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

XXXX XXXX XXXX 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 XXXXXX/XX/year> Subject XXXX Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear XXXX, This will be my final attempt to dispute the inaccurate information that has been reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations.

Per 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within 5 business days. No such notification was provided to me. 
I would also like to bring to your attention the ongoing lawsuit against XXXX filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues.Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. 
I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. 
Failure to comply will result to me seeking {$XXXX} per violation found on my consumer report Thank you XXXX XXXX XXXX
Product: Debt collection

I had a few past debts. I paid them with the settlement agreement. It was wired from my bank to theirs. They are refusing to give me a paid in full receipt. Stating they have to put a hold on it for up to ten days. I have a family of XXXX. I just gave them almost {$1700.00} to pay them in full. I need this receipt because we 're poor that exhausted most of our funds. We 're trying to get a house loan, they need the paid in full receipt to add to our case, the debt collector is refusing to send me anything. I 've called a few different times requesting this since Wednesday XX/XX/XXXX2016, when the funds came out of my account. They 've been rude, said they 'd send me a letter to respond to so they could send me a transaction notice, but I have n't received that either. I need this receipt now. Please help
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. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

I appreciate your assistance in removing some fraudulently obtained information from my credit file, but there is still something I provided along that has to be removed or banned. Credit Bureaus are required by FCRA section 605 to remove any records that are on an ID THEFT REPORT. I am including this report again since I proactively remembered it from a previous correspondence. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Was taking advantage of due to malpracrice while several laws have been broken under the FCRA by your company.This has caused me financial injury and deformation of character. This is preventing me from applying for credit and getting loans
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL INQUIRIES AND ACCOUNTS THAT WERE PLACED ON MY CREDIT REPORT THAT WERE FRAUDULENTLY APPLIED FOR AND OPENED IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

This debt was deleted but opened back up. I didn't not receive a letter of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX UNIT XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX
Product: Debt collection

In 2014 I purchased a bed and accessories from XXXX XXXX which was serviced by XXXX XXXX on a merchant 's store credit. In addition, I paid for accessories by separate individual credit card not associated with the store, XXXX XXXX or XXXX XXXX. Upon delivery, it was discovered that the salesperson at the store had incorrectly allowed for the size of the bed frame built in to my bedroom. While the installers were still on the premises both the installers and I placed calls with regard to this situation. The installers were instructed by their company to return all items and cancel the transaction. XXXX XXXX advised me that the transaction was being cancelled and reversed. All accessories purchased separately by me were returned to the store and I was advised that ALL charges would be reversed. I eventually received a refund for those accessories. Since then, XXXX XXXX has attempted to re-charge me for the returned accessories or other items. I have communicate with multiple debt collection services over the years and with XXXX XXXX. XXXX XXXX continues to report this as a debt and has damaged my credit standing significantly for several years. This ongoing attempt to collect a non-existent and false debt has amounted to harassment. At this point, I intend to file an action against both XXXX XXXX, XXXX XXXX and any debt collection agency in accordance with the provisions of the FDCPA, FCRA and state laws governing attempts to collect a debt not owing and damage to my credit standing.
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 ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Mortgage

I have had a reverse mortgage being serviced by Celink for over a year. In XXXX of this year, I sustain damage from a hail storm. 
Celink is VERY difficult to deal with. I had a local contractor replace the roof which was paid for by XXXX XXXX. The check was made payable to me and to the mortgage company. 
Celink tries top force you into operating via their website, Hold times are always over 30 minutes, usually 45 minutes to an hour. Their answer messages are long and unhelpful. Even though I select the correct response to get through to my team, the calls are always trunked to someone else who has to transfer the call. 
When I do get through, I am always put on hold so that the agent can check on something. While I wait, the call is dropped. They never call back. 
I contracted with a local roofer, XXXX XXXX, to reroof the house. XXXX completed his work on XX/XX/XXXX. The inspection was completed on XX/XX/XXXX. I verified with Celink that all of the documentation is in. I have not received a final check to pay the roofer. 
I can not help but think that CELink is not a good actor in mortgage servicing. 
I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As notified before, I am a victim of identity theft
Product: Debt collection

Equifax : acct 6519 you stated that you updated this account its not on your credit report so how did you up date it .I have a complete copy of my report from you. under 15USC1681 { 4 } this law states I have a right to privacy so This is my right remove this account if its posted on any other credit reporting companies remove it at once This tells me that you didnt do any thing to this dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited all documents since 2018 to current that the account was included in my bankruptcy as well sent in the docket information as well. They sent me a letter telling me that they would update the statues and never updated the information. As well account was paid off the through chapter XXXX and is reporting as a collection in my report this is inaccurate information. Ive asked them to correct this several times my next step is to contact my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about XXXX XXXX  XXXX reporting my account to credit bureaus as delinquent during the conclusion of my Covid-related forbearance, while they were considering my loan for modification. 

My account should not have been reported delinquent. I followed every step correctly in the months leading up to the end of the forbearance period, asking repeatedly on calls and emails if I should end the forbearance early in order not to affect my credit. I was told to wait until the end of that period and that I would be given options on what to do at that time. 

It took about two months for XXXX to get me set up for the three-month period of reduced payments to see if I qualified for loan modification. Those three payment were made on time. Then it took another two months to receive the loan modification offer, which I was not satisfied with, so I ended up paying the full amount due and making my account current. 

