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

I am writing to file a formal complaint against [ EXPERIAN ] for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : [ XXXX  Account Number : [ XXXX ] Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EXPERIAN ] has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of [ EXPERIAN ] to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against [ EXPERIAN ] for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EXPERIAN ] upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

We entered into an agreement with our servicer on new payment terms for our mortgage through email with our attorney and their attorney. The servicer agreed to adjust our interest rate, reduce the unpaid principal balance, adjust our monthly payment amount, correct our property address and offered us a settlement amount of {$18000.00} in exchange for us dropping our law suit against the servicer with prejudice. The servicer than produced a formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) that provided language that we did not agree to. There was also an issue on who " relevant parties '' are regarding the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ). We exchanged emails with the servicer 's attorney to change the language in these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), but the attorney did not agree to changing the language and told us if we did not sign these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we would not have an agreement. The CFPB has found that these agreements are not required for the servicer to grant homeowners a loan modification. The servicer is now attempting to foreclose on our home because they will not grant us a loan modification without signing these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) and never adjusted our interest rate, unpaid principal balance, monthly payment amount, corrected our property address and did not pay the settlement amount of {$18000.00}. As part of the agreement, we had to non-suit our lawsuit with the servicer with prejudice. Since the servicer 's attorney informed us that there is not an agreement if we did not sign the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we non-suited our lawsuit without prejudice. The servicer 's attorney filed a motion to get the judge to force us to honor the agreement and changed our non-suit to with prejudice. We did appeal the trial court 's decision and the appellate court ruled we did have a valid Rule XXXX agreement but that the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) exceeded the scope of the Rule XXXX agreement. The servicer has still not provided us a loan modification as agreed and plans to proceed with the foreclosure. The servicer had posted our home for foreclosure sale on XXXX/XXXX/2016, but we filed a temporary restraining order. That TRO expired on XXXX/XXXX/2016. Our home has now been listed for foreclosure sale for XXXX/XXXX/16.
Product: Checking or savings account

My husband XXXX in XX/XX/XXXX. Wells Fargo Bank allowed my stepson to put a death hold and freeze on my husband and my joint checking account on XX/XX/XXXX after my husband XXXX. My stepson went to the bank using my husband 's outdated will stating that he was the executor of my husband 's will ( he was not, my husband changed his will and I was the executor ). For two months this account was frozen and it was only released by Wells Fargo when my attorney threatened Wells Fargo with legal action. My stepson had asked the judge of probate to freeze this account on XX/XX/XXXX and when the judge refused because the account was in survivorship to me the stepson went to the bank with the outdated will. Wells Fargo should never have allowed this to happen. I would like a written report of what happened that Wells Fargo allowed the stepson to interfere with this account when his name was not on the account. I believe that fraud was committed and I would like a written report of what happened. Wells Fargo has been uncooperative and will not answer questions. I believe that I deserve a report of what happened that an unauthorized person was allowed to freeze my account. XX/XX/XXXX and XX/XX/XXXXat Wells Fargo worked on this complaint. The case number is XXXX and the reference number is : XXXX.
Product: Mortgage

Reference CFPB Complaint XXXX Considering this company 's history of not disclosing information appropriately to consumers as noted in the finding of the consent order issued by the CFPB in XX/XX/year>, I am shocked that further review wasn't completed to assess the issues involved in this case in which the actions, lag of response, lack of proper communication, and lack of any attempt to rectify the issue and allow me a good faith effort to become current. 

SLS has also added undiclosed fees every month, which only adds to the difficulty of catching up. 

Not only that, it seems that this company made has made it extremely difficult to understand how to procede with any of its proposed processes. I challenge any normal, non-finance person to understand the statements. I also challenge anyone to understand why the company can't reply to an online message with simple instructions. 

The actions and non communication by SLS has directly caused me stress and harm. 
The denial for assistance states that it was not accepted due to the account being over 90 days past due. Your application states that you require proof of change in income, which I provided. I submitted multiple requests in writing for clarification with no answer until it was canceled. I am not asking for anything outside of a good faith attempt to put my mortgage in a forbearance and I've offered to get the loan within 90 days over time, or reset the amortization to that point in XXXX when this started. I would not have filed this dispute of you had not sent a letter saying you may foreclose no matter what payments I send. 

As far as I know the company did not acknowledge my grievance until I filled this case with the CFPB. Iknow the representative documented it but she simply said it didn't mean anything. he company did not explain why I was never told there was a 90 day requirement for assistance. I can not determine what the process is for a successful forbearance. I applied for assistance because of a hardship. but had I known the requirements or had guidance I would have made different arrangements and would be in a easier position to manage. 

I can tell by the previous CFPB findings and the XXXX  complaints that this company does not care about cusotmers making a good faith effort to keep their home. I do not think it's unreasonable in these economic times to request a modification that would allow me a resonalble payment and to keep my home.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX and Diversified Adjustment Service , Inc. is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX and Diversified Adjustment Service , Inc. the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they definitely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX and Diversified Adjustment Service , Inc., XXXX XXXXXXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX and Diversified Adjustment Service , Inc. never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Dear ATG Credit , LLC, This response is not proper validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The Enrollment Agreement and XXXX XXXX XXXX  you provided do not constitute a contract that binds all parties, nor do they serve as legal proof that I owe this debt. 


Since ATG Credit , LLC is a third-party debt collector, you are required by law to provide proper validation of this alleged debt, which includes : 1. The original contract bearing my wet ink signature, proving my legal obligation to pay.

2. A full itemized accounting of the alleged debt, including all payments, fees, and interest calculations.

3. Proof of your legal authority to collect this debt, including an assignment agreement or purchase agreement from the original creditor. 


Violations of the FDCPA and Other Consumer Protection Laws By failing to provide proper validation, ATG Credit , LLC is in potential violation of multiple consumer protection laws, including : 15 U.S.C. 1692g ( b ) Prohibits further collection activities until proper validation is provided.
15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations, including misrepresenting the legal status of a debt.

15 U.S.C. 1692f Prohibits unfair or unconscionable collection practices.

15 U.S.C. 1692j Prohibits furnishing deceptive forms that create the false belief a third party is involved. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 Prohibits furnishing inaccurate information to consumer reporting agencies. 
Consumer Financial Protection Bureau ( CFPB ) Regulations Requires debt collectors to provide complete and accurate information when verifying a debt. 

Demand for Deletion and Cease Collection Since ATG Credit , LLC has failed to provide proper validation, I formally demand that you delete this debt from my records immediately and provide written confirmation that you will cease all collection efforts. Additionally, I reserve the right to pursue legal action for FDCPA and FCRA violations. 
Sincerely, XXXX XXXX PLEASE SEE THE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent a formal 609 letter disputing many inaccurate accounts to XXXX, Equifax, and XXXX. It has been well over 30 days and I have yet to receive any correspondence or updates from any of my inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to cosign tor my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit again and on one of those credit sites and there are some things on there that are not mine. I have reached out to the FTC and to my local police department and I am doing this all on my own. These need to be removed XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, Rap lie and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit Thank you
Product: Debt collection

National Credit Adjusters called my mobile number Monday, XXXX XX/XX/XXXX. They claimed on the phone call that they purchased a debt from a company called XXXX XXXX. Apparently on XXXX XXXX XXXX XXXX XXXX provided a loan to an individual in XXXXXXXX XXXX in the amount that is now owed of, {$3100.00}. I don't live in XXXX and never have. I live and work in XXXX for the XXXX XXXX XXXX, at one of its Agencies. XXXX XXXX gave this loan to either an XXXX XXXX or XXXX XXXX at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX. They claimed to be me, and used an alias email at XXXX. The Account # with NCA is XXXX. The Account # with XXXX  XXXX is XXXX. NCA provided me all of this information. I'm filing charges against NCA and XXXX XXXX for the following reasons : 1 ) XXXX XXXX never pulled my credit file to see that I have an active Identity Theft Alert on my credit files. 
2 ) XXXX XXXX never called my mobile number to confirm that I was asking for the line of credit, as is required per the directions on all of my credit files. 
3 ) NCA purchased the debt to collect from XXXX XXXX and did not conduct their due diligence by pulling my credit file, nor calling my number to confirm this is a legitimate account. 
4 ) NCA admitted to me on the phone call on Monday, XXXX XX/XX/XXXX, that XXXX XXXX never reported the supposed claims that I had an active loan with their company for the past 16 months ; even though this request has never come from me. 

This looks like financial fraud to me. I'm reporting both companies to the CFPB. I intend to prosecute both companies to the full extent of the law, including up to filing an arrest warrant in a court of law, for corporate executives at both companies. They are taking advantage of an identity theft victim by calling and purporting a false claim of an existence of a loan that never occurred, and are trying to bamboozle monies from my coffers to satisfy their lust for breaking the law.
Product: Checking or savings account

My debit card was used in XXXX at a business called XXXX XXXX on XX/XX/1921 at XXXXXXXX XXXX. I have thorough physical evidence of XXXX plane tickets on XX/XX/XXXX going to XXXX  XXXX. I did not make nor authorize this purchase. I called my bank- America First credit union and cancelled my cards as my card was stolen and filed a dispute. My bank said they would give my money back and then did not, my account is still in the negatives. I tried calling said XXXX XXXX after receiving a letter in the mail from my bank with their information on it and received no reply. I called my bank and they said they would not do anything even tho I have proof I was not in the area and could not physically give anybody authorization to use my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The former XXXX account number is XXXX, and this account is reporting to my Transunion, XXXX, and XXXX credit files. XXXX is in violation for the Fair Credit Reporting Act by reporting inconsistent and inaccurate information to my credit reports. They have also reported this account as closed XXXX times, once in XX/XX/XXXX and then again in XX/XX/XXXX when they updated the negative account data. 


This account with XXXX was paid in a settlement on XX/XX/XXXX. There are several discrepancies with how XXXX is currently reporting this account to the three credit bureaus. XXXX is reporting the charge off status date as XX/XX/XXXX on XXXX and Transunion, but reporting the charge off status date as XX/XX/XXXX on XXXX. They are reporting the loan in three different ways ; Charged off on my XXXX report, Paid or Paying As Agreed on Transunion report, and Legally Paid in Full for Less Than Full Balance on my XXXX report. They are also reporting XXXX negative months on XXXX, but only 7 negative months on Transunion and XXXX. See attached inconsistent account reporting information from credit reports. 

XXXX has continued to update this account negatively and inaccurately to the credit bureaus for XXXX additional years after the account was paid in a settlement. XXXX sent me an email admitting that they had been incorrectly reporting the account, but they still refused to remove the inaccurate account. They sent the attached email to me on XX/XX/XXXX saying that I had satisfied my settlement obligations. Why did they continue to report this negative account status until XX/XX/XXXX? 

On XX/XX/XXXX, I received several alerts and the attached emails stating that XXXX updated my account with late payments. XXXX has continuously failed to accurately report this account to the various credit bureaus throughout the present. This account had not had any reporting updates since XXXX, but now they have updated the account with recent late payments which decreased my credit score by XXXX points. This account should not be reporting new late payments when the account was paid off in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau refuse to remove account and incorrect information on my report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 

Account Name : XXXX XXXX XXXX Account XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 

INQUIRIES 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 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 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/XXXX I believe these items are either inaccurately reported or have already been resolved, and Im requesting a thorough investigation and correction. Ive already reached out to the credit reporting agency and the data furnisher, but the issue remains unresolved. Ive attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please review this matter promptly and update my credit report to ensure it reflects accurate information.
Product: Debt collection

About two weeks ago, I recieved a call. The caller didnt identify herself clearly however asked for me repeatedly. She asks for my name and address. I told her Im not sure what this is regarding but to send a dunning letter regarding the debt ; to which she stated she didnt know what that was and hung up. To date, XXXX XXXX XXXX has placed a collections account on my credit report without send a required letter of validation to verify the validity of this collection. I also filed a complaint XX/XX/2018 with the Federal Trade Commision acknowledging my identity had been tampered with.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Requested a pay off letter reflecting paid in full and closed. XXXX sent a {$0.00} balance letter but still reflects the account being in discharge status instead of paid and closed as requested by me. The letter is also written in deceptive practices showing at the bottom of the letter stating " This is an attempt to collect a debt. This is definitely not a paid off letter. I honored my responsibility by paying off the debt. XXXX should do the same by giving me a true and honorable letter of paid in full.
Product: Mortgage

There was a complaint filed on XXXX XXXX against Bank of America Loan # XXXX. Complaint # XXXX. We were denied 5 different programs that we qualified for. MORES, MAKING HOME AFFORDABLE, HAFFA, HARP, ECT. After the complaint was filed they sold the mortgage to XXXX Mortgage company without resolving the modification issues. We have been charged 10 or more fore closer fees without proper cause. We are requesting these fees to be removed and modification granted/