23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Complaint attached for XXXX and XXXX XXXX XXXX FRAUDULENTLY INQUIRIES, SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS FROM CREDIT REPORT I am writing to dispute these fraudulently inquiries by XXXX and XXXX. I am a victim of identity theft and did not open these account with Account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation, and method of investigation.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.Unverified Inquiries : Failure to substantiate the claim, Delete/remove Inquiries immediately from Experian. 

I demand the following accounts be verified or removed immediately. 

Provide Physical Proof of Verification : Unverified Account, FRAUDULENT INQUIRIES. 
Please remove all FRAUDULENT inquiries
Product: Money transfer, virtual currency, or money service

They say they froze my account in XXXX. I asked why, they said they would escalate and in XXXX to XXXX business days they would get back to me. AFTER i upload my ID. 

The company is Venmo. I only used it with my sisters, for payment on our vondo for a trip. 

I can not close my account. They will not help. Weve been dancing this situation for XXXX and a half years. They do not get back to me via email or phone.
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  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format methodignoring to report. 

US BKPT CT NY XXXX Account ID : XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( Transunion ) On XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 and XX/XX/2021 I requested Credit Bureaus to send me the name and address of the furnisher of information who helped them verify that the filed on was accurate. All three bureaus listed the source!!!!!!!, but not the actual furnisher. They have failed to comply with FCRA prescribed procedures ( 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; ). This item must be Deleted immediately. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX XXXX account numbers xxxxxx XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, Attorney General account numbers XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX account number xxx # # has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX account number XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX account number xxxxxx XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX XXXX account number XXXX has violated my rights In accordance with the Fair Credit Report Act, XXXX XXXX XXXX XXXX account number # XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX account number xxxxxxx XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Report Act, XXXX XXXX  account XXXX XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 also states a Consumer Reporting Agency CAN NOT furnish a account without my written instructions.
Product: Credit card

On XX/XX/2024, a credit card in my name was opened ( or reopened ) at a Home Depot in XXXX, CA. I previously had a card Home Depot card many years ago. The card was closed and destroyed years ago. XXXX XXXX XXXX says that the person claimed that they had lost MY card and were able to re-open or issue a new one. 

They purchased {$2700.00} worth of " electrical and lighting '' and " hardware ''. I did not purchase this. This was identity theft. 

I contacted Home Depot and reported the issue. I was told that I would not be responsible for the amount and that they would pursue the issue. 

My issue is that this seems to have been way too easy for someone to open an account in my name. I had credit freezes on XXXX and XXXX but apparently the freeze I had placed on XXXX had expired. 

Having worked at Home Depot for a year, I know that they push cashiers to get people to open a new card and get a minor discount on their purchase. The cashier is credited for getting a new account opened. Could this have led to the card being opened? Did they even check identification?
Product: Credit card

Company continues to attempt to collect a debt from me that has already been charged off and account closed. I have sent them the Credit Card Accountability, Responsibility, and Disclosure ( CARD ) Act in which the federal law requires credit card companies to : Allow cardholders to cancel the credit card agreement without it being a " default '' which I wasnt allowed to do through numerous attempts, which violated the ( CARD ) Act. I will be resulting in taking legal action against them because other companies are discriminating against me due to my credit report on behalf of that charge off.
Product: Student loan

Wells Fargo has granted a temporary payment relief for XXXX month. Due to XXXX XXXX hitting Texas, devastating and flooding XXXX completely, preservation of life is currently the highest priority beyond anything else. The entire city, region, and vicinity is under water. Just take a look at any national news covering XXXX XXXX. Mail will not even be able to arrive to our house for probably weeks. I do not think I will even get the next Wells Fargo XXXX XXXX bill because of the flooding and the possibility that mail is completely drenched in flood water. Currently, it is impossible to return to work, get to and from grocery stores, or even be able XXXX XXXX to a hospital in the event of an emergency. Even if water recedes, in a couple days to weeks, or even months for some areas, it will be time before normal day to day activities will even begin to possibly resume. Both me and my co-signer are completely devastated and need time to manage the preservation of necessities to get Wells Fargo their money. I am sure Wells Fargo understands the devastation occurring in Texas all the way in XXXX XXXX, or wherever their headquarters are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureaus and they are disregarding a regular consumer disputes. I am very stressed and have been sending letters before this and still haven't gotten a response.
Product: Debt collection

