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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. XXXX XXXX XXXX XXXX
Product: Debt collection

On or about XX/XX/XXXX, I sent a debt verification letter to Wakefield & Associates via Certified mail in which someone signed and acknowledged it on XX/XX/XXXX. It has been more than 30 days and I have not received and correspondence regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found several accounts that I do not recognize and believe are erroneous. I would like to request your assistance in investigating these accounts and having them removed from my credit report. 

XXXX XXXX Account Number : XXXX I have no recollection of this account and do not believe it belongs to me. Please remove this account from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXXXXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX XXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXX The inquiries have reached the statute of limitations and should be removed from my credit report. 

I kindly request that you investigate these accounts and remove them from my credit report if they are found to be erroneous. Thank you for your assistance in this matter. 

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

This letter is in response to your recent claim that XXXX XXXX XXXXXXXX has reported an unpaid debt under my name, XXXX XXXX XXXX. I have verified that I have no legally binding obligation to pay any alleged debt with them. 
Again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX. Be advised that I hereby request a description of the procedure used to determine the accuracy and completeness of this information, and it must be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, I request the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. 
I am formally requesting a copy of any documents provided by XXXX XXXX XXXXXXXX, bearing my signature, that prove I have a legally binding contractual obligation to pay this amount. A bank clerk looking at their computer screen and seeing my name listed in their database is NOT verification or validation of any alleged debt. 
This is my final goodwill attempt to have you clear up this matter. The item listed is entirely inaccurate and incomplete, and it represents a serious error in your reporting. 
Failure to comply with federal regulations regarding credit reporting agencies will be investigated by the Federal Trade Commission ( FTC ), per 15 USC 41 et seq. I am maintaining a careful record of our communications for the purpose of filing a complaint with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and the Minnesota Attorney General 's office, should you continue in non-compliance. 
As a reminder, in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX XXXX ), non-compliance may result in your liability for damages
Product: Credit reporting or other personal consumer reports

First progress card is claiming I owe money on a charged off debt 1099-c. This account should show XXXX balances and showing high credit XXXX balance on history. Reporting inaccurate and showing days late this information should not be listed on a closed account
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

This Account # XXXX is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately.

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2019. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices.
Product: Money transfer, virtual currency, or money service

I lost my phone at the end of the day on XXXX at XXXXXXXX XXXX XXXXXXXX XXXX. This is my college. 

I recovered my phone on XXXX and found there were XXXX total transactions from my XXXX account to another person via zelle. These amounts totaled unto a grand total of {$1100.00} which was my entire bank account frozen. 

I immediately called XXXX the moment my phone was recovered and disputed these transactions. Within XXXX hours, they denied the claim and have provided me with no evidence or reasoning as to why this has happened.
Product: Checking or savings account

I opened a Chime account and received my card in the mail and activated. I deposited {$1000.00} into my account on XX/XX/XXXX, then 4 days later, my account was locked because the company stated that I did not provide the necessary documentation for verification of my identity. I have since then sent them the documents that were requested on XX/XX/XXXX. It has now been 5 days, and my account is still locked. They have my money but I can not access it.
Product: Mortgage

I refinanced my mortgage with Owning Corporation. I got very good service up until the day I signed all the paperwork to close on the refinance. 
Since that day, I haven't been able to talk to anyone, after several emails back and forth, I got my closing disclosure etc. 

ISSUE : Owning Corporation refuses to respond to my queries regarding when and how I should make my mortgage payments. 
I have called several times and no one picks up/answers my calls. I left messages and no one responds. 
Several weeks ago, I was able to talk to someone and they indicated that I would get something in my mail in XXXX indicating how to make mortgage payments but I don't have anything in my mail. I still don't know how to make my mortgage payments. 
Email response to my query resulted in a link shared by Owning with Closing disclosure again but no information on how to make my payment. 

ISSUE SUMMARY : My payment is due early XXXX but I believe Owning is intentionally not providing me information on how to make my mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, My name is XXXX XXXX. I have previously contacted the CFPB in the past ; concerning this company continuing to check my credit ; resulting in unauthorized Hard Inquires. From my understanding ; the bought the debt that was owed on a repossessed car from XXXX XXXX XXXX. After the car was sold ; first investors stated that I owed {$10000.00}. They stated that they failed to update my address to the one that I had provided ; so they were willing to accept 25 % of the balance. Due to their mistake. I asked for this in writing ; I never received. When I called sometime earlier this year ; was told that AutoVest ; which is also " XXXX XXXX XXXX XXXX ''. This company is not willing to work with me ; they have filed a lawsuit against me for almost {$13000.00} ; which is more tan what is owed. Now, they keep checking my credit for no reason. When I called and asked them the reason ; they say they purchased the loan,, and can check my credit as many times as they want. I think this is a violation of my rights ; I never signed anything with this company,, and I have asked them to refrain from checking my credit ; they are causing unnecessary hard inquires.
Product: Mortgage

