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

Formal Demand to Validate Unauthorized Credit Inquiry I am writing to address a credit inquiry from your company dated XX/XX/year>2024 on my credit report. I do not recognize this inquiry, nor have I authorized Foursight CA to access my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b, you are required to have permissible purpose before obtaining my consumer credit report. Which I did NOT provide. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to provide proof that you had a permissible purpose to obtain my credit information. I demand that you provide the following documentation immediately : XXXX. Proof of my explicit authorization for this inquiry, including any signed agreements or consent forms bearing the XXXX CA name. 
XXXX. A detailed explanation of the purpose of the inquiry and the basis on which it was made to XXXX CA. 
XXXX. The name and contact information of the individual or department within XXXX CA responsible for initiating this inquiry. 

If you can not provide the requested documentation proving that this inquiry was legally authorized, you must take immediate steps to : Remove the inquiry from my credit file. 
Notify all credit reporting agencies of the correction. 
Confirm in writing that these actions have been completed. 

Failing to respond to this request or refusing to provide proper validation will result in formal complaint being filed to the State Attorney Generals office and the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of my consumer rights. This unauthorized inquiry has damaged my creditworthiness and constitutes a serious breach of federal law. I expect your response within XXXX calendar days of receipt of this letter. Ignoring this matter will only escalate the issue further. Consider this my final attempt to resolve this issue directly with your company before taking legal and regulatory action.
Product: Debt collection

This is the second time I pay for this account. The company wont send me a letter saying that the account was settled and closed. They still sending me send message to call them and I call and they transfer me and no one send me the letter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

Only one name should be on all XXXX reports same way as my XXXX id card. XXXX XXXX XXXX no other names should be on my report no abbreviations etc. shouldnt no job employment be showing on there I do not work thats inaccurate information thats sombody else not me. Only one address should be on there XXXX XXXX XXXX All other information is inaccurate and need to be updated because its hurting my credit by adding things thats not even mines
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify Consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

Sent 1 of 3 packages, ASSUMPTION, MODIFICATION, LOAN PACKAGE, letter said COMPLETE packages foreclosure on hold????? Never get a call or anything, WHY! what is status why foreclosure if all 3 packages sent!
Product: Debt collection

XX/XX/XXXX I was contacted by XXXX XXXX of XXXX XXXX Illinois regarding an outstanding balance of XXXX owed on a XXXX XXXX financed by Honor Finance. I signed a Letter of Settlement for XXXX which was paid XXXX a month for 10 months. The Settlement letter has both General Counsel 's and my signatures and date. The last payment was applied on XX/XX/XXXX. While making scheduled payments, Honor Finance went out of business ( was not aware of it and payments continued ). 

Less than a month after the final payment, I was contacted by Westlake Financial asking for payment. I explained to them the debt had been settled and went on to email them proof of the Settlement Letter with General Counsel 's signature. For 2 months I waited on them to hear from their legal department who supposedly had to determine who was servicing the Honor account. First, they were asking for XXXX, then XX/XX/XXXX they asked for XXXX. In XX/XX/XXXX, I called XXXX XXXX of XXXX XXXX  XXXX Illinois and we had a conference call with Westlake who was still asking for payment after XXXX confirmed the debt was paid off. I had an XXXX XXXX   yesterday after speaking with XXXX XXXX ( Westlake ) because I was so XXXX  and XXXX, please help me. 

Westlake will not accept this and their tactics are unethical and criminal, they need to be investigated and stopped.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # LISTED BELOW, has violated my rights.

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL 15 USC 1681i 15 USC 1681 S-2 15 USC 1681i ( 5 ) 1.1 CFPB Writeup : 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Listed Below Is All The Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Accounts XXXX XXXX XXXX Subject : Urgent Request for Deletion of Inaccurate Information Pursuant to the Fair Credit Reporting Act and Defamation Concerns : I am writing to address a matter of utmost urgency regarding the inaccuracies persisting on my credit report, as reported by your agency. I previously communicated my concerns, and despite your claim of having conducted a reasonable investigation, the inaccuracies persist, causing substantial damage to my credit score and resulting in defamation of my name, thereby adversely affecting various aspects of my life.

I have reach out to you and its been over a year In reference to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. Sec 1681i ( a ), I assert my right to dispute and request an immediate correction of any inaccuracies on my credit report. Your continued reporting of erroneous information is not only damaging to my creditworthiness but also constitutes a violation of the FCRA, which mandates the accuracy and fairness of consumer credit reporting.

