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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under
15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX auto sales. XXXX XXXX purchased the loan from XXXX XXXX. On XX/XX/XXXX the vehicle started running hot and I contacted the dealer and they refused to take the vehicle back, which is what I was instructed to do by XXXX. I contacted XXXX and let them know that the dealer refused to take the car back and exchange it. I told them that the repair bill was {$1000.00} and was there anything that they could do to help. XXXX agreed to set the account up on a payment arrangement. The 1st initial payment was due on XX/XX/XXXX. The arrangement was set for me to pay half on the 17th and the remainder on XX/XX/XXXX. I made a payment in the amount if {$200.00} of XX/XX/XXXX. On XX/XX/XXXX XXXX auto sales used a XXXX tracker to track my vehicle. My vehicle was repossessed at XXXX pm at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX auto sales and stated that I had not made any payment on the loan. XXXX did not honor the payment arrangement that they offer to me since XXXX sold me a lemon. I never received any correspondence from XXXX financial that the car payment was in collections or up for repossession. I never received a phone call, email, or text message stating that the loan was delinquent. XXXX sold the loan back to XXXX auto sales without my knowledge. I went to XXXX auto sales on XX/XX/XXXX around XXXX am and spoke with a XXXX XXXX who is the finance manager. XXXX XXXX provided documentation from XXXX XXXX. The document is a notice of payment default and repurchase demand. He also stated that XXXX financial lied to me about setting up the payment arrangement and stated that I never made any payment. XXXX auto sales stated that the repossession was sent certified mail, however I have yet to receive any correspondence via certified mail. I have checked with my mail carrier and the USPS. XXXX XXXX is demanding that XXXX auto repurchase the vehicle in the amount of {$10000.00} if repurchased by XX/XX/XXXX and {$11000.00} if repurchased after XX/XX/XXXX. XXXX auto is now requiring me to pay the full cash price of the loan of {$10000.00} in order for me to get the vehicle back from them. XXXX XXXX is in violation of the Truth and lending act. XXXX needs to repurchase my vehicle back from XXXX and continue with the terms that we agreed upon for this vehicle. Any damage is done to the vehicle the cost of repair needs to be shared between both XXXX and XXXX auto sales. XXXX XXXX will need to also pay for any all charges assessed due to the violation of federal lending laws. XXXX XXXX needs to cover all towing fees assessed during repossession and to my return the vehicle to the address on my contract with them.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I did not apply for please help I also have negative info such as a late payment which is not accurate.
Product: Mortgage

Wells Fargo foreclosed on my home in XXXX after sending me loan modification forms. I did not request the forms and paid on my mortgage every month. This began in XXXX. I was in court with a lawyer for 6 years and still lost my home of 23 years! I was told numerous times that they didn't receive the papers back, which I sent to a self addressed return envelope, and I resent and faxed numerous times from my local Wells Fargo location. They claimed they didn't know my income was XXXX, lied about tons of things. They even claimed I owed on a credit card that I never took out. Much went on in court and my lawyer said I had a good case when he very suddenly quit my case. This was also suspicious. I went to the WI Dept of Justice with my case as well. In fact when Wells Fargo first tried to foreclose in XXXX XXXX XXXX was the owner of my mortgage. I got nothing out of the home I paid on for 23 years. Can you help me in getting some sort of monetary settlement for all of their illegal and evil work to take my life away?
Product: Credit reporting or other personal consumer reports

Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit purpose.
Product: Mortgage

I applied through Triad Financial Services 2 times between XX/XX/2024 and XX/XX/2024 for a home listed in XXXX, Iowa. I went and looked at the mobile home and applied for a specific address. this was on XX/XX/2024. My XXXX XXXX manager was emailed on XX/XX/XXXX to provide verification of employment. The verification of employment was sent back same day. On XX/XX/XXXX I was contacted by the XXXX XXXX mobile home park manager asking me to call Triad to check on the status of my loan application because someone else had gone in and applied for the same address as I had. I then called several times that day and the week of XX/XX/XXXX and spoke with XXXX XXXX the underwriter on my loan application who told me repeatedly they were waiting on my verification of employment before they could continue processing my loan application. ( I do have call logs as well as text messages to confirm dates and communication between myself and the park manager XXXX and call logs calling Triad ).

Because my application was not processed in a timely manner the person who looked at and applied for the same address, also used Triad as their loan application and they were approved before my application. I went to look at more homes available at the mobile home park and none of them were what I was looking for. I had my XXXX set on the one I was told I would get because I had been first to apply for the loan on the home. I went to look at XXXX other homes on XX/XX/XXXX and that's when I found out after several calls to Triad and the manager at the mobile home park stating they did not have my verification of employment and within minutes Triad said they did have it. I have the email documents from my HR manager supporting dates as well.

Triad admitted to me they were at fault for dropping the ball on processing my application after 2 and a half weeks of them having my verification of employment on XX/XX/XXXX. I have tried contacting Triad today after being told yesterday XX/XX/XXXX that they would contact me today about a resolution for this situation and I can not get ahold of anyone at the company and now I am not getting back a response from XXXX XXXX XXXX XXXX XXXX in XXXX Iowa after calling and texting. 
I lost the home I applied for and wanted due to Triad 's negligence in processing my loan application in a timely manner and now I would like some sort of compensation for their negligence as well as the stress it has caused me and the emotional turmoil I have endured. 
I also have support from my XXXX as how this has emotionally and physically affected me.
Product: Mortgage

I went into a Bank of America service center to pay off my mortgage on XXXX I had the funds in my checking account and was advised that the payment needed to be a certified check so they took the {$42000.00} from my account for the check. They took the check and gave me the stub. 

On XX/XX/ I noticed that my mortgage had not been credited so I went back to the branch and was told I had to call the number on the back of my debit card. I called that number and was told to email a copy of the check stub along with the payoff statement to XXXX which I did. 

Called back on XXXX  and got someone at the XXXX center. I was told that it would be escalated and that I would get a call back by the end of the day. Did not receive a call back. 

Called again on XX/XX/ and this time got someone in XXXX. Now I'm being told to go back to the branch that issued the check and get them to do a " stop payment '' on it. In the mean time I've had to make another payment on the mortgage ( {$960.00} ) since a payment has not been credited. Went to the local branch and was told there would be a 90 day wait before they could cancel and refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. XXXX5 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

___________ _____________ _________________________ _______________, XXXX, _____ SSN : ________________ DOB : ________________ DATE : ________________ Transunion This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. 
If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing this item removed. 
I demand the following account be properly verified or removed immediately. 
Name of Account : Account Number : Provide Physical Proof of V
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights XXXX 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Portfolio Recovery keeps calling using so far XXXX different spoof phone numbers with different state area codes. They usually hang up as soon as I pick or wo n't leave a voicemail. I am not sure what debt they are calling about but I am feeling harrassed.
Product: Debt collection

I am writing to formally dispute the recent credit report that contains inaccurate information regarding my account. The erroneous information is as follows : [ Specific inaccurate information, such as " missed payments '' and " late payments '' ] I request that you provide me with detailed statements and records of all payments made and missed since I opened this account. 

I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred. 
Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe. 
Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices. 
Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date, they have not responded. 
The following account was never late : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$170.00} ) Please correct this inaccurate information on my credit report. 
The following account was never late : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$53.00} ) Please correct this inaccurate information on my credit report. 
The following account was never late : XXXX  ( Date Opened : XX/XX/XXXX, Balance  : {$0.00} ) Please correct this inaccurate information on my credit report. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please remove it from my credit report. 
The following account is not mine : XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please remove it from my credit report. 

Because of incorrectly reported data, I require that your bureau verifies the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ) account. I am unsure of the accuracy of the Balance of {$560.00} that you report for this account because I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. In addition to that, I request you to verify the Date Opened, Date of Status, and First Reported for this account. 

Your agency is reporting inaccurate information for COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ). I do recall my original creditor, and it is obviously a different company than the one you are indicating. Moreover, I do not have any contract with this company and have never been contacted by them. Your agency provided false information about the Balance of {$1400.00}, which is higher than I believe it to be. As of these inaccuracies, I am disputing this entire account, and I ask for verification of Date Opened and Date of First Delinquency. 

The information presented for the account COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ) is also inaccurate. I bear in mind that the original creditor on this account is a distinct company than the one you indicate. You present erroneous information about the Balance of {$1400.00}. You report a higher Balance than the amount I suppose I owe. The problem is that this information is far from the truth, and I dispute this account, and I also claim verification of Date Opened and Date of First Delinquency.
Product: Mortgage

My house was damaged by Hurricane Ida. Since I have a mortgage on my house and the damage was in excess of {$50000.00}, the check had to be made payable to us and the mortgage company. I called Rocket Mortgage and was advised that I have to endorse the check and mail to them which I overnighted to them on XX/XX/XXXX. When I initially called on XX/XX/2021, I was told it would take 5 business days to review, deposit the check and re-issue in the amount of {$50000.00} ( check was {$64000.00} ). As we made repairs, we would then get the remaining balance in 2 draws. I called again on XX/XX/2021 to get a status and was then told that the info given on the time frame was incorrect. It would be 7-10 business days. When I complained about the change in time frame, I was also told the " we XXXX americans have to stick together ''. I'm not XXXX american. I called today XX/XX/2021, the 10th business day to learn that my file was not assigned to a case worker to handle and my funds are sitting in my escrow account. I requested that the {$50000.00} be direct deposited into my checking account because I have contractor 's to pay. Was advised that it will take longer to process my check because they are short-staffed due to COVID and I would have to wait for a check in the mail. This was/is completely unprofessional and I want others to know about this issue. Once this is all said and done I will be re-financing and it won't be through Rocket Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score keeps dropping despite not having any derogatory payments or accounts. For the past 3 to 4 weeks I've been in constant communication with TransUnion which has been an absolute waste of time, TransUnion is unable to specifically tell me the reason why my credit score continues to drop month after month.

When calling in, I've requested to speak to TransUnion 's upper management regarding this ongoing concern, the initial CSR who answers the call explains there is no way for them to transfer me & insist on wanting to see if they may assist, but the conversation always ends up the same, " they are not able to answer why my credit score keeps dropping. '' In conjunction, to add insult to injury, all the Customer Service Representatives ( CSR ) I've conversed with, which have been many, have been absolutely rude, unprofessional & combative, with service such as what I've experienced they have no business talking to people whatsoever. 

Need help with this request, please contact me as soon as possible Thank you