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

I am a federally protected consumer. On XX/XX/XXXX, I sent via certified mail a letter to all three credit agencies named Trans Union LLC, XXXX, and XXXX XXXX XXXX XXXX. This letter was in response to my failed and unsuccessful attempts at disputing the incorrect information on multiple occasions. The letter stated that I did not give these companies anything in writing in regards to lawfully furnishing the information addressed on my consumer report and that it is incorrect. 

The specific account referenced was named XXXXXXXX XXXX XXXX XXXXXXXX. This account contains a total of XXXX late or delinquent payments on my consumer report which is false and inaccurate information. This information was never presented with any proof that it was verified or the method in which verification of this information was obtained. When disputed, the only thing sent to me in return was a copy of my consumer report stating that it was verified. The law states that anything reporting on my consumer report must be authenticated by ME, the consumer to whom the account belongs to. These credit agencies do not have the right to verify and authenticate information on my behalf without my permission. 

Currently my account has late payments being reported on the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are all currently in a billing dispute resolution as of XX/XX/XXXX in which I have the proof to show. This means that none of these accounts are to be reporting as late or delinquent or closed for any reason until the matter is resolved. I am demanding that all late payments on my consumer report be deleted. 

This negligence on behalf of the consumer reporting companies named XXXX and Trans Union has cause damages due to me being denied for credit because of late or delinquent accounts. It has prohibited me from being able to obtain a new vehicle in which I am in need of. It has prohibited me from being able to obtain new credit from most places that I have applied.
Product: Debt collection

They called about a debt that was not done by me they said they understood but next day kept calling me and pressing me, i told them the situation and called or something to a Law Firm thats extremely far from me saying they will arrest me if i was pulled over or something.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 - Notice of Request For Confirmation of Account Charge Of They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/2024 - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/2024 - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/2024 - Request for Cancellation of Debt Information and XXXX Form They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/2024 - Notice of Request for Cancellation of Debt Information, inaccurate Information on Credit Report - They responded back with a letter to call them even after I requested all correspondence to go through the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX BANK XXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

since XX/XX/2022, until today XX/XX/2022 I have sent about 30 disputes to Equifax about the unauthorized Inquiries that in my credit report asking them to re-investigate them but I receive the results next day to find that nothing happened i don't know how they can finish investigation in less than 24 hours
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXXday notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Also Known As : - XXXX XXXX Incorrect Also Known As : - XXXX XXXX Incorrect Also Known As : - XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Employer : XXXX XXXX XXXX Employer : - XXXX Employer : - XXXX XXXX XXXX XXXX XXXX XXXX NY , Employer : - XXXX  XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Your agency is in breach of the law XXXX According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and notice I had two late payments on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 
I have never be late on payments for the account. XXXX XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

Thanks.
Product: Mortgage

I just received a mortgage account statement from OCWEN LOAN SERVICING, LLC in the amount of {$8700.00} ( Mortgage Account statement dated XXXX attached ). OCWEN LOAN SERVICING, LLC has failed to provide any explanation or detail as to how this amount was specifically calculated. OCWEN LOAN SERVICING, LLC lists in its description of the mortgage account statement the principal payment, interest adjustment and charge - short payment, for figures of {$4200.00} and {$260.00} and {$3900.00}. Where did OCWEN LOAN SERVICING, LLC specifically compute these figures from, how and when did they specifically originate? OCWEN continues to make widespread errors on my account and needs to remove these bogus charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with XXXX XXXX reporting on my credit file that I have requested validation of debt directly from XXXX and the three major credit reporting agencies. The bureaus just send back responses that the information is accurate and XXXX XXXX responds with nothing more than a generic letter indicating their records are accurate and if I want copies I would have to pay a fee. I am asking for true validation of this debt that would be a copy of the initial agreement with my signature indicating I am responsible. I should not have to pay for something to prove it belongs to me or someone else.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandated a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025 -- CFPB -- 0002 ) against them for similar violation. I request that the CFPB that action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with this agency. I have put them on notice multiple times that they are in violation of the privacy act. I need copies of the form SSA-89 with signature authorizing them to access the social security number and information. Not producing this form with authorized signature is aggrevated identity theft. The entity issued this tax identification number has only ONE NAME ( in proper form since your reporting for a living man individual and not a dead man or corporation ), ONE ADDRESS as listed on document attached. All other personal information is incorrect and needs to be removed at once. Your preventing the flow of commerce by incorrectly and causing harm by fraudulently reporting false information. There are multiple names and addresses attached to these fraudulent reports. This is causing much harm and injury to my person. I'm seeking remedy and removal of all items on report due to aggrevated identify theft and fraudulent reporting with no authorization to do so. Effective immediately
Product: Credit reporting or other personal consumer reports

LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, North Carolina, XXXX ( XXXX ) XXXX XXXX Trans Union LLC XXXX XXXX XXXX po box XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Effective Date : XXXX XXXX, XXXX To whom it may concern ; This Letter of Intent to Sue shall serve as a formal notice that I, XXXX XXXX, Affiant and BENEFICIARY intend to commence a lawsuit against you and your agency if you do not comply with the settlement demands set out in this letter. 

I recently received a copy of my ( XXXX, XXXX, and Trans Union ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX SERVICES ACCT # XXXX DATE OF LATE PAYMENT REPORTED XXXX XXXX, XXXX ( 60 DAYS ) XXXX ( 90 DAYS ) XXXX XXXX XXXX  SS ACCT # XXXX DATE OF LATE PAYMENT REPORTED XXXX. XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX DATE OF LATE PAYMENT REPORTED XXXX XXXX, XXXX 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.

I hereby under 5 USC 552a request a copy of the written instructions which I furnish these statements of account on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report : I demand the above accounts be corrected by way of deletion of the reported late payments from my consumer report and bring the current by reflecting accurately and positively, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which i shall also be seeking {$1000.00} per violation for in reference to the following matter ( s ) : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692 violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616 Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Checking or savings account

My complaint is in regards to Chase banking. I reported fraudulent transactions on my bank account for 3 transactions where someone accessed my account is some way, shape or form and zelled themselves 3 separate times totaling {$2200.00}. I reported this as soon as I logged in and noticed my account had went negative. I then logged into my account a couple of days ago and saw the transactions had been reversed back onto my account meaning they denied my claim but was not sent any reasonings for this denial or any letter about this denial which is unfair to me to not get any answers in regards to this. The day we noticed we changed my username, password and all account information that someone could have access to and also canceled my debit card. I need answers and need this fixed. I have never had this problem with my previous bank and switched to chase because my husband also had chase. I did not authorize these transactions and dont approve of the decision chase made in this case. It is not fair to me to be made to pay for someone elses decisions. I need this solved as soon as possible!
Product: Credit reporting or other personal consumer reports

Delete payments shown as Late immediately. I did not consent and its in violation of my rights. 

I have not supplied proof under the doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. 
Wells Fargo Home Mortgage WFHM At all credit agencies has been defaming my name and has ignored the all 21 disputes.

This account is in violation of all sections of 15 USC 1681 ( b ). The creditor seeks maximum compensation for all 21 violations as per 15USC 1681n. Remove all late that are in blatantly in error immediately.
Product: Debt collection

communicated with the company XX/XX/19 - XX/XX/19 - Sent in affidavit of proof that it was not be that opened the account with a police report. Since then the company has not sent an responding information. Macys - Fraud Investigation Department XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number ending in - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX USA ( XXXX ) XXXX ( This account is reporting paid off but this is not my account, I have never attend school here. ) I have never went and opened any account with this bank. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX The following I have never applied for. I Did not give any person or person of that company permission to run my credit. These inquiries are not mine. 

XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX XXXX, IA XXXX ( XXXX ) XXXX I also have filed a police report with XXXX Police department XXXX Report number is :XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from a lender due to " too many inquiries '' from Equifax. I was alerted by that, therefore i proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Equifax and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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: Student loan

I applied to the XXXX program for federal student loans on XX/XX/XXXX, prior to any available information about my loans being updated on the Nelnet website. It has been approved and confirmed, per XXXX Nelnet took well into XXXX to even reflect a balance, let alone a monthly payment. Finally, a monthly payment has been adjusted to reflect an over XXXX XXXX monthly payment. The XXXX application led me to believe a {$76.00} payment would be expected. I emailed Nelnet on XX/XX/XXXX, called XX/XX/XXXX with no answer, emailed on XX/XX/XXXX, and called 3 times on XX/XX/XXXX. I never had issues with my previous loan servicer, now my loans have been sold and I can't get ahold of a person. It's apparently disingenuous to think the largest debt-collecting agencies in the country would know how to... collect debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I mailed off my dispute for a few accounts on my Equifax credit report. The tracking number is : XXXX and Equifax received my dispute on XX/XX/2024. I have yet to receive anything about the results for my dispute reinvestigation.
Product: Credit reporting or other personal consumer reports

LexisNexis may have violated specific privacy laws and regulations by sharing your personal information without your consent. Here are some relevant laws that may apply : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates how consumer reporting agencies handle personal data. If LexisNexis failed to ensure the accuracy of your information or shared it without permissible purpose, it could be in violation.

