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

On the letter from XXXX XXXX XXXX XX/XX/2022 I have received a a response and on the front page it says XXXX XXXX XXXX and the back it's says XXXX XXXX and they credit XXXX XXXX said XXXX XXXX took the car to the body shop which was a lie because car has been repossessed and if it hasn't like XXXX XXXX XXXX is saying in the letter I received in XX/XX/XXXX it states that it has been repaired using the gap insurance from the XXXX XXXX down payment but how can you have did that if the vehicle wasn't reposed and it stated that I voluntarily signed a contract I will upload the contract and it's not my signature there was two contracts I disputed with Experian they removed one and kept the other this would make the photos that Im uploading valid the vin number has been assigned to a new state it's been declared a total loss which it stated in the letter so it should be upgraded to positive or removed I disputed the amount on the contract with Experian before for being XXXX and they removed one contract and updated the contract to the amount of XXXXalso from the previous dispute with XXXX XXXX on the contract the cfpb sent my complaint to the ftc and I also made an ftc report I will be uploading these documents removing one contract and updating it to another contract regarding 15 us code 1681s-2 responsibilities of furnishers if reporting information to consumer agencies without my consent it's illegal and on the letter credit acceptance sent to me on XX/XX/XXXX it says to settle a debt only if the vehicle did not get repossessed which they did so there saying there not going to remove it which is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Vehicle loan or lease

To whom this may concern, I've noticed fraudulent activity on my credit reports ( XXXX, XXXX XXXX XXXX ). What has been reported has led me to believe that I may be a victim of identity theft, as i did not approve/ authorize any information to be used in my name and social security for this fraudulent account. I am requesting that this fraudulent item be deleted from my credit report as soon as possible. A security freeze was placed on my credit which should have alerted me prior to my information being used toward this account. This fraudulent item is reporting inaccuracies which are negatively impacting my credit which is extremely disappointing. I have reported the theft of my identity to the Federal Trade Commission and would like this item to be removed from my credit report immediately. Please reviewed the enclose copy of the Federal Trade Commission affidavit regarding this fraudulent account. Thanks.
Product: Debt or credit management

This XXXX is for Capital One Auto Financing. This is a negative inquire on my credit report that needs to be removed. I did not authorize this to be on my credit report. There are XXXX negative inquires from Capital one Auto Financing. The dates of these inquires are XXXX XXXX, XXXX, and XXXX. I ask that you please take a look at this issue for this to be resolved off of my credit report. Please send Capital One Auto Financing a letter stating to them that these negative inquires do not belong to me, I am not responsible for these inquires, I do not have a Auto loan through them at all, and that the information needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 mandates a reasonable investigation of disputes. Furthermore, XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts that I have marked as inaccurate are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXwww.ftc.gov to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Equifax for their violations of the Fair Credit Reporting Act. 

On XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. I requested verification of the information being reported by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I questioned the accuracy of the information being reported as it doesnt match my records. My understanding of the FCRA is that any information that is not 100 % accurate must either be updated to reflect its accuracy, or promptly be removed from my credit report. I have spent more time than necessary to get Equifax to report the account information correctly. Both XXXX  and XXXX have completely removed these accounts from my credit reports because they were not able to verify the information. I know that these companies are different, but how can Equifax continue to verify inaccurate information?? At this point I am thinking of seeking legal assistance because what they are doing is not fair.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, w

ritten nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

Wells Fargo Home Mortgage offered responses to my enquiry. However, they did not answer or respond to my questions or resolved the issues. 

Payment Assistance Reviews- Wells Fargo have found the Payment Reviews Supposedly Accurate. However, they have yet to account for or Explain the {$36000.00} -Two Checks received for The Mortgage proving I was not in Foreclosure. Wells Fargo REFUSES to Issue Servicer Guidelines in confirmation with XXXX explaining why I am not eligible for a Modification. What are the Investor XXXX which substantiate Wells Fargo Claims that I am not eligible? Wells Fargo refuses to provide evidence? 

XXXX XXXX Wells Fargo XXXX that they will not adhere to the guidelines Set Forth because they must Adhere to the Servicer Guidelines. However, they refuse to provide The XXXX XXXX under XXXX. As a result, I have contacted the XXXX Department and The XXXX to retrieve a Copy of the Proposed Action Under Federal Law. 
I am attaching the proposed XXXX Letter I received from XXXX XXXX explaining and Highlighting the Proposed Said Actions and Solutions Wells Fargo Agreed to complete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/1973 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( XXXX ) with ( XXXX XXXX ) was deleted from my credit report. 
I have now realized that this same item was reinserted onto my credit report! 
In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) Is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such Notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA I demand that you immediately Delete this account from my credit report in order to avoid legal action. 

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

Experian has mailing address that are not mine credit opened up in XXXX XXXX not mine
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer ( XXXX XXXXXXXX XXXX XXXX ). Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about customer protection laws, and I request your assistance with this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a complaint and request your assistance regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax, one of the credit reporting agencies. 

On XX/XX/2023, I sent a written request to Equifax, via certified mail with tracking number XXXX, requesting method of verification for two accounts on my credit report, which are XXXX XXXX XXXX account ending in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 611 ( a ) ( 6 ) ( B ), Equifax is required to provide me with the method of verification within 15 days of receipt of my request. 

I have attached copies of the certified mail receipt, tracking information, and a copy of the original letter for your reference. These documents serve as evidence of Equifax 's receipt of my request on XXXX XXXX. 

However, despite the passage of the legally mandated time period, I have not received any response or method of verification from Equifax. In fact, I recently contacted Equifax regarding the status of my request, and they acknowledged receiving my letter. However, they stated that they will not conduct further investigation and that they are currently processing a dispute for the account in question. This statement is incorrect as all disputes related to that account have already been closed on Equifax 's website. 

It is clear that Equifax has failed to fulfill its obligations under the FCRA by not providing the required method of verification within the specified timeframe. This disregard for the law is concerning and has a significant impact on my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct an inaccurately reported late open account on my credit report and to remove a late closed account and public record. Despite my diligent efforts to rectify these errors, they persist on my credit report, causing significant harm to my financial standing and overall well-being. 

Below, I outline the specific details of the inaccuracies and the numerous attempts I have made to address them : I have diligently followed the established procedures outlined by the Fair Credit Reporting Act ( FCRA ) to dispute these inaccuracies. I have provided all necessary documentation to support my claims, and I have made multiple efforts to correct these errors. However, my previous attempts have been unsuccessful, and these inaccuracies continue to negatively impact my creditworthiness and financial opportunities. 

I kindly request that you conduct a thorough and comprehensive investigation into these matters. Specifically, I request the following actions : Promptly correct the late open account by updating it to accurately reflect my payment history. 
Remove the inaccurately reported late closed account and public record from my credit report. 
I am willing to cooperate fully and provide any additional information required to resolve these issues promptly. I expect a written response from your agency within 30 days of receiving this letter, as mandated by the FCRA, confirming the correction of the late open account and the removal of the late closed account and public record. I am asking for your assistance for correcting the late open account and removing the late closed and public record : XXXX  XXXX XXXX Balance Owed : {$390.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Debt collection

On XX/XX/2021 I was called by a female associate who worked for a company named Foster And Monroe. She started off the call by saying she was looking for XXXX XXXX and I asked if I could confirm my social. 

I asked her was she attempting to obtain " location information '' as outlined in 15 USC 1692b. She stated yes and that she needed to read a statement that stating that this was an attempt to collect a debt and any information obtained can be used for that. 

I asked her was she stating or implying that I owed a debt. She stated, " Yes ''. 

This is where one of a few federal violations began. Pursuant to 15 USC 1692b states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; Violation # 1. 

I told her that I didn't owe any allege debt nor did I have any obligation to pay an alleged debt. I asked her how did she get my phone number and location information. 

She stated her client provided the information to them. Again, I never gave written consent for Foster and Monroe to contact me. 

Violation # 2 Pursuant to 15 U.S. Code 1692c I let the caller know that she was calling me on my cell phone as I was going into a meeting. The time of the call on XXXX XXXX  phone number was very inconvenient. 

Violation # 3 Pursuant to 15 U.S. Code 1692c ( 1 ) It was at this time that informed her that she was breaking and continuing to break multiple federal laws. I once again restated that I have no obligation to pay an allege debt. Additionally, I told her I would invoke my right to refuse to pay this allege debt. 

She told me that she would write it down that I was refusing to pay and that I should stop getting loans that I can't pay for. 

This was an insult to me and deemed obscene and abusive which is another violation pursuant to 15 U.S. Code 1692d. 

There were a minimum of 4 known violations on this call. I am invoking my right to receive my specified remedy and compensation for each violation of {$1000.00} per violation pursuant to 15 USC 1692K. 

Thank You.
Product: Debt collection

The XXXX credit bureaus do not have my permission to report anything and I have the right to privacy
Product: Mortgage

On XX/XX/18 I received a call from Mrs. XXXX XXXX Chase to tell me that their response to my original complaint will stand and that they will not change their response. She stated that Chase policy prohibits holding payments even though that was precisely what XXXX XXXX did to me. She continued to accuse me of being " behind payments '', " not paying '', " fail to pay '' and more just as they have done in their response to CFPB. I reiterated that " Forbearance Program '' means that the customer will miss a certain amount of payments ( hence the name of the program ) and that these payments will be repaid at the back end loan, Mrs. XXXX and Chase seems to have a disdain for those who customers who enter the program and stop at nothing to harras, threaten, hold payments, write accusatory letters, and make phone calls just like the one on XX/XX/18.
Product: Mortgage

Today, XX/XX/2021 i sent the following email to Mr. XXXX XXXX, CEO for Fairway Mortgage Co. He dismissed my concern as if this is normal behavior from one of his employees. 

XXXX, Please review your mortgage loan officer, XXXX XXXX XXXX XXXX NMLS # XXXX ) comments to the client where he accuses me of offering something that is not reasonable and questions my integrity a few of his comments :. The Mortgage insurance is just like the rate, no way. 
With me, the numbers will be accurate, we will close you on time, you will have a much better experience I can not lose you to the bank on bad information Ive spent 27 years in this industry with an impeccable reputation. XXXX XXXX, XXXX XXXX, you and I spent time together so I believe you know my work ethic. 
I dont appreciate anyone attempting to undermine my integrity. For what its worth the taxes were unimproved last year explaining the increase, client is locked at 2.5 %. 
Im sorry XXXX feels frustrated he lost the client but frankly taking the high road is advised.
Product: Credit reporting or other personal consumer reports

XXXX XXXX billed me {$930.00} without providing an itemized breakdown and sent my account to collections ( MRS BPO LLC ) before issuing a final paper bill. I attempted to resolve overcharges related to duplicate insurance on a dual XXXX device over a period of two years. XXXX promised account credits that were later reversed without explanation. 

I could not access my account online despite repeated attempts and was told by XXXX that I would still have access post-disconnection. This was false. 

MRS BPO LLC began contacting me via text before I received the final paper bill, and the balance they claim is not fully validated. I have sent a debt validation request to MRS and a formal complaint to XXXX, but I believe both are engaging in unfair billing and debt collection practices. I am requesting the CFPB to investigate and intervene.