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

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Debt collection

My family members have been receiving phone calls from a company referred to as NPS Group inquring about my whereabouts. When XXXX of my relatives attempted to retrieve additional information about the debt and the company they were representing, they hung up on her. They have attempted to call me as well, leaving threatening messages on my phone but I have no idea who they are or who they are supposedly attempting to collect a debt on behalf of as I have a recently discharged chapter XXXX bankruptcy and even prior to the filing bankruptcy, I was not receiving debt collection calls of any sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX****, XXXX XXXX XXXX ( Original Creditor : 10 XXXX   XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX**** and XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 I looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 result 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. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I called CMRE XX/XX/2020 in regarding to dispute the validity of the debt that isnt mine the representative by the name of XXXX was abusive and racially used the word gal as I corrected her to be professional she stated stop being a dramatic XXXX and gave me account number # XXXX and hung up the phone in my face after I said that they are violating the FCRA
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Reporting Violations by XXXX, XXXX, and Experian Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the three major credit reporting agenciesEquifax, XXXX, and XXXX ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite numerous certified letters I have sent, with verifiable tracking numbers as evidence, these agencies have failed to address or correct the inaccurate information they are reporting on my credit file. 

These actions directly violate 15 U.S.C. 1681b, which mandates that credit reporting agencies must only disclose consumer information for permissible purposes. Additionally, they contravene 15 U.S.C. 1681g and 1681i, which require agencies to provide accurate reporting and conduct proper investigations of disputes. By continuing to report inaccurate information, they have also failed to comply with 15 U.S.C. 1681e ( b ), which obligates them to maintain maximum possible accuracy.

I also invoke my rights under 15 U.S.C. 1681g ( commonly referred to as Section 609 ), which allows consumers to request detailed disclosures of the information on file and its sources. I have repeatedly requested these details to identify the root of the inaccuracies, but the agencies have either ignored these requests or failed to provide adequate responses.

The consequences of these violations have been severe and detrimental to my quality of life. Inaccurate reporting has caused significant financial discrepancies, leading to denials for credit and other essential services. This unjust reporting, done without my explicit consent, is a breach of both my rights as a consumer and the fundamental principles of the FCRA. 

I request that the CFPB intervene to : Investigate these ongoing violations by XXXX, XXXX, and Experian. 
Mandate that these agencies immediately address and correct the inaccuracies in my credit file. 
Impose any necessary penalties to ensure compliance with the FCRA and protect other consumers from similar harm. 
I am prepared to provide certified mail tracking numbers, receipts, and copies of my previous correspondence to substantiate my claims. Being that I am also a business owner, this situation has caused not only financial hardship but also emotional distress, as I am unable to secure basic approvals due to this unlawful behavior. 

Thank you for your attention to this matter. I look forward to your timely assistance in ensuring that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I transferred {$30000.00} from my wells fargo account to my XXXX account ( See attachment Part 1 ). 

On XXXX XXXX XXXXXXXX said that there was insufficient funds and the money would be returned, see Part 7 attachment ( However there was plenty of funds in the account so not sure what that was about. Later it was determined there was a internal error on the deposit per XXXX which they informed me of on XX/XX/ ( ticket # XXXX, see attachment Part 6 ) ). On my XXXX  account it showed a + {$30000.00} on XX/XX/XXXX, see part 2 attachment and then a - {$30000.00} on XX/XX/XXXX ( See part 3 attachment ) indicating they sent money back to wells fargo. 

The money never showed back up on my wells fargo account I filed dispute/complaints/went into the branch/spoke to several supervisors. On XX/XX/XXXX, wells fargo deposited {$30000.00} into my account and said case was resolved ( see part 4 attachment ). However all they did was take another {$30000.00} from my XXXX account and deposited into my wells fargo account via an unauthorized transaction ( Part 5 attachment ). The original {$30000.00} is still missing and on my XXXX  account I have two separate - {$30000.00} transactions from wells fargo ( Part 3 and 5 attachment ). 

Each bank blames the other and says I have to contact the other bank even though I contacted both banks multiple times. 

Please help as this is causing severe stress and hours and hours of my time.
Product: Debt collection

On XX/XX/21 Elite Financial Services , Inc called my ex-husband and discussed my debt with him based only off of his assurance that he was my spouse. 

This was not a debt he was connected to and I had not given the company permission to speak with him on my behalf.
Product: Payday loan, title loan, personal loan, or advance loan

I am getting harassing daily phone calls from Tower Loan a company I do not have any business with at all. I called them today asking them not to continue to harass me and some XXXX XXXX XXXX stated that he will in fact continue to call me daily looking for someone else that is not in my household.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not take out a credit card with XXXX XXXX nor have I lived in Indiana, this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit report from CIC - Contemporary Information Corporation. I received 2 postage due envelopes from this company. 1 ) Why should I be paying for my free report via postage due when they make money off harvesting and selling my data? They should apply proper postage and not use these stall techniques to discourage consumers. 2 ) one envelope contained my report. The second envelope that was addressed to me at my home address contained the reports of another individual who I do not know and lives in another state.And they wanted me to pay postage on his information too? Their quality control and protection of his and my private information was not secure. I called the company to tell them of this problem. They didnt say much. I had to run the phone call. They didnt seem to care or have any interest in the situation of sharing someone else 's information with me or my complaint that they sent postage due. I offered them the report number of the unknown person and my report number. CIC told me to send the report back to them. 3 ) Why would I need to pay to send it back to protect this man 's private data. I have the recording of the call into them to prove they offered no solutions other than me paying to send it back. This is totally unacceptable. I am going to attach the 2 envelopes sent to me, postage due and the 2 cover sheets of the reports. I refuse to upload the other consumers private data beyond the front page for his identification, follow up as wel as verifiable proof of this horrific error that occured.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and identified THREE ( 3 ) reported late payments on an account where I have consistently made on-time payments. Consumer Reporting Agencies hold a critical role in ensuring the accuracy of reported information and are obligated to maintain Maximum Accuracy under the Fair Credit Reporting Act ( FCRA ). 

For the account ( account name : XXXX and number : XXXX ), I firmly assert that I have never been late with any payment. I request an immediate investigation and demand verification through detailed account statements proving the alleged late payments. If such proof can not be provided, I demand that these payments be corrected to reflect their accurate status as on-time. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I noticed a collection placed on my credit report from Choice Recovery/XXXX XXXX XXXX ( now XXXX ). I sent several letters to their collection company, but they never replied to my letters. I was concerned that this was a potential identity theft related file since my identity was stolen multiple times over the years. I was able to finally confirm that was not the case. I have sent several emails to the Office Manager at XXXX XXXX XXXX XXXX but only received one response with a copy of a bill. I also copied several corporate office employees on my emails to her. They are ignoring my requests. I do not think the bill is accurate, since I had insurance and normally paid through my flexible spending account, any copays, deductibles etc. I called their collection agency today and was told that this account was closed and that they are not actively collecting since it is past the statute of limitations. He advised me to pay it if I wanted to. I let him know that I was disputing the amounts. He stated that he did not have any information to send me. I have several questions. If their collection agency has closed the account, they are not actively collecting and it is past the statute of limitations, then why is this still on my report? I am now questioning if XXXX has the correcting information on file as to when this account was delinquent and why is it still reporting. I also am concerned that their collection agency is familiar with my health information. I do not recall providing any authorization for their collection agency to have access to my health information ( per HIPPA ). This account needs to be resolved ASAP. I am trying to do research related to this, but XXXX, nor their collection agency are very helpful. I have offered to do a potential settlement on this since it is so old and I do not know how long it will take to research. XXXX has been nonresponsive. I need to get this resolved ASAP, as I need to get a medical procedure done and will need to get financing to get it done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Basically, I understand I must pay this but even by the hospital 's standards the room charge was high. I'd lagged so long on resolving this matter, life and personal reasons got in the way, that supposedly the hospital could do nothing to work with me on reducing the amount. That in itself sounds fishy to me, what hospital doesn't want payment. It seems as though they profit from sending it to collections. I called up the CMRE agency this account now pertains to and supposedly wouldn't negotiate with me about a reduction in total due if I were to pay it all off. Again, way to fishy. I'd just negotiated with another agency and got a 80 % reduction if I paid it all off that was {$7000.00}. I guess I'm flying blind on this whole matter but meanwhile keep calling.
Product: Debt collection

Today we received a call from a debt collector called IQ Data International. They were calling regarding a supposed debt for an apartment that we rented. The " debt collector '' refused to provide documentation of the debt by mail as requested. They stated that it was already mailed ( never received ) however could not provide a date it was sent on or what the documentation said. When I asked why it could not be sent by mail the person on the phone said " because your the one in collections not me I don't have to do anything that you ask ''. These things to me are unfair and illegal debt collection practices as a company can not refuse to provide documentation regarding a debt.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 i took out a loan for {$500.00}. To this date i paid {$840.00} and only {$15.00} went to the principle. I still owe {$480.00}. The APR is 469.1328. I didn't get a chance to view the Truth in lending disclosure until the loan processed and hit my account. I didn't know the interest rate until the loan hit my account.
Product: Mortgage

ever since XXXX mortgage sold our account to nationstar we 've been getting harrassed with written statements none stop. we went through bankruptcy XXXX last year in XXXX to be done with this but nationstar still harrasses us to this day. charging up insurance and other stuff to a non existent account. we 've had XXXX lawyers send them letters telling them to stop harrassing us but they twisted that into only verbal and not written. so now i ca n't contact them but they still harrass my family non stop with written statements.
Product: Debt collection

Hello, I have been having an issue with Equifax in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. XXXX XXXX XXXX Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.
Product: Checking or savings account

Wells Fargo took unauthorize funds from my account monthly and enrolled me in a service i did not authorize. The were ordered by the CFPB i a settlement agreement to repay thousands of customers for similar deceptive behaviors. I have called the mitigation departments at both Wells Fargo and XXXX XXXX -- the third party administrator of the settlement agreement -- And both have the same canned response " it is processing still sorry for the delay ''. This has been going on for months. Neither dept was kind, helpful or transparent. Rather they were dismissive, curt and arrogant. Clearly Wells Fargo and its staff, third party agent-XXXX XXXX  XXXX and WF 's own mitigation dept are not taking the terms of the settlement agreement seriously. Their cavelier and dismissive attitude is troubling. 

I wrote to the WF Board of Directors and the Executive offices of Wells Fargo as the Settlement Agreement order states in Section IV that the Board of Directors has ultimate, individual and group culpability, responsibility and fiscal accountability for timely management of the settlement terms. They provided a a form letter directing me back to their third party company XXXX XXXX XXXX ) for answers. this is the company I started asking questions of -- so I have gone full circle trying ton get a plausible, reliable and transparency response. 

Wells Fargo is egregiously out of compliance with the Settlement Agreement. The CFPB should be stepping in and enforcing the terms of the agreement now. The CFPB has received over XXXX complaints so far regarding Wells Fargo 's cavalier, complacent and negligence managing this settlement. They are demonstrating a belief that they are above court orders, The CFPB has the evidence of non-compliance and yet they are emulating the CFPB 's non action. Clearly Wells Fargo can not be trusted to self govern. Please hold the board accountable for replacing the monies taken from customers IN A TIMELY manner and required in the settlement order.
Product: Consumer Loan

I received a loan for XXXX in XXXX. I have paid XXXX two weeks in every month starting in XXXX XXXX. By now this loan should be paid off. XXXX now is charging excessively and the next payment they said is due to be taken out XXXX/XXXX/16. There number is XXXX XXXX. XXXX XXXX. My name is XXXX XXXX XXXX. They are operating name is different it is owned by XXXX