XXXX XXXX is a collection agency claiming that I owe {$670.00} from a XXXX XXXX credit card. On XX/XX/2018 I mailed a letter to dispute the claim, requesting the debt be validated. The letter was delivered on XX/XX/2018 with them responding on XX/XX/2018 not validating the debt. My credit report was not marked disputed on XX/XX/2018. I sent another letter delivered on XX/XX/2018. I have tried to resolve this issue with all 3 credit reporting agencies. They continue to verify the debt without any validation.
Product: Credit card

Hello, XX/XX/XXXX applied for and received a Barclaycard Mastercard as part of an effort to rebuild my credit. As is the case with folks with less than perfect credit, the card had an exceptionally high interest rate and onerous fees for everything. Right off the bat there were issues with access my account, viewing statements, but I paid as I spent, and my limit was only {$2000.00}. 
At one point XX/XX/XXXX, I was nearly at my limit. I paid a minimum payment, and then set up my bank to pay automatically, and I put the card away. Somehow the minimum payments just seemed increase despite the fact that I was not spending on the card. I did n't notice this for some time because I did n't think they would increase if I had n't spent. 
Then the calls came, multiple times a day, disrupting me at work. Half the time no one was on the line. They called when payment was due, the same day I made a payment, the day after, and I got emails telling me I was near my limit, thanking me for my payment, telling me my statement was ready. Each month the minimum payment was climbing by $ XXXX+. I could n't pay that, and I continued with the automatic payments at less. 
XX/XX/XXXX my last statement said my minimum payment was {$700.00} - on {$2000.00} limit card? Then I received a letter that my account had been handed over to a collection agency. No warning. No letter or email or voicemail. Just XX/XX/XXXX statement, and XX/XX/XXXX collection agency. Efforts to talk with them just get me diverted to the collection agency. 
All the work I had done to repair my credit destroyed, and not so much as a warning. I was told making timely payments was most important, even it they were not full amount. 
This has been devastating. It was a terrible decision, and Barclay is a terrible and predatory organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a quarantee that my consumer rights will be respected moving forward
Product: Credit reporting, credit repair services, or other personal consumer reports

I request you to provide me verification from each merchant by affidavit personally witnessing me making any of the transactions on this accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An affidavit of truth. If you can not provide it, then you've failed to conduct a reasonable investigation and are in violation of my rights under the Fair Credit Reporting Act.
Product: Vehicle loan or lease

I had an auto loan with Santander Consumer USA. I informed Santander that my car was in the repair shop and that my license was suspended, making me unable to retrieve it. I made multiple attempts to contact them and requested that they repossess the vehicle, but they never picked it up. Because of their inaction, the vehicle was abandoned, and a lien was placed on it, accumulating {$25000.00} in fees. Despite their failure to recover the vehicle after being notified, they charged off my loan and continue to report a {$35000.00} balance on my credit report. 

Santander may argue that the loan contract holds me responsible even if they did not repossess the car. However, I made multiple documented attempts to notify them and resolve the situation, and they failed to take action. Their refusal to pick up the vehicle led to additional, avoidable financial damage. Under fair lending and debt collection practices, lenders have a duty to mitigate their losses rather than intentionally allow a debt to grow. Santanders failure to act is unfair, and I request an investigation and correction of my credit report. *
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not keep its system secure and my personal credit information was stolen.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This a violation of my rights. In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

Hello, I have been with Loancare for the good part of 7+ years. Due to the covid crisis, my tenant was unable to make their rental payments and I entered into a forbearance back in the summer of XXXX. This was a 6 month forbearance in which we entered into a loan modification agreement in XXXX of XXXX. Papers we signed, notarized and received by loancare. This modification had a new monthly payment with payments beginning in XXXX of XXXX. I was informed many times that my information on the website would be updated in 60-90 days and once complete, I would be able to resume making payments on the agreed upon amount through the website. XXXX came, then XXXX, then XXXX and calls to customer service were the same story. Confusion as to why it was not updated, assuring me that a ticket would be open and that 1. this would get resolved and 2. a supervisor would contact me ( as requested ). All throughout this time payments were made on time. Now here comes XXXX, where to my surprise the status of the situation is unchanged but now we have a new revelation. When calling ( and waiting 30 minutes to speak to the first representative.. every time ) to make my monthly payment, I was told that I have been entered back into forbearance on XX/XX/XXXX ( of which I have not requested ). When I challenged this, I was put on hold for over 45 minutes until I decided to hang up. This entire experience has been extremely stressful. I do not know what my mortgage balance is, what my escrow is, what my statements look like or even how my monthly payments are being applied ( if they are being applied at all ). Is my mortgage still being reported as in forbearance so federal benefits can continue to be collected? I would hope not as that would be a major fraud case. Who can actually help me with this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to talk to the XXXX over and over again about the inquiry. 
And time and time again they have been Replying with I quote theirs nothing we can do for you. I just would very much like this situation too be handled by a higher up. 
Because obviously Im not get nowhere Near resolving the matter. So I do appreciate it If my all inquiries will be removed do to non Authorized and security breach. There are 19 inquiries that needs to be removed. 
Like yesterday. I really do appreciate all Your help and looking forward on hearing back from you thank you and have a blessed day!!
Product: Bank account or service

On XXXX/XXXX/2016, I deposited my payroll check from my employer into my Wells Fargo checking account on XX/XX/2016 written off of a XXXX XXXX XXXX Ledger. Before I deposited my payroll check, I called Wells Fargo customer support to confirm when the funds would be available. The phone banker at Wells Fargo assured me over and over that the funds would be made available the next business day on XX/XX/2016. After the conversation with the phone banker at Wells Fargo, I went to the bank and deposited my payroll check and received a receipt from the teller which confirmed that the funds would be available the next day. I had no choice but to deposit the check into my Wells Fargo account since XXXX XXXX XXXX was already closed. I woke up the next day and logged into my checking account online and my check for {$280.00} was NOT available. So I called Wells Fargo to find out why they placed an invalid Deposit Hold on my payroll check after promising me that the funds would be available. I spoke to several Wells Fargo managers over the past few days, and they refuse to release the funds and told me to Refer to the Maker of the check by calling my employer. I contacted the HR department at my job on XX/XX/2016 and they confirmed that my check # XXXX for {$280.00} was deposited into my Wells Fargo account and the check was cashed on XX/XX/2016. I then went back into the bank and spoke face to face with a Banker at Wells Fargo and asked the banker to please release my funds that has already been made available on XX/XX/2016 and long story short, the branch manager refuse, telling me that there is a first time deposit hold on the check and I need to refer to the maker to ask them to do a Stop and Re-Issue on the check. Well I called my job and they can not do a stop and reissue because Wells Fargo already cashed the my payroll check and has placed a hold on the check and is misleading me by telling me to refer to the maker of the check as if something is wrong with the check. I have received and cashed checks from my employer many times with XXXX XXXX XXXX and other check cashing places in the past and I am certain that there is nothing wrong with my check. I work paycheck to paycheck and my husband is unemployed plus I am XXXX. If Wells Fargo holds my Paycheck this week, I wo n't be able to put gas in my car to make it to work and I am In training and can not miss any Days from work or I will be terminated. I have tried to contact Wells Fargo to Release this Deposit Hold and they refuse. 

According to Wells Fargo Verbatim definition of what a " Deposit hold '' is proves that my check was cashed. Plus, My employer has mailed me proof that the check was cashed and placed into my Wells Fargo Account. 

According to Wells Fargo 's Definition of a " Deposit Hold '', Deposit Holds mean a check has already been CREDITED to your account, but the funds are not available for your immediate use. So why is Wells Fargo Holding it 's Consumer 's Funds for no reason? 

Please Contact me at XXXX Thank you