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

I am writing to file a formal complaint against XXXX, Equifax and XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate and unverified information on my credit report. I have disputed the following items on my credit report with XXXX, Equifax and XXXX because I believe they are inaccurate and can not be verified. Despite my formal request for verification under Section 611 of the FCRA ( 15 U.S.C. 1681i ), XXXX, Equifax and XXXX has failed to provide adequate verification or delete the contested items. The disputed information includes : Creditor/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 
In addition to contacting the credit bureaus directly, I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number XXXX. This report outlines the same issues I am presenting here and supports my claims of unverified and inaccurate information on my credit report. On XX/XX/year>, I sent a formal dispute letter to XXXX, requesting verification of the items listed above. I provided copies of my credit report and supporting documentation, but I have not received a satisfactory resolution. The disputed items remain on my credit report despite the lack of proper verification. Given the continued presence of unverified and potentially inaccurate information on my credit report, I request that the CFPB take the following actions : Investigate the failure of XXXX, Equifax and XXXX to comply with the FCRA. Ensure that XXXX, Equifax and XXXX either verify the accuracy of the disputed items or promptly delete them from my credit report. Address any potential violations of my rights under the FCRA by XXXX, Equifax and XXXX. Please find attached the following documents to support my complaint : A copy of the FTC report XXXX correspondence between myself and XXXX, Equifax and XXXX regarding this dispute I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights under the FCRA. 
Sincerely, XXXX XXXX
Product: Student loan

Fed loan is in violation of Fcra, fed loan keeps removing and re inserting this debt on my credit reports of XXXX XXXX, Fed loan is constantly removing and inserting debt which are only to stay on my reports for 7 years fed loan constantly keeps reaging this student loan information on my credit report which is illegal fed loan is not upholding the law which should be
Product: Mortgage

Wells Fargo has very high interest rate for my mortgage. We just want our interest rate to go down so we are able to pay for our mortgage and lower the monthly payments. They keep raising the loan amount. Due to this it has impacted on my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

My insurance company raised my rates based on the CLUE report provided by Lexis Nexis. I requested a full report and received it in XX/XX/XXXX. I sent an online dispute, disputed 2 erroneous errors on my report : Consumer Number XXXX Reference Number XXXX 1. XXXX Claim on XX/XX/XXXX. This claim is completely false. We have never had PA XXXX XXXX XXXX XXXX, and have never made a claim on this vehicle. 
2. XXXX Claim on XX/XX/XXXX. This claim is completely false. We have never had XXXX XXXX XXXX XXXX XXXX, and have never made a claim on this vehicle. 

XXXX XXXX then sent a letter saying that they verified these claims were true, but did not provide any method of how they validated it. I sent another dispute on XX/XX/XXXX requested validation information, mainly, the contact information of XXXX  XXXX XXXX XXXX XXXX, and the method of verification. It was not provided, and to date, I have not received a response. This is a violation of my rights as a consumer, per the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXX  Opened XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX Opened XX/XX/XXXX {$2000.00} XXXX XXXX, XXXX. 
Opened XX/XX/XXXX {$2400.00} Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer.

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information.

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Its unbelievable that neither the credit bureaus nor the companies involved can recognize this as fraudulent. Why would I open three credit accounts and go delinquent on all of them? If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law . That, in itself, is fraud. Additionally, the reported delinquency for XXXX XXXX showing as XX/XX/XXXX doesnt make any sense.
Product: Debt collection

LVNV Funding LLC is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means.

I have made previous attempts to fix these issues directly with them and they are continuously violating my rights. I'm entitled to {$1000.00} for every violation I listed, therefore I'm demanding they either pay me or delete this account ASAP.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I have been disputing items but they are still on my credit I want them removed
Product: Mortgage

I am filing this complaint against Shellpoint Mortgage Servicing ( NewRez ) for failing to provide proof of legal loan ownership after acquiring my mortgage from Specialized Loan Servicing ( SLS ). 

I sent a Qualified Written Request ( QWR ) requesting proof of ownership, assignment records, the original promissory note, and a full loan history. Shellpoint failed to provide this documentation within the required timeframe, violating RESPA and TILA. 

There is an active class action lawsuit against XXXX for improper loan assessments, raising concerns that my mortgage balance may be inaccurate. Shellpoint must prove legal ownership before enforcing any collection or foreclosure actions. 

