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

This compliant will serve as notice to Equifax that a lawsuit will be filed against you. On XXXX, XXXX, 2020. I requested Equifax to please research and investigate a problem on my credit report involving an account : XXXX XXXX # XXXX This account above is listed on my credit report as fraudulent and does not belong to me! Equifax sent me a letter 30 days later that arrived to me on XX/XX/2020 saying that " Equifax has verified - XXXX/XXXX  XXXX # XXXX - account belongs to me. '' I send out another letter on XX/XX/2020 to Equifax for the method that Equifax used to determine its findings. As per the FCRA, I requested for Equifax to send me this information within 15 days based on the information it used from the previous 30 day investigation. 

Equifax still has 15 days to send me these finds per the FCRA from the date received. Per the XXXX Tracking ID : XXXX from Certified mail with return receipt, this letter was **DELIVERED & SIGNED, XX/XX/2020 XXXX pm, XXXX , GA, XXXX. 

Equifax has until XX/XX/2020 to send this request per the FCRA. 

Today, XX/XX/2020 I received a letter from Equifax stating that they could not match my information per Category 1 ) IDENTIFICATION, and I needed to send my social security card in with ID. 

On XX/XX/XXXX, and XX/XX/XXXX, a drivers license along with my social security card was submitted with my requests. 

Equifax is showing that they WILL NOT investigate my request per the law as this information was already sent. THIS IS A VIOLATION. 

All correspondence from Equifax has been recorded, and will be used in my lawsuit against Equifax for violating my rights under the FCRA. 

Equifax this is my FINAL request for you to DELETE this fraudulent account that does not belong to me by XX/XX/2020 or send me the information that Equifax used to verify this fraudulent account by XX/XX/2020 or a lawsuit will be filed against you! 

Attached files will show all letters send by me that INCLUDES my drivers license and SSN.
Product: Credit reporting or other personal consumer reports

I didnt not request my credit to be run with this company.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX and XXXX will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized inquires 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the following accounts to be attended to on my credit reports, I have previously tried to contact each of the following companies to legally validate and verify the accounts they are reporting I have with them, but they have failed to provide me any proof of any contracts with my signature, and have failed to respond to my disputes Experian, XXXX and XXXX have failed to remove the accounts even after the dispute ended with no verification, or proof of investigation By Law a Collection company has to be licensed in the state that they are attempting to collect the debt in, I have listed the following companies that I have searched in Consumer Access .Next to each company I have listed the search result. I have also attached proof of the search pdf. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/XXXX  XXXX compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXXXXXX Collection {$430.00} XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$430.00} XXXX XXXX XXXX | XX/XX/2022
Product: Debt collection

THE COMPANY PORTFOLIO RECOVERY LLC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1629 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU OF COMSUMER FINANCIAL PROTECTION. XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THERE IS ONLY XXXX BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE HOLDING OR DEALING IN GOLD AFFECT THE PUBLIC INTEREST, AND ARE THEREFORE SUBJECT TO PROPER REGUALTIONS AND RESTRICTIONS ; AND WHEREAS THE EXISTING EMERGENCY HAS DISCLOSED THAT PROVISIONS OF OBLIGATIONS WHICH POPURT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN GOLD OR A PARTICULAR KIND OF GOLD CURRENCY ARE INCONSISTENT WITH THE DECLARED POLICY OF CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING " PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY, OR IN AN AMOUNT IN MONEY POLICY ; AND ... EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) THE TERM " INVESTIGATIVE CONSUMER REPORT '' MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMER 'S CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWSWITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM I AM ACQUAINTED OR MAY HAVE KNOWLEDGE CONCERNING SUCH ITEMS OF INFORMATION
Product: Debt collection

This company has tried to collect an unverified debt I have tried to solve this matter with the company several times and was actually advised by one of their former employees that they try to collect extra payments from past tenants after they lawfully finish their lease. They have sent over copies of another customers lease agreement and contact information. I am a XXXX veteran who has been unfairly taken advantage of and i need help this company deserves to be fined for trying to take advantage and overcharge consumer with fake charges.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information for my life. The items I need deleted are listed in this report. I am identity victim of identity theft and did not make the charge. I ask that the items to correct my credit report XXXX reported the theft of my identity to the Federal Trade Commission XXXX and I also have enclosed copies of the Federal Trade Commissions identity Theft Affidavit. Please please delered all the incorrect information.
Product: Credit card

