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

after checking my credit report on XX/XX/XXXX I received a copy of ny credit profile I notice Fraud Hard inquiries, I contacted the companies and they stated they don't have an existing account and they can't help me to resolve the issue. I then contacted Experian XX/XX/XXXX the gave me a confirmation number that they will resolve the Fraud Inquiries from XXXX XXXX XXXX inquirie XXXX XX/XX/XXXX FTC report # XXXX XXXX XXXX XXXX  XX/XX/XXXX FTC report # 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

This letter is formal notice that Credit Bureaus have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires them to respond within thirty ( 30 ) days, yet they have failed to respond. 
I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The wrong amount is being reported XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. I was NEVER LATE on this account.
Product: Debt collection

I am submitting this complaint regarding XXXX for their failure to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Specifically, they did not respond to my debt validation request and continued reporting the alleged account to the credit bureaus, which constitutes a violation under the FDCPA.

Details of the Incident : 1. Validation Request Sent : On XX/XX/year>, I sent a written debt validation letter to [ Debt Collector Name ] via [ Certified Mail/Return Receipt Requested, or other verifiable method ], requesting validation of the alleged debt under FDCPA Section 809 ( 15 U.S.C. 1692g ).

2. Proof of Delivery : According to my records, the letter was received on [ Date ], as evidenced by [ Certified Mail Receipt, Tracking Information, etc. ]. 
3. No Response Received : Despite the requirement to provide verification or validation of the alleged debt, [ Debt Collector Name ] has failed to respond within the legally mandated timeframe.

4. Continued Reporting : Despite failing to validate the debt, [ Debt Collector Name ] has continued to report the alleged account to credit reporting agencies. This action violates FDCPA Section 807 ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading representations, and specifically the prohibition on continuing collection efforts without validating the debt after a consumer 's request.

Resolution Requested : I request the following actions from XXXX to resolve this matter : 1. Immediate Cease of Reporting : Remove the account from my credit reports with all credit reporting agencies.

2. Provide Validation : Provide full validation of the alleged debt, including : o Proof that the debt belongs to me.

o Documentation showing the original creditor and amount.

o A copy of any signed agreements or contracts.

3. Cease Collection Activities : If the debt can not be validated, I request that [ Debt Collector Name ] immediately cease all collection activities related to this account.

Complaint Summary : Company Name : XXXX Account Number : XXXX Issue Type : Failure to respond to validation request and continued reporting. 
I believe that XXXX has violated my rights under the FDCPA, and I seek assistance from the CFPB in resolving this matter. 
Attachments : Copy of the validation letter sent.

Proof of delivery ( e.g., certified mail receipt, tracking information ).

Credit report showing continued reporting.

Thank you for your attention to this matter. 
SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is the second attempt for a debt sold by XXXX XXXX XXXX that was written off by XXXX XXXX XXXX. I was told that it was covered by XXXX because the item was never delivered. This is my second time being contacted about {$3000.00} that is owed to XXXX XXXX XXXX however I currently have an account with XXXX XXXX XXXX that is in perfect standings, so Im wondering I would have an account with that is Trying to collect a {$3000.00} debt. I do not owe anything to this company and would like to report this is fraud. I also would like to be reimbursed for my time as well as suffering. I will expect not to see anything on my credit report pertaining to this information as this may hurt my consumer report which may disqualify me from living the life that I am accustomed to
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a letter to XXXX XXXX XXXX XXXX agency to inform them that I am not aware of an account with them when I noticed they were reporting on my credit report. 
Account was then sold to XXXX funding in XX/XX/XXXX in which XXXX funding claimed I owed them money as well. I explained to XXXX funding that I did not have an account with XXXX but XXXX also started reporting on my credit report. XXXX funding is currently on my credit report twice with XXXX separate account numbers for the same supposed original creditor ( in which I explained to them, that I have no knowledge of the original creditor ). 
As of today, XX/XX/XXXX, I have been contacted by XXXX XXXX services that they are now in receipt of the account from XXXX funding, in which again I do not acknowledge having received any credit from XXXX funding.
Product: Credit card or prepaid card

XX/XX/2023 Purchased 3 Items Online from XXXX XXXX using their Credit Card through Capital One. 

XX/XX/2023 Wrong Item delivered in large box via XXXX was incorrect Item-Recieved 30 '' diameter round mirror with brass frame instead of medicine cabinet Contacted XXXX XXXX to resolve -- was advised correct item would be shipped. 

No Items received therefore disputed transaction online XXXX XXXX Capital One Account and amount of order credited while in dispute XXXX XXXX  advised Capital One that correct shipment was received and Captial One recharged XXXX XXXX Credit Card XX/XX/2023 Contacted Capital One via phone and was sent electronic link to refile complaint XX/XX/2023. Documents below. 
XX/XX/2023 Capital One recharged my account for the item not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My Name is XXXX XXXX. I have a Bankruptcy that is reporting on my credit report in error. Both Experian, XXXX, and XXXX I have made serval attempts over the past 12 months trying to resolve this issue with Experian, XXXX, and XXXX. I sent in my dispute in XX/XX/XXXX and received 2 response on XX/XX/XXXX on report # XXXX. On the first letter said the bankruptcy was deleted. I thought this has finally got corrected. Then 2 days later I received another letter from Experian saying it was verified as accurate. The Report date was XX/XX/XXXX and report # XXXX. I have attached these 2 documents. XXXX sent back a letter saying Verified as accurate and XXXX. The other issue is when they sent the second letter saying verified as accurate they indicated is was verified by XXXX a Third Party Vendor. XXXX  Stated the Bankruptcy was verified by the Bankruptcy Court in XXXX, TX. FCRA states you must verify with the original furnisher to get accurate information. This would be the Bankruptcy court in XXXX, TX where my credit report stated it was filed. This Bankruptcy was placed on my credit report in error. I sent a letter to the Bankruptcy Court and I do have that letter that will be attached also. The Bankruptcy Court sent me a letter saying they do not report information to or remove information from the credit Bureaus. 

The Bankruptcy is the original furnisher. XX/XX/XXXX I send another letter asking for a Method of Verification that is my right to know how Experian verified the information they claim is accurate. This is stated in FCRA. On XX/XX/XXXX I received another letter stating verified as accurate. I sent out another letter in XX/XX/XXXX asking again the method of verification and on XX/XX/XXXX again they say verified as accurate. Nothing saying how they verified this bankruptcy. Just violation after violation. This bankruptcy has an address that is not mine and not on my credit report. This has been frustrating you read the FCRA follow the steps but the Credit just ignores the policy. 

I have attached all letters from Experian, the letter from the court, and the letter i sent to Experian. Please, can you help me reach someone that will resolve this issue? All 3 of these credit bureaus have been violating my rights to a fair and accurate investigation.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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: Debt collection

I am being harassed by a collection agency named Linebarger Goggon Blair and Sampson. They have repeatedly called my home number even though I have informed them that they have the wrong number. They have called 5 times in the last two weeks and probably 20 times in the last 3 months. I have politely told them they have the wrong number, but they ignore me and demand my personal information. They ask for a person that doesn't live here and get rude when I tell them that no one by that name lives here. I am a XXXX XXXX XXXX and XXXX veteran living on a fixed income and the calls are triggering my XXXX. Luckily this morning I was able to jump on my bike for a ride to calm down. I thought there were laws about collection agency harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I filed a Better Business Beaure complaint against Navient who is currently stating on my credit report I was 90 days late in 2015 but only have XXXX marked which is only 30 days. When I called Navient, they have stated my account is Archived and that they no longer can pull up information on me. I am requesting that Navient remove this false information off my 3 credit reports please. Thank you
Product: Credit card

