23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Wells fargo dealer services, fraudulent activity used to puchase vehicle,XX/XX/XXXX XXXX XXXX, fraudulent activity used to purchase vehicle.XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two late payments reported on my credit reports by the Credit Reporting Agencies ( CRAs ). These late payments are inaccurately reflected in my credit history, and I request an immediate investigation and correction of these errors pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The details of the disputed accounts are as follows : XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XXXX XXXX XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/year> According to the FCRA, specifically 15 U.S.C. 1681i, the CRAs are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Additionally, 15 U.S.C. 1681s-2 obligates furnishers of information to report accurate information to the CRAs and to correct any inaccuracies they discover.

I have reviewed my records carefully and have found that the information reported by the CRAs regarding the above-referenced accounts is incorrect. I have never been late on these accounts, and I have enclosed copies of my payment records as evidence.
Product: Credit reporting or other personal consumer reports

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

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.
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 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX po box XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$9300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; 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 you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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

I have disputed multiple items that are being reported on my credit report inaccurately. XXXX continues to report past due payment history information that is older than 7 years. I have sent in many disputes regarding this including the fair credit reporting act which states information more than 7 years old must be removed from my credit report. There are several student loans on my credit report that fall under this dispute.
Product: Mortgage

WE ARE REQUESTING COPIES OF ALL DOCUMENTS PERTAINING TO THE FOLLOWING PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PLEASE NOTE THE ATTORNEY XXXX XXXX XXXX XXXX XXXX TO SIGN, DUE TO HIS INVESTIGATION.INDICTMENT ISSUE HIS ASSISTANT XXXX  XXXX SIGNED
Product: Credit reporting or other personal consumer reports

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

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

On XX/XX/2018 The City Of XXXX Va waived my Realestate Tax becuase I am a XXXX XXXX XXXX XXXXXXXX veteran. On XX/XX/2018 I notified alantic bay Mortgage of the waiver and provided them the documentation from the city of XXXX. 
I was told within 30 days I would have my escrow funds refunded to me. Since then I have called the company five times, three seperate emails and spoke to a " supervisor ''. 
The company has never returned my emails or called back to notfiy me that it has been corrected. As of XX/XX/XXXX, it is now six months and the issue remains, with XXXX dollars in escrow which is not needed. With the waiver of taxes my payment will decrease by XXXX dollars a month. 
I have reached out to the XXXX XXXX XXXX and Alantic Bay has not even responded to them. 
It just amazes me that this company would treat anyone like this, not to mention a XXXX veteran.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXX {$100.00} XXXX XXXX XXXX {$2700.00}
Product: Credit reporting

I have a federal tax lien that has been withdrawn, equifax will not update my credit report to reflect the withdrawn status which would remove the negative public reporting from my credit file. The withdrawal was issued XX/XX/2016.
Product: Credit reporting or other personal consumer reports

Unauthorized Bankruptcy Reporting and Demand for Removal I am writing to express my concern and to notify you of a significant error in my credit report that you maintain. It has come to my attention that my credit report includes bankruptcy information, which has not only been reported without my explicit authorization but also in violation of established privacy norms as set forth by the bankruptcy court, which explicitly states that it does not provide consumer information to any third parties. 
This unauthorized reporting has had a detrimental impact on my ability to qualify for credit lines, directly affecting my financial standing and infringing upon my legal rights. Under the stipulations outlined in 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. Additionally, the Privacy Act of 1974 and related regulations protect individuals from the unauthorized dissemination of personal financial information. In addition, Given that this reporting was done without my consent and in violation of federal regulations, I am requesting the immediate removal of this bankruptcy information from my credit profile. Moreover, I am asking for a fine of {$1000.00} per violation, as compensation for the unauthorized use and dissemination of my personal data.

Please process this removal and cease all further credit activity related to my profile as per my right to opt out. I expect written confirmation within 30 days confirming that these changes have been made.

Thank you for your prompt attention to this serious matter. I trust that you will handle this request with the urgency it warrants and rectify the situation without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion Credit Bureau. I sent letters to TransUnion Credit Bureau dated XX/XX/XXXX. As I reviewed my updated credit report for TransUnion, the inaccurate information about my accounts is still on my reports. TransUnion Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account XXXX XXXX XXXX XXXX ***** Opened Date XXXX XXXX, XXXX Balance {$0.00} XXXX ***** Opened Date XX/XX/XXXX Balance {$320.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$1200.00} XXXX ***** Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$82.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} XXXX XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX  XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} ''
Product: Credit reporting or other personal consumer reports

Dear TransUnion Im very unhappy at the fact that there is inaccurate information on my credit report, and the creditor failed to submit sufficient proof to validate the inaccurate account. This is my third letter to your company. I know the FCBA allows me to dispute directly with the creditor after disputing with you. You told me that you verified the account with the creditor but they could not provide me with sufficient proof to back up their reporting. How can you verify if the creditor could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 

Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureau code is inconsistent between Bureaus. 30 days should be enough to correct Last reported dates. 

I hope we can resolve this issue without complaints to the Consumer Financial Protection Bureau and other agencies. 

Looking for your help. 

