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

Since pulling a copy of my Consumer credit report 1 year ago, I noticed that this credit reporting agency was and still is in multiple violations and I am entitled to monetary compensation Under FCRA United States XXXX XXXX XXXX XXXX. XXXX ( XXXX ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the noticed under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

For the better part of a year, this agency stalled, neglected to respond, and failed to provide me with proof of in detailed actions ( signed contracts, itemized bills, etc. ) taken by this agency to verify the debt from the creditor, Resulting in an unbearable financial impact on me and my family and inability for me to qualify for a home loan. I have kept proof of every letter sent, the XXXX this agency did not respond, did not comply with proper deadlines and receipts of the financial burden this has caused me while disputing these inaccuracies. 

I myself have been able to spot inaccuracies, fraudulent reporting and even cycled ( cycling back and forth the debt under XXXX subsidiaries owned by the same company ) and doubled reporting by a certain collection agency on my credit report. 

I've also noticed the following XXXX. Lack of Validation : I have not been provided with sufficient validation or verification of this debt as required by the FCRA. I demand this be removed since you have failed to provide detailed information validating the debt, including the original contract or agreement with my signature, proof of the debt 's ownership, and documentation illustrating the chain of ownership. 
XXXX. XXXX XXXX : The reported charged-off amount and related dates do not accurately reflect the account 's history. There are discrepancies in the reported amounts and timelines, which contradict the actual details of the account. 
XXXX. Compliance with XXXX XXXX : The reported information does not comply with the FCRA 's reporting guidelines. There XXXX be violations in reporting this information, leading to inaccuracies on my credit report. 
XXXX. There is a fraud alert on my account since 2018 where proper documentation had been provided at the time to protect my identity.
Product: Mortgage

This company, Select Portfolio Servicing , Inc ( SPS ) is a mortgage loan servicer. 
The company calls our phone number, a cell phone as early as XXXX in the morning repeatedly. We have asked them to stop XXXX times. We have been patenbtly clear they are calling early. 
They claim since the phone they 're calling has a XXXX area code ( time-zone difference ) they do not have to stop. Even though all our account information including the mortgage property address is in California and always has been. On occasion they apologize and say they 'll resolve the issue. They do not/have not resolved it. Occasionally SPS is combative and claim no responsibility to solve the problem. 
We need to communicate on that phone but not before XXXX.
Product: Mortgage

Back in XX/XX/XXXX my ex spouse while I was XXXX defaulted on a mortgage of the home I won in a divorce. Unaware of the factor when I returned from XXXX, the bank ( Fay Servicing ) refuse to give me information without his consent. After several months going back and forth finally i was given access to the account. I went before a judge on XX/XX/XXXX with an attorney that pleaded for me to be given a chance to conduct a modification. The Modification process was started I was suppose to be given 30-45 days to complete and get a written answer. Fay Servicing only after 14 days denied my Modification given me no written response. Only a verbal denial from a XXXX XXXX who was assigned to my case. There was never a fair chance. now moving forward they have forced me and family to be evicted from the home. They refuse to allow me to buy the home back or even respond to any messages in trying to obtain a newly written loan with them to keep my home. 

New evidence is that the home had black mold infested in the walls. Which resulted in health matters for me and XXXX children. I have reached out to Fay Servicing they seem to never return phone calls and you can not even get through on the main line that I am using XXXX. I feel as a XXXX for my country, mother, and customer I was not given a fair chance or even compensated for all the legal fees and turmoil that has impaired my ability to keep shelter for me and my children. I even pleaded with the banks to allow me to purchase the house back offering money before it got to this point. I have paid over {$6000.00} to various entities including one bank to conduct a modification that was deemed the trustee under Fay Servicing. This injustice needs to be stop and investigated and corrected due to this business not conducting their foreclosures properly or given the consumers the ability to regain control after a financial hardship.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not providing free credit reports. I made attempts for a copy of my report as well as placing a credit freeze and received messages that those tasks could not be processed. I need to ensure the protection of my personal information, now. How can we do this.
Product: Debt collection

