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

To Whom It May Concern : I recently received a copy of my XXXX Equifax or XXXX XXXX credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX XXXXXXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 : Balance : {$12000.00} Account Name : XXXX : Account Number:XXXX  : Balance : {$870.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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  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 card

Dear CFPB and Citi, I am filing a complaint regarding a missing cashback offer on my Citi Double Cash Card ending in XXXX. 

On XX/XX/year>, I enrolled in the " Earn 12 % Back ( up to {$30.00} ) at XXXX XXXX '' offer before making a purchase ( see attached screenshot as proof ). Shortly after, I made a {$460.00} purchase at XXXX XXXX on the same day. However, as of XX/XX/year>, the offer has disappeared from my offer list, does not appear under redeemed offers, and I have not received the {$30.00} cashback. 

I request an investigation into this issue, specifically reviewing the backend offer enrollment activity logs to confirm my enrollment and eligibility for the cashback. 

To put it into perspective, several other credit cards offer similar XXXX XXXX promotions. I would not have used my Citi card for this purchase had I not successfully enrolled in the offer. I expect Citi to honor the 12 % cashback as originally promised. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Best regards,
Product: Credit reporting or other personal consumer reports

Here is a revised version of your dispute letter, incorporating the details from your 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate and Fraudulent Account Reporting under FCRA and TILA Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Numbers : XXXX ( Installment ), XXXX ( Revolving ) Balance : {$0.00} ( Installment ), {$1900.00} ( Revolving ) Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of two accounts listed under my credit profile from XXXX XXXX XXXX XXXX XXXX These accounts one Installment and one Revolving are falsely associated with me, and I have no connection to XXXX XXXX XXXX XXXX or any of their products. The details presented in my credit report are inaccurate and fraudulent. 

Account Details : Installment Account Closed Date : XX/XX/XXXX ( Equifax )/ XX/XX/XXXX ( XXXX ) Open Date : XX/XX/XXXX Payment Status : Paid account/was 30 days past due ( XXXX ) Worst Delinquency : 30 days past due Balance : {$0.00} Revolving Account Last Updated : XX/XX/XXXX ( Equifax ) XXXX XX/XX/XXXX ( XXXX ) Payment Status : Paid or paying as agreed Worst Delinquency : 60 days past due ( XXXX ) Balance : {$1900.00} ( XXXX ) Credit Limit : {$1000.00} ( Equifax ) Legal Basis for Dispute : FCRA Violations- Inaccurate Reporting ( 15 U.S.C. 1681 ) : As per the Fair Credit Reporting Act, credit bureaus are obligated to maintain only accurate and verifiable information on consumer credit reports. Neither of these accounts is mine, and the reporting of these accounts under my name is false and constitutes inaccurate reporting in violation of FCRA.

TILA Violations - Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity that extends consumer credit and to whom a debt is owed. I have no accounts with XXXX XXXX XXXX XXXX, and these reported accounts are therefore fraudulent. The presence of these accounts is a violation of my rights under TILA. 

Actions Requested : Immediate Removal of Accounts : I request that you investigate the accuracy of these accounts with XXXX XXXX XXXX XXXX and remove them from my credit report as they do not belong to me. 

Written Confirmation of Removal : Once the investigation is complete and these accounts are removed from my credit report, I ask that you provide written confirmation that these actions have been taken. 

Under the FCRA, I expect this matter to be resolved within 30 days. Failure to act within this timeframe may result in legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these inaccurate and fraudulent accounts. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I purchased my house in XX/XX/XXXX and entered into a mortgage contract with a specific mortgage lender. In XX/XX/XXXX I realized I would soon have a problem paying the mortgage due to my upcoming unexpected retirement and divorce. At that time a new bank ( Wells Fargo ) was now servicing my mortgage. 

I called Wells Fargo prior to my retirement to discuss what options I would have to reduce my monthly mortgage payments. I was up to date on all payments at that time. Wells Fargo told me ( via phone with a mortgage counselor ) that there was nothing I could do at that time and that I should call them back once I am unable to make the monthly payments. 