We have been working with XXXX Mortgage servicing aka Bank of America for a mortgage loan that has been in arrears ( long story, Countrywide and BOA takeover ) and we have been trying to workout for 8 years. The current status is I contacted XXXX the end of XXXX to let them know we have a homebuyer that is pre approved and wants our home to move in end of XXXX. We did not receive any response except a certified letter of FORECLOSURE for XXXX XXXX on our residence on XXXX XXXX i contacted Shellpoint and spoke with XXXX in Loss Mitigation on XXXX XXXX and she said the payoff was sent to us and that we would even get relocation assistance with the Short Sale. She gave me the name of our Point of Contact, XXXX XXXX with XXXX and said she was sending out the paperwork, I asked for Short Sale and Deed in Lieu of Foreclosure, just in case. YESTERDAY XXXX XXXX, we received the paperwork for Short Sale. XXXX XXXX called after XXXX ( I had left him another message last Friday ) and he said he did not know anything about a Short Sale, that the home is in the process of a bank sale. I told him, it is on the website that XXXX is working with the homeowner for a short sale and he said he knows nothing about it, so I am enclosing that information. We have been strung out all this time with BOA and now we have a buyer and they want to rush to Foreclosure. I have 8 years of history, where do we begin? We want the opportunity to sell and resonable time to move. Thank you so much. XXXX and XXXX XXXX
Product: Credit card

The company sold my account to a company without my permission. This Company needs to provide the original contract with my original wet ink human signature to verify debt is in fact the debt of XXXX : XXXX. 

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy purse to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 ( 4 ).

If they are unable to provide the above this account by law must be removed from my account.
Product: Credit card

There has been an issue with my Citibank account that I 've had with them for 3 months. I was mailed this offer by them that clearly stated that there was 0 % Intro APR for 18 months on balance transfers and purchases, however, I 've been charged interest on the card for my purchases, when it, again, clearly states that I was to not be charged interest for 18 months. When I called them, I was told that no interest was only for balance transfers and not his purchases, and AGAIN, the mail that I was sent by them STATES " 0 % INTRO APR FOR 18 MONTHS on balance transfers and purchases ''. I was then transferred to a supervisor who was literally no help at all, and who had the audacity to telle that in order to fix THEIR problem, I needed to mail in the letter that THEY sent. I 'm not really sure how that even makes sense, considering this was an offer they mailed out, not something that I made up. I got so fed up with this nonsense that I ended up paying {$2200.00}, along with another XXXX something dollars in interest which he did n't even have to pay for another 18 months, and closing my account with them. This was incredibly fraudulent of them. They are practicing false advertisement.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items.

2. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting 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. My credit report includes the following erroneous information that needs to be investigated and correct.XX/XX/XXXX
Product: Student loan

N  avient has not placed my loan on Forebarence as part of the Defense to Reoayment program. Navient has b een sent the documentation twice by the Department of Education since   XXXX   XXXX    . Navient is unwilling to discuss issue as their employees are not educated in handling the  Defense to Reoayment claims, often asking multiple times if I 'm asking for a forevarence request as if   pushing me to take a forebarence.
Product: Debt collection

XXXX XXXX XXXX agreed to settle debt for {$550.00} it was paid in full they said pendrick pick the debt up which was settled and still reported it as if i owed r them a some of something
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS -XXXX 2020, XXXX 2020, XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau never sent me the full procedures that were took to investigate the inaccurate accounts being reported on my credit profile such as the original contract, my wet ink signature agreeing to terms on contracts with credit and ectExperian violated my right under the FCRA Experian never sent me the full investigation that they took to validate that accounts I demand that Experian Removed the 2 inaccurate accounts off of my credit report immediately the two accounts below are being reported inaccurate and doesnt belong to me and is being reported inaccurately on my credit report please remove immediately. Thanks Inaccurate Accounts : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights.

15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
Chapter XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 604, a company must have a permissible purpose before accessing my credit information. I did not authorize the following inquiries, and I demand their immediate removal from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since I did not provide written consent for these inquiries, they constitute a violation of my rights under the FCRA. I request an immediate investigation and demand written confirmation of their removal from my credit report. 
If these unauthorized inquiries are not removed within 24 hours, I will escalate this matter by filing formal complaints with the Federal Trade Commission ( FTC ), my State Attorney Generals office, and other relevant consumer protection agencies. Additionally, I will explore legal action under the FCRA should this issue remain unresolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my student loan information has been reported to credit reporting agencies, XXXX, XXXX, and XXXX. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the student 's parents. My student loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my student loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a student 's education records. I request transparency in this matter and would like to be provided with information regarding who accessed my student loan information and the legitimate interest each entity had in obtaining this information.