23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, AZ XXXX Account name : XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Account name : XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Account name : EXETER FINANCE LLC ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 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. 

w/Gratitude
Product: Credit card

Dear XXXX XXXX XXXX WELLS FARGO, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from WELLS FARGO. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing XXXX instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loans falled under XXXX XXXX XXXX XXXX XXXX   Program all loans were paid in full by Government and President Trump 's new Forgiveness Program for military Veterans. 
XX/XX/XXXX called IRS and US Treasury XX/XX/XXXX called Department of Education XX/XX/XXXX called XXXX  XX/XX/XXXX called Fed Loans And continue to called untill XX/XX/XXXX and still nothing has been done.

Remove Immediately Fed Loans Department of Education loans On all 3 credit reports and listed 6 different areas, this caused me to become XXXX
Product: Money transfer, virtual currency, or money service

They closed my account I was using their services for every job I had always found a way to add money but then my acc was blocked for using borrow services
Product: Credit reporting

I HAVE SUBMITTED PROOF THAT A JUDGMENT AND A XXXX ACCOUNT APPEARING ON MY REPORT IS BEING REPORT INCORRECTLY AND AS OF TODAY THEY STILL SHOWING. HELP ME REMOVE THESE ACCOUNTS THANK YOU XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to investigate and correct inaccurate or incomplete information. Specifically, I request the removal of missed payments reported for XXXX, XXXX, and XX/XX/year> on my XXXX XXXX account. I have been a loyal XXXX XXXX customer for 22 years, never missing a payment until this incident, which was caused by an error on their part. XXXX XXXX inadvertently turned off my autopay feature during a period when I was dealing with medical health issues. Upon realizing this, I contacted them, and they corrected my account, reinstated autopay, and assured me they would rectify the mistake on their end. However, these missed payments remain on my credit report, damaging my otherwise impeccable credit history.

Under the FCRA, you are obligated to ensure the accuracy of reported information ( 15 U.S.C. 1681e ( b ) ). These late payments are not reflective of my payment history but rather an error by XXXX XXXX, which they have acknowledged. I demand that you investigate this matter and remove these derogatory marks from my credit report within the 30-day timeframe mandated by law.

Additionally, I am raising a broader complaint about the predatory practice of credit utilization, which has harmed my credit score despite my fiscal responsibility. For years, I relied on a single credit cardmy XXXX XXXXrunning all expenses through it for incentives like points and cash back, paying it off in full monthly. To my surprise, my credit score suffered due to high credit utilization, a metric consumers are not adequately informed about until its too late. This lack of transparency has led to higher interest rates on loans, forcing me to take out additional cards to mitigate the issuean outcome that benefits the credit industry at consumers expense. I assert that this practice violates the spirit of fair and transparent credit reporting under the FCRA and constitutes a predatory scheme perpetuated by the Big Three credit bureausEquifax, Experian, and TransUnionall influenced by the same financial giants ( XXXX, XXXX, XXXX, XXXX XXXX ). I am currently filming a documentary, *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, to expose these practices, supported by my published papers on the subject. 

Please remove the inaccurate missed payment notations from my report and provide written confirmation of the correction. If further documentation is needed regarding the XXXX XXXX error, I am happy to provide it. I am also filing complaints with Experian, TransUnion, and the Consumer Financial Protection Bureau to address both this specific issue and the systemic problem of credit utilization. I am also requesting that the utilization model that is currently being used on my account be removed. It does not reflect my payment history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to investigate and correct inaccurate or incomplete information. 

Thank you for your prompt attention to this matter.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting

On XXXX XXXX Transunion removed all credit inquiries from my credit report and between XXXX XXXX and XXXX XXXX, 2016 reinserted them. I was not notified in writing by Transunion about the reinsertion. This has happened on several occasions when credit inquires are removed and reinserted without notification. I am asking for all credit inquiries to be deleted accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXX XXXX XXXX ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my XXXX, and Equifax reports. This is NOT my debt. I have reported to XXXX  and Equifax and they investigated yet the item remains on my reports. I have disputed to XXXX XXXX XXXX and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.
Product: Debt collection

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, a XXXX account was opened at XXXX store in Texas using my social security number. They received 2 phone numbers and 2 XXXX without paying for them using the new account. The phone # s were XXXX and XXXX. The address they gave was XXXX XXXX XXXX, XXXX TX XXXX. 
I noticed this on my credit report XX/XX/XXXX when it was sent to collections. I disputed it in XX/XX/XXXX with the credit agency and reached out to XXXX fraud via email and numerous phone calls. I disputed it again in XX/XX/XXXX and filed a police report, sending all of the docs to XXXX. 
Once again, it is in collections and I have repeated the proces with the new collection agency and XXXX fraud. 
I never hear anythihg back from XXXX. It is illogical that they do not respond to the many ways and times I have presented them with this information. 
The bill is now {$3100.00}
Product: Mortgage

in XXXX of XXXX, XXXX XXXX sold our Mortgage to Fay servicing. The XXXX payment was sent to XXXX XXXX. XXXX XXXX sent a letter to us advising that Fay servicing was the new lender and the payment was forwarded on to them. Fay servicing is unable, and unwilling to locate that XXXX payment. Starting in XXXX of XXXX, I began trying to work with Fay servicing to get this corrected. I provided them copies of the XXXX letter and front and back copies of the check that was sent for the payment. After 6 months of trying to get this resolved i was informed by Fay servicing that I needed to contact XXXX XXXX  and see how the funds were sent to them and get the conformation information.. Even though we have provided proof that the payment was made, fay servicing is reporting late payments on our credit report. 

