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

Equifax ; XXXX  and XXXX should not be reporting a chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was XXXX and on XXXX XXXX. My wife had power of attorney and she called XXXX to make payment arrangements on this account however, the representative she spoke with told her that she did not have any authority to discuss any matters regarding this account on my behalf because she was not listed on the account. This is completely false. Power of Attorney gives her the legal right to negotiate on my behalf regarding financial matters while I was XXXX. We used the entitlements listed in The Servicemembers Civil Relief Act ( SCRA ). The SCRA clearly states if any of the benefits under the SCRA are used : The delay of payments wont reflect on a credit report. This false reporting of a chargeoff is seriously harming my credit score. Consequently, this account needs to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate.

The disputed item is as follows : 1. Account Name : [ XXXX XXXX ] Date Listed : [ XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX XXXX Date Listed : XX/XX/year> This information is inaccurate for the following reasons : [ Explain briefly why you believe the information is incorrect, e.g., " I have no record of this account, '' " The balance reported is incorrect, '' or " This account was resolved on [ specific date ]. '' ] Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Notice To Update My Personal Information To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. As there are a series of inconsistent, inaccurate and false information showing based on my observation. 

Please update my ONLY address to : XXXXXXXX XXXX XXXX XXXXXXXX XXXX AL XXXX REMOVE THIS NAME XXXX XXXX XXXX XXXX REMOVE this address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX REMOVE THIS EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is I do not wish to have employers listed on my report for my safety and privacy I do not wish to have any telephone numbers on my report. 

I do not have any other names or aliases and I do not desire any other names or aliases to be retained or reported on my credit profile. I do not have any other address or addresses associated with my name other than the address listed above. 
Please remove all the other addresses, names, social security numbers and phone numbers from my report, as they are not deliverable to me by the U.S. Post Office, or they are not associated with me and are not reportable as per FCRA, since they are inaccurate. Please send me my updated credit report showing these corrections made. Looking forward to your response. 

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

I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. 
I am contacting you as a victim of identity theft directly linked to the XXXX data breach, which compromised my personal information and has severely impacted my credit standing. My credit report now reflects multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decrease in my XXXX credit scores. Please Remove Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I took out a mortgage loan with Wells Fargo Bank, N.A. for the amount of {$390000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rate were higher than promised ; and it only kept increasing. I Defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgaged from Wells Fargo Bank, N.A. to XXXXXXXX XXXX  XXXX. On XX/XX/XXXX, XXXXXXXX XXXX   started a foreclosure action against me for the amount of {$380000.00} which is about XXXX from the original mortgage 2 years earlier but I already had paid over {$60000.00}. How is that possible? I also never receive any Bank Statements from XXXXXXXX XXXX. 
I tried to resolve the problem with the lender to give me a chance to catch up with the payments when I defaulted, but they declined. I also submitted a loan modification application on XX/XX/XXXX which I received a denial letter from Wells Fargo dated XX/XX/XXXX, how is that possible? They don't even review my Loan modification application for assistance and they denied it. I haven't even receive a Notice of Sale saying that my property is for Sale now. It seems like they do not care whether I paid back or not, they just want me out of my house which I am trying to repay. I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
Product: Mortgage

Hello my name is XXXX XXXX and I am making my monthly mortgage payments to the company Loan DePot. I have been trying since XX/XX/XXXX to get a Loan Modification due to hardship. I was married and divorced in XX/XX/XXXX. Due to no longer having the additional income I advise Loan Depot I would like to modify my mortgage. I was behind in payments but I am currently caught up. My problem is that I feel the loan company is giving me the run around. I have submitted paperwork to them at least 3 times with them stating that I have missing information but I did submit all information they requested the first time, they even stated that my signature was missing and has me redo the forms all over again stating they dont mail back paperwork. So as of XX/XX/XXXX after sending the information for the 3rd time I received a letter from them dated XX/XX/XXXX that as of XX/XX/XXXX that all the needed paperwork was received and no further documents where due at that time if more paperwork was needed they would contact me within a month. Well on XX/XX/XXXX I reached out to loan depot inquiring on my status, well a few days later I received mail basically saying I need to submit all the paperwork all over again because the information I provided has expired. I have tried reaching out to them but when I get transferred to that department no picks up the phone. 
I just want to keep my home and I just really feel like they are giving me the run around and hoping I get to the point where I start making late payments again. I am trying real hard to stay current but I need help I need this modification.
Product: Debt collection