Once I went into owing a couple of months arrears for missed payments, I was able to apply for a mortgage modification. The process of submitting acceptable documentation and review took about 6 months before receiving a definitive answer to the modification. The answer to my modification application was that, unknown to me, my mortgage was of a type that could not be modified. At that point I was about 9 months in arrears and no longer eligible for other types of mortgage relief. 

Despite being told that my mortgage could not be modified, I was allowed to reapply twice for a modification under different programs or new income guidelines. Wells Fargo also offered me a modification, but it was no where near the reduction that would allow me to stay in the house within my now fixed income. 

Had I known that my mortgage could not be modified before going into arrears I could have pursued a number of options that would have satisfied the mortgage and maintained my excellent credit rating. Because of the lack of knowledge of this key piece of information, I have been locked into a " Catch-XXXX '' situation with no good resolution possible for either party. 

My complaints about the mortgage servicing process by Wells Fargo are:1. Although I was notified about the change of mortgage servicer, I was never notified about a change in my ability to modify the mortgage. 
2. Their refusal to discus, prior to a payment problem existing, my ability to modify my mortgage. 
3. Their contradictory response of telling me my mortgage could not be modified, and then offering me a voluntary modification. My refusal of an inadequate modification was also used as evidence of my not accepting help that was offered. 
4. Once the modification process started I was never offered any other relief that might address my situation. I was thus placed in a financial situation, which they would be aware of, where there was no relief available. 
5. Having me apply for a modification that " can not be modified '' is a waste of everyone 's valuable time. Allowing me to apply multiple times is cruel and unethical. 
6. The lack of prior notice of modification status and lack of clear and timely communication contradicts Wells Fargo 's efforts toward " home preservation ''. The consumer was placed, through no fault of his own, in an inevitable financially-debilitating situation with long-term consequences that could have easily been avoided.
Product: Debt collection

On XX/XX/18 I received a collection notice from afni Inc . It was for an XXXX XXXX XXXX account in he amount of {$280.00}. This was the first time I had been notified of the bill. 

I followed up with a letter to afni on XX/XX/18 ( see attached ). I copied my attorney on the letter as I always do on this type of correspondence. In XXXX of this year afni send our attorney the collection notice. I NEVER stated we had hired an attorney to handle this and I do not understand why they would change the billing to him. Also, they have not, as of today provided me with any additional information regarding service address, etc.
Product: Student loan

Hello, I have had a debt ( {$24000.00} ) with the company XXXX XXXX since XX/XX/XXXX, which has been precarious for I had relied on Military benefits to repay, but which I eventually learned would not come, and have not been in the United States until one year ago to rebuild my life here. 

In acknowledgment of my failure to make these payments, I do not condone the tactics taken by XXXX XXXX to collect these debts. 

When the company realized my mother, the cosigner, had lost her fiance on XX/XX/XXXX, they immediately looked into his assets and determined they would intimidate her days after his death to take advantage of her grief with unclear threats. XXXX XXXX ( Employee ID # XXXX ) was the collector making the calls and threats, intimidating my mom on the day of her finance 's funeral, XX/XX/XXXX after a time trying to get my mom to warm up to her. My mother was shaken from the death, and wanted XXXX to stop harassing her and eventually gave in to the money drop on XX/XX/XXXX with a {$2000.00} credit card payment, yet that money itself is more debt than my mom is able to handle herself. But they wanted more, {$14000.00} in total to keep my moms name off of the contract, and continued to harass for any possible way to make large lump sums with me beginning on XX/XX/XXXX. Then XXXX found my brother 's cell phone number and began to harass him on XX/XX/XXXX. I have repeatedly stated we are not in a position to make large lump sum payments, and must sort out a monthly plan, which they repeatedly refused to consider. I find this unethical, given I spent most of this last year working for a XXXX XXXX XXXX that XXXX XXXX XXXX with helping the XXXX XXXX ( XXXX XXXX XXXX ), which is why I am struggling to build back money to sustain myself and help my mother who now carry 's even her hXXXX XXXX XXXX XXXX. I am seeking to coordinate this into a monthly payment until I am able to get back on my feet. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

1. THOUGH MY PERSONAL CFPB VERIFIED COMPLAINT CONSUMER PORTER I FILE THIS COMPLAINT. SO NOW EXPERIAN DOESN'T HAVE TO QUESTION ON WHO SUBMITTED IT. IN IT YOU WILL FIND A DISPUTED ACCOUNTS THAT REFERENCE INACCURATE AND INCOMPLETE ACCOUNT INFORMATION THAT I MAIL TO EXPERIAN DATED XXXX XXXX XXXXXXXX BUT ON XX/XX/XXXX INSTEAD OF DOING A REQUIRED RE-INVESTIGATION, EXPERIAN RESPONDED WITH A LETTER SENT DIRECTLY TO ME STATING MY DISPUTE LOOKS SUSPICIOUS AND THEY DONT BELIEVE IT WAS FROM ME. HERE IS A DIRECT QUOTE TAKEN FROM THE LETTER WE RECEIVED A SUSPICIOUS REQUEST IN THE MAIL REGARDING YOUR PERSONAL CREDIT REPORT AND DETERMINED THAT IT WAS NOT SENT BY YOU. SUSPICIOUS REQUESTS ARE REVIEWED BY EXPERIAN SECURITY PERSONNEL WHO WORK REGULARLY WITH LAW ENFORCEMENT OFFICIALS AND REGULATORY AGENCIES TO IDENTIFY FRAUDULENT AND DECEPTIVE CORRESPONDENCE PURPORTING TO ORIGINATE FROM CONSUMERS. IN AN EFFORT TO SAFEGUARD YOUR PERSONAL CREDIT INFORMATION FROM FRAUD, WE WILL NOT BE INITIATING ANY DISPUTES BASED ON THE SUSPICIOUS CORRESPONDENCE. EXPERIAN WILL APPLY THIS SAME POLICY TO ANY FUTURE SUSPICIOUS REQUESTS THAT WE RECEIVE, BUT WE WILL NOT SEND ADDITIONAL NOTICES TO YOU 2. I ATTACHED THAT VERY SAME LETTER TO THIS COMPLAINT SHOWING THAT THEIR RESPONSE TO NOT RE-INVESTIGATE MY DISPUTE IS NOT GROUNDED IN LAW OR THE FCRA.EXPERIAN BASES THEIR DECISION SOLELY ON THEIR " ASSUMPTION '' WHICH IS A VIOLATION OF 15 USC 1681i, IT IS A STRANG ASSUMPTION BEING THAT ALL MY VERIFICATION DOCUMENT WERE ATTACHED TO MY DISPUTE. EXPERIAN THEN GOES ON FURTHER AND STATES THEY WILL NOT INVESTIGATE ANY FURTHER DISPUTES FROM ME. THIS IS OBVIOUSLY AN ATTEMPT BY EXPERIAN TO VIOLATE THEIR DUTIES TO DO A REASONABLE INVESTIGATION. SEEMS AS IF THEY WOULD PREFER ME TO CONTINUE WITH A CREDIT REPORT FILLED WITH INACCURACIES INCLUDING MY ADDRESS. THIS ONLY SERVES EXPERIAN BOTTOM LINE AND PROFIT. LASTLY EXPERIAN IN THE LETTER RESPONSE IS DOING THEIR BEST TO FORCE ME TO DISPUTE ONLINE AND BY PHONE, OR DOCUMENT UPLOAD, WHICH BY THE WAY DOESNT UPLOAD. I HAVE A RIGHT TO DISPUTE BY MAIL AND ASK FOR A RE-INVESTIGATION OF ACCOUNTS THAT ARE INACCURATE AND INCOMPLETE BUT EXPERIAN IS REFUSING ME THE CHANCE TO DO SO. ALL DISPUTES ARE WRITTEN, TYPED AND AUTHORED BY ME THE CONSUMER. 

