23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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, XXXX and Experian 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian 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 ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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 are not maintaining reasonable procedures.
Product: Mortgage

Good morning -- We refinanced with New Rez LLC ( which was also our previous mortgage company ) in late XX/XX/XXXX. All of our closing documents stated our first payment was due XX/XX/XXXX. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, I had been in touch with New Rez LLC to inform them that I received an email and a bill all stating the incorrect first date payment. Each time the customer service agent stated that it was escalated to Tier 2. They additionally acknowledged that it was a mistake by the Processing Dept but would not and claimed they could not get me in touch with that department to fix the error and they would send email. Each time, I asked that an email be sent to me to inform me that the mistake is being corrected and that indeed records do show that the correct first payment date is XX/XX/XXXX. I indicated that I want to be covered legally as this is a big issue and I'll not be paying a XXXX payment, as my closing documents clearly state XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS THAT I HAVE LISTED WERE NOT AUTHORIZED BY ME. THESE ACCOUNS WERE ALL OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THESE ACCOUNTS NEED TO BE REMOVE IMMEDIATELY. I HAVE PROVIDED DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT THAT I HAVE FILED TO SUPPORT MY CASE. 
XXXX XXXX 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 or other personal consumer reports

I believe FCRA 605B obligates us to eliminate any erroneous accounts from my credit report. Can you verify the documents? Several of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Bank account or service

To Whom It May Concern at the CFPB : I am a Wells Fargo customer, and when I used a non-Wells Fargo ATM, I was charged something like {$3.00} to withdraw {$20.00}. I understood that I would be charged that amount and agreed to pay it even though I consider the amount of the fee an obscenity. 
When I received my next feed statement from Wells Fargo, I saw that Wells Fargo had charged me an additional {$2.00} to withdraw {$20.00} from a non-Wells Fargo ATM. 
I am writing to complain about the Wells Fargo fee, which I did not know about at the time I withdrew the money. Such a fee is gouging. 
Can your organization get Wells Fargo and other banks to stop such gouging?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **Credence Resource XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX : Account Number XXXX To Whom It May Concern : This letter is a formal request for debt validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the validity of the debt you are attempting to collect and requesting the following information : XXXX. **Proof of Chain of TitleXXXX : Provide documentation proving that XXXX XXXX XXXX is authorized to collect on this debt. This must include a complete and clear chain of title demonstrating how the debt was transferred to your company. 

XXXX. **Signed Contract** : Provide a copy of the signed contract or agreement between myself and the original creditor that grants you permission to collect this debt.

3. **Payment History** : Provide a detailed, itemized list of all payments made on this account, including dates, amounts, and the entity to which payments were made.

4. **Insurance Claims** : Disclose any insurance claims filed or payments received related to this debt.

5. **Violations and Damages** : If any violations of the FDCPA or other consumer protection laws have occurred during your collection efforts, I demand {$1000.00} per violation as provided under 15 U.S.C. 1692k.

Under the FDCPA, you are required to cease all collection activities until you provide the requested validation. Failure to comply with this request within 30 days of receipt of this letter will result in further legal action.

Additionally, I demand that all communication regarding this matter be in writing and sent to the address above. Do not contact me by phone or email.

This letter serves as notice that I am disputing this debt and requesting validation. If you fail to provide the requested information within 30 days, I will consider this matter resolved and will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and any other relevant regulatory agencies. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This lab work was paid by my health insurance this company tried to collect unlawful debt before using different location also has used neighbor spoofing tactics to collect unlawful debt please investigate this harassing unlawful company close there business permanently before someone becomes victim of this company.
Product: Consumer Loan

