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

I am filing this complaint against Equifax and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., specifically XXXX ( b ) ( failure to maintain maximum possible accuracy ) and XXXX ( failure to conduct a proper reinvestigation ). 

Equifax and TransUnion have failed to remove or correct inaccurate, incomplete, and unverifiable information from my credit report, despite multiple disputes being sent in compliance with the XXXX and XXXX XXXX XXXX Standards. This failure to comply constitutes willful non-compliance and negligence, entitling me to statutory and actual damages per 15 U.S.C. XXXX and XXXX. 

Violations and Issues : Failure to Verify Information Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( XXXX XXXX : I disputed inaccurate items, requesting original source documentation for verification. 
Equifax and TransUnion responded with generic form letters stating that the disputed information had been verified without providing proof of such verification. 
This constitutes a willful failure to conduct a reasonable reinvestigation, violating XXXX  XXXX ( a ) ( XXXX ) ( XXXX XXXX 
Failure to Provide Original Documents as Required by FRE Rule XXXX ( Best Evidence Rule ) : I specifically requested the original signed contract, billing statements, and proof of ownership of the alleged accounts. 
Both bureaus failed to provide any original documentation from the data furnisher. 
The use of mere " data matching '' without original documents violates Federal Rules of Evidence ( FRE ) Rule XXXX and renders any verification insufficient. 
Failure to Maintain Maximum Possible Accuracy Under 15 U.S.C. XXXX ( b ) : Equifax and TransUnion continue reporting unverified and inaccurate data, including accounts lacking substantiation from the original creditor. 
They have knowingly allowed erroneous data to remain on my report without legitimate verification, which constitutes gross negligence under the XXXX 
Failure to Investigate and Respond to Dispute in Compliance with 15 U.S.C. XXXX ( XXXX XXXX ( 2 ) : The dispute process was inadequate, failing to properly investigate within the required XXXXday timeframe. 
The bureaus did not engage in a meaningful review of the evidence I provided and instead relied on automated systems ( e-OSCAR ) to verify disputed accounts, which is not a legally compliant reinvestigation under the XXXX 
Failure to Correct and Delete Inaccurate Information Per 15 U.S.C. XXXX ( a ) ( 5 ) : Because the bureaus could not verify the disputed accounts with documentation, they were legally obligated to delete or correct the disputed information, which they failed to do. 
Certificated Security Holder Violation : I am the certificated security holder of my credit profile and have the right to determine its accuracy. 
The failure to provide proper validation constitutes an unlawful injury to my consumer credit rights.
Product: Debt collection

got calls text from sunrise credit services on XX/XX/year> spoke with someone from sunrise and XXXX  XXXX  XXXX XXXX said they can not find anything owed and the account number i gave XXXX  from sunrise doesnt match i requested a statement from Sunrise
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I few months back I contacted Equifax in regards to fraudulent accounts one being XXXX XXXX. I sent in the necessary documents affidavit, police report. They removed the account now the account has appeared back on my report under XXXX XXXXXXXX and Equifax allowed that. Dropping my score tremendously
Product: Checking or savings account

On XX/XX/2018 I visited a Wells Fargo branch at XXXX XXXX XXXX in XXXX XXXX California and submitted a power of attorney my mother prepared for me to manage here finances because she is incapacitated. The bank refused to recognize the POA and cited spurious reasons which I demonstrated were false. I asked them to reconsider but as of today, XX/XX/2018 they still have not recognized the POA. I need access to her accounts to provide for her welfare.
Product: Mortgage

My loan throuhgh XXXX has been sold to Seterus and I was never notified. I called Seterus on XX/XX/XXXX and found out I owed XXXX to get paid up to date. I let the customer service rep know could pay it on XX/XX/XXXX, the total amount and that I would authorize the payment over the phone to be withdrawn no earlier than XX/XX/XXXX. I had deposited a check for the amount that day, however I knew it would take a couple of days to clear, so I gave her the date of XX/XX/XXXX. The rep said I 'd be all paid up through XXXX XXXX at that point. Seterus withdrew {$2000.00} on XX/XX/XXXX which of course was returned as my check had n't cleared, it went through again on XXXX and cleared, but now it cleared for XXXX. Not sure why that was the amount requested. However, on XX/XX/XXXX they withdrew XXXX. I realized this XX/XX/XXXX, as I was calling to make my XX/XX/XXXX payment. Of course, the rep had no clue and said someone would have to get back with me, after a lengthy hold of course. Two days later I called back as I wanted to make my XX/XX/XXXX payment so it would not be late, and was told they have n't figured out the problem, and I could n't make my XX/XX/XXXX payment as I still owed an additional {$4000.00} to be paid up to the date of XXXX XXXX. Again this was after a 45 minute hold. She said it was a mistake that the original customer service rep did n't give me the correct amount but could n't tell me why those amounts were taken, and on the unauthorized date. Asked me if I 've not ever made a mistake? Seriously, the rep that took my payment even had a supervisor get on the phone to authorize it. So I 'm requesting transcripts of the XXXX phone calls of made. Taking money out of someone 's account is stealing when it is n't authorized. I will be seeking legal counsel. They are the most unprofessional cast of characters I 've ever encountered. Not one person knows what they are doing. A complete travesty. I need some help as I was going through a horrible time, my mother was in XXXX, For 1 month and 1/2, thank God she pulled through, and is doing well but this is criminal., I stayed with her in the hospital, even worked from the hospital, as if I had n't she probably would n't be alive. Furthermore, upon discovery of this transfer, I made the phone call and agreed to pay them up to date! I 'm disgusted! Still have n't received their welcome letter, imagine that!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$8.00} XXXX XXXX Balance : {$5.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$51000.00} OAG CHILD SU XXXX XXXX : {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

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

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX Account # XXXX, Has violated my rights. 15 U.S.C 1681 section 602 ( A ) states That I have a right to privacy 15 U.S.C 1681 Section 604 ( A ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( C ) ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any 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. 15 U.S.C 1681 s-2 ( 9 ) A person whose primary business is providing medical services, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. I also have provided proof that shows I had auto insurance with a total different company than what XXXX XXXX XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and there was unkown inquiry from AMERICAN CREDIT ACCEPTANCE. I did not give written consent to them. I wrote a letter sent it ceritified mail. Asking for proof and verification validation wet ink signature giving the permisible purpose to do so. To send all proofs and supporting documents per FCRA. They sent me a letter blaming another company and they sent no proof. Just a letter say THEY did it but XXXX MADE THEM DO IT. Tat is not the law. I called today was on the phone with operator XXXX for 10 min. She had no file on my name. No accounts no purpose. I waited 20 min for manager he was to busy to talk. I wan this fraudulent inquiry of my XXXX  and XXXX  its hurting my score thus hurting my life. Please remove at once. Thank you P.s as for XXXX they were contacted and had no information. It was too far back they said.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX 4 LATE PAYMENTS Balance details 2 % paid off Balance {$47000.00} Balance updated XX/XX/XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open. {$2400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2400.00} Original balance {$47000.00} Monthly payment {$760.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 73 Months CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 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 results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress caused on me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person ( s ).
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 1681. 

XXXX XXXX, Account # unknown has violated my rights XXXX XXXX XXXXXXXX, Account # unknown has violated my rights US Department of Edu, Account # unknown has violated my rights Inquiries : XXXX XXXX Bank has violated my rights XXXX XXXX Bank XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 called again to Experian I spoke with an agent named XXXX. I have mailed several letters to Experian requesting that they remove this from file. XXXX says today that they didn't have my FTC then he found it and he said they would re investigate. This would be great but they have said this XXXX other times. I called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each time they say the same thing we will investigate but nothing has happened. I recently asked what else could I do and upon further research I discovered the CFPB and I read about how to file this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XXXX to get a loan. Each time my credit it run, this is what the bank gets in response : 1 - EQUIFAX REMARK : INFORMATION FROM YOUR INQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT REPORT IS NOT AVAILABLE FOR DELIVERY 1 - EQUIFAX REMARK : INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE I have already filed a complaint. Equifax sent me a letter requesting my id, which I sent and have not heard anything back.

Just trying to get a loan in America.
Product: Mortgage

Filed for a loan modification on XXXX XXXX, 2015. I called yesterday, XXXX/XXXX/2015 and explained we have n't received anything from Greentree. They stated they sent it to the lawyer that answered their complaint because it was the law. I needed to send them a letter stating I need them to send it to our mailing address
Product: Debt collection

Dear ( Debt Collector ) ecently received a debt collection notice from your office. I am writing to verify that you ha intacted the correct individual and to request that you provide documentation confirming th Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor 4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

Wells Fargo Dealer Services : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account.
Product: Checking or savings account

I bank with Wells Fargo and have been for over 10 years. I was viewing my last statement from XXXX to XXXX and I paid {$240.00} in overdraft fees. Six of them were in a 2 day period!! ( from XXXX to XXXX )!! I noticed that I was able to make purchases while in overdraft when I shouldn't have been able to. THIS year alone, I paid over {$770.00} in overdraft fees!!!! That's almost {$1000.00}!!! I've spoken to a personal banker, who couldn't refund ANY of it. Also, my car was repossessed in XXXX thru XXXX XXXX XXXX ( my lender ). I owed {$1400.00}. to get it back and paid {$1200.00} with the promise to pay the remaining {$200.00} when I got paid. I called and needed a few more days and they'd already sent my car to auction. When I got it back, they rekeyed my car and gave me a simple key with no fob to open my car with and didn't even start the car. Used my old key and fob to enter and start the car. Got a bill for {$290.00} for the key ( like a house key ) made for {$3.00} at XXXX and incurred monthly late fees for nonpayment. I didn't authorize my car to go to auction, didn't authorize a key, and couldn't afford the {$120.00} to file in small claims court because the battery was dead ( sat in the heat and got bad ), had to buy a new one, headlight ruined, and items missing from car. Need help with the predatory practice and the 18 % interest maybe. Each payment is {$6.00} processing fee. XXXX payments is {$180.00} in fees to MAKE the payment!!!
Product: Checking or savings account

My business account was closed by Bank of America. I got a refund from a purchase I made with XXXX that was sent to my closed account. I contacted Bank of America to inform them that XXXX stated the refund they provided was sent successfully to my closed account. I contacted Bank of America and was told that there was no refund present and that since my account was closed that there was no way for XXXX to issue a refund to a closed account. Bank Of America assured me that they had not received the funds that were sent to them on XX/XX/2022. Well, Bank Of America had XXXX XXXX from their executive office work with me as he got on several phone calls that were placed to XXXX to assure them that the funds they refunded to my account were not received by Bank Of America. I was provided a merchant transaction account from XXXX indicating that Bank Of America had indeed received my money. I provided this information to Bank Of America and they once again denied receiving the funds. After 6 weeks of calling both Bank Of America and XXXX I get a call from Bank Of America on XX/XX/XXXX stating that they indeed did have my refund. XXXX the rep from Bank Of America stated they had indeed issued me a refund on XX/XX/XXXX. I informed her that I had not received any refund and that it was now XX/XX/XXXX. She stated she would investigate the issue and call me back on XX/XX/XXXX. I informed her that this has cost me significantly more than the {$290.00} refund that Bank Of America had taken. She stated she would contact me on XX/XX/XXXX to let me know the results of the investigation. She never called nor has the money Bank of America has taken from me been returned.