23daVinci/CFPB_Complaints huggingface dataset:
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 on 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have formally written multiple letters to dispute the validity of a debt that XXXX XXXX and other credit agencies claims I owe. These agencies are using illegal tactics and unfair practices that has resulted in inaccurate and incomplete credit information. I have notified the agencies violating my rights as a consumer that never voluntarily surrendered any vehicle nor have I ever made a late payment. the vehicle was fully paid off ( {$14000.00} ). This happen in 2018, and I been continuously contact them for over 5 years to make these corrections. I have also requested the document bearing my signature of the voluntary surrender for the vehicle to the lender, which they fail t do so. I will take a legal actions against any person ( XXXX ) if this is not corrected. please consider this latter as a formal dispute of the reported debt. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Charge-Off / Closed Account in my Credit Report Dear Sir/Madam, I hope this letter finds you in good health. I am writing to dispute certain inaccurate information that appears on my credit report. The items in question are related to alleged charge-off/ closed accounts, which I believe are incorrect and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off/ closed accounts : Please investigate these matters and correct the disputed items as soon as possible. If you need additional information to resolve this dispute, kindly contact me at your earliest convenience.

I would also like to highlight that under Section 623 ( a ) ( 2 ) of the FCRA, the entities providing this information to you have an obligation to correct, VALIDATE, VERIFY and update relevant information to ensure its accuracy. If they have failed to do so, they may be in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they cant be validated and verified.

In addition, according to Section 623 ( b ) of the FCRA, upon receipt of my dispute, you must notify the information provider of my dispute. If you find that any of these accounts are indeed inaccurate, incomplete, or can not be verified or validated, I kindly request their immediate removal as per Section 605 of the FCRA, which stipulates that any information that is found to be inaccurate or can no longer be verified or validated must be removed from a consumer 's credit file. If you cant provide me with the original contract with my wet ink signature, and the name and title of the person you spoke to about the above listed accounts showing validation and verification please delete the above listed account Lastly, I want to draw your attention to the Fair and Accurate Credit Transactions Act ( FACTA ) amendment to the FCRA, which provides me the right to obtain one free copy of my credit report in cases where a change has been made as a result of the dispute.

I have attached a copy of my credit report with the disputed items highlighted for your convenience. Please provide a detailed response to my dispute in writing within 30 days of receipt of this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Disputed Items attach
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/2018 Equifax still haven't removed the paid repossession from my credit report when the other two reporting angencies have I have tried at least 4 times to dispute this with no avail they are refusing to remove it .its either this or court d to inproper investigation its their choice
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion allowed access to my credit report without my permission and request credit reporting agency to demonstrate clear permission in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX made a hard inquiry twice in XXXX without my permission.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you update the personal information in your records, as I have encountered an issue while attempting to access my credit report. Specifically, I received an error message stating : " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( i ), I am entitled to dispute any inaccurate information in my credit file and request that it be corrected. The information on file with you does not match the correct data, and I kindly ask that you update your records accordingly to ensure my credit report is accurate and complete.
Product: Debt collection

Equifax Lack of CRA compliance with their obligation to accurately maintain and update your credit file under FCRA 607 ( b ).

" FCRA 607 ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I've submitted multiple disputes against the fraudulent charges in my name. I filed a police report, reported the identity theft to FTC and even faxed and also maimed them multiple times a copy of my passport providing proof I was not living in the states at the time the accounts were open and used.

I also sent a copy of my social security card as well as my license.

They refuse to delete these accounts from my credit file and it's causing me headache and now financial troubles as I'm trying to purchase home.

In all correspondence, they still address me by the wrong name and have my DOB listed wrongly when I've sent all documents showing my accurate info.

My next step is to sue. It has been months and countless disputes and nothing is getting accomplished.

My life is literally on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the custodial parent of my children full-time and have been since 2013 official closure of the erroneous to child-support accounts date back more than two years the balances are at XXXX of the moms close the case two years ago in the department has tried to get Trans Union to fix this error but for whatever reason union continues to want to ruin the lives of me and the XXXX girls I support by displaying in accurate information because theyre too lazy to look into the issue and find out from the Department of Child for California all these are closed in the entire record should be removed according to the department
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on   XXXX   My original complaint : I received a dispute summary report from  XXXX   XXXX  and I see  XXXX   XXXX  closed my home Equity loan account #  XXXX  on  XX/XX/XXXX  with a  XXXX  balance then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on  XX/XX/XXXX  with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo  response : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on   XXXX   XXXX   XXXX  . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We want  ed to speak with you directly but were unable to connect with you at the phone number ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo, no documentation, no payment notice, no account number info or return address?
2 ) Their is no " Active   Foreclosure '' as my home was foreclosed on in   XXXX   XXXX   XXXX   by  Wells Fargo  while I was going though their modification process? yet another false statement.     3 ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.
4 ) Wells di  d not try too hard to reach me as I called their POC  XXXX   XXXX  at the number provided  (   XXXX  ex  XXXX  ) within their canned    XXXX   XXXX   XXXX    letter to me in response to my complaint and left numerous messages and contact numbers?    5 )  If  Wells Fargo does not wish  to resolve this issues amicably then I will have no choice but to use this very loan that  Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells is held responsible for their wrong doings and support of predatory lending practices.
Product: Student loan

I requested an application for XXXX XXXX XXXX XXXX XXXX XXXX because my school admitted misconduct and misrepresentations in how it marketed to students. My school is also one of the schools on the XXXXXXXX XXXX XXXXXXXX lawsuit. I asked for the application, and XXXX  refused to provide it stating that they could not because they are not the original servicer. The original servicer was XXXX, but they were assumed by XXXX. So, XXXX assumed this obligation and now refuses to cooperate.
Product: Credit card or prepaid card

I have at least 5 Discover Cards that I did not know I had,,, For the past 6 years discover has been taking money from MY XXXX and XXXX cards and transferring money to these accounts and form my tow Discover cards>>  They have tried to take money out of my bank  also!!!!   Also  they open a XXXX XXXX  charge card in MY name!!!! And  maxed out the card as they did other cards that the open in MY name>>> wHY is this not illegal!!!!
This all started when I tried of collect on the Payment Protection plan that ALL card holder were required to pay for<<< NY FEDERAL COURT SEPT 2012!!! I am a XXXX Veteran!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX BANK XXXX, has violated my rights. 

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
Product: Debt collection

Collector called multiple times even after i told them to stop .The person they are calling for i do not know told them that several times but they continue calling!!!        XXXX   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX     XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX
Product: Mortgage

Caliber Home Loan 's internal policies, related to XXXX  leave, have violated the fair lending laws on a disparate impact basis. My wife and I were denied a refinance due to my wife 's income being excluded from our combined " qualified income '' because of being on XXXX  leave. Under California law, the Family Medical Leave Act guarantees a parent 's position upon returning to work, and should not be cause for exclusion of " qualified income '' or conditional approval upon returning to work. This is discrimination based on sexual orientation and familial status. XXXX  Leave policies have a discriminatory effect on women and have been found to violate fair lending laws ( case : XXXX XXXX, XXXX ). 

Background : the initial loan estimate was provided on XX/XX/XXXX with XXXX  origination charges and a lender credit of {$1800.00} for a 3.375 conventional fixed 3-year mortgage set to close on XX/XX/XXXX. Several delays caused by Caliber Home Loans took place, causing several rate lock extensions, which were all disclosed on the closing disclosure as charges to the borrower. On XX/XX/XXXX, a second closing disclosure was sent, which included {$820.00} in origination charges ( discount points ) and a lender credit of {$22.00}. Caliber Home Loans effectively charged the borrower for the rate lock extensions when the delays were caused by the originator ( Caliber ). 

Summary : On XX/XX/XXXX ( two and one-half months later ), Caliber informed us that we would not qualify due to a high DTI, which was due to my wife 's income being excluded from our " qualified income '' because of being on XXXX leave. 

Opinion : Caliber intentionally inflated our DTI to deny the loan, since Caliber is losing considerable money on the loan due to additional hedge coverage for rate lock extensions and the recent rallying of rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, SPRINGOAKCAP XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>, followed XXXX and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX XXXX XXXX permission to run my credit on XX/XX/2020 I asked for the information to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  Account Number : XXXX Please remove it from my credit report. 

11. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Loan has passed 7 year period on credit, date of 1st delinquency was XX/XX/2009 and its still showing on my credit report. I called and disputed it with credit bureaus and I was informed that it is reporting as a good debt and will not be removed. Wells Fargo has updated my credit file by changing the reporting date which may be causing account to remain on credit even longer. Status of this account was foreclosed and sold and reporting as a foreclosure this is not a good debt.
Product: Credit reporting or other personal consumer reports

Equifax is to remove formally known name XXXX and correct current job status to XXXX XXXX As I am unable to dispute on their website.