The purpose of the Covid-related forbearance was supposed to be to allow people like myself, who lost most of their income during Covid, to have considerations that would NOT affect their credit. However, they reported my account delinquent even though I properly followed all the steps and was in constant communication to make sure that did not happen. 

Now I find myself wishing to sell my property and purchase another one, and I may have difficulty getting a mortgage due to the actions of XXXX. 

I have requested several times by phone and once in a faxed letter on XX/XX/2022, which they acknowledge receiving, that I want them to correct the information to show that my account was not delinquent during the time I was waiting for them to determine if I qualified for a modification, and then while I fulfilled the requirements for modification. 

Thank you for your assistance in getting this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor has failed to validate a late payment. The refused to send me anything in the mail to validate this debt. XXXX and XXXX removed this account due to an error. This company has not been able to validate the debt. Ive noticed Ive been violated pursuant to the FDCPA, there is evidence of the use of abuse, deceptive and unfair debt collection practices. These practices resulted in infringement of my intellectual property rights. According to 15 USC 169c ( c ) ( 2 ) and 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states consumer reporting agency CAN NOT furnish an account without my WRITTEN consent and I am demanding all of the following : -Stop illegal negative reporting to ALL consumer reporting agencies and report positive reports or remove this account from my consumer credit report. Remove late payments from XXXX of 2022 -Balances XXXX  out every month -XXXX XXXX
Product: Checking or savings account

Four months ago, I called Wells Fargo and had them block XXXX XXXX from taking autopayments from my checking account. The reason I did this was because, even though I had canceled my XXXX XXXX XXXX XXXX, the company was continuing to withdraw funds from my Wells Fargo account. During the phone call, a Wells Fargo representative assured me that they were blocking XXXX XXXX, and that the company would no longer be allowed to access funds from my account. I thought this would solve the problem. Yet Wells Fargo has since allowed XXXX to take three {$170.00} withdrawals from my bank account, on XXXX XXXX, XXXX XXXX, and XXXX XXXX, with no end in sight. I have repeatedly contacted both companies by phone and in writing throughout this period of time, yet these unauthorized transactions continue.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

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

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I just noticed unauthorized inquiries on my credit report today, and I cant figure out why theyre there. I always review my credit report regularly, but these discrepancies came out of nowhere. I refreshed my browser, thinking it might just be an error, but the issue persisted. Im extremely upset and demand a careful review of the documents Ive provided so I can stop worrying about this.
Product: Money transfer, virtual currency, or money service

I am unable to let my loan take a payment from my account automatically
Product: Debt collection

I still have not received any correspondence from this credit is reporting to my credit report stating that I owe a debt to them and I have no clue who they are. This negative reporting is impacting my credit score and preventing me from achieving my financial goals. I do not know about a debt to this creditor and I would like for them to submit to me the documents to state that I owe there company a debt. In the state of Maryland it is not legal for a third party to report to the credit bureau about a collection that they brought from XXXX and trying to receive additional funds from me. This debt was paid for by the third party back when they first reported to my credit report.
Product: Vehicle loan or lease

My vehicle loan is currently paid in full. I have emailed ALLY twice so far ( XX/XX/XXXX and XX/XX/XXXX ) and have received no response. I have called them on XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, and twice on XX/XX/XXXX. On the last call, ALLY claimed they had not received an odometer statement from the dealership. That was found be be a lie and the dealership emailed another copy of the document, yet again. I have filed a XXXX  complaint to get this fixed, and Ally financial responded to the XXXX  with " Due to privacy concerns, we are unable to provide you with any additional details in this matter. We thank you for taking the time and effort to bring this issue to our attention. If we can be of further assistance, please contact us at XXXX. ''
Product: Debt collection

Call at all times of the day. Morning and night and weekends from different numbers. This is not my debt.
Product: Payday loan, title loan, or personal loan

I have previously contacted American First Finance about this issue, and they mailed me some letters. After I filed an original complaint with the CFPB a representative from American First Finance LLC called me and informed me that it was fully aware of fraudulent activity involving the online merchant, XXXX XXXX XXXX, and that it would no longer process applications for credit in my name from XXXX XXXX XXXX and/or request credit reports from the major or sub-prime credit reporting bureaus. But just two weeks after receiving that promise by phone call American First Finance submitted another request for a consumer credit report on behalf of an Identity Thief applying at XXXX XXXX XXXX again! And this time, in spite of my having a credit report freeze in place at XXXX, XXXX released a credit report to American First Finance. And by a letter dated XX/XX/2023, American First Finance reported to me it took that action again regarding Account XXXX. The CFPB must implement some enforcement actions against American First Finance and implement and/or enforce rules concerning the Major and Sub-Prime Credit Reporting Bureaus . Such as requiring major credit bureaus to inform their sub-prime credit bureaus they own or are affiliated with that the consumer has established a freeze with them and they must honor it too. To enhance the rule, before releasing a consumer credit report to any entity ( except court ordered releases ) a sub-prime credit reporting bureau shall ask its Major credit reporting bureau if the consumer has a freeze in place. If they are told " yes a freeze is in place '' then it shall not release a credit report and shall inform the finance company or requestor that a freeze is in place and they must inform their customer that he or she must unfreeze their report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX