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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Description of Verification Procedure under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear XXXX XXXX XXXX XXXX XXXX Department, I am writing regarding my recent dispute concerning inaccuracies on my credit report. As per your response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you stated that the item in question has been verified as accurate. However, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to verify the accuracy and completeness of the disputed information. 

The details of the dispute are as follows : CFPB Complaint ID : XXXX Complaint Open Date : XX/XX/XXXX Complaint Closed Date : XX/XX/XXXX Item/Account Disputed : XXXX XXXX XXXX I hereby formally request a detailed explanation of the procedures TransUnion employed to verify the accuracy and completeness of the disputed item. Specifically, I request : XXXX. A detailed description of all steps taken during the verification process. 
XXXX. Documentation of all individuals and entities contacted, including names, roles, and contact information. 
XXXX. Copies of any correspondence, including emails, mailings, or call logs, used in the verification process. 
XXXX. A summary of the evidence or data that was used to verify the accuracy of the disputed item. 

As required under the FCRA, and in light of the recent lawsuit by the CFPB regarding XXXX conducting Sham investigations, and XXXX being fined by the CFPB for failing to conduct adequate investigations of disputed information in credit reports, I expect this information to be provided promptly. If you fail to comply, I will take further action, which includes seeking additional assistance from the CFPB or other appropriate authorities. 

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

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

To whom it may concern a XXXX XXXX XXXX XXXX XXXX was obtained under my name and social security number Account Number : XXXX XXXX Number : XXXX. Under the Fair Credit Reporting Act law 15 U.S.C. 1681 et seq credit bureaus must report accuracy on behalf of the consumer unfortunately across all bureaus inaccurate information is reporting to my consumer credit report. 

On my XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting Last payment made was on XX/XX/XXXX how so when on XX/XX/XXXX the vehicle is reporting repossessed. On my XXXX report its stating XX/XX/XXXX Unknown payment history XX/XX/XXXX charge off XX/XX/XXXX not reporting payment history XX/XX/XXXX charge off and XX/XX/XXXX charge off. On my XXXX report XXXX XXXX XXXX XXXX XXXXXXXX XXXX is reporting Last payment made was on XX/XX/XXXX how so when on XX/XX/XXXX the vehicle is reporting repossessed. 

On My XXXX report its stating XX/XX/XXXX no data available XX/XX/XXXX no data available XX/XX/XXXX charge off XX/XX/XXXX charge off. 
Under the Fair Credit Reporting Act law 15 U.S.C. 1681 et seq credit bureaus must report accuracy. 
The Gramm-Leach-Bliley Act Safeguards Rule requires financial institutions to establish stronginformation security programs to protect customer data. This helps prevent unauthorized access or misuse of personal financial information, reducing the risk of identity theft and fraud. This does not comply with my consumer rights and which is against The Gramm-Leach-Bliley Act Pub. L. No. 106-102, 113 Stat. 1338, codified in relevant part primarily at 15 U.S.C. 6801-6809, 6821-6827 and The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., XXXX, XXXX and XXXX XXXX XXXX XXXX are in Violation and I would like this account removed immediately. Give me all correspondence in writing of the method in which you validated that this account is reporting accurately and indeed is my account. Names of who you talked to, phone numbers, emails & there addresses, you have 15days to respond with this information or delete it. If the account is not deleted I will pursue with legal action against XXXX and XXXX. 

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

In accordance with The Fair credit act XXXX account number 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, has violated my rights. 15U.S.C section 602A. States I have the right to privacy. 15U.S.C sec1681 604A section 2 it is also States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

IC System keeps putting a collection on my credit report. I have a letter from them dated XX/XX/2021 stating that they will remove item from credit report AND it will NOT be re-reported to the credit reporting agencies by IC System XXXX Inc. Since I have received the letter the fraudulent debt has be sold to countless agencies that report the same fraudulent debt. It is not mine, does not belong to me and I want it removed from my report and made to NEVER resurface again. Enough is Enough. I have attached the letter from IC System.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically violating 15 U.S.C. 1681o ( civil liability for negligent noncompliance ). Despite my multiple disputes regarding inaccurate and unverifiable information on my credit report, Experian has failed to conduct a proper investigation and correct the errors, resulting in financial harm and undue stress.

Experians negligence and noncompliance with the FCRA have caused direct harm to my creditworthiness and financial well-being. Under 15 U.S.C. 1681o, Experian is liable for damages due to its failure.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries, as they were made without my consent and pertain to matters beyond my knowledge.
Product: Mortgage

Hello, our names are XXXX XXXX XXXX and XXXX XXXX. 
We are placing this complaint because we are having some issues with our mortgage bank ( SHELLPOINT MORTGAGE SERVICING ). Its about an imposed charge for extra coverage on our escrow account. That had happened last year with the amount of XXXX $ ( see attached table on XX/XX/XXXX ) ; that was then when everything started. We received some letters regarding our propertys hazard insurance. We took the letters to our insurance agent ( XXXX XXXX XXXX, XXXX, his name is XXXX XXXX. At that time, we were able to provide them with the master policy from the townhouse retroactively for 4 years ( XXXX, XXXX, XXXX, XXXX ) because they were charging us for all these years backwards.They reviewed and recalculated my escrow accordingly by XX/XX/XXXX ( see attached table ). The thing is that when we thought that everything was resolved, they started again in XXXX, XXXX. They sent us another letter. This time they were requesting an HO6 for extra coverage ; and again, they wanted it retroactively up to XXXX, XXXX, XXXX. We sent them a policy we bought through our insurance agent ( XXXX XXXX ). At first, they didnt want to include it on my escrow, so they didnt accept it on XXXX, XXXX when I sent it. Later, they accepted it, but it was too late because, once again, they bought an insurance and disbursed $ XXXX on XXXX XX/XX/XXXX and {$330.00} on XX/XX/XXXX respectively. As you can see on the attached table on XX/XX/XXXX, we sent our policy through our agent and this time it was accepted. We called several times spending so much valuable time over the phone without success. They said they are NOT going to reimburse ( XXXX $ ) that money back into our escrow because they are arguing that they had sent me letters regarding that issue in the past, which is not true. By the way, that was the very first time they requested that type of insurance ( HO6 ) because the previous times they were referring to the hazard insurance ; and we accordingly took care of that. My agent, XXXX keeps in records all the letters. 
Here, I am attaching this table so that you can better understand our request. Please, advise I am really disappointed with this Bank. I really want to solve this issue because it is so unfair. This is a mess! They have just Increased our mortgage payment by more than {$400.00} a month until XXXX because the escrow account is in negative balance for up to {$4000.00}. Please, take your time to review this for us because we are done dealing with this bank. Please, advise Thank you in advance. 
Best Regards, XXXX XXXX. 
XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Mortgage

RE : CASE NUMBER XXXX Please note that I have contacted Wells Fargo several times requesting my XXXX Escrow Review Statement. Each time I received empty promises by customer service representatives that it would be mailed within ten business days. 

Instead of sending me requested document, however, on XX/XX/XXXX, I received an email stating my tax document has been corrected... 

Wells Fargo Mortgage 's continuous failure to give me correct information without delays, as required by law, leaves much to be desired from a mortgage lender. 

Kindly assist.
Product: Credit reporting or other personal consumer reports

These accounts were specifically XXXX XXXX XXXX was removed from my credit report XXXX weeks ago. The fact that XXXX XXXX XXXX added this XXXX account back to my XXXX report XXXX beyond me. This account is fraudulent and illegal and needs to be removed for the last final time. THis is illegal for not only the original creditor but for the credit bureaus to remove and readd back to my credit profiles. remove this illegal account of my report for the last time XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$7700.00} These accounts below are also illegal and were never authorized in my name. Please remove the rest of these accounts before further action will be taken. I am a victim of identity theft. 

XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/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: Debt collection

Transworld Systems Inc has been calling me AT XXXX XXXX  IN THE MORNING trying to get me to pay someone else 's bill. I've told them I don't owe XXXX  anything. They argued with me and then threatened to put this on my credit report. I filled a complaint with the XXXX  and when they sent me a copy of the bill I discovered it was for someone else, NOT ME! I called them up read them the riot act for it and now they are mailing me the bill requesting payment from me which isn't even my bill!!! I've told them to leave me alone and stop harassing me and they hang up on me. I am BEYOND FURIOUS with these people. My next step is filing charges with law enforcement for this harassment because that is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing a complaint against TransUnion!!!! 

This is my third time disputed incorrect information on my credit account with credit bureaus and they still have not removed incorrect these accounts from my credit file. I need the following accounts removed/deleted from my credit report immediately due to incorrect information. I am a victim of fraud. 

Company/Accounts : 1 ) XXXX XXXX XXXXXXXX 2 XXXX XXXX XXXX  XXXX 3 ) XXXX 4 ) XXXX XXXX  5 ) XXXX  XXXX ( Last four ending : XXXX ) Note : my correct mailing address is XXXX XXXX XXXX XXXX, LA XXXX XXXX However, these accounts have an associated listed address that is not my address ( fraud ). 

TransUnion Fraud Specialists XXXX and XXXX XXXX both have promised me these account would be removed on XXXX XXXX XXXX, but to this day, they are still erroneously listed on my credit report. 

Please help!!!! TransUnion keeps repeating disputes that are time consuming with no results stating they can not delete or remove incorrect information from credit files. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Date : XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Fourth Request for Removal of Unverified and Inaccurate Accounts and from My Credit Report To Whom It May Concern, This letter serves as my fourth formal dispute of the inaccurate and unverified accounts and inquiries currently listed on my credit report. Despite multiple previous requests, XXXX has failed to adequately investigate, verify, or remove these erroneous entries, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
The continued presence of these unverified and inaccurate accounts and inquiries on my credit report is both damaging to my credit score and a clear violation of federal law. This failure to correct your records is unacceptable and requires immediate action. 
Disputed Accounts/Inquiries : XXXX Accounts : XXXX. XXXX XXXXXXXX {$16000.00} XXXXXXXX XXXX XXXX {$520.00} XXXXXXXX XXXX XXXXXXXX {$920.00} XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX {$2000.00} XXXX. XXXX XXXX XXXX {$1400.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5100.00} As I have already outlined in previous communications, these accounts and inquiries have not been properly verified, and Equifax has failed to conduct a thorough investigation into these disputes, which are your legal obligation to resolve. Under the FCRA, you are required to conduct a reasonable investigation within 30 days of my dispute, and yet these unverified, inaccurate items remain unresolved. 
This ongoing failure to remove these inaccurate and unverified entries will not be tolerated any longer. I am demanding the immediate and permanent removal of the disputed accounts and inquiries from my credit report. If these entries are not removed within 15 business days from the date of this letter, I will take the following actions without further notice : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

2. Pursue legal action for damages caused by your failure to comply with the FCRA, including but not limited to the harm caused to my creditworthiness.

3. Pursue any other legal recourse available under state and federal law.

Please be advised that I am not willing to accept further delays or responses that fail to resolve this matter. The law is clear, and it is your responsibility to act within the bounds of the law.

I demand written confirmation that these inaccurate and unverified accounts have been removed from my credit report and that my file has been fully corrected. Failure to comply will result in legal consequences that I am prepared to pursue.

I expect a swift and complete resolution to this matter. If I do not receive a satisfactory response from you within 15 business days, you will be hearing from my legal team.

Thank you for your immediate attention to this matter. I look forward to receiving your confirmation of removal. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the letter i wrote to XXXX XXXX  and their customer service said this was the only way to get response and she promised within 30 days. It has been over 60 days still no response and they have put false information on credit report without informing me. The letter contains all the details below Subject : Urgent Complaint Regarding Unfair Charge-Off on Credit Report Dear XXXX XXXX XXXX XXXX Full name : XXXX XXXX Account number : XXXX Vin number : XXXX Year, Make, Model : XXXX XXXX XXXX XXXX  ( XXXX  other other ) Cell : XXXX Email : XXXX My name is XXXX XXXX XXXX I hope this message finds you well. I am writing to express my deep concern and frustration regarding a recent issue with my account that has significantly impacted my credit standing. 
I had a total loss incident with my vehicle covered by your gap services, and I promptly initiated a claim. Throughout the process, I contacted XXXX XXXX XXXX multiple times to inquire about the status of the gap claim. Unfortunately, I was informed that the initial check was lost, and a new one would be reissued. 
Despite my repeated attempts to get updates, the gap claim took an unreasonably long period of 4-5 months to be processed. To my surprise, I later discovered that the gap coverage did not fully address the outstanding balance, leaving me with an unforeseen {$5000.00} owed.