CC : FTC, Attorney XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened aXXXX XXXX XXXX in XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card

My Capital One paid off charges off account ending in XXXX shows up on my Capital One app dashboard. I tried to get help from capital one but was unsuccessful.
Product: Credit card or prepaid card

I opened a credit card in late XXXX. I have already enrolled my bank information with BOA because I use autopay. I have not received a bill for this new account. I logged online to file a dispute about a recent purchase only to learn that my account was overdue three days and I had been charged almost {$50.00} interest the day prior. I immediately paid the bill online with the bank info already on file with BOA and re-signed up for autopay which was unexpectedly not active for this specific account, though it was active for others. I chatted with a rep who promised to refund back the {$29.00} late fee but not the almost {$50.00} in one days interest on {$3300.00} total charges. I explained that I did not know I was overdue because I have bot received a paper bill as promised and also should have been on autopay like my other BOA credit cards. I also explained that my husband had XXXX XXXX in XXXX and readmitted in XXXX that we have spent weeks in the hospital and don't need any erroneous fees. My credit score is also very important to me- I have NO LATE bills EVER in decades.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep trying to dispute a account which has been paid with experian and they keep closing it without updating. There is also accounts from XXXX XXXX which are supposed to be deleted due to settlement out of court. There is a FTC and police department report as well
Product: Debt or credit management

Yes I have signed up with Lexington law numerous times in the past and XXXX of dollars for there services and my credit was never repaired I was just signed up with them again not to long where payment came out of my bank account automatically
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information that has been disputed since   XX/XX/XXXX .  False Act information concerning employment, insurance and other information. What it has affected and still affects several issues : Deformation of Character, False Claims entered, Employment and Financial stabilities. Wrongful Garnishment and a host of other issues. In   XX/XX/XXXX - XX/XX/XXXX  , I asked   XXXX   XXXX   to assist with these issues, but they did nothing in my disputes because they work for   XXXX   and also have their own company which is  XXXX . I work for a company, who uses their services, and because of this reporting, I would have to take drastic actions like Wage Fraud and EEOC. Even Social Security has been tapered with.
Product: Debt collection

On  XXXX   XXXX ,  XXXX  I submitted a lette r to Ability Recovery Services request ing validation of a past debt . Ability Recovery  Services acquired a collection account from  XXXX   XXXX  which claimed that I owed them {$410.00}. I have since contacted  XXXX   XXXX , requesting debt validation, the company mailbox is closed, and the account is also closed. In  XXXX   XXXX ,  Ability Recovery Services offe red to settle the account at a 20 % discount. On  XXXX   XXXX ,  XXXX , I paid {$330.00} via credit for a debt your firm claimed that I owed. On  XXXX   XXXX ,  XXXX , I received a letter from  XXXX   XXXX   XXXX   XXXX , with reference account #  XXXX , and the same creditor of  XXXX   XXXX   XXXX ,  XXXX , stating I owe them {$82.00}. That account number of #  XXXX  is the same account number listed on a letter I received fro m Ability Recovery Service  on  XXXX   XXXX ,  XXXX . Now, if I paid  Ability Recovery Services w hy is  XXXX   XXXX   XXXX   XXXX  attempting to collect the balance of the same debt for the same creditor? Ability Recovery Services is refusing to remove this item from my  XXXX  credit reports and holding me accountable for {$82.00}.  XXXX   XXXX  sold the account t o Ability Recovery S ervices, transferring my information without my knowledge. Ability  Recovery Services s hould have proof of this debt, to provide me. I requested a debt validation, and as on  XXXX   XXXX ,  XXXX , the company has failed to response to my notice. I have a copy of the digitally certified mail delivery proof showing my registered letter was delivered. All I am asking for is the proof of the debt, under the Fair Debt Collection Practices Act, I am entitled to this proof. If they do not have this proof, they will need to refund me back my money, and I will seek legal actions.
Product: Mortgage

Almost a year ago we applied for a modification because our mortgage payments were raised and were given the run around the whole time. We provided everything they asked for. Then in XX/XX/year> we had a phone call with the lender and that is when we were given the information that they were foreclosing. We asked for other options available and they gave us none. They have never been willing to help with exploring all or any other options. On multiple occasions we requested a payoff amount to attempt a resolution. We also asked for the original promisary note about three weeks prior to the auction. They have never supplied us with either. And now they are charging us an astronomical amount in fees. When they auctioned our home, they did not post the sale in the paper either. We started filing for bankruptcy however the attorney we were going through did not follow through and keep in contact. So we attempted to file on our own.
Product: Mortgage

On or about XX/XX/XXXX I contacted Wells Fargo Home Mortgage via Telephone on their recorded customer service line to see how much of a principal payment I needed to make to remove Private Mortgage Insurance ( PMI ) from my mortgage. The representative stated I needed to make a payment of {$980.00}. I made this payment and it was posted to my account on XX/XX/XXXX ( Exhibit 1 ). I was instructed to call back when the payment posts and request the PMI to do so. I made this phone call in return and the representative had no idea what I was talking about and told me to refer to the letter. I did so on the phone and read the verbiage which stated I needed to call to request removal if loan is less than XXXX  % XXXX. 

The representative then said she put the request through and I should get a letter stating it was removed. Subsequently I then received a Escrow Letter requesting funds of approximately {$2200.00} for Escrow shortages, this would include PMI funds of approximately {$3100.00}. This seems like an attempt for Wells Fargo to extort monies from me. 

I then have reviewed the Loan Documents ( Ex. 4- Loan Documents ) originally executed on XX/XX/XXXX which states : The date the primcipal balance actually reaches 80 % of the original value of the property I called Wells Fargo and spoke with XXXX XXXX XXXX she stated that a principal payment alone was not enough and I also needed an appraisal. The loan documents state, as well as the letter from Wells Fargo, that : ( 4 ) the servicer receives, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate leins on the property This next delay tactic to extort monies from me is contrary to any reasonable understanding of the marketplace. In fact, just last week on XX/XX/XXXX the XXXX XXXX XXXX XXXX reported that median home prices are at an all time high ( attached as EX 5 ). Wells Fargo is demonstrating a patter of behavior to extort money from me they are not otherwise entitled to. 

My loan to value is XXXX %, I have made 4 requests to have PMI removed, Wells Fargo refuses to do so.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX AUTO # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX CARD # XXXX Account Name : XXXX XXXX XXXX # XXXX