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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( 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 Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts 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. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your XXXX investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA in the event that these corrections continue to go uncorrected. 

- Equifax account # XXXX account opened on XX/XX/XXXX. 
- Trans Union account # XXXX XXXX  XXXX account opened on XXXX - Equifax account XXXX XXXX account opened on XX/XX/XXXX I am requesting that the following accounts be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally registered my business with Experian business around XX/XX/2022. They did not put my correct business address on the credit report so I requested a correction while providing the correct address. Months later the problem still is not connected and showing an incorrect address. I am literally getting rejected with funding and loans due to this error of information. They are literally holding my business back from getting funded. I tried calling and their business 's support line does not work properly, the email instructions say for commercial relations click 6 so I do and the system does not recognize the input. I called the experian help desk and they said to click 3 at that phone number so I did but that doesn't work either. So I tried speaking with a supervisor and I've gotten hung up on 5 times. This is entire experience is completely unacceptable.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Product: Credit reporting or other personal consumer reports

I have approved for burrowers defense case. I have been approved to have all my loans discharged. XXXX XXXX XXXX sent me a letter XX/XX/2023. Verifying all my student loans have been discharged. In the letter they indicated they need 60-90 days to delete ALL STUDENT LOANS FROM ALL XXXX CREDIT BUREAUS. I HAVE MULTIPLE DIRECT DISPUTES WITH THEM YET THEY ARE REFUSING TO FOLLOW THE LAW. I NEED THE TOTAL OF {$14.00} DELETED FROM ALL XXXX CREDIT REPORTS. XXXX LOANS NEED TO BE DELETED FROM MY CREDIT FILES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company for discover put a credit card on my credit I advised them this was fraudulent I also filed a police report being a victim of identity theft the lady from investigation said she as going to investigate so she contacted the officer he explained to her that I filed identity theft and if anything was to come up the report would be valid as everything wouldnt show up on my credit if someone stole my identity at one time she goes to tell me to call him and update I finally got a hold of him to update then she says well were going to mark it as valid since you said you knew about the account for a year I never told this lady I knew about this account for a year I told her I had no knowledge until it showed on my report and she called me about it and I told her to play a recording of me saying I knew about it and she refused she just wanted to close her investigation and place it on me is against law for me to have to pay for a credit card that I did not open and is fraudulent and I have filed a police report last year in XXXX being a victim and this account she stated was open in XXXX this is a fraudulent account and I would like for this to be removed ASAP as it is against my rights for XXXX for a discover card that is jot mine the lady was just mad because I told her Im not paying for anything that is not my debt and she said well you told us you knew I said lady when if I told her that why would she contact the officer and wait for me to add it to the report because they are lying trying to get money out of me for an account that is not mine
Product: Vehicle loan or lease

I bought a new Hyundai XX/XX/XXXX and traded in my old Hyundai to the dealership who in turn paid the loan off with my car and additional money I had to give them. I was told I was getting an overage check from Hyundai Finance but never received it. When I called Hyundai finance they said they sent my check to the dealership by mistake. I called the dealership and they said they never received it. I was told by Hyundai finance that I had to wait 30 days and to call back to request a new check. I called back in XX/XX/XXXX and was now told that the dealership had to call them and tell them to send the check directly to me. I called the dealership several times and no one would help me out. I finally was able to get the comptroller of XXXX  XXXX Hyundai dealership to call Hyundai Finance to let them know to send me my check. On XX/XX/XXXX the dealership finally called Hyundai Finance to issue me the check. I was told I would get the check in 2 weeks. I called Hyundai Finance today XX/XX/XXXX and was told in the notes of my case it has that XXXX XXXX dealership called to request that Hyundai finance release the check to me and then it said that on XX/XX/XXXX an email needs to be sent to a manager and no check was issued. I asked the woman why wasnt an email sent to a manager and she said that they were waiting for me to call and request this. I asked how would I know that an email needs to be sent and she didnt have an answer.

I have been getting the run around from Hyundai Finance for 4 months and have been doing everything they requested me to do in order to receive my check and every time I speak to someone there they give me a different answer and the run around. Please help me get my money from them. I am a XXXX yrs old woman and I have never had any problem trading in a car and receiving my overage check. I really need that money so I can pay some bills. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything on my credit report must be 100 % accurate. 

My account was properly investigated, according to the credit bureau, but how is that possible when the open date, date of last activity, and date of last report are all incorrect? 