I had my credit card in my wallet. I logged into my Barclays app and see pending charges from.XXXX  XXXX  on XXXX XXXX and XXXX XXXX XXXX  XXXX  a hookah store I am XXXX and never smoke for XXXX XX/XX/year> XXXX XXXX XX/XX/year> {$200.00} XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX Barclays remove the charges and land an investigation. Today all money was charged to my card and I contacted the company. Barclays informed me they did an investigation and the charges found valid because a cars was used. I am very shocked because I never been to any of theses locations and never made the purchases.
Product: Mortgage

In may original loan, the payment I make a month includes the HOA fee ( I have attached a copy of this ). BSI is aware that they must pay taxes, the insurance plus the HOA fee ( I have enclosed a copy of the letter they sent to me acknowledging this ). However, I get a threatening letter from an attorney 's office representing the HOA stating that they will pursue a judgment against me for non-payment. I have been calling BSI since XX/XX/XXXX about this. Everyone I talk always claim they know nothing about this and would forward my grievance to a " supervisor, '' who does not have a name and can not ever be reach or return phone calls. BSI claimed they sent out a payment on XX/XX/XXXX, which the HOA say they never got. BSI sent ( if they sent anything at all ) to some random POBox instead of the one assigned to the HOA. They wanted me to send them the correct information in which I did ( Please see a copy of the email I sent to them ). BSI claim they never got it even though I sent it to them to the email ( XXXX ) they wanted. No one at BSI is working at any urgency to send the HOA fees to the correct place or seem to be concerned that I may get a judgment against me for money that is debited ( ACH ) out of my account each month like clockwork on the XXXX of each month. BSI 's game is that every time I call, to deny that they know anything about it, have me continuously explain the situation for eternity as NO ONE will do anything about it. BSI would much rather keep giving me the run-around and wait for the next " customer rep '' to also make the false promises that they will " expedite '' the matter to their superiors, who do nothing. If they are not paying my HOA as it part of the escrow, then what are they doing with my money? I don't understand how I can call almost everyday since XX/XX/XXXX, and nothing gets accomplished. I believe BSI is participating in fraud or just plain crooks as they taking my money and doing other things with it.rather than what they are supposed to do with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I DISPUTE THIS SITUATION MORE THE 5 TIMES THEY RESPOND ARE YOUR ACCOUNT IS BEEN VERIFIED AND UPDATE BUT WHEN I CHECKED EVERYTHING REMAIN THE SAME.
Product: Debt collection

Daily 'robo-calls ' are left on my voice mail. The message states I should call XXXX. When I call this number it takes me into their voicemail system and asks me to leave my name, address and phone number in order that I may be called. 

The voice mail identifies the debt collector as Century Credit. 

As I do n't have any past due debts this strikes me as fraud or harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022
Product: Checking or savings account

Greetings, My company had signed up for a card processing service with Paysafe.com. We started services around the XXXX of XXXX. I have written assurance from their sales agent ( XXXX XXXX that there are account fees only if the minimum transaction is not achieved in a month. 

The company deducted XXXX XXXX from our XXXX account on the XXXX of XXXX without considering the date of signing up. Moreover, their partner company XXXX XXXX XXXX  asked me to roll back when I processed cards. 

So XXXX XXXX I was charged XXXXXXXX XXXX for opening and closing the account in 3 weeks and I lost a XXXX XXXX business coz the card wasn't processed. After multiple reachouts, the business said they can't do anything about this and the contract says they can charge me. I reached out to the sales and customer support and they said we can't help. 

I was cheated by this company and its partners ( XXXX XXXX and Paysafe ). As a matter of principle, I request you to get my issue resolved and mark this company in the public domain as a manipulator. Thank you! 

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

Dear Sir or Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) assist in removing hard inquiries from my credit report under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and related regulations. I have recently reviewed my credit report and identified several hard inquiries that I believe were made in violation of my rights, and I seek your intervention in addressing these issues. I would like the following items removed : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA ( Section 604 ) , a credit inquiry is considered " hard '' when it is made as a result of a credit application, loan request, or any other action that may impact my credit score. Under the FCRA, these inquiries should only be recorded if I have authorized them. Unfortunately, I believe some of the inquiries on my credit report were made without my explicit permission or were based on incomplete or inaccurate information.