I applied for this credit card. They wanted me to go online to activate it. Once I tried to. The company wanted a {$35.00} a month service fee. So I called the # on my card that I received through the mail. And the individual. Told me yes there is a monthly fee. So I told the individual I wasn't going to activate the card. I hung up the phone and cut the card up. Without activating it. I received a letter in the mail .stating that there was fraudulent activity on this credit card I never activated. I perseved to call the 1800 # and the individual said that he could not see the problem until I activated the card online. Bank of America. Is the company
Product: Checking or savings account

I already tried making a complaint so there may be nothing Chase can do but I wanted to make sure-I recently paid two XXXX payments XXXX {$350.00} to someone with the XXXX username of XXXX. These turned out to be scams that did not need to be paid, though at the time I thought they were necessary since the receiver said they were bank fees that needed to be paid in order for me to receive a large amount of money from them through XXXX. They sent me emails that looked like they were from XXXX  as proof that these fees needed to be paid, but these emails were also a scam. I have attached a picture of one of these emails. 
Chase already said there was nothing they could do, but I wanted to make sure that there is no way I can be reimbursed since I was scammed unfairly. 

Also, I was sent a letter based off my previous complaint that said that some of the information suggests that someone other than you may have submitted the complaint without identifying themself. I can confirm this is not true and that I am myself, and I am not sure why that was sent. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

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

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

Requesting the removal of unauthorised inquiries on my EXPERIAN credit report. 
I am in XXXX XXXX, and are in the process of purchasing my first home and this information is harming my credit score and possibility of obtaining a lower interest rate.

Below are the unauthorised credit inquiries that need to be removed. 

XX/XX/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
Product: Mortgage

On XXXX XXXX super frustrated I went a head and reach out to you and describe HORRIFIC DISASTER of has happened to me.. I AM A XXXX. 
I am one of those with the XXXX. Who could no loner continue to work. 
I have defaulted on my mortgage and I am asking for help fro m Nation Star. Al I want is to be able to keep my home. I have XXXX children. 
I am requesting from Nation Star to stop the sale date which they moved to XXXX XXXX and review my file for a loan modification All I need is a work out plan that will benefit us all. 
I am asking that they extend the terms of the loan, lower the rate and adjust the principal balance. This will definitely make my home affordable and sustainable.
Product: Credit reporting or other personal consumer reports

In XXXX, I received numerous notifications from XXXX XXXX informing me that my credit had been ran by several businesses for XXXX XXXX. I did not request or complete any documentation for this. All of the inquires are below with dates. 

XX/XX/year> XXXX XXXX XXXX Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been in constant communication with Navient agents regarding my loan status. The lost time I spoke with an agent, and the information provided was that all student loans had been placed in forbearance status until XX/XX/XXXX. Per the office of the President of the US. And so, during this loan collection forbearance period, I was working towards consolidating my loans. However, last week I received a notice from the credit bureaus informing me that Navient reported my loans as delinquent thereby dropping my XXXX XXXX from XXXX to the low XXXX. Needless to say, I immediately went into shock. 
After I recovered, on XX/XX/XXXX I called Navient and spoke with an agent, I explained the reason for the call, explained I was misinformed by Navient, and demanded that the report credit report be rescinded immediately. He was unable or unwilling to assist, thus I am reaching out to CFPB for support and assistance in order to resolve this issue. 
Thank you : XXXX XXXX, I can also be reached via Text : XXXX I
Product: Credit reporting or other personal consumer reports

I, the consumer, respectfully submit this complaint to compel a ruling in my favor due to violations of my federal consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 et seq. ), and the Consumer Financial Protection Bureaus regulations under 12 CFR Part 1016. This complaint asserts the following rights and regulations which have been breached : 1. Right to Opt-Out and Prohibition on Non-Consensual Use of Information ( 15 U.S.C. 6802 ( b ) ; 12 CFR 1016.10 ) Under 15 U.S.C. 6802 ( b ), financial institutions must provide consumers with the opportunity to opt out of information sharing with non-affiliated third parties. This right is reiterated in 12 CFR 1016.10, which mandates that consumers private information can not be disclosed without first providing a clear notice and an option to opt-out. I have exercised this opt-out right ( see attached ), yet XXXX Bank/Sunbit disregarded my election by continuing to share my personal information, thus violating federal law. 