Name of Company : XXXX XXXX XXXX ( XXXX  ) and CACI Address : They refused to provide it Phone Number XXXX Website XXXX XXXX XXXX Complaint Details : 1. Debt Collection Practices : I am writing to file a complaint against XXXX XXXX XXXX ( XXXX  ) and CACI for potentially illegal debt collection practices. I received a phone call on XX/XX/year> & XX/XX/year> from a CACI representative XXXX and Manager XXXX regarding an alleged debt. During this call, the representative : Engaged in harassment and abusive conduct : This includes mocking and laughing at me, and using threatening language regarding reporting the alleged debt to credit reporting agencies without proper verification, even after notating my verbal and written dispute. 
Refused to provide information about the alleged debt : I was denied details about the origin, amount, and basis of the debt unless I first provided my date of birth and social security number, which is a violation of my consumer rights. 
Failed to properly identify themselves : The representative did not clearly state their name, the company they represent, or the purpose of their call as required by law. 
Refused to provide the mailing address of XXXX XXXX XXXX : Despite claiming that XXXX XXXX XXXX is the " owner of the debt, '' the representative refused to provide their mailing address, hindering my ability to communicate directly with them and further investigate this alleged debt. This refusal violates my right to dispute the debt directly with the current creditor under the FDCPA. 
These actions are consistent with the CFPB 's findings in their lawsuit against XXXX, where they found that XXXX and its affiliates " allowed third-party collection companies to deceive consumers and placed or sold debt portfolios to collection companies engaged in unlawful behavior. '' The CFPB specifically cited instances of false threats and misleading statements made by XXXX 's third-party collectors, mirroring the conduct I experienced. 
2. Debt Validation : I requested validation of the debt, including : Complete identification of the original creditor Account number and date of origination Detailed accounting of the debt Copies of all supporting documentation Despite my request, this information was not provided. 
3. Michigan-Specific Concerns : I am a resident of Michigan and believe these actions violate the Michigan Collection Practices Act ( MCPA ) and the Michigan Consumer Protection Act ( MCPA ). 
I also question whether XXXX and CACI are properly licensed to conduct debt collection activities in Michigan. 
4. Relief Requested : I request that the CFPB investigate this matter and take appropriate action against XXXX and CACI. I am seeking : Cessation of all debt collection activities related to this alleged debt. 
A full investigation into the validity of the debt. 
Enforcement action against XXXX and CACI for their unlawful conduct. 
Summary of findings for future litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian numerous times, to try to figure out the address of where to submit a Police Report, or to figure out the process to do so. Their automated system refuses to let me make a dispute or to talk to someone. 

Experian is supposed to be a reporting agency, not a business to collect money in order to process a transaction. I've had a security freeze on my Experian account for almost two years, and somehow they still let companies place fraudulent/ identity theft related accounts onto my report. Then they refuse to pick up the phone in person most days, and their automated system gives me the go-around. Their automated system also gives me less and less options to choose from each time I call. I'm to the point of frustration. 

