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

Subject : Formal Complaint Ongoing FCRA Violations ( 15 U.S.C. 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681s-2 ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report for the ninth time. Despite my multiple reinvestigation requests, the inaccuracies remain, and your responses continue to state the information has been " verified. '' This is not the case, as the errors remain uncorrected, with inconsistent reporting dates across different credit bureaus. 

This failure to properly investigate and correct inaccurate information violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) requiring a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requiring disclosure of the method of verification upon request. who verify the name and how it was verify 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting the reporting of inaccurate information. 
Disputed Information : Creditor/Furnisher : XXXX XXXX XXXX Account XXXX : XXXX I will attach the evidence of all the inaccuracies Elan Financial reporting verify while the inaccuracies remains you have kept sending me these accounts are verify yet the account remain the same You refuse to do your your job and this has effected me Inaccuracies Remaining : different reporting dates across bureaus I have circled all the inaccuracies on the attachment Since your repeated responses fail to correct these inaccuracies, I am now demanding the following under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : How was this information verified? 
The name, contact details, and records used by the furnisher to verify this information. 
A copy of the verification proof used to confirm the accuracy of this account. 
Since you have failed to ensure accuracy and reinvestigate properly after multiple requests, I demand the immediate deletion of this account under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

If this issue is not resolved within 30 days, I will escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursuing legal action under 15 U.S.C. 1681n & 1681o, which entitles me to statutory damages of up to {$1000.00} per violation, plus punitive damages and attorneys fees. 
This is my final request before taking further action. Please confirm receipt of this letter and provide the requested verification details immediately.
Product: Debt collection

A judgement was issued against me without my knowledge. According to the attorney I was served documents at an address I havent lived at in years in the state of Utah. My address could have been found had the attorney taken the time to do a quick search. I am Registered to Vote in the state of North Carolina I am pretty sure that this is public information. It is clear that this attorney is attempting to ignore the laws of North Carolina. I was unaware of any legal action against me until I was notified by my employer of a wage garnishment. I have resided in the state of North Carolina for years where wage garnishment is not permitted. My employer is also headquartered in the state of North Carolina. I was told that they are still able to process the wage garnishment due to the fact that XXXX  XXXX  ( my employer ) has a registered agent in Utah ( CT Corporation ) my employer is not registered to do business in the state of Utah verified by ( XXXX XXXX XXXX ) Utahs government based business search. The attorney was notified by the illegal wage garnishment and refused to submit a wage garnishment release to my employer.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This matter was forwarded to the XXXX XXXX  insurance plan and was later denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute all the accounts on my XXXX, XXXX, and transunion credit report. They have multiple addresses under my name and I only lived at XXXX. They also have multiple names on my account with a middle starting with an F and mine start with an I. They have accounts on my credit stating still being open when I know they were closed. Also I can see a lot of hard inquiries that I have no idea who the person or company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$7300.00} ; XXXX XXXX XXXX XXXX XXXX .... XXXX : {$2800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX, XX/XX/year>, XXXX ( XXXX XXXX XXXX ).
Product: Credit card

I have been dealing with an issue for XXXX months with my power up rewards credit card. I can use it in store but cant make purchases online. Ive called, gone in store, spoke with the bank, and been passed around more times than I can count. Every time I call I get passed back and forth and end up back with XXXX customer support and then they put in a ticket and say it will take XXXX days. The previous XXXX times I received no confirmation my tickets were placed and the last time I was in the store with an associate when they gave me the run around and heard them say were putting in a ticket. Never have received any resolution and still can not use it for online orders. I've spoke with XXXX and they have offered no help and continue to tell m to call XXXX and the credit has all holds released, when I call XXXX they tell me they are working with XXXX to get a hold removed. They also charge me {$2.00} a month if I don't use the card so I can not allow the card to close itself without affecting my credit. I have asked what the delay is and they can not provide and answer. i asked If i could speak to the person working on this issue and they say they do not have a phone number. I asked how this will take and they do not have an answer. I've asked what steps they are taking to get this resolved and they have no answer.
Product: Checking or savings account

This account belonged to my sister. Who passed away. The account then became mine. Beginning in XXXX XXXX XXXX XXXX began withdrawing money under the name XXXX XXXX ( XXXX ) for a total amount of XXXX. Ive received a partial refund. But no where near the amount stolen. The transactions were caught XX/XX/2022. Wells Fargo is the bank.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the
result of identity theft and should be blocked : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I used Cardinal Financial as my lender on a new home purchase. During the application process, I was to obtain a survey, which costs would be paid out of pocket. The first payment was {$500.00}, which I made via credit card to XXXX XXXX. Because it was new construction, the bank wanted another survey which cost an additional {$150.00} which I also paid out of pocket via a credit card on XXXX/XXXX/2016. During closing I noticed that my closing docs had a charge of $ XXXX for the survey that they indicated they paid to the vendor. They indicated to contact my closing agent XXXX XXXX for a refund. I called XXXX that afternoon and she indicated that she would get that processed right away. In fact I received an e-mail on XXXX XXXX that she requested the refund. To date I have not heard back from the lender on this. After several attempts, the lender is no longer responding.
Product: Debt collection

Lexis Nexis reported a debt /Default Judgement owed to a XXXX XXXX on my credit report to my bank, resulting in my being denied a loan. 

I filed a dispute with Lexis Nexis explaining that the debt was not mine. 
Consumer # XXXX Case # XXXX I explained that : 1 ) That I am a man the suit was against a " MS XXXX XXXX '' 2 ) My Name is " XXXX XXXX '' not " MS XXXX XXXX '' as was on the judgement 3 ) I did not do business with this company and the debt was not mine. 
4 ) This judgement appears to be a default ( no show ) judgement I asked that Lexis Nexis verify the Social Security Number and Date of Birth with XXXX XXXX to provide that its not mine. 

I also explained that XXXX XXXX had tried in past to collect a large {$30000.00} debt against me and eventually dropped the case when they realized that they had the wrong person They eventually realized that the social security number and/Or DOB did not match mine. 

I never heard back from Lexis Nexis on the disputed, so after waiting well over 30 days I reached out to them. They acknowledged that I did not receive a response within the required 30 days. Mentioned that it was an issue on their end. They only explained that they verified that a judgement/lein exists. They didn't verify that it matched my Legal name, soc sec # or DOB Link to court case : https : XXXX? XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference CFPB Cases # XXXX and # XXXX. 

XX/XX/2018 : SLS responded to CFPB and indicated that my credit file was not affected by any derogatory report from SLS and the issue was closed. Obtained Release of HELOC from SLS prior that representation to the CFPB. Note also that SLS and XXXX indicated in multiple written correspondence that no derogatory information would be submitted to the reporting agencies within 60 days of loan transfers in accordance with federal law. 

XX/XX/2018 : I called and notified SLS that late payments were reported on my file. XXXX, in the executive office denied that SLS had reported such information since I had no such outstanding balance. 

XX/XX/2018 : Wrote to SLS to produce evidence to the false claim made to the CFPB that I indicated a prior forbearance agreement and expressed interest in disaster-related loss mitigation. Other evidence requested for other false claims made. No evidence was provided. SLS simple made this up. 

XX/XX/2018 : Wrote to the credit agencies asking to produce confirmation on which entities had reported these derogatory information. XXXX  removed the information while XXXX   XXXX kept the inaccurate information. Confirmation Received
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Late Payments on Credit Report Without My Written Consent, violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights.

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 - States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B - States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
purpose I have not given XXXX XXXX nor TRANSUNION the permission or instructions by written consent signed with my own hand to furnish these negative references of late payments entries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor did I file Chapter XXXX bankruptcy. Please remove them.
Product: Credit reporting or other personal consumer reports

During XXXX I called the bank to try to work out a deferred payment solution during the difficult times. Both my wife and I work in hospitality and restaurant business. We have at the time XXXX mortgages. The XXXX other banks were happy to work with us to a solution. However XXXX  back whom still holds the mortgage was very rude and unprofessional so I lashed out on social media. Looking back on it now probably was not the best to do because now they have retaliated with a derogatory report on my credit. 

Please help me with this issue how can that even be legal for them to do especially since the mortgage was caught up with full payment even before this negative report was filed? 

All the best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Vehicle loan or lease

I took an auto loan through Wells Fargo XX/XX/XXXX. It had gap insurance added to the loan. 

I paid off the loan XX/XX/XXXX and they told me there would be a refund of a portion of the unused gap insurance, about {$260.00} dollars. 

Since then they have lied to me, told me the dealer would pay it, told me they would in 5 days, sent me stall letters and promises to contact me in ten days, nothing has happened.

They ignore me. Say they have 120 days to hold my refund. It's been 107 days. OK, I'm tired of waiting. During this time of COVID and economic hardship they should not be allowed to do this to me.

Wells Fargo Case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit line increase online, and never once did it say that they would be doing a soft inquiry on my credit report, yet alone a hard inquiry that would stay on my credit report for two years. I requested the increase on Sunday XX/XX/XXXX through their website. I tried to call the company on Monday XX/XX/XXXX and they were very dismissive and just said that it was in the credit card disclosures that they would have a hard inquiry pulled, which I am only assuming is buried on their website somewhere, not on the actual page that you request the credit line increase on. 
the company is as follows : Brclysbankde XXXX, DE XXXX ( XXXX ) XXXX I work for XXXX XXXX and it was very clear in our training on credit cards and loans that to adhere do the FCRA, that this needed to be information that was passed along to the customer : that there would be a hard inquiry on their credit report so that their credit information could be obtained to be reviewed. I never saw anything even suggesting that my credit report would be pulled, I thought I was just going to be approved for the credit line increase based on having a good history with the company. 

It seems like they were hiding this information on their website and not making it very clear as to how the credit report would have a hard inquiry on it. I would like for the hard inquiry to be removed from my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

After my initial complaint to the 3 major credit bureaus their response was account verified. My question is who verified these accounts, when and how, so I'm demanding the Method Of Verification used. I do not have any contract with these creditors so I'm hoping you will provide me with physical certified documentation that reflects your findings and certify me with copies or as stated within the FCRA these accounts shall be blocked/ removed / deleted immediately from my report. The accounts are as following, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$6200.00}, XXXX   {$870.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$4100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$740.00}, XXXX {$630.00}, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX XXXX {$31000.00}, and XXXX XXXX XXXX {$860.00}, please block these accounts immediately or provide me with physical documentation that supports your investigation.
Product: Debt collection

Cavalry Portfolio purchased an old XXXX account I had 3 years ago. I disputed the item on my credit report, and all they sent was a statement that read " balance forward '' without indicating date of last charge of date of last payment. This balance is CLEARLY out of statute, and they have now filed suit against me for the amount. I want this suit dropped and cleared from my credit report on a CLEARLY fraudulent suit.
Product: Credit reporting

I have continuously sent letter to the reporting agencies regarding my credit history and XXXX score. I have very little on my credit report less than XXXX in overall debt. Once credit card I have been fighting for months they refuse to remove. I did receive this card and closed it the very next month. For some reason they will not remove it. I have XXXX established accounts that I have used and paid in full each month for the past 8 months. I understand that the balances are low and I do not have very much by way of utilization, However, the reporting agencies at XXXX point raised my score to XXXX then seemingly dropped it down to XXXX, this is after I managed to get {$1300.00} in extended credit, which should have spiked my score. I have been DENIED an apartment and even the ability to turn on utilities. Me and my child are facing homelessness because these agencys dropped my score by XXXX points from one week to the next when I had added to my credit utilization not taken or used any. I am outraged at their practices and unfair lowering and raising of scores. I feel that they are not properly adjusting my fico score considering my income {$5000.00} per month to debt ratio ( {$1000.00} ) is extremely low. AT this point I am looking at options to sue and would like some advise as to what my rights are. THank you kindly
Product: Mortgage

Chase Bank sent an offer letter to settle a Home Equity Line of Credit for less than the original amount. 

Settlement term was to " Cancel any any outstanding balance on the account '' Settlement payment was sent to and cashed by Chase Bank. However, settlement term was not honored because balance still shows on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoken with Capital One via certified letters. Company continues to send letter requesting additional information. Sent verification via certified mail proof of inquires on report. Company continues to request same information. Each letter cost XXXX this is my third attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive recently checked my consumer report and noticed a few fraudulent inquires that I did not authorized, this is fraud and shall be block according to 15 usc 1681c-2-a ( blocking of information deemed fraud by the consumer I have file an id theft affidavit as well which will be enclosed in the attachments, unauthorized inquires Inquiry XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX  XX/XX/2023 Inquiry XXXX XXXX  XXXX XX/XX/2023