XXXX. Fair Credit Reporting Act Definitions and Requirements ( XXXX5 U.S.C. 1681a ( d ) ( 2 ) ) The definition of " consumer report '' in 15 U.S.C. 1681a ( d ) ( 2 ) has an exclusion as to the types of consumer information that can be shared. In my case, XXXX XXXXSunbit has reported information containing transactions and experiences between the consumer and XXXX XXXXSunbit which are to be excluded from the consumer report. The information disclosed falls under this definition, and disclosure is unauthorized, infringing upon the consumers rights under the Fair Credit Reporting Act. 

XXXX. Negative Information ( 15 U.S. Code 1681s2 ( a ) ( 7 ) ( A ) ) According to 15 U.S. Code 1681s2 ( a ) ( 7 ) ( A ), any financial institution that furnishes negative information to a CRA must provide a notice of such negative information, in writing, to the consumer. XXXX XXXX/Sunbit failed to furnish such written notice to the consumer and has violated this provision of the FCRA.
Product: Mortgage

I have been working on a short sale with Select Portfoio Servicing since XXXX/XXXX/XXXX this loan was issued a HAFA program approval letter on XXXX XXXX, XXXX valid through XXXX XXXX, XXXX with a sales price based on a value of {$160000.00}. An offer was submitted to SPS at {$160000.00} along with the required documents as outlined in section XXXX of their letter. SPS has delayed the review of the file and continued to request documents over and over again even after approving this file. I filed a complaint with Making Home Affordiable and in retaliation SPS canceled file as they said the buyers offer was to low, this property had a value of {$160000.00} and a HAFA approval letter issued in XXXX. SPS updated their values on XXXX/XXXX/XXXX and increased the value to {$170000.00} after they had already issues an approval letter based off of the {$160000.00} value not an updated value of {$170000.00}. SPS has failed to follow the HAFA guidelines and has caused harm to the borrower and the buyer. 

Please see the below timeline as it relates to the buyers offer. 
XXXX/XXXX/XXXX - VALUE {$160000.00} ( This was the BPO value provided by SPS ) XXXX/XXXX/XXXX - SPS Issues HAFA Approval letter good through XXXX/XXXX/XXXX XXXX/XXXX/XXXX - {$160000.00} Offer Submitted XXXX/XXXX/XXXX - SPS requested all seller financials ( After HAFA approval letter had already been issued ) XXXX/XXXX/XXXX - {$160000.00} buyer increased offer to {$160000.00} submitted to SPS XXXX/XXXX/XXXX - Requested addtional seller & Buyer documents XXXX/XXXX/XXXX - Requested addtional seller documents XXXX/XXXX/XXXX - Requested more information on buyers down payment XXXX/XXXX/XXXX - Esicated issue with SPS XXXX/XXXX/XXXX - New value of {$170000.00} ( HAFA APPROVAL LETTER AND BUYER OFFER ALREADY SUBMITTED ) XXXX/XXXX/XXXX - Submitted Utilitie Bills XXXX/XXXX/XXXX - Still reviewing documents XXXX/XXXX/XXXX - Escilated with Ombudsman department XXXX/XXXX/XXXX - Reviewing MHA dispute XXXX/XXXX/XXXX - File cancled for offer being to low.
Product: Mortgage

Wells Fargo home mortgage fraudulent over XXXX through the actual foreclosure in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been on my credit report for over 7 years and hasn't dropped off and I want these account removed asap