The inaccurate information pertains to the following account : Account Number : [ Provide the relevant account number ] Despite my prior request for investigation, your company has failed to rectify the errors on my credit report. In accordance with 15 U.S.C. Sec 1681i ( a ) ( 5 ) ( A ), which requires prompt correction of inaccurate information, I demand that you IMMEDIATELY DELETE the inaccurate information associated with the mentioned account from my credit report.

The perpetuation of these inaccuracies is causing significant harm to my financial standing, and I am left with no option but to insist on the immediate removal of the erroneous information. Additionally, I am concerned about the potential defamation of my name due to the continued reporting of inaccurate data. 
To ensure compliance with the FCRA, I kindly request that you provide me with proof of deletion for the inaccuracies associated with the specified account. You can send the proof to my email address at XXXX and the provided postal address. 
I expect your prompt attention to this matter and a swift resolution in line with the FCRA guidelines. Failure to comply may result in legal action being taken to protect my rights under the FCRA. 
Thank you for your immediate attention to this matter. 
Including the requested documents, to my attention at XXXX and the address provided above. 

Your prompt attention to this matter is greatly appreciated, and we anticipate your cooperation in resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with different reps at Equifax in the month o f "  XX/XX/XXXX '' and given different confirmation numbers along with documentation in the mail stating the y have removed a incorrect address that I have never lived at which is "  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX  ''. This address keeps appearing on my credit report when Equifax states the address has been removed. I pulled my credit file today   XXXX - XXXX -2017  and address is still listed on my report. I have no credit history linked to that address. Equifax is the only  Bureau t hat lists this incorrect address.  <P/> Confirmation numbers advising address was removed are  XXXX   XXXX   XXXX   XXXX  PLEASE REMOVE ADDRESS I NEVER LIVED THEIR.  <P/>  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with Binance.US crypto trading exchange at the end of XX/XX/2021. My account was locked or disabled on XX/XX/2021, and my money had been held XXXX after I had successfully wired transfer money to their exchange on XX/XX/XXXX at XXXX. I had at least {$15000.00} or more on the exchange at the time. XXXX XXXX, I tried to logging into my account and it kept saying error. On XX/XX/XXXX & XXXX, I submitted a few tickets and reached out to customer support on XXXX for help. They responded saying they escalated my tickets within a day or so and sent a few emails to Re-verify my identity. I followed the various requests ( selfie and video holding my driver license ) and got an email confirmation on XX/XX/XXXX at XXXX with ticket # XXXX stating that my 2FA reset verification process is now completed and invited me to log back into my account. But when I clicked the link XXXX XXXX XXXX it said my account is disabled and to contact support. On XX/XX/XXXX at XXXX, I submitted another ticket # XXXX for customer support to resolve my case but I still havent received a single email confirmation from customer support since XX/XX/2021. I presented my case to customer support on XXXX and customer support had escalated my case on XX/XX/XXXX and has not been followed up within the XXXX hours as stated in the response. It has been re-escalated six or more times since and I still havent received XXXX single email confirmation from customer support. Ive noticed peoples cases on XXXX were escalated and resolved within XXXX hours because they stopped tweeting Binance XXXX about their accounts being locked. I feel my case is being ignored and discriminated. I had filed a complaint with XXXX  on XX/XX/2021. This has caused major financial, emotional, and XXXX distress in my life. I had emailed XXXX XXXX, XXXX XXXX ( Head of Regulatory and government Affairs ), XXXX XXXX ( compliance & risk manager ), and customer support every other day and still havent heard from them. I had reached out to XXXX XXXX and XXXX XXXX ( CEO ), and customer support on XXXX almost every day and got canned response we have escalated this to our team, cases usually receive response within XXXX. I still havent received a single email response since XX/XX/XXXX at XXXX. Please help me resolve this issue so I may resume back to my normal life. Thank you for understanding and looking forward to the update and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and I show inaccurate information listed on my credit report. I sent dispute to request verification of account and have not received and dispute updates per FCRA. this creditor XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) is showing as a charge off on my credit report and reporting a balance due in the amount of {$480.00}. Per the FRCA and FDCPA no charged off account can list an amount in balance on any credit report. It must show a balance of {$0.00}. below is the creditor information. 

