to 15 USC 1692e ( 3 ) False or misleading representation. Also, this is a violation of my HIPPA rights. I am allowed under the HIPPA Law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records form third ( 3 ) parties. I do not recall giving permission to release medical information on your consumer reporting agency website. Please provide a copy of my signature with the XXXX to release my medical information to consumer reporting agencies. Immediately remove and cease any medical information from the consumer reporting agencies website. This account is paid in full. This corresponding was sent via certified mail. See the attached copy of my credit report, the violations has be highlighted in the 20 Exhibits. By the provisions of the Fair Credit Reporting Act, I demand that my medical information be investigated and removed from my report.
Product: Debt collection

I have been fighting with Cornerstone Credit Services for years trying to get closed and paid entries off my credit, they refuse to remove as it was already paid
Product: Credit reporting or other personal consumer reports

Apparently XXXX XXXX  is getting my social to tried to open accounts with them, i do not have any current relationship with them.
Product: Debt collection

I paid this debt almost a year ago and it is showing up on my credit report still.