In particular, I would like to highlight the following reasons for my request : Lack of Authorization : There are hard inquiries on my credit report that I do not recall authorizing. If these inquiries were made without my consent, they violate my rights under the FCRA.

Inaccurate Reporting : Some of the inquiries on my credit report may be inaccurate, as I did not apply for credit with the entities listed, or the inquiries may have been made in error. As per CFPB regulations, credit reporting agencies are required to ensure the accuracy of information contained within credit reports ( 15 U.S.C. 1681e ( b ) ).

Time Frame for Removal : Hard inquiries must be removed from a credit report after two years, but the inquiry may no longer be relevant to my credit score after the first year. I request that any outdated inquiries be removed as per CFPB regulations for data accuracy and fairness.

Under the Fair Credit Reporting Act, I understand that I have the right to dispute any inaccuracies on my credit report directly with the credit bureaus. However, due to the circumstances surrounding these inquiries and the fact that they are affecting my creditworthiness, I request that you investigate this matter thoroughly and remove any unauthorized or incorrect hard inquiries from my report in accordance with federal law.

Please let me know if additional documentation or information is needed to support my request. I would greatly appreciate your prompt attention to this matter and look forward to your response. Thank you for your time and consideration.
Product: Vehicle loan or lease

I have a 2015 auto loan from Wells Fargo. The loan was from Wells Fargo Dealer Services, but two years ago Wells Fargo did away with " dealer services '' and now I deal with Wells Fargo. TWO YEARS AGO they remade their website, and I have been unable to log in to my account. I can't make payments, see problems, or get any info about my car loan-I have to CALL their 800 number and it takes forever. I have filed several complaints, been on hold for HOURS at a time with their " support '' teams - all to no effect. Finally in XXXX of this year I was told that Wells Fargo accidently created two files on me, one with erroneous information, and that is the reason I can not have access to my account. They offered no fix. Just another " complaint with the president 's office '' that never gets resolved. My car has one year left on on this loan and I still can't have access to my account online. I can not go into a Wells Fargo branch and get service on my loan because I was told that I was a Dealer Services customer and the branches do not do any servicing on those loans. I am stuck out here in limbo, and have been charged fees because there was a problem with a payment, but I was unaware - and those late fees carried over for months until just recently they told me on the phone what was going on. I am so sick of these people, they are so inept, so incompetent! Their mistake affects my credit score, because I'm being reported as late on my loan when I wasn't aware that I was - and when I do make payments regularly I don't get credited for those because they report my information inaccurately. The first two years of my loan, they had my social security number wrong, and it took hours and hours on the phone to get them to correct it. I will never do business with Wells Fargo again, and their incompetence leads to negative reporting on my credit history. I would like them to make the corrections and be held accountable for their constant errors and inability to correct them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMSTHAT I WANTED TO REMOVED! XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX : {$850.00} ; XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX : {$360.00} ; XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX XXXX {$210.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX-XXXX  XX/XX/XXXX.
Product: Mortgage

Nationstar Mortgage has failed to respond to our requests and clarification of the following : 1. They are not crediting or applying the correct payment amount we made towards the principal since XXXX 2016. 
2. They created an escrow account to pay the property taxes and the home insurance without our knowledge and/or consent. 
3. They made payments for the property tax for a bill we had already paid on time, they also paid the home insurance that was not due until the end of XXXX, 2016 4. The Tax Collector office rejected the duplicate payment from Nationstar and sent the money back to them ; however, Nationstar still has an escrow balance on our account even though the Tax Collector returned the money to them We have several requests in writing as well as by phone to correct the principal balance, which is off by about {$5400.00} to no avail. We get transferred from one person to another and they promise to send an explanation letter but they never do. 
We requested to close the escrow account since we are taking care of the property tax and home insurance ; they still have the account and the balance due for something we do not owe. PLEASE HELP. 
Nationstar has refused to modified our loan twice, the current rate on our loan is 5 % which is about 1.5 % above the current rate
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 : DEPT OF EDUCATION/XXXX  # XXXX - BALANCE {$2300.00} DATE OPENED XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - BALANCE {$3800.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX