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

I have been reaching out since XX/XX/2023 to have information updated and my credit report frozen/ blocked etc so the fraud person would be unable to have access to my information. I habe asked To have the fraud information and freeze/block updated to the correct information several times. I have provided documentation several times and this past Friday I called again to have ot updated and the associate hung up on me. You can not imagine what it's like dealing with this since last year and not being able to get ANY help with this. I've been diligently trying to get this done because the fraud person had already been able to gain access and apply for credit over and and over again PLEASE HELP ME
Product: Consumer Loan

XXXX XXXX, XXXX I purchased a XXXX XXXX from XXXX XXXX XXXX, XXXX. I traded in my XXXX ford truck. The dealership gave me {$8800.00} for my trade-in. I owed Navy Federal {$10000.00}. The dealership said not to worry about the negative equity of {$1200.00}. They said they had rolled it into the price of my jeep so I did not have to pay any additional money. When I saw the buyers order it said that there was no balance owed to Navy Federal. When I got my loan from Navy Federal I found that I still owed the negative equity. I paid the negative equity XXXX once to the dealership and once to Navy Federal.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account.

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 i filed initial cfpb complaint & in writing to credit bureau/ it's got immediately closed, then i filed 2nd dispute with cfpb on the XX/XX/22 due to their response to my dispute didn't match my issues in my dispute/complaint. 

Per 15 U.S. Code 1681i - 2 ( a ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Per 15 U.S. Code 1681i - 5 ( a ) ( i ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and Per the 15 USC Codes above : Credit Bureaus were supposed to send me a letter to my address WITHIN 5 DAYS indicating they receive my dispute and it's been investigated. And this wasn't done, so accounts SHALL be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute to Equifax XX/XX/ 2020. I disputed several accounts reporting on my credit report inaccurately. I also requested " PROOF '' of these debts exercising my rights under Section 609, which I am entitled to see and be provided with, for full validity of the said debt ( s ). Equifax DID NOT comply with the Fair Credit Reporting Act completing a full unbiased investigation within the time frame given ( 30 days ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has indicated that my wife as well as my own personal and secure data has been compromised due to lacking security measures. Equifax failed to release this information in a timely manner and even let their employees sell stock before it became public knowledge.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : 1. Proof of contract to establish that your company was entitled to enforce a commercial claim against me.

2. Provide me a certified copy or an original contract, with my signature.

a. Certification can be done through the presence of a Notary Public, who duly swears that the copy is a copy of the original contract in question.

3. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place.

a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly. 

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal Inspection Service against you.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Checking or savings account

I want to close my checking account with XXXX. I transferred the money out of the account over a month ago and have tried to close it ever since. Every time I call, the hold time is ridiculously long ( over an hour ) and I never get connected. I tried to sign up for a call-back on the website, but it says " no time slots are available. '' There does not seem to be any other way to contact the bank other than to visit a branch, which I can not do because I have a full time job ( not to mention issues regarding XXXX ). It is ridiculous that the company is making it impossible for me to close the account. As a result, they have charged me a monthly fee and I now have a negative balance because they have not allowed me to close the account in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 fraudulent credit inquiries on my report. 

XXXX XXXX  bank XXXX Td auto finance XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loan was forgave in XX/XX/scrub>XXXX  I have request multiple time with Mohela close out my student loan and record a XXXX balance withe the 3 credit bureaus. I have called them, sent them online messages with no resolve. I have disputed with credit bureaus. Student.gov says contact Mohela. Just going in circles. Mohela told me it would be updated in 90 days and it has not. I need this student loan debt to reflect being closed and reflect the XXXX balance on my credit reports. This is keeping me from buying a house.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items in my credit report and it has been more than 30 days and I have not received any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of Arizona, by way of their collection agency Synerprise Consulting, is harassing me and damaging my credit by false reporting a delinquency of XXXX USD. I've attempted to dispute this with XXXX twice without a fair and honest resolution. Attached is a schedule of the the original invoice, the credit for out of network, and the payments showing a zero balance. This needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections LVNV Funding LLC Type of Account Debt Buyer Date Opened XX/XX/2022 Amount {$390.00}
Product: Mortgage

In XXXX Ocwen tried to foreclose so I filled out a modification and it went through so I made payments but they failed it. Then in XXXX I filled out another modification according to Ocwen, it got approved and I made 6 payments. They then failed that modification and put me back in foreclosure. Once again in XXXX I filled out another modification with Ocwen and made 3 payments, then they failed that modification. I believe this was a scam because the payment went from $ XXXX $ XXXX $ XXXX {$3500.00}. Now that I've been in foreclosure they have been charging me {$3500.00} a month on paper. I have been in foreclosure since XXXX, my first lawyer had it for 10 months and then quit. My second lawyer had it for 10 months then quit. Now I feel very vulnerable and I need help, they are still trying to fraudulently foreclose. I feel they have misinformed and misguided me into foreclosure. I have done everything they have asked and they still put me in foreclosure. My lawyer has now filed a complaint to put them on hold but he also has quit. The mortgage servicing companies involved are Ocwen, PHH, and XXXX, they kept changing which company dealt with the mortgage to further confuse me. Those companies are all owned by the same parent company.
Product: Vehicle loan or lease

I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX XXXX claims still unpaid and unresolved. And XXXXXXXX XXXX  assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed XXXX, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX  XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of XXXX violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a XXXX or longer. I am owed roughly XXXX XXXX XXXX in unemployment money. I wound up homeless and lost my XXXX XXXX backed mortgage waiting on nothing to happen. And my XXXX sent the XXXX to my home to have me arrested and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received XXXX of letters, emails, calls, etc., from me and NOBODY responded over a XXXX period. Which prompted a congressional XXXX complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this! 

I have XXXX years of job experience. Length of job portion of this was due to the COVID lockdowns and unavailable jobs. And delayed unemployment. And you can see the rest in the details above. I was XXXX from XX/XX/XXXX to XX/XX/XXXX and just reestablished myself XXXX months ago. Without any agency designed to assist help. They denied me too. You give it drug addicts, drunks, prostitutes, criminals, and people who steal from others. Not legitimate people who do what they are supposed to do that you hawk for something to get them on versus looking at yourself as the problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX XXXX I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness. 

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

Was called at XXXX XXXX on XXXX-2017 from number XXXX. My telephone number is a business number. Person named 'XXXX ' said he was from EOS CCA - but refused to identify who the company was, or what the call was about. I had to look them up online to find out it was a supposed collection agency. Also, the call did not indicate whether it was being recorded ( calls usually are ) or provide the required 'call being recorded ' statement. As he would not identify the reason for the call - or who EOS CCA was - I declined to confirm who he was speaking with, and then he hung up on me.
Product: Credit reporting or other personal consumer reports

I disputed some negatively reporting items on my consumer report, on XX/XX/2023. I spoke to a representative from Equifax, and I requested validation of the negatively reporting debts. I was told I would receive a letter with results in 4 to 5 business days. Equifax did not send a response. The negative information remains on my consumer report. I was never contacted by Equifax during this " so called '' investigation. I am being adversely affected by these negative items and my reputation is being damaged. It is also affecting my creditworthiness and ability to access my credit. According to 15 USC 1681 ( A ) ( e ) the conditions were not met for a proper investigation. Also, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer, or from a consumer reporting agency, when such information was obtained directly from a creditor of the consumer or from the consumer. 
The information in question is as follows. 
A XXXX XXXX account XXXX for {$830.00} A XXXX XXXX  account XXXX for {$900.00} XXXX XXXX XXXX XXXX XXXX account XXXX for {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX account XXXX for {$12000.00} And a XXXX XXXX XXXX account XXXX for {$2200.00} Which is reporting negative information on the same debt as the XXXX XXXX account XXXX {$0.00} My right to privacy is also being violated. And 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction. I have not provided this, and I do not consent to the making public of negative items on my consumer report.
Product: Mortgage

On XX/XX/2021 ENVOY MORTGAGE LTD sent me a statement of credit denial. There decision was base off several reasons. The length of time accounts have been established, time since most recent account opening is too short, too many accounts with balance, balance to credit limits too high, and number of inquires on account. There decision was base off a third party XXXX, XXXX, and XXXX. Also the company use false information saying these laws for there decision was base off the Fair Credit Reporting Act. I reach out to the company about the adverse action letter stating you can't be denied for credit on an adverse action, you can only be denied for insurance and employment only. ENVOY MORTAGE LTD proceeded and told me it doesn't mean I got denied for credit according to the Equal Credit Opportunity Act they have to send that form. I, XXXX XXXX extended my credit to ENVOY MORTAGE LTD and the company was the only one benefited from the deal by denying me credit. I sent them information about this and the company never responded! The amount was XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the rights 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 written instructions. 

I have reached out several times to the credit bureau regarding the following account with professional debt mediation, because they provided me with a bill including someone else 's name but have this debt on my credit report.