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

I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit report, I identified the following incorrect items that violate my rights under the FCRA : Disputed Items : 1. Account Name/Number : Self XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Keeping inaccuracies on my credit report without fully investigation Violations : The inaccurate reporting of this information constitutes a violation of the following provisions under the FCRA : 1. 15 U.S.C. 1681i ( a ) : The credit bureau is required to conduct a reasonable reinvestigation of disputed information within 30 days. I expect a full and proper investigation of the information I am disputing.

2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of information included in consumer reports. The continued reporting of inaccurate information violates this provision.

3. 15 U.S.C. 1681c ( a ) : Certain outdated or obsolete information, such as accounts beyond the statute of limitations, should no longer appear on my report. Please ensure compliance with this section.

4. 15 U.S.C. 1681n and 1681o : Any willful or negligent noncompliance with the FCRA entitles affected consumers to pursue damages, including actual damages, statutory damages, and attorney fees.

Requested Actions : I hereby request the following : That [ Credit Bureau Name ] conduct a thorough investigation of the disputed information. 

That all inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report. 

That I receive a written response detailing the results of your investigation as required by 15 U.S.C. 1681i ( a ) ( 6 ). 


Supporting Documents : To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed items highlighted. 

Supporting documentation, including [ proof of payment, correspondence with the creditor, etc. ]. 

A copy of my identification and proof of address to verify my identity. 


Notice of Escalation : Failure to address this matter appropriately may result in additional legal action or a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681p for enforcement of my rights.

I expect this investigation to be completed within the statutory timeline of 30 days ( or 45 days if I am notified of an extension due to additional information ). 

Thank you for your prompt attention to this matter. Please contact me directly if further information is needed. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

back in XXXX I went to default my 2 loans, XXXX I did loan modification on my first loan. the loan officer of XXXX XXXX XXXXXXXX told me that second loan was forgiven, closet, cancel., now after 12 years in XX/XX/XXXX i got serve a complaint that owe. {$100000.00} I have never in 12 years received nothing from banks or real time resolutions inc. that I had a loan to pay! 

they have violated the law ( fair debt collect practices act. ) I need help!
Product: Checking or savings account

My bank account was closed Huntington bank in XXXX  XXXX area. I filed a complaint through them because it was always something. They informed me that they wanted to close it its been a month since and I havent received my check from my savings. I dont have another 30 days to wait for my money. I want ever dollar out my savings. They charging me a extra - {$450.00}. I highly do not recommend banking here ever or in the next lifetime.
Product: Credit reporting or other personal consumer reports

The credit reporting agency is in violation of 15 USC 1681a ( 2 ) I by reporting transactions between myself and XXXX XXXX on my credit report. The law clearly states the term credit report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. The word person refers to a corporation. So XXXX XXXX is the person and I am the consumer. The credit reporting agency should not be displaying this information such as late payments on my credit file. The credit reporting agency has also violated 15 USC 1681b ( 2 ) which states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance to with the written instructions of the consumer to whom it relates. I never wrote any credit reporting agency asking them to furnish anything on my credit report. In fact, I've done the opposite. I have written several letters opting out and asking the credit reporting agency not to furnish information on my credit file without my permission. I have been a victim of fraud and identity left in the past and I am asking the credit reporting agency to abide by the FCRA and respect my privacy.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX : {$1000.00}
Product: Vehicle loan or lease

I have tried contacting the company to go over what they say I owe, because it looks to be incorrect based on documents that I can not get any one to answer the phone, so I leave a message and no one ever calls back. This has decreased my credit score and I have tried everything to contact the company of this issue.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX phone number keeps calling my cell. When researched, Qualia Collection Services appears from the search and I know I have no outstanding debt.
Product: Mortgage

On XX/XX/2020 I received a letter from NewRez mortgage company stating that they had purchased my account and payment was due XX/XX/2020. I had automatic payments made to my previous mortgage company XXXX Mortgage. I immediately sent an email to no avail. Then I was told they would get the payment from XXXX in fifteen days. However, to date they have not credited my account the {$1200.00} per month I paid and were deducting what should have gone to my principal from my account. 
I sent them a letter, as well as XXXX. They have threatened me with credit reporting ( until covid ). 
I do not feel I am required to pay a mortgage twice. It is their responsibility to collect all monies when they purchase the account.
Product: Debt collection

I have NEVER experienced anything this unpleasant in my life. 
XXXX XXXX from Thunderbird Collection Services started calling me in XX/XX/XXXX. He left one message on my home phone stating he had a business matter to discuss with me. I did not know who he was so did not call him back. He had also been calling my cell but did not leave a message as to who he was or why he was calling. 
He began to call XXXX of my sons repeatedly telling them he needed to talk to me about a business matter. He then called my work and left the same message. When I called him he was immediately condescending and rude. He asked if my sons had talked to me and used their names. He told me his calls were in regards to a 2012 medical bill, that I must have had an operation and that I had n't paid. He referred to the medical business as his client and said that it was going to be taken to judgement. I said I would look into it, call my insurance company and the medical office to see what had happened. I asked him not to call my work ( I am a teacher and it is not the front office staff 's job to take my messages when I have a cell and home phone ) or my sons ' phones while I was working on this. He continued to call my work EVERYDAY. He repeatedly called my cell phone and my sons phones. It was difficult for me to contact the business as it was XXXX weekend. I finally got in contact with the office manager at the medical office, found out it was from XXXX one of my son 's had had. I paid them directly. XXXX XXXX then called my husband and started berating him because I kept saying I 'd pay and I had n't. My husband would not let him speak because he was so rude. When my husband told me XXXX XXXX had called him I called XXXX XXXX to let him know I had paid. He was angry that I had paid the office and demanded a confirmation number. He said he would keep calling and attempting to collect until I provided it. I got the number, called Thunderbird Collection Specialists and left a message for him, stating that I would NOT talk to him again. 
As I stated I have never been treated so rudely. This was abusive and completely unprofessional. I can not express in writing how this man made me feel. It was an awful experience for an old {$200.00} bill that I did n't even know I had.
Product: Mortgage

Hello, we have had our mortgage with citi mortgage for just over two years. Our original mortgage payment has just been increased from XXXX to XXXX for this year. We have a 30 year fixed. Our previous taxes were XXXX due to the star program. The star program ended by the state so instead of applying it monthly we get a lump sum check in the mail each year. Our mortgage company due to star program ending is veiwing our taxes as a shortage in escrow for last year which is fine, I understand our mortgage going up to cover the XXXX extra shortage from last year, our homeowners did increase this year to an extra XXXX per month. However this year our taxes went down by XXXX which we provided proof to citi mortgage. Citi Morgage has raised our mortgage by XXXX per month and they can not explain why. My wife and I have called and we keep getting different answers, none of which make any sense. They refused to provide anything in writing describing their changes. They even agreed that their calculations seemed off but still wo n't change. I understand my mortgage going up XXXX to cover the increase and shortage from last year but they are asking for a " cushion just in case our taxes go up again '' which we provided them proof they have not. I want to pay the fair amount for my mortgage not an extra XXXX dollars because they feel like it. This new payment goes into affect XXXX XXXX I would like this matter resolved as soon as possible and Citi Mortgage to be held accountable for the unexplained charges.
Product: Mortgage

The FDIC closed Washington Mutual Bank. 

I needed to stop paying my Washington Mutual Bank loan because of the halting of federal dollars for highway design engineering projects. I am a civil/highway engineer. 

I am NJ XXXX XXXX. My case was dismissed. 

The writ of execution was issued by the US courts sending my foreclosure into a Sheriff 's sale. 


My home was sold at a Sheriff 's sale to a third party. The Writ of Possession for the Sheriff 's deed was returned unexecuted. 


The XXXX County Clerk 's office in New Jersey filed the Sheriff 's deed. The property was sold for a profit. 


XXXXXXXX XXXX  executed a XXXX XXXX XXXX mortgage on a property where the Writ of Possession was returned unexecuted. The XXXX County Clerk 's office in New Jersey filed the new property deed and the XXXX XXXX mortgage.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Hi, my name is XXXX XXXX and I live in XXXX XXXX XXXX, California. I am having an issue with my financial institution. They will not refund a fraudulent transaction because they jumped to conclusions and assumed the transaction was made with my XXXX XXXX account and it was not. I was able to prove this as well. I can even show you the conversation I am currently having with one of their representatives. He even stated he would help me if it was up to him and that they should have asked for the proof before making their decision. But they are still refusing to refund my account. I wasnt sure if youre the right department I should talk to. I just did a web search of who regulates financial transactions. If you are not the right department can you please tell me who is? Any help you can provide will be greatly appreciated. 


This happened on XX/XX/year> for {$53.00}
Product: Debt collection

Multiple calls despite calling trying to resolve debt and specifically informed I would no longer want calls
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Unresolved Credit Disputes Dear CFPB, I am reaching out to formally escalate my ongoing issue with the major credit bureaus regarding fraudulent items on my credit report. Despite submitting multiple disputes and providing sufficient documentation, the bureaus continue to claim these accounts are verified without offering a clear explanation or taking appropriate action to remove the inaccurate information. 

I am now submitting another letter requesting the method of verification used, as required under FCRA 15 U.S.C. 1681s-2 ( e ). I believe the credit bureaus are not taking my concerns seriously, and their lack of transparency has further delayed the resolution of these fraudulent entries. 

Your assistance in ensuring the credit bureaus conduct a thorough and compliant investigation is greatly appreciated. 

Thank you for your time and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I noticed a fraudulent inquiry from XXXX XXXX. I called to request Experian remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.
Product: Credit reporting or other personal consumer reports

on XX/XX/scrub>XXXX I received a call from Target regarding a credit application that I did NOT submit. They confirmed the information and I confirmed this was not me. 

I asked that they flag it as fraud and report to the bureaus
Product: Credit reporting or other personal consumer reports

Experian needs to correct the inaccuracies on my credit report to ensure that only accurate and verified information is reported. The name " XXXX XXXX '' is incorrect and should be updated to include " T '' or " XXXX '' as my middle name. My correct name is " XXXX XXXX XXXX. '' Furthermore, the addresses listed as " XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX, '' " XXXX XXXX XXXX, XXXX, NJ XXXX, '' and " XXXX XXXX XXXX, XXXX, NJ XXXX XXXX are incorrect and should be removed. The correct address is " XXXX XXXX XXXX XXXX FL, XXXX, NJ XXXX. '' The report also inaccurately lists my employer as " XXXX XXXX. '' My correct employer is " XXXX XXXX XXXX. '' These inaccuracies violate the requirement for maximum possible accuracy under 15 USC 1681e ( b ), which mandates that only correct and authorized information be reported. Failure to remove these details may result in willful noncompliance under 15 USC 1681n, allowing for damages up to {$1000.00} per violation.
Product: Vehicle loan or lease

I went to buy an new car XXXX XXXX  XXXX XXXX  from XXXX XXXX. I got the loan through key. It was an very busy holiday weekend. The sales rep XXXX had humus sitting around until 5 minutes before close of business. Was there for over 6 hours waiting. She made me go fill the car with gas. 
The next day I notice the car windshield was full of scratches. I left many message no respond. 
In the never got the plates in or the information about the loan. I called the Financial women many times no response. Decided to drive down there they give some number to call XXXX. That only for personal banking. Finally get the XXXX the Financial manager. She called the Vice President of the bank. He said we stopping auto loans in XX/XX/2020 we did away with the department. When I call I get some odd answers or no help at all. 
They way the bank is treating me is odd. It seems that that they treating me like I have had credit and got and an very high interest rate. They told I have to XXXX to pay for my car in person. I live in NJ and Im driving three hours one way to go make an car payment monthly. They also, told my checks are invalid. 
I had an nice women call from the bank she said to me something not right so, calling to get information from you. I told have gotten an statement and the contract doesnt say where make an payment to or an phone number or an loan number. She was going pull up the document She asked was my company hand written? I said no. It is an carbon copy that typed. She said that could he the problem. It this loan is void or not. She said was calling the dealership and to find out what happen. 
Fast forward did some research of my own. I learned in key website you have live in certain state to get an auto loan through key. NJ is not on the list for that. 
I did more research and learned not taking my check they think Im high risk and that why want to pay in person. 
Well, that clued me and realized I had an problem with M and T bank and reported reported me to XXXX. It was an mistake at the bank on XXXX, No. the Bank had it removed From XXXX. I found it wasnt removed. There an problem at XXXX. I tired calling but just telling to put in an dispute against the bank. The problem is that XXXX  did not remove it. I called the bank and on there end was removed XX/XX/2020. I asked them what I do with the loan. Guy just kept on repeating himself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit report and found negative or pass due on the report that is not my so I had to dispute each one and while it was time consuming slowly it was getting cleaned up but the was a credit card negative report that is not my but the collection agency input the same negative item twice on my credit report and I file a dispute with them three time but each time without giving me a reason or a reply it stays on my credit report. How is that legal for them to report two negative report using the same item? Is damaged my credit badly. The Company I.C. SYSTEM, INC ac # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, and Transunion.com, credit freeze/unfreeze does not work on their web-site requiring a lengthy phone call. This is in violation of FTC credit freeze rules by not making available an online method for placing and removing credit freezes. While they do have an online system, it has not worked for me in over two years. I have made repeated attempts to rectify this situation by calling their call center, and their call center is unable to fix whatever issue is keeping the online system from working. Having a system that doesn't work, is the same as not having a system. The only acceptable reconciliation to this issue if for the online system for freezing and unfreezing credit to work, as it does with the two other agencies or to provide me financial compensation for the additional time required to freeze/unfreeze my credit during work hours at my hourly billable rate of $ XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zells handling of disputes, particularly in light of recent CFPB lawsuit, highlighting specific issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims and adequately. They inform me that recovering loss funds was impossible and that tracking these funds was unfeasible. The CFPs findings Indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises Serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out via USPS and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Listed Accounts Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against United Auto located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, United Auto has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.