23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received a fraudulent cashiers check and the bank processed the amount of {$8900.00} after I deposited it in the Wells Fargo XXXX on XX/XX/2021. It went into my account and i was asked to pay {$3800.00} for fees by the scammer. I did so on XX/XX/2021. Later that evening the bank took the {$8900.00} out of my account flagging it as not legitimate and needed until XX/XX/2021 to verify. However by then, the payment i sent out subtracted causing my account to be out into the negative by thousands of dollars. I contacted the bank and all they told me was to file a police report and there was nothing to do to stop the transfer i sent out or cancel anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act XXXXt '', Ally Financial on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding unauthorized information on my credit report. To this day almost 60 days later, I have not received a response to unauthorized information. I feel like my disputes have been completely disregarded and ignored. Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 45 days so they should be deleted promptly. I demand these inaccurate accounts be deleted immediately or I will file for litagation due to the stress and anxiety you have caused. My information was impacted by the Equifax databreach as well and may have been exposed to the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Trans Union XXXX XXXX XXXX XXXX  XXXX, PA. XXXX Please be advised this is my SECOND WRITTEN REQUEST. 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 first 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 ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( 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 I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of the account from XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Rental/Leasing ; Original Creditor - XXXX XXXX XXXXXXXX XXXX Amount - {$7400.00} ; This unverifiable item is in clear violation of FCRA Section 611 a ) ( 1 ) ( A ). I expect this to be done in 30 days from the receipt of this complaint, as stipulated by FCRA 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful non compliance, subject to legal consequences. Additionally I want to make it clear that any action taken by XXXX XXXX XXXX besides deleting the collection will be considered non-compliance. I am invoking my rights under 15 US Code 1681b ( 2 ) AND I am giving clear instructions to furnish my report and delete the XXXX. Failure to adhere to these instructions will result in further legal action. Moreover I insist on XXXX XXXX providing written document that provesI, as the consumer have granted explicit permission for your agency to access my consumer file. The failure to obtain consent is a direct violation of FCRA seCTION 604 ( a ) ( XXXX ) ( A ). This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws.
Product: Debt collection

They are reporting multiple items on my credit report saying I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor IQ DATA INTERNATIONAL is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, this company sent me paperwork from a company they represent with a forged signature, I do not owe IQ DATA INTERNATIONAL Any Money and I demand that they provide actual validation with my WRITTEN CONSENT, I also demand a copy of the contract binding both parties ( IQ DATA & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, ALSO IF SUCH CAN NOT BE PROVIDED I DEMAND IQ DATA INTERNATIONAL TO BE PERMANENTLY REMOVED, DELETED FROM MY CREDIT REPORT I also demand a response from IQ DATA within 5 days as listed in the terms of the the consumer book! kind regards!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am writing to formally file a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information ( Key Issues ) : Account Number : XXXX High Balance : {$1000.00} Payment Status : Late 60 Days ( incorrect ) Date of Late Payment : XX/XX/XXXX FCRA Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. TransUnion has failed to correct the inaccurate late payment for XX/XX/XXXX despite multiple requests. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment suggests non-compliance with this requirement.

TILA Violations : The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, violating TILA 's fundamental principles. Protection Against Non-Payment of O
bligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment entry is a direct violation of this principle.

Desired Resolution : Immediate removal of the late payment notation from my credit report for XX/XX/XXXX. 
Written confirmation of the correction within 30 days of receipt of this letter. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX XXXX Enclosures : Copies of previous dispute letters, supporting documents, and relevant sections of the FCRA and TILA.
Product: Debt collection

I am simply in a transition where I need to get out of debt without filing for personal bankruptcy. I have a game plan that will work, but I need time to deal with my creditors one at a time. Accordingly, I need this company I am filing on to cease and desist all calls to me, that I desire written communications only, and that I will deal with my creditors one at a time through settlements. I need all calls to stop immediately under my rights with the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXXXXXX XXXX should not be reporting on my credit report. I reached out to the original creditor via XXXX and was informed that XXXX tried to contact the company twice, but the company failed to respond. Why would I trust a XXXX party collection agency whom I've never signed anything without validation from the original creditor? My personal information has been compromised many times, and without validation from the original creditor, how can you be sure that this debt is mine? Was there proof of my ssc and id on record? There were no copies sent to me if so. I have attached the proof of no response from original creditor. The invoice is attached for your company 's violation, and payment is to be remitted to the address on the true bill/invoice along with the deletion of this account. The original account was never verified ; and this account can not continue to report on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX Equifax Responded back to XXXX saying account ( XXXX XXXX, amount {$4400.00} ) is no longer reporting to my credit report. After investigating the account wasn't removed and still reporting, theyre violating my FCRA rights and law. 
I request to this account be removed from my credit immediately. 
There has not being any response, notification, letter or phone call to correct this from Equifax. 

Account was disputed with Equifax on XX/XX/2022, no responsefor more than 30days. By FCRA laws they need to deleted from credit report. They failed to follow the law Account : XXXX XXXX XXXX : {$4400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Ct XXXX, VA XXXX Email : XXXX Phone : ( XXXX ) XXXX Consumer Financial Protection Bureau XX/XX/24 XXXX XXXX XXXX Washington XXXX DC XXXX Re : Formal Complaint Against Experian for Violations of the FCRA To Whom It May Concern, I am writing to formally lodge a complaint against Experian Information Solutions , InXXXX regarding their handling of my consumer report. On XX/XX/24, Experian represented over a recorded line that they obtained bankruptcy information from the courts. However, I possess a signed and dated letter from the Clerk of Courts explicitly stating that the court does not report to credit reporting agencies. 
Experian 's actions constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 607, as they failed to obtain my written consent prior to reporting my private information. Furthermore, their representatives misled me during the call by inaccurately asserting the source of this information, rather than rectifying the situation by removing the erroneous entries. 
I have provided Experian with a copy of the courts letter, yet they have failed to delete the inaccurate items from my report. I request that the CFPB investigate this matter and take appropriate action against Experian for their non-compliance with federal law. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 





XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Mortgage

Mr. Cooper ( Nationstar Mortgage LLC ) Loan Number : XXXX provided me with a payoff quote. On XX/XX/2020 they sent me a note stating " the fees and costs quoted on the payoff totaling {$650.00}, are further itemized as follows : Prior Legal Fees. '' At no time did Mr. Coper ever provide any legal services to me. At no time have I ever been informed by Mr. Cooper that there were any outstanding fees. This is a complete shock.
Product: Credit card

Correspondence was sent to Bank of America ( registered agent : CT Corporation ) and they have not responded with the information requested. Dated for XX/XX/2024 along with certified mail item number:XXXX XXXX  XXXX XXXX XXXX asking for validation. The second correspondence was dated for XX/XX/2024, certified mail item number : XXXX XXXX XXXX XXXX XXXX. The company did not respond with the requested information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I do not go by any other names. remove these names from my report as they're incorrectXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. My address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I do not live or ever lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please update this information on my credit. I have provided my drivers license in the attachments.
Product: Mortgage

My former home is in the foreclosure process. The property has XXXX liens against it - the XXXX with XXXX and the XXXX with USAA. I am trying to complete a deed in lieu with XXXX, but I ca n't until the lien with USAA is settled and released. In my negotiations with USAA, USAA is being slow and/or unresponsive. It is taking them XXXX days to respond to my offers, increasing the likelihood that XXXX will do a judicial foreclosure and USAA will end up with a lower settlement.
Product: Debt collection

I have a very old debt from 2012., was very sick., XXXX XXXX XXXX in and out of hospital. my roomate used my credit card and Id while I was in the hospital., XXXXXXXX XXXX card XXXX, I filed a fraud alert., Winn Law group in XXXX Ca . wants to sue me I am on XXXX low income. Winn Law group keep sending me nasty letters
Product: Mortgage

Tried to pay monthly mortgage at bayview mortgage online, for 2nd time at XXXX XXXX on XX/XX/2020. Attached is the screenshot of response from company online at that time. Payment was not able to be completed.
Product: Vehicle loan or lease

I am making additional payments and they are just prepaying future months and I receive bill saying I do not need to make payment ( owe {$0.00} ). I want to pay monthly amount and extra to principal. They show me prepaid into 2020. 

I have contacted them several times. The billing is engineered to discourage extra/early payments. It is not allowing me to make extra monthly payment in a reasonable way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several inaccuracies in the way my accounts have been reported. The information provided is missing the furnishers contact information. I am not able to reach this furnisher about this inaccurate reporting. 

This item does not meet the maximum possible accurate standard and must be deleted to correct this inaccurate reporting.
Product: Credit reporting or other personal consumer reports

To XXXX XXXX  you conducted an investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and since that time the Squatter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX escrow account checks in my name and I reported as Forgery XXXX detective XXXX XXXX XXXX. XXXX XXXX LEXISNEXIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please confirm in writing, BELOW, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke 25 minutes she said we sent you a satisfactory of mortgage on XX/XX/XXXX and I am putting it in the system for you to pick up at any local branch. 

Please disclose
Product: Mortgage

PHH mortgage is claiming that the home loan to value ( LTV ) mus be 75 % in order to request a drop of private mortgage insurance ( PMI ). According to the consumer protection act of 1998, the PMI can be requested removed at 80 % LTV and must be automatically removed at 78 % LTV. I have never missed a payment, and recently ordered an appraisal which gave me an LTV of 78 %. PHH is refusing to drop the PMI after we followed the proper steps or requesting the drop in writing, having an appraisal, and being current on payments.
Product: Credit reporting or other personal consumer reports

I have XXXX new hard inquiries on my credit report this year and I havent applied for anything this year. I need them removed from my report because they are fraudulent and theyre hurting my scores. 
The XXXX fraudulent inquiries and the dates they were added to my report are as follows : XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX XXXX  ( Hotel and travel ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX
Product: Debt collection

My complaint is regarding XXXX XXXX, before they start the treatment they explained that my share or patient share is {$8000.00} and the rest was qualified for my insurance. I already paid about {$5000.00} plus, so my balance is only {$2000.00} plus. The reason why I dont pay yet my balance because the treatment is not done. And now theyre trying to collect me the amount of {$9900.00} that I didnt owe and sent me to debt collection. Thank you!
Product: Credit card or prepaid card

I have a USAA Visa Credit Card. I started getting charged for two subscriptions that I never subscribed to. I called USAA about these charges and they were reversed for the XX/XX/XXXX, and XX/XX/XXXX charged. But to have the charges reversed, I had to have that credit card cancelled and a new card issued. I thought that resolved these problems. I was not informed that the companies would receive from XXXX my new credit card number, expiration date, and security code. But these companies did receive that updated information -- which I was unaware would happen -- and charges were continued. 

It is unbelievable that companies making fraudulent charges on a credit card would receive information about a new card being issued! 

Details are as follows : XXXX charges of {$7.00} on XX/XX/XXXX, {$7.00} on XX/XX/XXXX, {$7.00} on XX/XX/XXXX and XXXX XXXX charges of {$9.00} on XX/XX/XXXX, {$9.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. 

USAA has told me that to have the charges from XX/XX/XXXX and XX/XX/XXXX I will have to have my credit card cancelled again and have a new card issued again. I find this unacceptable. 

I spent hours on the phone trying to get in touch with XXXX and XXXX XXXX and was told that the accounts would be cancelled but they would not give me any information on how these accounts were opened with my credit card information. I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Requesting a Method of Verification Letter Dear XXXX XXXX, I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with US BKPT CT XXXX. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX The account referenced above is fraudulent and does not belong to me ; XXXX XXXX XXXX XXXX The contract that was signed holds the signature of an individual by the name of " XXXX XXXX XXXX . '' Please cite the documentation uploaded to verify this as well as my driver 's license. The signature on the contract and my license do not match. I'm 100 % sure that this was a fraudulent act committed against me. 

I'd also like to bring to your attention that all the names referencing this account are different across all three reporting agencies along with the payment history. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 
These companies have refused to do work on disputes even though they're required by the law to do so.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and there are multiple different spellings across all XXXX credit bureaus also my address is and has been the same forever however it is not on all XXXX bureaus and multiple unknown addresses appear as well as multiple jobs and phone numbers and that is the only number Ive had as an adult. As well as multiple multiple collections that do not belong to me as listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXi These inaccuracies have cost me a single mother so much hardship in obtaining much needed credit to provide me and my family a place to live and means of transportation amongst other things.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : {$6400.00}