This ground for evacuation likewise abused my freedoms under.I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A.Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account.Additionally, it took the credit bureau more than a month to finish my investigation. Here is my certified mail.tracking # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request that all accounts associated with the following entries be blocked and deleted pursuant to 15 U.S. Code 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ) : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$700.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$11000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$670.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$5400.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$170.00}
Product: Credit reporting

XXXX XXXX continue to harass me about a debt that I have no knowledge of. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this. Not only this, they called asking for my XXXX year old son and when I told them that my son was only XXXX the man replied " there 's no way that 's possible. I 'll find a better number to reach him at. '' They hung up on me and continued to call multiple times after that.
Product: Debt collection

Paid In Full! XXXX & XXXX  XXXX  XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX ; ( XXXX ) XXXX, a collection company, started to call and send letters regarding a commercial lease. We have asked for verification and upon the last letter the collection company did not provide proof that who they were collecting for was the correct entity. 

XXXX the original owner sold the property and dissolved the company. We had been paying a different entity since XXXX. When we brought this up to the collection agency, they responded with : " We have communicated with our client concerning your dispute. Please accept this response as verification of this debt that our client has provided. Our client advises as follows : His lease was and remains in full force and effect through and after the sale. We had a new tenant commence as of XX/XX/XXXX. '' They then added a new name for whom they are collecting for without providing proof of who is the rightful recipient of the debt. 

This has caused much financial distress for us.
Product: Checking or savings account

On XX/XX/21, fraud was committed on my checking and credit card accounts with Wells Fargo. 
{$7200.00} was sent via cash advance from the XXXX  credit card into the checking account. 
From the checking account, the perpetrator wired the {$7200.00} ( from the credit card ), along with around {$2000.00} ( from my checking ) to another account. A wire transfer fee of {$30.00} was charged to my checking, a {$360.00} cash advance fee & {$61.00} interest charge were charged to my credit card. Charges are still present & fees continue to pile on I reported this to WELLS FARGO on the day that this occurred & communicated that I did NOT authorize any of these transactions. Representative filed a claim and assured me that this issue would be investigated & resolved. Also, I was told that the issue would be addressed and my funds restored within 10 business days. I have called regularly to check in on the status but there is still no resolution. 

Despite Wells Fargo having years of transaction records for me, it still failed to identify and protect me from the fraud when it was clear that my bank accounts showed extremely irregular banking activity. 

The fraudster was able to gain access to my online Wells Fargo account by having my login, and proceeded to complete a cash advance from my credit card to checking account, and wire transfer thousands of dollars to a bank unfamiliar to me and to which I do not hold an account with, all without my consent. 

At no time during any of the transactions or before did any Wells Fargo employee or representative take any action to halt the cash advance or wire transfer or protect me from fraudulent activity related to my online account actions. 

Despite the extremely irregular and large transfers in a very short period of time, occurring in my Wells Fargo account and the unauthorized remote logins, Wells Fargo failed to timely act, secure and protect my money. 

Wells Fargo owed a contractual and fiduciary duty to protect my ( the consumer ) funds, due to the company breaching its own Deposit Account Agreement by failing to take proper action to stop the fraud and by failing to immediately recall the wire transfer, which Wells Fargo neither flagged or attempted to stop. 

In addition to losing the money I trusted to be secure in the Wells Fargo checking account and the amount of debt that Wells Fargo is expecting ME to reimburse them for ( my credit balance had been at {$0.00} and my payment status ( prior to this incident ) as reflected on XXXX was on time, never late for several years ), I have also suffered emotional damages including XXXX, XXXX, and XXXX XXXX XXXX. 

I accuse Wells Fargo of negligence/voluntary assumption of duty, breach of contract, and violating unfair trade practices and consumer protection law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get information removed from my report that was a result of identity theft. XXXX and XXXX have both abided by the laws outlined in rule 605B established by congress to help people in my situation. This verification was submitted over 2 weeks ago. As the provision clearly states all information must be blocked in 5 business days. This is willful disregard for both the law and the customer.

REMOVE OR I WILL FILE SUIT WITHIN 1 WEEK. I WILL ASK FOR DAMAGES SURPASSING {>= $1,000,000}. THIS IS ABSOLUTE AND BLATANT DISREGARD FOR MY FINANCIAL WELL BEING AND SO ON.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was notified through experian that a charge in the amount of {$7700.00} for an autoloan was reported and my score dropped XXXX. 

I contacted XXXX XXXX Consumer Reporting Department. 
They confirmed all payments are up to date and on time. The chargeoff reflects XXXX days past due payments. Which I have proof of timely made payments. 

XXXX XXXX said they will do some research and get back in contact.
Product: Mortgage

Ditech informed us in a mandatory One Time Private Mortgage Disclosure that as of XXXX 2016 that our LTV ratio based on the original value of our property was 77.5 %. We called in XXXX to enquire why the PMI was still being charged to our monthly payments, when we have the legal right to Automatic Termination when the LTV reached 78 %. Customer Services could not give any information, refused to connect us to a supervisor or to a representative from the Escrow Dept, simply stating that all PMI termination requests had to be made by mail to the Escrow Dept. We therefore wrote to the Escrow Dept, requesting Automatic Termination effective as of XXXX 2016 and a refund of the PMI charges made since XXXX. The Escrow Dept responded by mail in XXXX that this request was denied because we had not authorized an appraisal, which would be at our cost. We again called Customer Service to explain that our PMI should have terminated automatically ( as our LTV of 77.5 % was less than 78 % ) and that we were not requesting cancelation of PMI, which we understand may require an appraisal or BPO ( and which would only apply when LTV is between 80 % and 78 % ). The Customer Service agent was again unable to provide any help at all, could not understand the issue and proposed that we write again to the Escrow Dept, who would respond within a month. 
Ditech is clearly not complying with the Federal Law regarding the process for cancellation or termination of PMI, and through either incompetence or dishonesty are illegally continuing to charge PMI when they should have automatically terminated these charges. Given the high number of similar complaints already made to the CFPB about Ditech, this would appear to be a systematic issue rather than a one off, and therefore we consider merits a Federal audit or investigation to protect the rights of all Ditech customers.
Product: Debt collection

The company repeatedly refuses to send requested paperwork proving there is a debt. Gentleman keeps laughing and making veiled threats : '' " We already KNOW where you ARE!!! '' and " You 'd BETTER do a property search on your name and social security number! HAHAHAHA! '' and then hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting 2 civil judgements liens on my credit report from US Department of Treasury XXXX as open accounts. One for approximately {$100000.00} and the other for {$800000.00}. These are defaulted civil judgements. In 2017, the credit bureaus entered into a settlement agreement called the National Consumer Assistance Plan ( NCAP ). In that settlement, civil judgements will no longer be reported on credit reports.
Product: Debt collection

In beginning of XX/XX/XXXX XXXX XXXX received a bill from XXXX on {$4100.00} for services we never ordered and never received. We promptly called XXXX. Per their request we filed an identity theft claim by police and attached it to our official claim on their site. 
On XX/XX/XXXX we received by email a notice that our claim # XXXX was received. 
When another bill came in, we called the number ( XXXX ) mentioned on the emailed notice. It was a wrong number. After hours of pressing buttons etc., someone agreed to take the claim number and settle the matter. 
The bills continued to come. 
On XX/XX/XXXX a letter was send to us from a dept collector XXXX XXXXXXXX XXXX. on behalf of XXXX. We mailed them back an explanatory letter with a copy of the police report and XXXX XXXX notice that our claim was received. Never heard from them again. 
On XX/XX/XXXX and on XX/XX/XXXX two letters were sent to us from another dept collector, McCarthy, Burgess & Wolff where the " dept '' grew to {$10000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XX/XX/XXXX XXXX {$60.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$240.00} INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and i've noticed an error/violation that is making me extremely upset. I am aware that information thats furnished on my credit report must be 100 % accurate with no exceptions. By the provisions of the Fair Credit Reporting Act, I am demanding that this company cooperate with me on this, and this account is updated to reflect what's required by law. 

-This is a FDCPA false misreporting violation. Update this account to paid current as agreed. I was never late on this account, this is a violation to my rights as a consumer. Update this account to paid on time immediately as stated in the CARES act. 

XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses. 

XXXX XXXX Bank transferred my Nonpublic Personal Information to an nonaffiliated 3rd party ( Resurgent Receivables LLC ) and Teisha WITHOUT any of my lawfully authority.

The two companies mentioned above shall be fined under Gramm-Leach-Bliley Act {$100000.00} ( PER VIOLATION ). 

I, XXXX XXXX, did not give any written instructions nor permission to XXXX XXXX Bank to transfer my personal information nor sell my account pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) both companies will be held Criminally accountable. Facts!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct this. I have received SEVERAL calls from XXXX XXXX regarding this matter and STILL not resolution. ACTUALLY it is now WORSE. Spoke to someone Friday, they told me to dispute, spoke to another person the same day told me NOT to dispute that it would correct over the weekend feed? NOW today someone else calls from XXXX with no obvious knowledge of ANY calls and tells me it is ok now.? Well it is NOT, it is NOW worse. AND STILL SHOWS A BALANCE? What is going on here. Now it shows REPOSSESSION??? which was NOT there before ONLY XXXX   is showing this. I called them again today and they said XXXX sent them the information? And still a XXXX balance on my report. this has NOW cost me on my new car loan {$60.00} more per month because of this error/ Multiply that by 72 months ... .MORE THAN THE ORIGINAL AMOUNT EVEN OWED. Tired of the runaround and the false promises. I have tried to call XXXX ... 7 times today ... and have gotten NO WHERE. i want this resolved NOW ... .do i need to get legal representation to resolve this?? I want a CALL TODAY by XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX  XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX