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

I sent a letter on XX/XX/2022 to the 3 Credit Bureaus to remove these erroneous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX and this Fraudulent Accounts : XXXXXXXX XXXX XXXXXXXX BALANCE : {$0.00}, XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.
Product: Credit reporting or other personal consumer reports

This letter is because I was just notified of an account added to my consumer report that I did not apply for nor recognize this account. 1. ( XXXX XXXX XXXX : XXXX ) or webbank/paypal. This account id fraudulent and I ask to be removed immediately. 
Pursuant to XXXX XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to XXXX XXXX XXXX XXXX XXXX company has also NO permission to report ANYTHING using my info pursuant to XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX  XXXX XXXX Balance Owed : {$4000.00} XXXX  XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX Balance Owed : {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX ,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ,XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ,XXXX  XXXX XXXX FL XXXX. these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep Your Home California assisted us during a recent period of unemployment by paying our mortgage to Seterus. Keep Your Home requested paperwork that they later did not need that resulted in a delay in processing the mortgage payment to Seterus. We explained, in advance, the circumstance to Seterus in an effort to have them excuse the late payment. They adamantly refused to cooperate and were extremely unaccommodating of our request despite our never having been late on any prior payments, not even once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is constantly reporting that we have a delinquint account 60 days old. We have not had any dealings with this company since XX/XX/XXXX. We purchased the car in XX/XX/XXXX and had problems from day one, The vehicle cut off on me in the middle of the road and I had it towd back from XXXX to XXXX. I informed them ogf the problerm and asked them to come and get the car and make the proper repairs. They would not and we informed them we were voluntarily returning it. They reported it as an involuntary Repo. The account is 7years and 9 months old. It should have came off our account this month from Experian. TransUnion has already removed it from our account 3 days ago, as well as XXXX. We want this removed from our report, since this account has been reported as closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After XXXX XXXX submitted an improper code to the three credit bureaus that indicated my mortgage loan was in a current loan modification status, causing severe and detrimental decreases to my credit scores, they updated late payments from XXXX, XXXX, XXXX that EQUIFAX, XXXX AND XXXX, further decreased my scores. Why the XXXX would these reporting agencies not know that if I had late payments back in XXXX, XXXX, XXXX that they would have already been accounted for in my credit score back when they were late? Instead EQUIFAX and XXXX decreased my scores in XX/XX/XXXX for late payments back in XXXX, XXXX, XXXX. 

I have included a letter from XXXX XXXX  that plainly shows that when they updated the information to try to fix the mess they made when they submitted a code to update a remark, these are not newly added late payments yet Equifax score dropped back down to 690 and XXXX took additional 21 points or so from me. XXXX showed Current/Never late and they took their opportunity to add these XXXX, XXXX, XXXX late payments onto my account. XXXX is a XXXX company that has done everything in their power to destroy what I have worked so hard to build.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is being negatively impacted by this reporting that I do not recognize. I was notified few years ago my XXXX for an unpaid electricity bill. The account belonged to my ex-wife and the problem was resolved long ago. It appears that she never took care of it and the company is harmfully harassing me. 

I called the collection company and informed them that this information is wrong and harmful. They never cared about what I said and the report is damaging my credit. I work too hard to be harmed this way. 

This information needs to be completely removed and my credit repaid immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021
Product: Mortgage

I have been working with my lender Wells Fargo regarding loss mitigation options. I have provided all supporting documents and now the day before the sale they are asking for additional information in which I did send in right away however they are saying the sale for tomorrow has not yet been postponed because there may not be enough time. I strongly feel my rights are being violated and that I may lose my home although I have done everything on my part to follow up and send in information requested.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  : Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian many disputes and have included MY DRIVER LICENSE and copy of MY SOCIAL SECURITY CARD several times to validate my identity. Yet Experian is saying that It is not me who is disputing these accounts affecting my credit. Do they need a DNA test to proof its me? In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. If the information requested can not be verified, remove this accounts from my report immediately.

1- XXXX XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX 2- XXXX XXXX - Reported XX/XX/XXXX 3- XXXX XXXX XXXX  XXXX Reported XX/XX/XXXX 4- XXXX XXXX  XXXX - Reported XX/XX/XXXX 5- XXXX XXXX - Reported XX/XX/XXXX XXXX- US Dept of Edu - Reported XX/XX/XXXX 7- XXXX/XXXX- Reported XX/XX/XXXX
Product: Debt collection

This is a rebuttal to the closed case XXXX : The response is unsatisfactory and does not address the following : I provided documentation showing payments were withdrawn from my account on XX/XX/20 and XX/XX/20. Where were those funds applied to? There was no way BSI would have let me go without making payments 2 months in a row. I AM ATTACHING ONCE AGAIN MY PAYMENT HISTORY. TO INCLUDE WHAT IS ON THE WEB PORTAL AND MY FINANCIAL INSTITUTION. 

I have talked with customer service with no unusual wait time. In my complaint I addressed the fact that the Loss Mitigator, XXXX XXXX, does not answer the phone, return calls, or answers emails period. He is assigned to my case and it is no excuse. I was specifically told by the last Complaint Specialist answering the complaint that XXXX is suppose to talk to me. He in fact is very rude and nasty. In addition, he provided a plan by investors designed to take my home. In fact it is more than the mortgage is worth. 

In addition, I have asked customer service for a manager and they are refusing to transfer me to the manager XXXX XXXX. This is not customer friendly. Consumers have a right to speak the manager. They are not transferring customers and intercepting in the call.

There are so many complaints on the consumer affairs website on the same issues I am not the only one. I WANT TO BE TRANSFERRED TO ANOTHER LOSS MITIGATOR. I WANT TO TALK TO A MANAGER PERIOD!!! 

Third on the reversal, it is important to notify a customer when you make any changes to someones account. THERE SHOULD HAVE BEEN SOMETHING WRITTEN. NO ONLINE WHERE IT STATES REVERSAL. I should not have to complain to get a response ON THIS MATTER. THIS IS ILLEGAL. JUST MAKING CHANGES TO SOMEONES ACCOUNT WITHOUT NOTIFICATION IS WRONG FLAT OUT!!! 


Finally, I have no loan documents. I never have from this company. I have asked many years ago to provide me loan documentation. You have not done that. I WANT DOCUMENTATION ON THIS LOAN WHEN IT WAS TRANSFERRED TO YOU!! IMMEDIATELY!!! THIS IS ILLEGAL. 

This company has predatory lending habits. I have forwarded my complaints to the Attorney General to investigate this place. 

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, they have violated my rights 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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

in accordance with the Fair Credit Reporting act, XXXX, Transunion and XXXX has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 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. ftc report XXXX
Product: Checking or savings account

I have direct deposit set up with Capital One Bank and my bi-weekly paycheck is deposited into my checking account. However, on XX/XX/year>, when I was expecting to receive my pay there was no deposit in my account. I checked with my employer, and there were no issues on their end. I then received an email from Capital One Bank on XX/XX/year> at XXXX advising that they are " experiencing a disruption impacting the processing of some deposits, payments, and transfers ''. I have called the bank several times and no representatives are available to provide me with any information regarding this major issue.
Product: Debt collection

I am writing to dispute the account listed on my credit report as XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is it possible that Experian can claim to verify this alleged debt when the Collection Agency itself can not. 

Under the laws of the FDCPA, on XX/XX/XXXX I contacted the collection agency directly myself and they did not even reply to my inquiry. I have been unable to receive any communication from them to verify that this is indeed my debt. 

On XX/XX/XXXX I filed a Consumer Protection case with the CFPB disputing the erroneous file on my credit with XXXX XXXX XXXX. XXXX XXXXXXXX XXXX again did not even respond to the CFPB claim. Claim # XXXX I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. It has now been approximately 4 months since my first inquiry, with no validation/proof that this debt is mine from either the Collection Agency or the Credit Bureau. There is a clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action. 

If you continue to list the disputed item on my credit report I will find it necessary to sue Experian for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely
Product: Debt collection

I am writing to formally lodge a complaint against National Credit Syst, located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. This company has engaged in practices that are in direct violation of federal laws, specifically those related to abusive debt collection behavior, inaccurate reporting to credit reporting agencies ( CRAs ), and failure to send required notifications via mail. 

National Credit Syst has engaged in conduct that clearly violates the Fair Debt Collection Practices Act ( FDCPA ), as codified in Title 15 of the United States Code, Section 1692d. This law explicitly prohibits any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. The company 's abusive behavior is a clear infringement of this law. 

Furthermore, the company has violated the Fair Credit Reporting Act ( FCRA ), as codified in Title 15 of the United States Code, Section 1681i. This law mandates that if a consumer disputes the completeness or accuracy of any item of information contained in their file at a consumer reporting agency, the agency must 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. National Credit Syst has reported inaccurate information to CRAs and has failed to correct it upon dispute, which is a direct violation of the FCRA.

In addition, National Credit Syst has failed to comply with Section 1692g of the FDCPA, which requires a debt collector to send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, and a statement that unless the consumer disputes the validity of the debt within thirty days after receipt of the notice, the debt will be assumed to be valid by the debt collector. The company 's failure to send such a notice is a clear violation of the FDCPA. 

I am demanding that the CFPB investigate these violations and take the necessary action to ensure that National Credit Syst complies with federal laws pertaining to debt collection and credit reporting. As a consumer, I have the right to be treated fairly and in accordance with the law. It is crucial that these violations are addressed to protect my rights and the rights of other consumers who may be affected by these unlawful practices.

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge off is income. According to the FCRA, income can not be reported on a credit report. I have received a 1099-C for the accounts listed here : ( XXXX, XXXX, XXXX ). After checking a copy of my most recent report. It appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ), not even to mention violation of 15 US Code 1601b. I demand these accounts to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent correspondence regarding my dispute of the accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As I previously stated, these accounts were opened without my permission and have caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's XXXX XXXX. Your response did not fully address my concerns and I am disappointed to see that you believe that the account ending in XXXX belongs to me. I maintain that this account was opened without my permission and I demand that it be removed from my credit report immediately. Your confirmation that you are reporting accurate information is simply not sufficient. In accordance with the FCRA and CFPB guidelines, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report within 30 days of receipt of this letter. I am also demanding that you remove all other accounts that were opened without my permission from my credit report immediately. I understand that you have asked the CRAs to delete some of these accounts, but I want to make it clear that I am demanding their removal as well. I want to remind you that reporting of inaccurate information is in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ] and other CFPB regulations. Your failure to comply with these regulations could result in legal action against your company. I expect a prompt response to this letter and for all accounts that were opened without my permission to be removed from my credit report immediately. Please provide me with a written confirmation of your actions and a copy of my corrected credit report. Thank you for your attention to this matter. Sincerely, XXXX XXXX CFPB Codes : Bulletin XXXX Section XXXX of the XXXX XXXX XXXX Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681c of the FCRA Section 1681g of the FCRA Section 1681i of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On date of XXXX XXXX, 2021, I received a hard inquiry on my consumer report from XXXX that I did not authorize.