If I can not even obtain an address of where to send in my police reports, so that fraudulent information can be removed from my account, then what purpose does Experian have to exist, if they also can not protect the consumer against fraud? They are actively engaging in unlawful practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX  XXXX XXXX Inuiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX Inuiry Date XX/XX/XXXX, XXXX XXXX  XXXX XXXX Date XX/XX/XXXX, XXXX Inuiry Date XX/XX/XXXX
Product: Mortgage

Select Portfolio Serving, Inc., ( SPS ) approved a Short Payoff of {$270000.00} with a closing date of XXXX XXXX, XXXX and funding date of XXXX XX/XX/XXXX which accounted for the mandated rescission period for refinance loans in NJ. The closing occurred on the XXXX, the closing documents were emailed to SPS immediately on that day and the funds were wired on the XXXX. However, SPS on XXXX XX/XX/XXXX, returned the wire and now refuses to accept the XXXX XXXX. 
Even though the closing occurred within the time frame that SPS requested, it would have occurred earlier but SPS disobeyed the judge 's order to remove the lien on a second mortgage that had previously been dismissed. Instead, stating that they would take 30 - 60 days to release the lien which would have causd my refinancing to not occur within their set time frame. This caused my attorney to file a clarifying order from the judge, incurring time and cost. 
On a conference call with SPS, the Title Agent and myself, SPS confirmed they would accept the funding wire towards the Short Payoff on that date, XX/XX/XXXX. They promised to send a fax confirmation but never did send it. 
On XXXX XX/XX/XXXX, asked us to send new signed Payoff, XXXX and they then would accept the wire.I did this immediately but despite this, they would still not accept the wire transfer. 
SPS has used negligent serving practices, misrepresentation and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has inaccurate dates, balance. They also I have the rental property showing as a loan. It was a rental home not a loan. I have contacted them and they refuse to help me the information listed on my credit report from them has limited my progress moving foward.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX ATTORNEY GENERAL-XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 there were a series of charges from XXXX made to my Venmo account. I disputed them to both Venmo and XXXX XXXX. 

XXXX XXXX has been responsive. 
Venmo has not been responsive. 

Venmo has frozen my account and told me they would get back to me... ..they have not. 

I want to close my Venmo account, be reimbursed for the unauthorized charges and gety a check for the {$80.00} I have on deposit with Venmo. 

I have called many times to no avail. Sent texts and filled out forms nothing work with Venmo.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOOKING TO BUY A NEW HOME WHEN THE BANK INFO ME OF ACCOUNTS ON MY PROFILE THAT MAYBE DO TO FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is in non-compliance and illegally reporting Inaccurate false information About me the following alleged accounts are listed as collection And updated With past due balances and open XXXXXX/XX/XXXXXX/XX/XXXX in the amount of {$1200.00} As of XX/XX/2023 And XXXX XXXX XXXX XXXX In the amount of {$1200.00} As of XX/XX/2023 This is a direct violation of the FCRA and is also in violation of requisites Metro2 Compliant Reporting Standards By the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance in implemented With the CRSA enacted DCIA Metro 2 compliance regulations I have a right to a fair and accurate credit report and they are required to remove any information that is not truly accurate, compliant and verifiable
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiry from CitiBank dated XX/XX/year>, I file an FTC report and mail in proper documents to XXXX and they refuse to remove the inquiry.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2022, I XXXX XXXX XXXX the consumer, notified XXXX, XXXX, & EXPERIAN ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by XXXX, XXXX, & EXPERIAN. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 debits listed that continue to change listing dates. Two of them in  the amount of {$19000.00} and {$1100.00} where acquired XX/XX/XXXX and are listed on my credit report as opening a second time in XX/XX/XXXX. I have another two for XXXX XXXX that where acquired at the same time in XXXX yet they have been relisted as XXXX and XX/XX/XXXX.The last one that is incorrect is the nationwide recovery for the amount of {$260.00}. It is listed with a date of XXXX. I have not been seen by this hospital since XXXX. So the date should be from XXXX not XXXX. When the debits come close to the 7 year mark they are taken off and then relisted. Just as the one For {$19000.00} it was listed in XXXX and now again in XXXX. The ambulance one from XXXX for the amount of {$1100.00} was listed the same day as the {$19000.00} and its date has not changed.