Creditor : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance showing : {$480.00} which is inaccurate credit reporting information.
Product: Debt collection

I contacted this agency because they are stating that I owe a balance on behalf of their client. The client ( XXXX XXXX XXXX XXXX ) went out of business. The hospital XXXX XXXX Hospital stated that they have nothing to do with Procollect and do not have a claim against me. I contacted the insurance company ( XXXX ) and they stated that they never received a claim for this alleged bill. I requested the name of the physician who has placed this bill in collections and Procollect would not provide that information. This company will not provide me with the original account information nor will they provide me with an account number. I believe that they are fraudulently trying to collect on old accounts that no longer exist. My name was previously XXXX and when I visited the hospital XXXX/XXXX/2015, I had full insurance through my employer who was XXXX at the time. I have never heard anything about this alleged bill or account until just recently.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX **** Balance Owed : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. TRANSUNION failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore TRANSUNION is REQUIRED to immediately remove each and every last one of them from my credit report.
Product: Debt collection

Portfolio Recovery keeps calling all times of day and night. They are saying they have filled court cases with me because I an alleged debt. Different numbers call from all area codes saying Im committing a crime and they will sue me and garnish my wages. I do not owe such debt. I filled several disputes with the credit bureaus but they say it all comes back as investigated. Which is untrue. I am the only one who can verify if I owe a debt. Theres no contract or wet signature saying I owe.
Product: Credit reporting

On XX/XX/XXXX I filed a proper dispute on an unknown medical account with Experian. On XXXX/XXXX/2015 I received a response to my dispute stating that they will not re-investigate the dispute because it was previously disputed in XX/XX/XXXX, more than two years prior. I then contacted the reporting collection agency with a dispute and request for validation on this unknown medical account as per instructions from Experian, re-disputed to Experian with a copy of my dispute/validation letter to the collection agency, along with proof of the agency 's receipt of the dispute. Experian 's refusal to properly investigate the dispute is a violation of the FCRA and FACTA. Experian is the only credit reporting agency that is erroneously reporting this account on my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Service LLC Dispute - Confirmation # XXXX Dispute page and supporting information attached. I did not give permission for an inquiry through XXXX XXXX XXXX - check the signature and date on attached document. Please remove these two unauthorized inquiries from my credit reports. 

Thank you.
Product: Credit reporting

XXXX dispute XXXX filled XXXX/XXXX/XXXXXXXX dispute number XXXX filled XXXX/XXXX/XXXXEach time I dispute or ask of an investigation for items filled incorrectly on my credit report, i receive a results stating the items will remain and to contact the creditor. I also informed the reporting agency, each call to the creditor results in the creditor stating i should file a dispute with the agency. 

I also attached certified letters and responses from each company I disputed to no avail, some company not either responding, cooperating, or responding in the appropriate amount of time.
Product: Mortgage

My ex wife has used my name, social security number and forged several documents, dating back from 2016 to present with your company and the company who transferred the loan to you- for loan modifications. The house is now in foreclosure and she is & has ruined my credit.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must delete any incorrect accounts from my credit report. Can you check the documents? Some listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

I have reviewed my current credit report and the previous addresses on file have not been removed
Product: Debt collection

In XX/XX/XXXX I was sued by Midland Funding LLC for a debt I did not owed and on XX/XX/XXXX the lawsuit was dismissed . I expected a that Midland would stop reporting it to the Credits. Bureau what did not happen. XX/XX/XXXX I send a correspondence asking to do so but at my surprise on today date Midland continues to report this alleged debt to the credits bureau By keeping reporting this alleged debt Midland Funding LLC has ported prejudice to me So I’m coming to you to file this complaint
Product: Checking or savings account

The institution has suspended my overdraft services for excessive use when I have not even went over their monthly allowed limit. This is called a financial strain and under these hard times and hard situations when you allow overdrafts and put your account in the negative for such optional services and pay the fees for that services then you should spend them you make that money non-available to the positive balance making a deficit so not only did you let me go in the whole, the money you charge ( big fees ) so I almost paid triple and I can not re-access my overdraft to keep me from having a financial hardship the high cost service occured.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX
Product: Mortgage

Illegal foreclosure by Wells Fargo home Mortgage, violating my civil rights of due process. Email correspondence with the Wells Fargo Home Mortgage preservation Specialist, XXXX XXXX, attempting make payments, verification of insurance increase, foreclosure before a decision on an appeal, can be submitted as evidence of my numerous attempts to pay on my debt.I, XXXX XXXX XXXX, Plaintiff, under the Code of Virginia Title 8.01. Civil Remedies, filed a Notice of Appeal under Case Number XXXX. The Notice of Appeal was received at XXXX, XXXX XXXX XXXX