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

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.
Product: Checking or savings account

On XX/XX/2022 I was on my lap top and noticed a cursor, not mine, moving around and then my face appeared on my screen. I called an associate who works with computers and he said you been hacked. I tried to open my Wells Fargo bank accounts and it would not open. I went to my local Wells bank and a banker got into my account and said that someone is trying to transfer {$25000.00} and {$40000.00} from your savings account ( XXXX ) into your checking ( XXXX ) and wire {$22000.00} to someone's account. The banker got Wells fraud person on the line and I answered his questions about what I use to do banking and I told him I'm XXXX XXXX XXXX and I don't use any other device other than my lap top to look at my accounts and I make all my deposits at the bank. The fraud department gave me an Case # XXXX and a claim # XXXX to stop the {$22000.00}. 
After that the Wells banker said I should close my savings and checking accounts and open new ones which we didXXXX per his advice. 
on the XXXX of XXXX I looked at my new accounts and the {$22000.00} was taken from the new checking account not the old one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit report from ARS ( Advanced Resolution Services ) on XX/XX/2019. 

They replied quickly by sending me a letter in which they request hardcopies of confidential documents like W-2 and paystub. 

It should be hassle-free to receive a credit report, especially without disclosing additional confidential information.
Product: Prepaid card

I placed an order with XXXX and never received my order. XXXX stated that they would give me a provisional credit, but have failed to do so and the merchant isn't responding to my dispute. 

Date of purchase : XX/XX/year> Amount : {$190.00} Store : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

For the past 2 years I have tried to obtain a loan modification from SN Servicing. The single point of contact in charge of my file has done everything he can to stand in the way of allowing me to get this done. I am a self-employed caregiver and I do not have pay stubs so I have submitted a profit and loss statement and bank statements to support the profit and loss statements. My tax return did not support my income claim because of the number of write-offs I was claiming. This year I had my accountant reflect my complete income that I make on my tax return, without any write-offs and have submitted the file again with my bank statements and a letter detailing every deposit that was from my income in my bank account. In the past XXXX XXXX has accused me about lying about my income because he said the documents did not support the income. I take care of an old lady in her home, I am not a sophisticated business owner, and I must confess that I did not keep my books very well in the past. I would sometimes cash my pay check and pay some of my bills before depositing the full amount in the bank account but after being denied for this reason, I have kept detailed account of all my earnings and my accountant can vouch for this fact. However, XXXX XXXX advised me on the phone ( laughing and in an extremely sarcastic manner ) that SN Servicing would not even consider looking at my file again because of the denials in the past. People 's circumstances change, a ) I have paid off my car and no longer have that payment, b ) I deposit all my checks into my bank account to show my income, and c ) my XXXX lien has worked with me to lower that payment and make it more affordable. I would like to have XXXX XXXX removed as my single point of contact and have an impartial person put in his place to look at my file. At this point I think he has a personal vendetta against me and from the way he speaks on the phone to the third party handling my file, it seems like he would like to see me loose my home. I have worked very hard to purchase that home and I will not let that happen because of one mean spirited employee at a bank who thinks because of his position, he gets to call all the shots. I am attaching the recent package that was sent to SN Servicing for your information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : 1. XX/XX/2017
Product: Debt collection

I have owed a debt of around {$2700.00} on what used to be a synchrony bank credit card for about a year now. Due to being in the restaurant industry, COVID has severely limited my options for paying off debts as what once would have been disposable income is now my rainy day fund. 

Despite this, XXXX XXXX XXXX XXXX continues to call me upwards of ten times per day always using spoofed phone numbers. The only number they've called me on that I actually get a response for is the 1-800 number. Every other number they've ever called me on was a fake line that wasn't even being recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX .... Balance : {$6700.00} ; XXXX XXXXL XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXXNK XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX .... Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX & XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, 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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX. 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXXXXXX
Product: Mortgage

To Whom it May Concern : Back in XXXX of XXXX we had a mortgage litigation case against our mortgage servicer dismissed by a federal district judge. Our forclosure date is XX/XX/XXXX or 10 days from now. We are trying to work things out with the mortgage serivicer, Mr. Cooper/Nation Star but they won't allow us to do anything because they say the account is in litigation even thought it has been almost eleven months since the case was dismissed. We are not allowed to communicate with the trustee sale law firm because they are saying the account is in litagation, which at this point it is not and hasn't been since XXXX of last year. This denies us any attempt at a work out such as a loan modification.This is not right and seems to be illegal. Because of this delay, we are losing out on a chance to save our home from foreclosure. We are just the little guy being subjected to the illegal actions of XXXX XXXX. 
Sincerely, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached Doc Despite my previous written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. Why is this errouneous reporting showing a balance owed if the account was charged off? INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 



I am writing to request the immediate deletion of this information provided to you by XXXX XXXX that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court proceedings such as Dixon-Rollins v. Experian Information Solutions
Product: Credit reporting or other personal consumer reports

**Subject : Request for Removal of Unauthorized Credit Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX DEAR SIR/MADAM, I HOPE THIS LETTER FINDS YOU WELL. I AM WRITING TO REQUEST THE REMOVAL OF UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT HELD BY TRANSUNION. UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES ARE CAUSING CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. 

THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE NOTE THAT THESE INQUIRIES WERE PREVIOUSLY REMOVED, AND THEIR REAPPEARANCE IS CAUSING SIGNIFICANT DISTRESS. 

I UNDERSTAND THAT TRANSUNION VALUES THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT MY CREDITWORTHINESS AND FINANCIAL SECURITY. TO RESOLVE THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A MUTUALLY BENEFICIAL RESOLUTION. 

1. **REMOVE THE UNAUTHORIZED INQUIRIES** : I REQUEST THAT TRANSUNION PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT TO RECTIFY THE INACCURACIES AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS. 

2. **COOPERATION AND GOODWILL** : IN RETURN FOR TRANSUNION 'S COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. 

I BELIEVE THAT PROMPT ACTION ON THIS ISSUE WILL BENEFIT BOTH PARTIES AND MAINTAIN THE ACCURACY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES. 

I KINDLY REQUEST THAT TRANSUNION RESPOND TO THIS LETTER WITHIN 72 HOURS OF RECEIPT TO CONFIRM YOUR WILLINGNESS TO COOPERATE AND REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER, AND I LOOK FORWARD TO A TIMELY RESOLUTION. 

SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : TransUnion 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX which I never signed a contract with and I am not sure if this a company trying to scam me. I did send them a letter asking for the debt to be validated but have not heard anything from them. I also asked them to remove this from my credit report.
Product: Vehicle loan or lease

I purchased and 2010 XXXX XXXX from JPMorgan Chase for my daughter in college. While paying for that car, I began to struggle and I called Chase. Chase helped me by putting one of my car payments at the end of the loan. The last payment was XX/XX/XXXX. So, being that that payment was put at the end of the loan, my last payment date would be XX/XX/XXXX. After XX/XX/XXXX, I received calls to make my payment. I asked one of the representatives could I pay that last payment XX/XX/XXXX and I was told " yes. '' I also made that representative aware that I was working extra time and she assured me that I would be fine. So I paid that last payment of {$190.00} on XX/XX/XXXX. The following month XX/XX/XXXX. My credit score dropped tremendously. I found out that I was reported by Jpmorgan Chase for being 30 days late on my final payment of my auto loan. Upon calling Chase the representative was so rude and not trying to help me, so I then filed a dispute with the credit bureau. After around 30 days, I received a letter stating that my credit report was accurate.
Product: Credit reporting or other personal consumer reports

Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX the necessary steps are being taken on my part to rectify this incorrect information. 

I recently disputed the presence of late payment on my XXXX XXXX account XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Debt collection

XXXX XXXX XXXX has tried to open 2 separate collections in a 2 month time frame and I need them both gone, Ive never used XXXX XXXX XXXX but 1 time and it wasnt the time they are saying I used XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from. my credit reports.
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Bank account or service

I run a small business and have been banking with regions bank for a few months what a huge mistake at times my account has a low balance and they take advantage by reordering large transactions over ver small ones so they can collect large fees at times a few Small transactions that total less than XXXX dollars have cost me over XXXX in fees if they would process as the items came in this would never happen this is a huge scam