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

I have recently been informed that there is negative information reported by XXXX XXXX XXXX Reported : XXXX XXXX, 2019 {$220.00} in the file you maintain under my Social Security number. 
No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protection 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, DEPTEDNELNET : XXXX, DEPTEDNELNET : 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 an 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

I have been trying to remove some hard inquiries off of my credit because I did n't try to open the accounts and the investigation took to long and never removed the stuff off of my credit
Product: Debt collection

transunion will not provide me iwth the opportunity to dispute or correct inaccurate information on my account.
Product: Student loan

The Department of Education/NELNET is showing that I have 6 late payments, not sure why it's showing that I have 6 late payments when I am in a repayment plan. I've called the Department of Education/NELNET and asked them about this issue and was told that they did not see any late payments that my loan was showing current. Please remove this immediately because it is causing negative marks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status is closed/charged off and still hurting my scores.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : [ XXXX XXXX ] [ Account creditor : XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XXXXXXXX XXXX XXXX, I was approached by a contractor to have some home improvement completed at my home. I informed him that I was unable to pay for the project he was suggesting I needed. I was told I could finance the project using a loan from GreenSky. The merchant strongly suggested I get a loan using an app on his phone. He asked me a few questions and said that I was approved. I was not made aware of the terms of the loan by the merchent nor were they explained to me in detail by a representative from GreenSky. Although I was totally not satisfied with the work, I started making payments to GreenSky because I did not want to damage my credit. The payments are causing me financial hardship. GreenSky 's lending practices are predatory and something needs to be done.
Product: Vehicle loan or lease

i already have a complaint for ally financial the complaint number is XXXX  i dont know who else to turn to  i have spent this last week on the phone with ally financial at least 20hours no lie  and i have gotten no where! I paid the month of XXXX  late this month  but i paid it last thursday  and now they are saying im still late that i owe for XXXX  also,  This information is not correct.  my credit report even shows im not wrong.  I got a 2 extensions on this loan and make a partial payment and the rest would be on a deferment and the payment goes to the back of the loan.  In XXXX  of last year they keep saying i skipped a payment.  this is not correct,  i did the deferment  i even paid them XXXX  too much and ally financial mailed that back to me ally cant seem to grasp this and keeps saying i never paid the payment.  I keep telling them what happeed and i did a deferment but they cant seem to get it and keep asking me for another payment. I refuse to pay themXXXX in the month of XXXX  i paid them 3 payments if anything i am ahead at least one payment  also my loan amount is XXXX   the loan is 72 months i paid 46 payments and out of 46 payments only like XXXX  went to the princial..  this is outrageous.  this is not even XXXX  towards my payment every month, I am so upset and outrgaed.  i paid almost XXXX   and only XXXX  went to the principal im outraged.  also when i  first got this loan i paid 7 months and they applied 0 to the princial and they kept the entire payment,   thats not right something is wrong with this!!!!!  im aftaid if i dont pay the amount which they are saying i owe. (Which i dont owe) they will reposses my car and i need my car.  i have XXXX boys and i am always running them for school and sports  please help me  i have called them several times and like i said i have spent hours and hours on the phone with them i cant do it anymore  the end of the conversation ends with them saying i will get a call back  and no one calls me back
ally financial loan account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : XXXX XXXX XXXX XX/XX/2023 TD AUTO FINANCE XX/XX/2023 XXXX XXXX SERVICES XX/XX/2023 XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file. These late payments are erroneous and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for account XXXX are inaccurate. I have been enrolled in autopay and have consistently made payments on time. 
Violations of Consumer Rights : Fair Credit Reporting Act ( FCRA ) : The reporting of false late payments violates 15 USC 1666 ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate accurate reporting of credit information and ensure the maximum accuracy of consumer files. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting these inaccuracies may constitute a violation of the FDCPA, which prohibits misrepresentation of consumer account information.

Truth in Lending Act ( TILA ) : These inaccuracies violate the TILA, which ensures the accurate disclosure of credit terms and conditions. 
Civil Liability : Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline damages for willful and negligent noncompliance with FCRA requirements. 
Account Details : Account Number : XXXX High Balance : {$15000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Account Status : Open Payment Status : Current Creditor Type : Personal Loan Companies Payment Amount : {$320.00} Last Payment : XX/XX/XXXX Term Length : XXXX XXXX XXXX Payment History : 30-day late payment noted for XX/XX/XXXX ; 60-day late payment noted for XX/XX/XXXX. 
Discrepancies Identified : Inaccurate payment history : The reported 30-day and 60-day late payments are erroneous. 
Inconsistent " Date Opened '' and " Date Reported '' compared to prior records. 
Requested Resolution : I request that Experian conduct a thorough investigation, remove the inaccurate late payments, and update my account to reflect my accurate payment history of XXXX XXXX on-time payments. I expect to receive written documentation confirming the correction within 30 days. 
Thank you for your attention to this matter. Please let me know if you require additional information. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

CFPB Complaint in Response to WFM Letter dated XX/XX/XXXX This letter is in response to Wells Fargos findings after an alleged investigation of the facts. At the outset, Wells Fargo wrongfully alleges that I was not denied the Investors information. In support of its decision, Wells cites a Denial listing XXXX XXXX  as the Investor. 

The substance of my grievance is the wrongful denial, whether it was by Wells Fargo as the Servicer or XXXX XXXX  is immaterial as the denial was without basis. Curiously, Wells Fargo has not provided any of the records on which the wrongful denial was allegedly based income, bank statements, details of the analysis, criteria for approval, etc. Clearly, Wells Fargos alleged reconciliation of its unlawful practices is cosmetic and without substance. 

In lieu of providing the records on which the modification denial was based as repeatedly requested, Wells Fargo resent the identical letters from its alleged initial review and points to the name of the Investor in support of its decision dated XX/XX/XXXX. As a result of Wells Fargo only stating the Investor denied the modification request, I repeatedly requested the name and contact information of the Investor to directly challenge the denial. 

Notwithstanding, the name of the Investor does NOT satisfy its obligation to provide documentary proof in support of its denial. 
Equally untenable is Wells Fargos allegations that it was unable to reach me. I responded to all of its calls and letters. Wells Fargo has failed to mention which documents were not provided. 

Further, as mentioned in my complaint on or about XX/XX/XXXX, Wells Fargos argument that the denial on or about XX/XX/XXXX was based on the NPV is equally meritless because the NPV valuation took place more than 7 years after multiple wrongful denials beginning in XX/XX/XXXX. Wells Fargo can not hide behind a denial directly related to its 7 years of dilatory actions and wrongful denials.
Product: Vehicle loan or lease

Refinanced my vehicle with AutoApproveXXXX XXXXn XX/XX/2021 which was a nightmare in and of itself with terrible interactions with everyone at the company. Took 4 weeks instead of 2 days like they promised with a lack of professionalism in each conversation that's hard to imagine being worse. 

As part of the refinance they needed to issue a new title and paperwork so I can get a new license plate in the state of IL. They told me I would receive the paperwork and title no more than 10 business days after the closing. It's now mid XXXX and I've called/emailed weekly and asked for updates on when I can expect my paperwork, as I'm now unable to drive my vehicle as the title and license plate are not valid anymore. 

AutoApprove is a scam, have unhelpful employees, and are incompetent in delivering the contractually obligated items within their contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second written request asking the companies ( XXXX, XXXX, & Experian ) to provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to you disputing this item as erroneous and fraud on XX/XX/2021 and mailed it. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX-2015 Not my account Fraud account identity theft
Product: Debt collection

I didnt know about the {$160.00} dollars I owed after moving out of my apartment until it showed up on my credit report as a collection. I immediately called and paid the amount to the collection agency and asked that the report be deleted from my credit history. They told me they would update it. The report is still showing up on my credit and affecting my ability to purchase a home. I called both the original creditor and the collection agency to ask for a good faith deletion and told them I did not know about the money owed till it showed up on my credit report. They refused to request the credit bureau deleted the {$160.00} collection that I paid in full as soon as I knew about it from my credit report. I spoke with XXXX XXXX the client and XXXX about writing a request to have this satisfied debt of a small amount that has an outsized effect on my ability to purchase a home be deleted. They refuse to offer any solution.
Product: Credit card or prepaid card

My accounts at Capital One were closed. I tried to get it reopened and have escalated it to the office of the CEO, and I also tried other departments I was sent to, but they responded that they can't get it reopened. I still had other things that I needed to get done on my account and I was not given proper assistance. I again reached out to the corporate office with no response. Suddenly, I got a harassing letter that I have no right to contact the bank 's corporate office, anything I need should be through customer service. However, when I contact customer service they refuse to assist me. They blocked my calls, totally discriminating against me. 

This is the letter I emailed to the CEO : Dear XXXX, it's been some time since Capital one has made their senseless decision to close my accounts and to part from a long time relationship. However, immediately upon complaining to your office, for some reason the company started to discriminate against me in a very nasty improper way. Capital one is refusing to assist me through the regular customer service and when I try getting the att. of the leaders in the company, they fail to respond at all. They are also trying to harass me not to complain. This is in total violation of Visa policy and federal regulations. I have proof that there is a double standard. While others with closed accounts are being fairly treated, I'm not. I hope u realize the severity of this matter, I look fwd. that u will take serious action to rectify the situation in due course, to prevent ur org. from serious legal jeopardy, possibly seeking class-action status. I appreciate the opportunity to make u aware of my concerns. Respectfully, Mr. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX that I sent on XX/XX/XXXX to Investigate the Erroneous Account : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have made multiple attempts to reach out to Equifax to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Equifax has failed to follow federal laws as outlined by the FCRA. These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has also been ignored. I have proof of my letters being delivered on time through USPS certified mail. 
There is absolutely no valid excuse as to why Equifax has refused to respond. I would appreciate your help in resolving this issue and making Equifax comply with the federal laws made to protect consumers such as myself. Thank you.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my third request to the credit bureaus ( XXXX, XXXX, and Equifax ) to remove incorrect and unverified information from my credit report. Despite multiple disputes, they have failed to correct these inaccuracies, which is negatively impacting my creditworthiness and exposing me to potential fraud. 

Specifically : My report shows incorrect personal information, including an incorrect name ( XXXX XXXX instead of XXXX XXXX ), an old address, incorrect phone numbers, and inaccurate employment information. 
It lists multiple phone numbers that do not belong to me and a former employer that I am not currently associated with. 
Due to data breaches, I am also concerned about my date of birth and the last four digits of my Social Security number being exposed on my report, and I have requested their removal. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate and verifiable information. They are also obligated to correct inaccuracies promptly upon dispute. This failure to act has caused me distress and put my personal information at risk. I request the CFPBs assistance to ensure these credit bureaus comply with the FCRA and remove all incorrect information from my report. 

Desired Resolution : I would like the CFPB to ensure that XXXX, XXXX, and Equifax immediately investigate these inaccuracies, correct or remove the erroneous information, and confirm in writing that my credit report now reflects only accurate and verifiable data.