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

I am filing a complaint of non-compliance against XXXX  XXXX who sent a letter to on XX/XX/XXXX and XXXX  on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to XXXX and XXXX ). The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Product: Debt collection

I was a victim of identity theft thru a data leak trying to repair all the damage that was done to my credit fcra 15 us code 1681 protection needs to be applied
Product: Credit reporting or other personal consumer reports

I submitted a letter to XXXX and TransUnion Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$35000.00}.
Product: Credit reporting or other personal consumer reports

Today is XX/XX/XXXX. I called equifax about XXXXXXXX XXXX XXXX I called in to start another dispute ( have been disputing via mail ) for two accounts. The representative I spoke with was very rude and refused to help me. I called in to dispute an account that is showing charged off and shouldnt be. Incorrect account status. He told me that because I opened the account, I cant dispute that information. Even though its reporting incorrectly. When I went online, thats a dispute option. He was so rude and I was unable to get help even after asking to speak with a supervisor. He refused to transfer me. I would like this account ( XXXX XXXX ) removed and to speak with a supervisor regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXX XX/XX/XXXX and the economy got the best of us, but I paid our tax lien of $ XXXX -/+.

The tax lien debt was tendered in XX/XX/XXXX and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX  and XXXX County of California. The BOE also went after my son ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the BOE to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments.

Thank you, XXXX
Product: Checking or savings account

I opened the account at Wells Fargo in XXXX XXXX about 3 weeks ago and did not want the online banking set up because of fraud on my previous account with XXXX XXXX  Bank. Well someone got in and got my online banking set up and put money through on my debit card that I did not spend. So I went into the bank on XX/XX/22 and was cashing my check from XXXX XXXXXXXX XXXX XXXX for {$170.00}. I put the I have the check and the receipt and it said that they put the money in and there is XXXX money in my account they didn't even deposit it in the account. I'm not sure what is going on with this company but someone needs to look into why they think they can do this and get away with it and also look into XXXX and XXXX XXXX because they're my parents and they have been claiming me dead for I don't know how long and doing this to me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an extension of credit by CAPITAL ONE AUTO FINANCE on ( XX/XX/2022 ) and on XX/XX/2022, I applied for an auto loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer.
Product: Debt collection

I do n't know what transworld inc debt is from. 
I would like more information due to the continued increase in interest on that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an inquiry with Equifax on XX/XX/2018. Case # XXXX. 

The inquiry was regarding a recent, sudden drop in my credit score reported by Equifax. This erroneous drop was alarming especially since my credit scores from XXXX and XXXX  had gone up a few points. My credit score reported by Equifax made a sudden drop of 39 points from XXXX to XXXX. I monitor my credit scores closely and this sudden drop prompted me to carefully review my credit report for potential fraud or changes. No information on my credit report had changed. No factors including how much money I owe, how long I've owed it, no new accounts, no recently closed accounts, no change in the number of accounts, no changed in payments, late payments, or missed payments, no recent hard inquires, no changes in types of credit accounts, no changes in derogatory remarks. My credit report had not changed at all since Equifax had reported my score prior to XX/XX/XXXX. 

In my inquiry, I asked them to investigate why there was a sudden, erroneous drop in my credit score. Equifax made no attempt to investigate. Instead I received a stock response email followed immediately by another email closing my case. Per that email, Equifax stated : " If this issue is not resolved to your satisfaction, you may reopen it within the next 5 days by responding to this email. '' I responded to the email the same day asking for them to investigate my account and my case. I was immediately sent sent another email closing my case. Again, Equifax state in the email : If this issue is not resolved to your satisfaction, you may reopen it within the next 5 days by responding to this email. ". I emailed them yet again asking for them to investigate. I have yet to receive a response. It has been 16 days from my last correspondence. 

Equifax made no attempt to investigate my inquiry.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX  MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Dept of EDU/XXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. Transaction history is not to be reported according to the consumer laws. The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate addresses XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ca XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

I was denied credit by Discover Card Bank due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked XXXX, XXXX, and XXXX to update my credit report AND my XXXX credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my XXXX credit score continues to suffer due to XXXX, XXXX, and XXXX 's reckless and negligent actions. I have also repeatedly asked for XXXX, XXXX, and XXXX to send updated XXXX credit scores yet I have not received them and/or they want payment for the XXXX credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to XXXX, XXXX, and XXXX repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as XXXX, XXXX, and XXXX not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of XXXX, XXXX, and XXXX, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I discovered some items that were incorrectly reported. The XXXX has given me the authority to dispute and change information in my credit report that I believe is incorrect.
Product: Debt collection

I moved out of a XXXX XXXX unit on XX/XX/2021. 
I paid for storage from XX/XX/XXXX through XX/XX/XXXX. The company has a 5-day grace period for payment. They are attempting to charge me XXXX for the full month of XXXX. I refuse to pay since I did not occupy the unit, and even according to their own policy, I do not need to pay them.
Product: Credit reporting or other personal consumer reports

Hi Experian ; XXXX ; A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Notably, your recent investigation does not specify the data furnisher 's name ; it simply indicates that the information is certified as accurate. I am curious about the source and method of certification. 

I kindly request that you validate this information and provide copies of any associated documentation with my signature. I formally request the immediate deletion of this information from the credit file associated with my social security number. Please be aware that I am closely monitoring my credit file, and you have precisely 30 days, in accordance with the Fair Credit Reporting Act 623 ( a ) ( 3 ), to complete this investigation. I will maintain meticulous records of all actions concerning my file.

Failure to respond satisfactorily within 30 days of receiving this certified letter will compel me to pursue a small claims action against your agency. In such an event, I will seek {$5000.00} in damages, which may include but are not limited to : Defamation Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Your prompt and thorough attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, 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 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 which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

To whom this may concern, I would like to raise the issue with respect to wells fargo 's online banking systems and its transaction hold times. I have a suspicion that wells fargo engages in illegal authorization of charges, but not in the order the consumer would have made those charges. And that their online banking systems does not include the most recent Transaction history. In all cases Wells Fargo has blamed the " Merchant ''. I am finding that charges made using my ELECTRONIC debit card are not posting to my account for almost 3 business days. For example, If I have an available balance of {$100.00} on Friday and swipe my electronic debit card at XXXX for {$10.00}, when I log onto my online banking site ( SAME DAY ) I should have a current balance of {$100.00} and an available balance of {$90.00} as the {$10.00} transaction from XXXX would still have been pending until the next banking update, which usually takes place the next business day. In the past with not only wells Fargo, but other banking institutions that I bank with, That " XXXX charge could pend for up to 5 days, but most cases it only takes Maximum 2 days. Not with Wells Fargo. When logging on to the online banking site, Their is NO record of my transaction to XXXX, and the charge was not taken from my current balance, thus not allowing my true balance to be reflected. On the following Monday, after I may have spent what my " online baking '' said I had available to me, from over the weekend I will see that SAME XXXX charge of {$10.00} from Friday show up under the pending transactions and then the bank claimed they paid it and now I am hit with an overdraft fee. This is not legal banking. This can not be legal representation of a consumers accurate account balance. I have trouble believing that the merchant would not even present payment on an account for 3-10 business days after the initial authorization of verifying funds in the account for. These Suspicious and illegal banking practices of random account debits and authorizations, have caused me many fees and Wells Fargo does not seem to take any responsibility for charges they post to a consumers account many days after the initial charge was made. This is n't a check that myself or consumers are using. Its an electronic banking card and the expectation is that it would reflect the most recent account transactions. Even a check deposited posts before some charges that I have made with my electronic debit card.
Product: Credit reporting or other personal consumer reports

I wish to exercise my rights to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
As a federally Protected Consumer, I hereby formally opt out of any and all authorizations. 
Whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my non public, personal information with non-affiliated third parties including the consumer reporting agencies for any purpose. 

I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the GRAMM-leach Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information OTHER COMPLAINTS XXXX XXXX XXXX DOCUMENTS ARE ATTACHED BELOW
Product: Credit reporting or other personal consumer reports

My identity was recently compromised, which has been reported to all credit bureaus, yet I'm still getting unauthorized hard inquiries. I did not apply for any line of credit. Equifax and XXXX refused to proceed with the investigation. Despite all the documents I provided them, They either believed that I hired someone to process the dispute on my behalf or couldn't verify the FTC report. These are the inquiries that I tried to dispute on both Equifax and XXXX. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

a collections account at JEFFERSON CAPITAL LI ( XXXX  ) that was assigned to collections on XXXX XXXX under the account number ending in ( XXXX ) with a balance of XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX report.
Product: Credit reporting or other personal consumer reports

There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I received a loan based on need that was predatory and illegal in the state of Florida.
Product: Bank account or service

some bank credit cards have very complex incomprehensible interest rate system. i.e. different rates for different bank products on one credit card : i.e. Rates for purchase, cash advance, overdraft, linked to card, promotional interest rate. For consumers who pay less that the total balance, are hit with compounding interest @ 15 % 19 % or higher on other category on the same card. This is totally unfair, and equal to " lone sharking ''. No clarity is provided regarding allocation of payment to interest rate line item. The compounding aspect of this situation is totally unfair and greedy. Can your department help with this situation? Help!
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and the information being report is not accurate. The reporting company XXXX XXXX with account number XXXX is not accurate. The XXXX XXXX XXXX have the vital responsibility of ensuring all information being reported is as accurate as possible. Please investigate this account for accurate reporting practices.
Product: Mortgage

Hello, I'm writing to lodge a formal complaint against Freedom Mortgage, the company that services our mortgage. Since Freedom became our servicer ( something over which we had no control, like everyone else ), we've been barraged with both paper mail and phone calls " offering their services '' to refinance, etc. I've repeatedly told them over the phone that we are not interested in their marketing and explicitly demanded they cease from contacting us with marketing material. I still receive constant paper mail and phone calls. They even continue to call me and asked that I validate my loan information in order to receive their follow-up sales pitch! And how am I to know it's a sales pitch vs. a legitimate issue with my account until I've provided personal information? I understand that they need to validate whom they're speaking with but my mortgage servicer calling me and asking to validate my personal information for a marketing call ( which I've already refused ) is deceptive and insinuates that they're calling me about a legitimate issue with my account. I can confirm that there have never been issues with the status of our mortgage. I live in a " hot market '' so there's absolutely zero incentive for Freedom to stop this behavior unless the CFPB steps in and slaps them on the wrist. I'm already coughing up thousands of dollars a month to Freedom Mortgage : I shouldn't have to endure their incessant greedy shake-down on " additional services. '' I appreciate the Bureau 's attention to this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest the accuracy of certain information reflected in my credit report. After careful review, I have identified accounts linked to identity theft, as confirmed by the respective banks involved. They have assured me of their commitment to remove these accounts, as indicated during our phone conversations : XXXX XXXX XXXX and XXXX XXXX. 

I kindly request the immediate deletion of the mentioned accounts from my credit report, in adherence to legal requirements. Furthermore, I urge you to hold the responsible banks accountable for their agreement to remove these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had a lease with XXXX XXXX  on a XXXX XXXX XXXX XXXX XXXX that I traded into XXXX XXXX and obtained a new lease through XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX at first reported i owed a balance and was 30 days late to a XXXX lease payment which was incorrect and impossible since I didnt even own the car any longer. 

I disputed the account 3 times through experian and have open disputes with the two other bureaus since XXXX reported my account with them closed, paid but still show I was 30 days late. I have NEVER paid my lease late, ever. Its impossible that I could have been late in XXXX since the vehicle was turned in on XX/XX/XXXX.