Some one opened a XXXX XXXX account in my name. This account was sold to Portfolio Recovery Associates. I XXXX not owe this debt. I contacted the company several times to rectify the matter, but have found them uncooperative. I've asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened up the fraudulent account in my name. They have not provided validation. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am a XXXX agent. I made several transactions for my customers. My customers returned to me to refund money because the service stopped working and their relatives could not receive money. I made refunds through the system but did not get reimbursement from the XXXX. I made multiple calls to Customer Service when it was still working, and I was told that I would receive a check from Sigue with a refund for those transactions. So far, I have not received anything back, therefore, I am requesting my money back. I have all the reference codes they provided when I refunded those transactions. In this case, XXXX did not pay back for those refunds. All transactions took place between XX/XX/2024, and XX/XX/2024. The last requested refund was on XX/XX/2024. The total amount of unrefunded money is {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the year XXXX my husband was XXXX of XXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as XXXX on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my XXXX XXXX. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. 
CBNA XXXX CARD XXXX  Can you please help me remove these charge off accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection call today from some about a credit card that I did not open or authorize. I viewed my online credit report via TransUnion. The TransUnion website says that allows online initiation of disputes, However the TransUnion website would not process my online dispute.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to Sun Toyota to see about trading my car in. I was informed that there was a vehicle shortage and all they had coming in was the XXXX XXXX. I was looking at a used XXXX XXXX also, but was informed that they would have to pull my credit more than the 4 times I agreed upon ( initial, XXXX XXXX, Southeast Toyota, and XXXX XXXXXXXX, I had a pre approval for them already ). I decided on the XXXX since I did not want my credit ran too many times as I explained I wanted to buy a house this year. Well so much for that because they ran my credit 22 times and the reason I was told is that they made a mistake in the initial paperwork and they had to fix it and reapply for credit. When I went in to sign on the XXXX, I was told that they had to remove the GAP, service warranty, etc because the bank would not finance the loan for that amount. I honestly didnt want the car anymore and told them since they had ran my credit so many times I might as well get what I really want. About a week or so ago I was on the Southeast Toyota site and came across the contract. I opened it and immediately noticed the date signed was the XXXX and the signature was not mine. I then pulled out my copy from the XXXX and noticed the amount is the same, but the numbers are changed in some spots. Now Im questioning the whole thing. I spoke to the general manager and he agrees the signature does not match, but stated the bottom line is still the same so he dont know what I want to do. He did offer to write letters to fix my credit, but that is only after I brought this grad issue to his attention. Initially I was given a card to call some credit repair agency to fix my credit myself. The initial loan on the XXXX was for the same price with warranty and when I went to sign on the XXXX they told me the only change was that I could not get the warranty. The sale rep had already told me the price of the car was going to be less. Being that they never gave me the first contract I did not have anything to reference the price to and took their word for it. 

I notified the finance company of this as well and they directed me back to the dealership. It was at they point I stopped making payments and contacted XXXX since they regulate the dealership. The last response I got was that they offered to buy the car back and theyd reach out. I never heard from the dealership after I spoke with XXXX XXXX.
Product: Mortgage

I am having mortgage account with Wells Fargo since XX/XX/XXXX. 
I have been doing recast ( paying towards the principal to bring down the monthly payment while keeping the term same ). 
Wells Fargo recast process is very much made to fit their own benefits not customer 's benefits. XXXX has to make the payment well before the XXXX of the month. Then notarized form ( why not a docusign in this age? ) and then finally for next to next month it is effective. In all customer sometimes is losing almost XXXX days of interest on the principal payment as Wells Fargo has made the process to suit them. 
For e.g. I made the payment of $ XXXX on XX/XX/XXXX but i will get the recast benefits only on XXXX XX/XX/XXXX NOT XXXX XXXX, XXXX even when the payment and the notarized letter is sent well in advance of XXXX Apr XXXX date. 
Customer is losing a lot of money in interest due to this workflow efficiency which i don't know is legitimate or deliberately put on them? 

