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

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Product: Student loan

We decided to file this complaint after reading several articles regarding a lawsuit filed against   XXXX   XXXX  /Navient. The complaints described in this suit sound very familiar to some of the experiences we have had. We unfortunately do not have specific dates and amounts, as we never expected an opportunity to file a complaint.Several years have passed since we have attempted to adjust our repayment. I set up an agreement with  XXXX   XXXX  in   XXXX   regarding my private loans that consists of a low monthly payment, but the loan remains in default and is negatively impacting my credit. Previous to this agreement I had spoken with the company several times to try to lower the $  XXXX  monthly payment with no success. Forbearance was the only option given to us until that ran out. By that time the payment was so high it surpassed our housing payment. My wife can specifically recall asking about income based repayment for this loan and was told that it was not an option. Something is just not right about us now owing {$56000.00} after already paying {$33000.00} when the original amount borrowed {$35000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX transferred my mortgage in XX/XX/XXXX. XXXX # XXXX I recently checked my credit report after my score dropped significantly for no apparent reason. 
My credit report shows that XXXX XXXX  reported a Late Payment to Transunion for a XX/XX/XXXX payment. 
I disputed this late payment on a closed account ( closed/transferred in XX/XX/XXXX ),  via Transunion and XXXX did not correct it. 
My lower credit score as a result of this incorrect late reporting on an account that has been closed for 5 years, is preventing me from qualifying for a new home. 

I am attempting this CFPB approach as a final attempt to get this corrected before I retain the services of an attorney to sue XXXX XXXX and to be made whole.
Product: Money transfer, virtual currency, or money service

This scam happened to me on XX/XX/2019 at XXXX. A XXXX year old named XXXX XXXX post pictures frequently on his XXXX  story If you wan na make money s/u ( slide up, which means to message him ). Or hed post XXXX Method with cash in the background. He posted the same question a couple of times but only this time I slid up. I asked him how. He responded with a list that he needed which was : Social Security, bank card number, back of the card number, and all of my other personal information. I wasnt going to give that up. A couple days more, I slid up on his story again and I asked about if there was another way to make money. He asked me if I had Chase Bank, I responded yes. He wanted to use XXXX-which Ive never used before till then- I asked whats the XXXX method. He said its a method that doubles the amount of money you send and we needed to transfer phone numbers. So we did. Then he claims that he has a special code that needs to go in the memo section. He sent the long code. Then he said to send him a dollar. We were on the phone a couple of times through the process. XXXX even asked me how much I had on my account but he was saying to do it and trust him because he has insurance. He asked where I lived and where I work. He made me believe he was trying to get to know me ( because Im a XXXX  ). After a few minutes, I sent him a dollar. A couple minutes later {$16.00} ( bait ) transferred in my account. That was the bargain. That made me believe it actually works. After that, he said to send {$310.00}. I did. He said to wait for about an hour. He said he got the money, but i told him on my end it didnt go through. He said to wait longer. Then he said its bc the codes werent working. So he sent a different code. Then XXXX said send another XXXX so it would work. I agreed. After that I was scared because I didnt know if itd actually work. A few hours later he wasnt responding. I texted him that I didnt see anything in my account still. He tried to convince me again to send ANOTHER {$310.00}. I refused bc it was too much. So i asked if itd work with {$10.00}. He said yes. And after that. He didnt respond. The next day came and Im still thinking about my money. I spammed him asking where is my money and to send it back. I called him too. Eventually he blocked my number, XXXX, and even XXXX  ( except for my side accounts. ) I lost {$630.00} in total. I texted him. Ill send the screen shots. Later on, his name was searched online and he was charged 2 times for theft and XXXX. The same day, I called the number from the back of my bank card. To some it up, there was nothing they could do. A couple days later I walked in Chase Bank and told them my situation. There was nothing they could do about it. Under so much stress about MY HARD earned money, I balled my eyes out. I was so close to finally purchasing my own car. He caused emotional distress and it was hard focusing in school. Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear EXPERIAN, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 
Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE, XXXX Please delete the following invalid telephone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. EXPERIAN has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 
Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

Was called around the beginning of XX/XX/XXXX about said I owed a debt to XXXX XXXX XXXX XXXX. Asked for verification of said debt received a letter around XX/XX/XXXX asking for ssn # and an account number to said debt. I dont have this account number and do not feel comfortable giving out my ssn # due to recent fraud that was on my credit report. The amount of the Debt was for XXXX.
Product: Credit reporting or other personal consumer reports

I Have recently been disputing incorrect information reporting on all 3 credit bureaus reports. I have sent in multiple letters and complaints asking for some form of proof, as the bureaus keep adding/failing to remove these items and it is effecting my ability to get funding. Not only have they made no action towards the disputed items, but they have failed to provide me with any proof of how they were able to verify this info.
Product: Mortgage

I am requesting inclusion in the Wells Fargo settlement as a result of the CFPB complaint. I was a mortgage customer who was unfairly turned down when I requested a modification to the loan to avoid foreclosure. 

The loan was initiated on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. Approximately one year later Wells Fargo took over the ownership and management of the loan. The property address is XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NY XXXX. 

Due to a reduction in household income as a result of my retirement and a divorce, I found it necessary to request a modification of the loan in XXXX. Although repeatedly assured that I qualified for one of their modification programs, I was repeatedly denied a modification, from XXXX through XXXX. During that span I was frequently encouraged by the bank to reapply for a modification and then denied. The property went into foreclosure and was sold. 

Had I been told, when I first requested a modification in XXXX, that I did not qualify for any modification program, I could have taken alternative actions to avoid foreclosure and bankruptcy. 

Wells Fargo claimed that the type of mortgage I had could not be modified, and used that as the reason for denying the modification. Despite that denial I was encouraged to reapply for a modification. During my bankruptcy hearing it was proven that the mortgage I had could be modified if Wells Fargo chose to do so. Wells Fargo did not deny this judicial conclusion. 

I have previously filed a complaint with CFPB for this same issue.
Product: Money transfer, virtual currency, or money service

As of the beginning I have been filing dispute charges on these unauthorized charges and I repeatedly tell them that I was not making them that I was in XXXX  during these transactions so how can I be in XXXX  and be taking out money out of my own truck they had no explanation of course but my claim got denied okay I let that go then another transaction so I guess someone gets a hold of my phone but I didn't approve it and then that distributes tonight so then finally the third one I wake up one morning getting charged by some company that I don't even have no idea where it comes from so I disputed again and I get another denied so I don't understand how these companies can protect me from my money when it's being taken for me and not even wanting to replace it I just don't know what to do
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX XX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CFPB, Equifax is reporting an account XXXX XXXX ending in XXXX past its legal statute of limitations. The account had a date of first delinquency of XX/XX/XXXX up until XX/XX/XXXX. In XX/XX/XXXX the account was removed and reinserted on my file with a different date of first delinquency of XX/XX/XXXX. Therefore prolonging the reporting of the account by an additionaXXXX XXXX months. The date of first delinquency is set in Stone can not be changed. The account is over XXXX XXXX XXXX past its first delinquency. I have attached documentation of how it was reporting and how it is reporting now.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, I hereby demand an investigation into these disputed items and their removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that the creditor fails to verify should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 
Please send an updated copy of my credit report to the address provided above. According to the law, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has accessed my credit report in the past six months of any necessary corrections. 
Thank you for your attention and assistance in addressing this matter 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Balance {$3600.00} Date Opened XX/XX/XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I FAXED LEXIS NEXIS ON XXXX WITH A POLICE REPORT AND FTC THEFT REPORT.AND TRIED TO WARN THEM IN MY DISPUTE LETTERS 3 MONTHS AGO THAT THEY MUST HAVE A MIX FILE WITH MY NAME.I ALSO SENT THEM MY SS & ID WITH MY LEGAL NAME ON BOTH
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report t
o be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan is on a forbearance plan for the months indicated for late Never been late, they put me on a FEMA plan forbearance.
Then have been reporting me late for 7 months straight.
I 've given the credit reporting the forbearance plan the lender has not cleared this for the 7th month in a row. Called again today XX/XX/XXXX could take another 60 days. They can expedite this is their error we have to pay for there error. I can not apply for credit with this on my report and I have business that needs to be done Please include all recordings as proof with select portfolio servicing
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus : XXXX, XXXX & Equifax are inaccurately reporting late payments on my credit report for XXXX XXXX in XX/XX/2014. I have never been late on this account.
Product: Credit reporting or other personal consumer reports

I did not authorize the following companies to run my credit : XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It is official oppression to deny Man his own inheritance that which he has unlimited rights at any given time. If a trustee infringes on his rights and puts up barriers to prevent that Man enjoying the benefits of life then that trustee is committing Trust Fraud, Banking Fraud and are falsifying information which could cause damage, loss and harm to the Sole Beneficiary/General Executor. If the trustee hides or conceals information from that Man who is the Sole Beneficiary/General Executor over his estate then that trustee has engaged in Trust Fraud , Banking Fraud , Securities Fraud and for falsifying information. This applies also to providing the beneficiary with full disclosure of all transactions pursuant to 15 United States Code 1601 ( a ) informed use of credit. Its a crime to have me come out of my pocket to purchase something when my indemnity insurance card and security instruments invested in the transaction paid for my XXXX XXXX XXXX and theres no evidence provided which proves me wrong. I operate in honor and are not attempting to get out of paying for the goods which I invested into. Anything which I purchase, I am required an itemized receipt which shows me that my item was paid for and that I should get returns on my investment. It is discrimination and defamation for employees at loan companies, all financial institutions advertising to provide loans, auto dealerships, etc. whos regulated under and by federal deposit insurance corporation to use non affiliated third parties to dictate if theyre going to do business with those same Men and Women whom if they did not exist then companies can not make earn income.
Product: Credit card

I've always paid on time for this account, so seeing an inaccurate late payment record is giving me a great deal of concern. I have never wavered in my dedication to making payments on schedule. This miscalculation has had a huge influence on my mental health, hurting my sleep and peace of mind. I humbly request that my account be corrected immediately, and I hope you realize the severity of the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$10000.00} XXXX XXXX {$100.00} {$21000.00} XXXX XXXXXXXX XXXX {$11000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX, IA XXXX XXXXSubject : Opting Out of Credit Reporting and Violations of the Fair Credit Reporting Act and the Privacy Act of 1974** **Account : XXXX XXXX** To whom it may concern, I am writing to formally opt out of any credit reporting on my consumer credit reports and to address violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974 ( 5 USC 552a ).

As a federally protected consumer, I assert my right to privacy as outlined in the FCRA, 15 USC 1681a, and invoke my right to opt out of any reporting on my credit reports. Reporting my transaction history without my explicit consent is illegal and violates my rights under the FCRA.

According to 15 USC 1681b, I have never given written authorization to report personal information on my credit reports. Furthermore, P.L. 90-321 ( 82 Stat. 146 ) specifies that any agency can only access my report in response to a request by the head of a state or local child support enforcement agency.

In addition, 15 USC 1681c states that no consumer reporting agency may make any consumer report containing adverse items of information other than records of convictions of crimes older than seven years. Any derogatory mark on my report is a violation of this section.

According to 15 USC 1681n, civil liability for willful noncompliance allows for damages of not less than {$100.00} and not more than {$1000.00} per violation. I can prove willful violations and am entitled to compensation. 
The Privacy Act of 1974 ( 5 USC 552a ), subsection ( b ), states that no agency shall disclose any record without prior written consent. I have never authorized such disclosures.

Per 12 CFR 1016.1 ( Regulation P ), I have the right to opt out of disclosures to nonaffiliated third parties. Companies must provide a privacy notice and comply with opt-out requests promptly, as per 12 CFR 1016.4 and 1016.7. I have not been given the opportunity to opt out of any reporting. Additionally, 15 USC 6802 requires opt-out notices for any information added to my consumer reports.

Given these violations, I request the removal and deletion of the XXXX XXXX account reporting on my credit reports. This is an opt-out notice and removal request, not a validation or verification of debt. 
Thank you for your prompt attention to this matter.