What adds to my frustration is the lack of communication regarding this outstanding amount. Despite making approximately 10 calls to your customer service, I received assurances that the matter was still processing, with no mention of the outstanding balance. I was promised a call to notify me when the processing was complete, but regrettably, that call never came. 
To my utmost dismay, I recently discovered that XXXX XXXX XXXX has reported this as a charge-off on my credit report without any prior communication or notice. This not only adversely affects my credit score but also puts me in an unjust and challenging situation. 
I am seeking immediate resolution and request a thorough investigation into this matter. I insist on the removal of the wrongful charge-off from my credit report, as it was a result of a lack of communication and mismanagement on XXXX XXXX XXXX XXXX part. I believe in fair and transparent financial practices and trust that this issue can be resolved promptly. 
I appreciate your urgent attention to this matter and look forward to a swift resolution. Please give me a call or email me at earliest convenience so we can resolve this matter. 
Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Checking or savings account

This is an update to Claim # XXXX, and it pains us to file another claims but here it goes : To Whom It May Concern, We would like to extend our gratitude to XXXX XXXX XXXX XXXX XXXX XXXX in the Regulatory Complaints Department XXXX for contacting our team this week in an effort to resolve the protracted and frustrating situation involving XXXX. We appreciate the steps Bank of America has taken to address this matter and acknowledge the admission of errors in handling certain critical items in our original claim of {$6000.00}. Working with XXXX XXXX and the Claims Department was a constructive experience, and we are pleased to see progress toward resolution.

However, we remain at an impasse regarding two specific transactions outlined in the attached banking statement. These transactions, amounting to {$500.00} and {$180.00}, were excluded from the claims process due to Bank of Americas failure to act on our request in XX/XX/year>. Had these claims been accepted at that time, they would have been processed appropriately. Now, nine months later, we are told that no action can be taken, and we have only received apologies for the oversight. 

During our recorded conversation with XXXX XXXX, I reiterated multiple times that we followed the instructions provided by Bank of Americas representative, who advised us to go back to the vendor. We did so in good faith, attempting to resolve the matter directly with XXXX. Unfortunately, our attempts were unsuccessful, as XXXX failed to provide the services for which we paid. Despite repeated efforts to communicate with XXXX, the relationship is now irreparably broken. 

XXXX XXXX has suggested that we pursue recovery of these funds directly from XXXX. However, given the circumstances and our failed attempts, this approach is neither feasible nor reasonable. Bank of America, as our trusted financial partner, was expected to protect our firm from fraudulent activity. Instead, the banks failure to process our claims in XXXX has directly resulted in this unresolved situation. 

It is clear that Bank of America dropped the ball, not XXXX XXXX XXXXXXXX, XXXX. We followed the banks guidance and provided all necessary documentation to support our claim. Yet, we are now being told to bear the financial burden for the banks error. This is unacceptable. We demand that Bank of America take full responsibility for its mistake and reimburse our company for the two excluded transactions totaling {$690.00}.

We urge Bank of America to take swift and decisive action to rectify this matter. Failure to do so will leave us with no choice but to escalate our complaint further. We trust that Bank of America values its partnership with its clients and will do the right thing by ensuring that XXXX XXXX XXXX XXXXXXXX. is not penalized for the banks oversight. 

Thank you for your attention to this matter. We look forward to your prompt response and resolution.
Product: Debt collection

Midland credit reached out to me, via certified mail with a lawsuit on XX/XX/XXXX. On this day, o responded denying the debt and requesting full debt validation. Again on XX/XX/XXXX, less than two weeks later - they taped a second summons to my front door. This is still within the timeframe of me to respond per their first summons so I am unsure on why they would plaster a lawsuit on to my front door. This is a violation of the Fair Debt Collection Practices Act ( revealing to other persons [ neighbors ] the existence of debts ). This debt has NOT been validated. I dispute this debt in full.