Section 604 ( a ) : Specifies the limited purposes for which consumer reports may be shared, requiring explicit consent in most cases.

2. Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions and entities handling sensitive data to protect consumer information and provide notices about information-sharing practices. 
Privacy Rule ( 16 CFR Part 313 ) : Mandates disclosure and consent requirements for sharing personal data.

3. State Privacy Laws : Depending on your state, LexisNexis may have violated laws like the California Consumer Privacy Act ( CCPA ) or Arizonas Consumer Fraud Act if you reside in these states.

CCPA ( California ) : Gives consumers the right to know what information is collected, opt out of its sale, and request deletion.

4. Unauthorized Use and Consent : Tort Law ( Invasion of Privacy ) : Publishing false or private information without consent can constitute an invasion of privacy, including false light or public disclosure of private facts.
Product: Checking or savings account

On Thursday XX/XX/XXXX a business loan for XXXX was deposited into my account. I went on XX/XX/XXXX to get a cashiers check to move the funds to my actual business account when I was notified that my account was froze. When I called the same day I was told I would have to wait for them to conclude their investigation and Ill receive a letter in the mail. Nobody has been able to answer my questions. I called XX/XX/XXXX and was notified that the account is actually in the process on being closed. Im assuming the investigation is because of the amount deposited. I have all documents on the business loan but nobody has reached out to me to rectify the situation. Now I have XXXX that I dont even know when I will be able to access. Obviously I need the money ASAP or I wouldnt have applied for the loan. Now I cant access my account at all or any of my funds.
Product: Mortgage

Please be informed that my husband and I have been trying very hard to establish communication with our Home Mortgage Preservation Representative, XXXX XXXX XXXX, XXXX, of Wells Fargo Home Mortgage but it seems all our efforts were in vain. As of this writing, our mortgage has been referred to a collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in spite of our several attempts to send proof of timely payments to XXXX XXXX on our HAMP Trial Modification. He stands on his assumption that we missed payments on our mortgage. We sent him excerpts of our Bank Statement but these were ignored by XXXX XXXX. 

Below please find a summary of my communication/correspondence with Wells Fargo through XXXX XXXX XXXX, XXXX. 

Friday, XX/XX/XXXX HAMP Trial Modification Approved Wednesday, XX/XX/XXXX Hamp Trial Modification Approval Rescinded allegedly : missed payments Thursday, XX/XX/XXXX Replied Letter of Denial asking reason why Thursday, XX/XX/XXXX WFHM Preservation Specialist, replied allegedly making phone calls to us regarding late mortgage payments Thursday, XX/XX/XXXX replied Specialist 's email informing him that we are still in the XXXX and no phone calls registered on my cell phone Thursday, XX/XX/XXXX emailed Specialist with proof of payments and sent by our bank ( XXXX XXXX XXXX ) to WFHM Thursday,XX/XX/XXXXSpecialist emailed back for additional proof ( did n't state type of proof needed ) Tuesday, XX/XX/XXXX Letter, dated XX/XX/XXXX, from collection agency XXXX XXXX XXXX XXXX XXXX XXXX, collecting {$260000.00}, received on XX/XX/XXXX Wednesday, XX/XX/XXXX Received a letter from XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XXXX stating to help on our mortgage problems Sunday, XX/XX/XXXX sent two emails to XXXX XXXX re Bank Satement as proof of payment Thursday, XX/XX/XXXX sent another email Saturday, XX/XX/XXXX sent another email Thursday,XX/XX/XXXX mailed a letter to XXXX XXXX, Senior VP, XXXX XXXX XXXX  XXXX re : soliciting help I do n't understand why XXXX XXXX sent our case to a collection agency in spite of our efforts to settle the problem ( s ) with him, allegedly for missed payments. This very unethical for a Representative of one of the biggest Mortgage Servicer/Lender in the United States. We are so close of completing the Trial Modification. 

When he rescinded our HAMP Trial Modification on XX/XX/XXXX, or only after one week, on XX/XX/XXXX, he referred our case to a collection agency. 

This in injustice, I hope CFPB could help me. Thanks ...