Wells Fargo safeguard themselves from the lawsuits by asking customers to sign the notarized form.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that XXXX, XXXX, and Equifax are reporting inaccurate and incomplete credit information. I have submitted multiple attempts asking the consumer reporting agencies to reinvestigate the accounts and provide proof that the accounts are in fact, accurate & correct. I submitted requests on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Each time, the consumer reporting agencies responded back to me and the Consumer Financial Protection Bureau that the accounts were accurate. This was in fact a lie ; the consumer reporting agencies have lied multiple times to me and the Consumer Financial Protection Bureau & violated multiple FCRA laws. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( I.e. : an original Comsumer contract with my signature on it ) that you have on file for the accounts listed below. Or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me copy of verifiable proof, you must DELETE the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquires over 30 days old, Also, please add a promotional suppression to my consumer file. 

Under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX
Product: Mortgage

I've attempted to change banks for autopay. First in XXXX I added the new bank information and selected the new bank as primary. RoundPoint Mortgage pulled the money for the secondary in XXXX. In XXXX I deleted the old bank account information and Roundpoint pull the mortgage autopay from the bank whose informtion I deleted from my account profile. There is no information on how to change autopay so I thought I stop autopay and send a check from my new bank for a while so that I can close the bank account. There is no option to uncheck autopay in account profile. I've to call many times in the last three months and have tried evey option and there is no ability to talk to anyone. The XXXX calls were XXXX and XX/XX/ Everything is prerecorded. There is false advertising on customer service for assistance. There is no assistance. No FAQ on the topic. I've emailed the company 2 times with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA ( fair credit reporting act ) TransUnion is required to have a copy of the original creditors documentation to verify that the information they report is mine and correct. I have sent three letters requesting the items that appear on my credit report and that are listed below, be properly verified or deleted. They received the first letter XX/XX/2019, the second letter XX/XX/2019, and the third letter XX/XX/2019. In all their responses they have refused to provide a copy of the original creditors documentation with my signature as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), furthermore ; they failed to provide the method of verification as required under section 611 ( a ) ( 7 ) and merely listed the accounts in dispute as verified and kept these unverified accounts on my report. I have been unable to rent an apartment, apply for home loans or finance a car because of these unverified accounts negatively impacting my credit score. I have been severely hindered and blocked from making progress in my business and financial goals due to the impact of this report. I demand that XXXX delete all of the following unverified accounts immediately. 

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

Please remove these inquiry from my credit report. I stated to the company that it was not me and that I had no knowledge of these accounts. 
XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$320.00} Amount {$320.00} Status Date XX/XX/XXXX XXXX
Product: Debt collection

XXXX of 2020 my XXXX National Fitness closed due to Covid. I called to close my account and end my membership. They told me I had to come in and fill out a paper to cancel. After months of continuing to stop by to sign the piece of paper, they were always closed when I went. I later found out the location closed completely. After paying for months for a membership that I could not even go to, I yet called again and got the run around that my membership was moved to another location and they could not close my account. I would have to come into that new location to cancel. I did that and they still did not cancel my membership. They continue to try and charge me and will not stop.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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: Debt collection

TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications  and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw 2 debts reported for Capital One. The trade lines are demanding I pay {$1300.00} for a Capital One Credit Card and a Kohl Card issued by Capital One. At the time that both accounts went delinquent, I had been laid off from work. the layoff caused me undue hardship and I was unable to meet the monthly minimum. I have been able to save to take care of old debt, but I can not possibly repay this debt in full as I am a single mother with XXXX kids and only one income coming in monthly. I am writing to ask if you would be willing to accept {$600.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer.