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

Equifax XX/XX/23 This letter is in response to your claim XXXX XXXX has verified that the account that they are reporting is accurate. Please be advised that I have sent in a letter requesting a method of verification. XXXX has not responded. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

i RECENTLY BECAME AWARE OF UNATHORIZED FRADULENT ACCOUNTS. WITH NO PROOF OF ORIGINAL LENDERS OR SIGNED CONTRACTS. FEDERAL BROKEN LAWS OF 15 US 1681 " PERMISSIBLE PURPOSE '' PERSONAL INFORMATION USED WITHOUT CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts below have violated my rights. 
XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give written consent for theses accounts to be on my report THE ABOVE ACCOUNTS HAVE violated my rights. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by including transactions and experiences by including late payment and utilization. 
Because of the violation i would like the about accounts in violation of the fcra to be deleted from my report. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated. Thank you. 
XXXX XXXX XXXXXXXX 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 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
Product: Credit card or prepaid card

I have two cards with Comenity Bank. I haven't been able to log onto their websites to pay my bill for over 2 weeks. I have tried using the automated voice system to make payments as per Comenity 's instructions and that method doesn't work either. What's worse is Comenity has ghosted millions of customers and they will not provide answers to what is going on. I'm fearful that they have been hacked and that the personal information of millions of customers including back account information has been hacked.
Product: Mortgage

Last month ( XX/XX/XXXX ) I decided to begin the process to refinance my home loan to decrease my interest rate form 8.25 % to a lower rate and to a lower mortgage payment. I do not want a cash out refinance. However, I was told by my current lender, Click to Close out of XXXX, TX, that I would have to repay the $ XXXX first time homebuyer down payment assistance grant that my first lender provided to me. 

No where in the Second Lien Disclosure document, in my closing documents package ( p. 44-46 ), does it state that I would have to repay the grant if I refinance my home loan to obtain a lower interest rate to better afford my mortgage. Learning this last week was not only confusing but extremely discouraging and distressing as I am trying to better afford my mortgage. I was advised that to refinance my home I would have to first payoff the $ XXXX XXXX, or surrender the equity in the home to repay the grant that the first lender, CMG Financial, out of California provided to me. CMG Financial did not disclose this to me, and now I am stuck in a high interest rate without the option to lower the rate without giving away most of the equity in the home in addition to the costs and fees associated with paying to refinance the home. 

Due to the horrible mishandling of my home loan by the original lender, XXXX XXXX, I had to find a new lender in order not to lose the home that I worked hard to find and I was closing on. I was grateful for the work that CMG Financial did to get me a home loan. However, I believe that there has been a misrepresentation of the terms of the down payment assistance grant and unfair lending practices involved here.

I'm at a cross roads that could put be behind financially if I refinance my home, making buying the home a waste of time and money while increasing my debt and taking the equity that I have worked hard and sacrificed for to build up in the home that I purchased in XXXX on my own.
Product: Vehicle loan or lease

I contacted Ally Financial on XX/XX/XXXX once I realized getting the full payment of {$1100.00} in prior to the 30day was going to be difficult. After going through all the necessary steps with Ally, I was advised by the rep that I was approved for a deferral and my payment will be extended. I had 10 days from XX/XX/XXXX to make a payment of {$710.00} to finalize the extension. I made this payment on XXXX within the 10days. At no point was I advised that a late payment submission to the credit bureau will still be made if paid after the 30days from XX/XX/XXXX. Again, it was stated my payment was extended. If the payment still needed to be submitted prior to end month, then this should have been made clear to me at the time of the deferral call. I would have tried everything to get that {$710.00} in prior to XX/XX/XXXX. Even in the agreement document with Ally, this information is not clearly provided. My credit score has been grossly impacted negatively. Clear information regarding payment to avoid credit hit should have been apart of the deferral conversation and agreement. Advising a customer the payment is extended and still submitting a late payment to their credit report is counterintuitive. Being head of household mother of XXXX children this has a major negative impact.
Product: Debt collection

I have written Caine and Weiner about a collection on my report asking them to verify this debt as mine. They have not sent back any proper paperwork showing this is mine. They sent a bill, which anyone can make up a bill and send.
Product: Checking or savings account

First I was scammed out of {$910.00} XX/XX/year> I put in settlement paperwork no response then every cashapp created afterwards I was told I violated terms of service without explanation
Product: Checking or savings account

Wells Fargo XXXX XXXX XXXX XXXX for XXXX XXXX Wells Fargo XXXX # XXXX XXXX XXXX Wells Fargo issued check to XXXX XXXX for {$3500.00} compensation for add on products and services that were sold to him as elderly person XXXX XXXX is deceased XXXX, XXXX, XXXX This check was forwarded to us by current resident of Warrens house and we received late XXXX XXXX XXXX, XXXX Contacted Wells Fargo XXXX XXXX number listed in letter to request check issued to XXXX XXXX ( Power of Attorney for both of his parents ) XXXX XXXX, XXXX Wells Fargo send email telling us information that was needed for check reissue request XXXX XXXX, XXXX Submitted this information to Wells Fargo received confirmation # XXXX XX/XX/XXXX Contacted Wells Fargo XXXX XXXX because they sent XXXX a XXXX for Interest Income ( even after being informed he was deceased and a new check needed to be XXXX was sent to his wrong old address we again updated the correct address to make sure it was correct to send the check They said we would be receiving check within XXXX weeks XXXX XXXX, XXXX Contacted Wells Fargo Customer Care because we had not received check They said they had sent email asking for more documentation. They typed in our email address incorrectly and we didnt receive email. Told us information they needed XXXX XXXX, XXXX Sent Wells Fargo documentation they requested see copy of email XX/XX/XXXX Still no check so contacted Wells Fargo Customer Care. They said they had received documentation we sent XXXX XXXX and were processing it. We should receive a check within 20 30 days. 

XX/XX/XXXX Still no check. Contacted Wells Fargo Customer Care. They said they received supporting documentation to complete check reissue on XX/XX/XXXX and we should receive check within XXXX days. Since we did not send any additional documentation for them to receive on XX/XX/XXXX makes us suspicious. They seem to be saying repeating the same answer each time we call to follow up on why we havent received a check.
Product: Checking or savings account

Some person wrote a fraudulent check on my checking account and the bank cashed it then called me to tell me they cashed it.Sounds funny to me why didn't they call me to ask if I had signed a blank check.The check is a computer generated check it has my account number and a signature that closely resembles my signature but not exact.My XXXX  is different and the XXXX in my middle name of XXXX isn't leaned forward like I do mine and the XXXX  at the end of my last name is an open XXXX and I sign with a closed XXXXThe amount is a large amount.I asked the woman at the bank to restore the money and she essentially gave me a run around.I don't know how in the world a person got my account number but I want to see if I can get my money back but don't know where to start.Someone said to contact you all and see what you say to do.ANy advice will be appreciated.
Product: Credit reporting or other personal consumer reports

I was contacted by XXXX XXXX about an account that they purchased from XXXX XXXX. I did not open this XXXX XXXX credit card and have no knowledge of it or the charges shown. I disputed it on XXXX XXXX when I first noticed it. They did not agree with the dispute. I did not pay it. XXXX bought the debt. I started working at a company where I need a federal license and it is damaging my credit score so I was told by an attorney to agree to make payments to clear it since it was less than {$500.00} to do so. I made a payment arrangement and they pulled the first installment on XX/XX/21. I agreed to payments every two weeks thereafter until paid in full by XXXX. Another attorney got involved to resolve two other incidents with an identity theft claim and I was told to call XXXX and cancel the payment plan. I did so last Thursday. They would not provide a confirmation number or email confirming that the original plan was put in place nor that the cancellation was put into effect but I was assured they would not pull further payments. This morning, I found that they hit my bank account for {$100.00} again. I contacted the bank who advised that they showed a payment plan set for the future payments as well. I have to go to the bank to pay {$30.00} to put a stop payment on the company so they do not continue to pull unauthorized payments. The original XXXX XXXX card is being investigated by my attorney at this time as well. I would like to request that this be removed from my credit report as it is damaging and is not my debt to begin with. Thank you for your time. I will be reporting a second issue with my credit report under separate cover.
Product: Money transfer, virtual currency, or money service

I want to be able to transfer money from my PNC account to my XXXX account, and PNC will not let me link my account.
Product: Debt collection

Collection Receivables has violated several of my consumer rights. Collection Receivables has ruined my XXXX, XXXX and has XXXX me by calling to my employer several times in attempt to collect a debt that I do not owe. I have labeled several exhibits showing the consumer laws that Collection Receivables have violated attached to this statement. I have never signed a contract or agreement with Collection Receivables. Collection Receivables has caused XXXX XXXX for my wife and I. Collection Receivables has ruined my XXXX  at my current job. On XX/XX/2021 I mailed a copy of the attached documents to Collection Receivables showing the consumer XXXX found in their attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, in response to a goodwill requests, my rights were violated. 

15 U.S.C 1681 Section 602 A states I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous requests to have my maiden name, XXXX removed entirely, it's still showing on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on the automated system for my XX/XX/XXXX payment on the XXXX of the month in the scheduled amount of {$1800.00} I usually make my payments online via the website but on this occasion the online system would not accept my payment for an unknown reason. The payment was processed and on XX/XX/2018 the payment was rejected. I inquired with my bank and the mortgage company regarding why the payment was rejected. The mortgage company said the payment was returned for non sufficient funds. My bank told me that the payment was processed under a name other than my own, so my bank rejected the payment because of possible fraud. So in the meantime, the XX/XX/XXXX payment was delinquent and reported on my credit report as a more than 30 day late payment. I filed a dispute with my mortgage company on XX/XX/2018 regarding the payment being processed under a name other than the name on my bank account and explained to them that I have been using the same bank account information for at least the last 12 months with no problem. I provided documentation from my financial institution the reason the payment was rejected, which was not do to insufficient funds but was rejected do to facts stated above. I believe the problem was that the mortgage company automated system does not ask for a name to process the payment under. It only ask for the bank account information excluding a name, and the amount to be processed. The mortgage company did not agree that there was an error or their part despite the letter of explanation proving that I was not at fault and the documents given from my financial institution explaining why the payment was rejected. I requested that the mortgage company reverse the reported late payment from the credit bureau due to the facts above and they denied my request. Do to this incident I have been negatively impacted. My credit score has been negatively affected. I was unable to refinance my home and I have been labeled as high risk for any future borrowing options.
Product: Vehicle loan or lease

Huntington Bank - Wrongful repossession under the following regulations UDAAP, Reg B, FDCPA, FCRA, Reg E, and " CARES act ''. There was a Discriminatory act and a Breach of Peace to the second degree. During the global pandemic XXXX XXXX XXXX life was impacted by Covid - XXXX. The Dodd Frank Act makes it very clear that it is unlawful for any covered person or service provider to engaged in an abusive act or practice. Huntington Bank did not give XXXX XXXX XXXX the deferments for her loan under the Cares Act. The unfair treatment was intentional and her rights were violated. This unfair debt collection practice caused XXXX XXXX XXXX harm which contributed to substantial injury. As a direct result of the wrongful conversion of the automobile, and because of the manner in which it was taken, XXXX XXXX XXXX has been caused to suffer embarrassment and humiliation in the community, and XXXX XXXX XXXX has been held up to public ridicule. Huntington Bank action in taking and converting XXXX XXXX XXXX automobile was willful and intentional, and malicious and with the intent to oppress and harass XXXX XXXX XXXX. As a direct result of the conversion of the automobile by Huntington Bank, XXXX XXXX XXXX credit has been impaired, and XXXX XXXX XXXX XXXX has been damaged.
Product: Credit reporting

I have credit issues that are on my credit reports that are over 7 years old and they are not being removed. please help me get these ones removed off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the collection company and they will not talk to me because my name/address doesn't match their records. 

I also called the XXXX who was listed as the original creditor per my repot and they also confirmed I still have an active account with them and they have never reported me to collections. 
I called XXXX, XXXX and XXXX and found out that this collection company is the one who reported the address and the name to my credit report. 
I am now filling this complaint, how can this collection company file something on my credit report that is not me. It's not my name, not my address, it's not my bill. 
they wont even talk to me because the collection is not mine, but they are still reporting it on my credit report.
Product: Debt collection

I have an account placed with XXXX XXXX XXXX. I have had a payment plan set up with automatic payments ( {$180.00} ) deducted from my account on the XXXX if every month. Midland has all of the sudden  stopped deducting the payments- this is the 2nd time they have done this, resulting for my account to reflect late or negative payments and accrued interest. I have never requested them to stop payments nor have I changed anything such as my checking acct number where the payments were being deducted from. I was also never given the right to dispute this. I have been diligently working on repairing my credit and this is an unfair practice that brings my score down.