After a conference call today with XXXX XXXX  and Fay servicing, Fay servicing stated that the onus is on them to research and locate the payment, and that until chase proves that they payment was sent, they were going to continue to report late payments to my credit score. This is now 7 months or trying to get this resolved.
Product: Mortgage

PHH Mortgage Acct. XXXX I've made three {$1000.00} Extra payments to go to my principal, along with my normal monthly payments. However when I look at my acct online the principal amounts have not really changed. I called an pointed this out, they said they will research and get back to me in 10 days. I think their processes need to be looked at. I believe there are ripping me & others off. XXXX
Product: Debt collection

My complaint is with Ditech Financial LLC. They are the collection company for XXXX XXXX XXXX XXXX, The company I had my second mortgage with. I filed bankruptcy around 2013 and my bankruptcy lawyer told me that the law had changed that year so I could not write off my second mortgage, but I didn't have to pay them. Well they have a lien on my house so I wanted to try to settle with them. It started about 4 years ago when I called and talked to a representative who at that time agreed to accept {$10000.00} as settlement. I verbally agreed to that amount as well, but then about 2 weeks later I got a letter in the mail from them stating that it was a mistake that they offered to accept {$10000.00}. Then a few months later I called and talked to them and was told they would accept {$13000.00}, but I would also have to send them that last 2 years of financial statements, which I had already sent them 3 times prior so I told them I didn't want to send it again, because every time I sent it they kept telling me its not good enough. Then the next time I talked to them they now wanted {$20000.00}. This has continued to go up and up each time I talk to them. The last time I spoke with them was about 6 months ago and they now said they would only accept $ XXXX {$40000.00}. I told them at the time I filed bankruptcy my house appraised at {$140000.00} which I owed more than that already on my first mortgage and they said they dont care, that they would get their own appraisal. They keep using these unethical and false tactics to try to get more money out of the consumer. This company was previously known as GreenTree who used the same tactics on their customers which is why they were in the middle of a class action lawsuit which lead to them filing bankrupty themselves and then reopening up as Ditech. Their unfair and unacceptable tactics have not changed. I was trying to do the right thing and settle with them, but they keep on increasing the amount and going back on their verbal agreements with me. I'm looking for your assistance in settling this debt with them for the {$10000.00} they originally agreed on. I want to get the lien off of my home and just be done with this company, but I will not pay them this obscene amount of money they are currently asking for. Especially knowing their history of unethical business tactics that they use on the consumer. I would appreciate any assistance you are able to give me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card

I applied for a credit card with Citizens Bank online in order to balance transfer a higher rate card which I indicated at application that I possibly wanted to transfer {$3000.00} ( not knowing the amount I would be approved for. I was informed obtained a {$6000.00} credit limit 2 weeks later. I accessed the account online and attempted to complete the transfer and it indicated that it would need to be completed by phone. I called and completed the transfer with a rep there for {$5500.00} who did not inform me there was another transfer pending. I received a letter on XX/XX/XXXX that indicated that the additional {$3000.00} transfer had been attempted but would not be able to be completed as it exceeded the credit limit. I did n't remember the {$3000.00} initially but thought that this was going to be resolved by the company 's fail-safe precautions to which the letter was informing. Later I had received a call from the credit card company indicating that both transfers had completed and I was over {$2500.00} over my credit limit. I indicated that I had not authorized the additional {$3000.00} and wanted it reversed. This rep apologized, indicated he would reverse the transfer and indicated it would all be corrected. A week later I got another call and an email from my credit protection company ( XXXX ) indicating that my score had dropped XXXX points as a result of me going over my limit. I talked to a rep who explained that the second transfer was a result of the amount requested prior to approval and indicated that the whole situation was my fault even though the rep that initiated the second transfer had not indicated there was a transfer pending, the letter indicate there should have been a fail-safe preventing the transfer and that the later rep said he could reverse the transfer. I indicated that I wanted to file a complaint and possibly take legal action and wanted all transcripts of the 3 earlier contacts by phone. He said that he could no longer speak to me due to this action but indicated that I would be contacted by their complaint department within 48 hours. Did not happen. Called back and again was told that I would be contacted. I since reversed the {$3000.00} from the credit card that received the transfer ( XXXX XXXX XXXX ) but per XXXX no change to my credit report has happened. That was 2 weeks ago. I want to file a formal complaint. I want my all XXXX repositories contacted and informed of the accurate balance and that the {$3000.00} transfer was a mistake by Citizens Bank and that my report should not be negatively affected by the balance exceeding the credit limit.
Product: Vehicle loan or lease

The equitable financ On XX/XX/2016 for the amount of {$16000.00}
Product: Credit card

Fortiva apparently opened a card for me without my consent or knowledge. I dont even have the card. They dont have my actual address because I moved. 
I originally used them as a loan to pay off a XXXX purchase, and I paid it off. Then sometime later, they opened a card in my name without my consent. 

Now they are emailing me telling me I am past due because they put a yearly charge on the card, which I have never opened or used. I called them to close the account and they said they did, but I am still getting emails saying I am past due, and I can still log into the account they sent me and it says I owe money on a card I have never used or consented to opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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: Credit reporting, credit repair services, or other personal consumer reports

I paid Experian for their 3 in one credit reporting service. Credit Check total service. I have never been able to access all 3 reports. Ive been charged XXXX a month and never received the service. They are refusing to refund my money.