3. EXPERIAN NEEDS TO STOP VIOLATING MY RIGHTS UNDER USC 1681i AND PROCEED WITH MY ORIGINAL DIPUTE THAT IS ENCLOSED I THIS COMPLAINT AND ALSO BEING REMAILED. THEY ARE STILL UNDER THE ORIGINAL 30 CLOCK AND ONLY HAVE THE REMAINING DAYS TO COMPLETE. ATTACHED TO THIS COMPLAING IS A COPY OF THE LETTER FROM EXPERIAN STATING THAT THEY VIOLATED MY FCRA RIGTHS AND WILL CONTINUE TO DO SO. ALSO ATTACHED TO THIS COMPLAINT IS COPY OF ORIGINAL DISPUTE FOR EXPERIAN TO PROCEED SINCE THE CLOCK IS STILL RUNNING ON THE ORIGNAL 30 DAYS. EXPERIAN ALSO NEEDS TO STOP BLOCKING MY DISPUTES AND TO TAKE OFF THE FILTER ON MY ACCOUNT PROHIBITING ME FROM DISPUTING IN-ACCURATE AND INCOMPLETE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The XXXX Reporting falsely Under XXXX XXXX XXXX  XXXX ( XXXX ) ( XXXX ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to produce any legal evidence or verification for the alleged debts, and is currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XXXX during the height of the pandemic we contacted our mortgage lender Mr.Cooper and explained that we were gon na have trouble paying our mortgage at this time. We were told that we can stop payment for 3 months but will have to pay the total amount at the end of this period. In XXXX a total of XXXX was paid to Mr.Cooper Nation-star Mortgage company. The funds were taken from the account but they failed to apply it to my mortgage. We contacted regarding the missing funds and they stated the payment was never made, but it clearly states and reflects on our bank statement. They requested bank statements for the month of XXXX which we sent, after several transmissions of these documents Mr.Cooper stated they never recieved these documents. This run around continued for months. Mr.Cooper then requested for a certified bank statement which was provided that they took the funds. We are now being told that Mr.Cooper never recieved those funds, but I have bank statements stating they did. I have filed a complaint with the XXXX  XXXX, and have spoke to an attorney about this matter. The mortgage company wants use to repay another XXXX before we can make any more payments. They clearly took the money or should I say stole the money, ..and because of their mistake want us to pay again. I'm beyond upset at their incompetence and need help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't have any judgement in XXXX XXXX XXXX, MD in the amount of {$2700.00} as stated on my credit report reported by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX last 4 of my SSN are XXXX date of birthXX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. Experian needs to get proof this is my judgment or remove from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a report from exprian and they do not remove any of the fraudulent items that were fraudulent after calling in 9 times they told me not to call back anymore and because they can't do anything but the fraudulent items are still ruining my credit
Product: Checking or savings account

Um I was trying to open a deposit account with Wells Fargo and I got denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute an inaccurate account with Equifax several times. The account is US Department of Education XXXX. The account is reporting inaccurate opening date, date last reported, date of last activity, and payment history. Because this information does not match XXXX that means it has not been verified. I have tried to contact the company myself to verify the account. Please delete this account. Please block this account from reappearing as it is inaccurate and unverifiable. Please send me a copy of the updated credit report reflecting the deletion. I have attached a copy of my driver 's license and social security card for identity verification purposes. if you are able to contact someone to verify this account please send me the date you spoke with them, their full name, their e-mail address, the direct telephone number, their mailing address, and their fax number so that I may contact them as well. Please do not send me a generic response stating that the account has been updated or verified. Thanks for your assistance in this matter! P.S. This account is also a duplicate. The account has been transferred and is already reporting correctly on my credit report. 

P.S. This is also a duplicate account. This account was transferred and correctly reporting on my account as another item.