I request that the CFPB investigate Shellpoints failure to provide documentation and ensure they comply with federal mortgage servicing laws.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 


Account name : XXXX  XXXX # XXXX, has violated my rights. 
Account name XXXX  # XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX  XXXX # XXXX, has violated my rights. 
Account name XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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 the records of conviction of crimes which dates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to address several inaccuracies and violations present on my credit report. It has come to my attention that my credit report contains unauthorized inquiries and incorrect personal information. I have taken the necessary steps to verify the information, and I kindly request that the following discrepancies be investigated and rectified in accordance with the applicable laws and regulations : Unauthorized Inquiry : Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX I have no recollection of providing authorization for this credit inquiry. As such, I demand that this unauthorized inquiry be promptly removed from my credit report. This action is in line with the Fair Credit Reporting Act ( FCRA ), which mandates obtaining proper authorization before conducting credit inquiries. 
Incorrect Personal Information - Alias : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX This alias does not pertain to me, and I request that it be immediately expunged from my credit report. The FCRA stipulates that credit reports must accurately reflect an individual 's personal information, and any inaccuracies should be promptly corrected. 
Incorrect Personal Information - Address : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX The address listed above is incorrect and does not correspond to my current residence. I kindly request that this incorrect address be rectified in line with FCRA provisions on accurate reporting. 
Unauthorized Inquiry : Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Similar to the previous unauthorized inquiry, I have no recollection of granting permission for this credit inquiry. I urge you to promptly remove this inquiry from my credit report, as per the FCRA requirements for proper authorization. 
I appreciate your attention to this matter and your adherence to the laws and regulations designed to protect consumers ' credit information. Please provide written confirmation once these discrepancies have been addressed and rectified. 

Thank you for your prompt action in resolving these issues. I look forward to a swift resolution and an accurate credit report. 

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

As stated in Section 605B of the Fair Credit Reporting Act, reporting information on my credit report without my consent is unlawful. Therefore, I request the removal of this from my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX  - Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX 

Account number - XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXXXXXX Account number - XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Reported : XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Checking or savings account

I have been trying to close my account and I was assessed 4 monthly service fees of XXXX. I was told to bring my balance to above XXXX and the fees would be reversed. I have called twice and they have not been waived and I have been assessed another fee. I shouldnt be required to put money in an account to have fees reversed.
Product: Bank account or service

I came into PNC 's XXXX XXXX location to open the accounts on XXXX/XXXX/14, however the slips are dated XXXX/XXXX/14. I did not fill them out. The person who opened my accounts, XXXX XXXX XXXX, is the one who filled in both deposit slips. This issue is with the deposit into the checking account- it is off by {$12000.00}. I was n't given credit for the correct amount of the certfied check deposited. The checking account deposit was {$2000.00} in cash plus the certified check. The amount of the check was {$16000.00}, but I was only given credit for {$4800.00}. The total deposit amount for the checking account should have been {$18000.00}, not the {$6800.00} I was credited. If you look at the deposit slip you can see the errors XXXX XXXX made. At the same time I opened the checking account, I opened a savings/money market account in which there was a cash deposit of {$12000.00}. After speaking with customer service many times and getting nowhere ( I kept being told that the error would be corrected and to wait a few business days for my adjusted credit to post ), I escalated my dispute and it was sent to PNC 's Retail Escalation Department. I initially heard back from XXXX XXXX in their Retail Escalation Department, who left me a voice message stating she investigated my dispute, saw the error made by XXXX XXXX, and would contact me again once the missing funds were posted to my account. The dispute I made was only regarding the deposit error made to my checking account. The deposit slip and credit appiled to the savings/money maket account was correct and therefore there was no reason for me to make a dispute for that account. I later got a call from XXXX XXXX in which she made the assumption that the certified check was split as I could not have had a total of {$14000.00} in cash with me ( I was given no basis for this assumption ) when I opened the accounts and that my dispute was being closed. I have spoken with cusomer service multiple times and have been told there is no documentation reflecting/supporting the determination by XXXX XXXX that the certified check was split. I went to the local branch and was told by the manager that only the Retail Escalation Department can do a credit adjustment for deposit errors. PNC 's policy for disputes is to issue a provisional credit 10 days after that dispute number is opened. In order to avoid giving me a provisional credit of {$12000.00} PNC keeps closing out my disputes without giving me notice it is closed. I am not given a reason why or who closed it. I keep calling customer service, am told my dispute is closed, and then have to open a new dispute. I ca n't reopen a closed dispute and the new dispute restarts the 10 day clock for the provisional credit.