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

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Current Employer : XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors XXXX be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act ( XXXX  ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section XXXX of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX  days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

TransUnion refused to remove multiple mortgage hard inquiries within 45 days from first inquiry.
Product: Debt collection

On XX/XX/XXXX I was contact by a woman via phone number XXXX stating that she was a legal representative for XXXX XXXX and that they were going to sue me for an bank account overdraft fees that I supposedly opened in XX/XX/XXXX. She wouldnt give me specifics other than the amount was {$1000.00} and that they was contacting me to get current address and phone number so they could file this suit. I stated to her I have never banked with XXXX XXXX and I had no knowledge of the debt. She said ok and then nothing. I thought I lost connection so I called back. I then got a gentleman stating that they could sue me. When I informed them that Ohios debt statue of limitations is 6 years and even if I did have this account they have no legal leg to stand on once again they hung up. They repeatedly call not only my personal cell phone but my family memebers trying to scare them into paying this so I dont go to jail. Im afraid they are going to get ahold of one of my elderly family memebers and they will pay it not knowing better. I wasnt given a name for the company and have been unable to find it on a reverse search on XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, authorized this dispute to address multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. These violations have significantly impacted my credit report, and I am demanding immediate action. The specific violations I am addressing include : Willful Noncompliance ( FCRA Section 616 ) : You accepted credit information about me without verifying its accuracy firsthand. This is a willful violation and can result in civil liability of up to {$1000.00} per violation. 

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : You failed to disclose my right to opt-out of sharing my personal information, which is a violation of my consumer rights. 

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : You reported inaccurate inquiries and accounts without proper validation, which is a violation of Generally Accepted Accounting Principles ( GAAP ) and misleading to potential creditors. 

Debt Collection Violations ( FDCPA ) : You reported inaccurate debts and accounts without my consent, causing distress and unnecessary contact from creditors, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Acquiring Location Information Violations ( FCRA and FDCPA ) : Debt collectors contacted third-party credit reporting agencies with my information, stating that I owed a debt. This is a violation of regulations that prohibit disclosing debt information to third parties without my consent. 

Late Payments Reporting Violations ( FCRA ) : You reported " late payments '' on my credit report without providing clear definitions of what constitutes a " late payment, '' which is both deceptive and inaccurate. 

Finance Charge Determination Violations ( FCRA ) : You failed to accurately determine finance charges, which is your responsibility as a credit reporting agency. 

Unauthorized Reporting ( FCRA Section 1681b ( a ) ( 2 ) ) : You reported information on my credit report without obtaining my written consent, violating the permissible purposes for consumer reports. 

I have also requested that specific entries be corrected or deleted, including the update of late payments to " paid as agreed, never late '' and the validation of debts under 15 U.S. Code 1692g ( Debt Collection Validation ). I have further demanded the deletion of unauthorized inquiries and inaccurate accounts from my credit report, citing 15 U.S. Code 1681a ( 2 ) ( i ) exclusions on transactions. 

If these issues are not addressed promptly, I will be forced to pursue legal remedies under the Fair Credit Reporting Act, which may include civil penalties for willful noncompliance, as specified in FCRA Section 616.
Product: Debt collection

I am writing to report multiple violatoins to the FCRA and to my rights as a consumer. Back in XX/XX/XXXX. I sent them a request for a debt validation which they ignored. 

I am demanding a deletion letter and the following item to be removed of my credit reports : WELLS FARGO BANK XXXX, opened XX/XX/XXXX, limit {$300.00}. Balance {$110.00}. 

If Wells fargo denies my request, I will take this to court, since they are commiting defamation of character and I am havin high levels of stress because of this issue. They have not even investigated or marked the account as disputed. It is my right to have this item removed, since they were unable to validate the debt reported under my name. 

Please send the attached documents to Wells Fargo. 

Thank you!
Product: Debt collection

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. Only your company is reporting this inaccuracy Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I fell behind on my mortgage payments. Try calling Wells Fargo before. About the programs they mail me stating what they can offer. Here is the following, Reistatement Repayment plan Forbearance plan Loan Modification Each program I was told I am not eligible, without explanation. See I try to work with them to prevent me from going into forclosure. However, Wells Fargo refuse to help me and is only giving me to XXXX XXXX to pay or they are going to foreclose on me. I am facing hardship and requesting help.
Product: Student loan

On XX/XX/108, My entire tax refund of {$2.00} was taken. I struggle to pay rent bills and buy food. I need some or all of my {$2.00} tax refund back. I have little if any room to make payments on these loans without not paying for food, rent or gas without my tax refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
Product: Debt collection

I really do n't know what my options are, if any. I had cable in my name and my mother was living with me. I moved out, and allowed my mother to keep the cable on at that address in my name. She then moved and transferred the cable to her new addeess. She ended up accumulating a large bill and was unable to pay it. The debt went to collections without my knowledge of the situation. XXXX XXXX never contacted me, the account holder, that the debt was going to collections, and neither did my mother. I realize I screwed up by allowing my mother to do this, but do I have any options here? My mother totally ruined my credit with credit cards she opened in my name when I was XXXX and I finally got my credit score to a good level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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: Checking or savings account

comerica bank XXXX XXXX direct express card services is adding fraud alerts to freeze customers accounts to gain money in bank intrest i am now one of those victims this is XXXX XXXX crimes ab=nd the abuse of XXXX people
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XX/XX/year> : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX FIN Account Number : XXXX Account Name : XXXX XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received an email from XXXX XXXX XXXX XXXX that my request for a " Loan '' was " Denied '' because of false information on my " Experian '' credit report. I then immediately called " Experian '' at XXXX, explained to them professionally what just happened to me and asked for my " Free Copy '' of my " Experian '' credit report. They responded rudely by saying " No '' and hung up on me.
Product: Checking or savings account

my bank of America savings account was charged with different transactions on these days : XX/XX/XXXX for XXXX. XX/XX/XXXX for XXXX. XX/XX/XXXX for XXXX. XX/XX/XXXX for XXXX. XX/XX/XXXX for XXXX. XX/XX/XXXX for XXXX for XXXX. XX/XX/XXXX for XXXX. XX/XX/XXXX for XXXX. XX/XX/XXXX for XXXX. XX/XX/XXXX for XXXX for a total amount of XXXX. I filed a complaint on XX/XX/XXXX. and they said that I authorized the purchases because It was made by a minor who took a picture of my debit card and use it to buy online games. I ask the minor if the company that he bought the games from ask him for a pin number and he said that he only need it the information on the card and nothing else. I don't think that I authorized the purchases just because he had access and time to take a picture of my card. and they should have ask him for the pin number since is a debit card not a credit card
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. 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 be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$79.00} XXXX XXXX XXXXXXXX Balance Owed : {$26.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like XXXX to remove this account off my credit report. This is an old XXXX account that was open in or around XXXX 2018 and service ended around XX/XX/2018 and last bill was XX/XX/2018. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing I have a balance that is late.
Product: Mortgage

I was switched to Mr Cooper in XXXX without my say. 
They sent me the wrong address to send payment. We got XXXX payment correct and the lost my XXXX payment. XXXX my bank sent a check for XXXX on XXXX XXXX Cooper received it on XX/XX/XXXX. I go a notice on the 14 that payment was pass due. I called Cooper and they called XXXX with me on the line. Sent me and Cooper a copy of the check showing they received it, cashed it and deposited it. Today I got my XXXX bill and the XXXX amount is still on there. I called and talk with customer service and got no where. I asked for supervisor and he said I needed to prove I made payment. Told him I have. He said e mail copy of check to an e mail I asked him to e mail the address. He said no they would not do that. I want it in writing because I know they will never remember whats said on phone. I told them to fix it or I will sue them. He said to do as a I wanted and could not help me. I told him I would see him in court and hung up. I want credit from them for the XXXX payment they missed placed and I want an apology in writing. And I would like compensation for my time to research this and show them its their problem. Is there a way I can go back to my other company. I hate Mr Copper because they are very unorganized. I showed them they have four different address to send a payment. Two payments and two issues? This is not going to be a company I want to do business with
Product: Credit reporting or other personal consumer reports

The lack of evidence to support this account 's reliability and the spread of unverified information clearly violate the requirements of 15 USC 1681i ( 7 ). This non-compliance is both concerning and frustrating, given the importance of following legal obligations. 

I urge the immediate removal of this account under the specified regulations unless verifiable evidence is provided to confirm its authenticity. Delaying action only adds to the frustration caused by the failure to adhere to regulatory standards and ensure fairness and accuracy.
Product: Debt collection

Nationstar is reporting and collecting to collect wrong amounts on Loan XXXX that was loan XXXX transferred from XXXX XXXX XXXX for servicing. 

The loan amount that was due at transfer was XXXX. 

Nationstar needs to delete the credit line from my credit report because there should be no collection activity on a loan that was closed on XX/XX/XXXX be the predecessor, XXXX XXXX XXXX, and reflects a zero balance. 

I 've attached the most recent update from XXXX XXXX XXXX referencing loan number on XXXX XXXX, 2016. The XXXX updates the aforementioned loan 's status. 

Nationstar need to correct the XXXX, XXXX, and XXXX report to reflect the same data as their predecessor, XXXX XXXX XXXX. 

There has been no activity on the account since the transfer to Nationstar ( ie no payments or payment agreements ). 

I am communicating via the CFPB because Nationstar 's collection Law firm ( XXXX XXXX XXXX ) will not return my calls. Therefore, communicating via the CFPB seems to be the most effective.
Product: Credit reporting or other personal consumer reports

I am writing to assert my rights under the XXXX XXXX XXXX XXXX ( XXXX ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the XXXX allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXX XXXX service. 

I request the removal of the following types of negative information from my credit report : Collections : Any accounts placed in collections during my period of XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove the following Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX AV XXXX XXXX XXXX FL XXXX I understand that I am responsible for fulfilling my financial obligations. However, my XXXX XXXX service has significantly impacted my ability to manage my finances, and I believe it is unfair to have my credit report negatively impacted due to circumstances beyond my control.
Product: Credit reporting or other personal consumer reports

Insane amount of FALSE DEROGATORY DEFAMATION XXXX still there after more than a year! 


The XXXX  at INNOVIS are XXXX! They are DELIBERATELY VIOLATING THE LAW! AGAIN AND AGAIN AND AGAIN! INTENTIONALLY VIOLATING THE LAW! SHOCKING! 


They know- yes- THEY KNOW- that the Laws say they they are supposed to remove false derogatory items within XXXX  month of that being reported- they know about those Laws- the XXXX  at INNOVIS have been deciding to deliberately violate those Laws! Outrageous! Terrible! Horrible! ABUSIVE! 

Sickening Shocking!
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX {$1300.00} I have been in contact with this agency several times, first class mail, certified mail, return receipts and still no response. I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MARINER FINANCE has never proved this debt belong to me legally.