I need to update my claim against Mid-Atlantic Finance Company. I gave the wrong account number to my previous claim as they have sent me a letter when they purchased my automobile loan from XXXX XXXX XXXX 's buy here pay here car lot. They sent me information on a XXXX XXXX XXXX that they also bought from XXXX.My account number was XXXX.This loan was purchased without my consent and I did n't know about it until two months later made one payment to XXXX after this company had purchased my loan. They collected the car a few months later.I never received a letter stating they did get the car, when it was sold, and how much was left owing on this car.I am also being charged for more that was left owed on the car when they first bought the loan.I believe they have broken Florida 's state laws purchasing this loan without my knowledge, or consent.I never had a contract with this company.My contract was with XXXX.Which I paid for over two years without one single late payment.They also have broke the law by sending me information on someone else 's loan.I gave this car back, and I feel they never lost any money as they bought this loan for a higher amount that was owed on from the buy here pay here, and then they received the car back, and was sold again. This company has made several false information on my credit report, as I am a member in XXXX credit.They went back and searched my account and found where they went from not reporting anything on this closed account to changing it on terms of months when I purchased this from the car lot it was for three years.I only a year, or less left to pay they put in 360 months. They changed amounts owed.It was a little over XXXX XXXX, then XXXX XXXX, and now over XXXX.This company has several complaints, and lawsuits over their acts. I feel they have broke several laws trying to collect on money I feel I never owed this company anyway.I never signed an agreement with this company. They purchased my loan on XX/XX/2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian XXXX XXXX XXXX To whom it may concern recently Made dispute with XXXX XXXX XXXX you replied back saying it was verified.. You Fail to send me documentation of the Description of the procedure or the re investigation by law.. This is a violation of of my rights.. 15USC section 602A states I have a right of privacy .15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instruction Also fail to send me signature of contract we agreed on You denied full validation that I requested by law. Please look in to this matter Cfpb XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX : XXXX To Whom It May Concern, On XX/XX/2022, I wrote to you requesting an investigation into items listed below. The below accounts are INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is myTHIRDrequest, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : XXXX XXXX As the original credit and executor, I never granted any specific company the right to contact me, and they did so continuously using abusive tactics. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privacy.You are violating laws enacted by congress, and I am aware of my rights as a consumer. Remove this defaming information immediately. XXXX XXXX The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In addition to that, these late payments can not be validated. - Please remove this inaccurate information from my report. This company is in direct violation of congress law. Please investigate and delete immediately. I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. This account has also been in a dispute status all while still attempting to collect debt, and I've yet to receive verification of debt via mail with proof of ownership of this specific charge off account Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may or may not be inclined to prepare a statement for online public release, including documentation of any potential law violations that I will be preparing all documentation for validity and forwarding all said complaints to the organizations below : CC : XXXX XXXX, Assistant XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller of the Currency CC : Federal Reserve XXXX XXXX : XXXX and XXXX XXXX of XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX Enclosures : Proof of Address Proof of Identity
Product: Credit reporting

Developers of credit scoring models review a set of consumers. The historical credit profiles of these consumers are examined to identify common variables. The developers then build statistical models by selecting the credit variables most predictive of future behavior and assigning appropriate weights to each variable. However Experian will once per month automatically update your Credit Score. Nevertheless since XXXX XXXX, 2016 was the most current update ; noticed that Experian more quickly reflects a decrease in credit score ; but display a longer delay if making an update if your credit improves. Their reporting pattern demonstrates a favor to report Negative information towards the consumers. Businesses pay that a Credit Reporting Agency reflect negative information to collect debt. Their Credit Score reporting patterns have the inferences of discriminatory practices towards who they consider " BAD '' or " POOR '' credit risk consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that XXXX XXXX XXXX account XXXX XXXX which is currently a charged off account, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and the Date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instruction.

I havent given written permission for this company to furnish this account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights have been violated, i sent in a request about what i saw on my consumer report and adv them to correct and provided the laws violated because this is not fair and right. They failed to respond fair and correct. now im reporting it this. i sent certified mail, here is a tracking number XXXX and i have the receipts. 

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : i did not use in manner which is fair and equitable to the consumer in reporting negative allegations without written permission. a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Remember, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

please audit these companies and correct my report as this is harming my chahracter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I filed a dispute with Equifax in regards to a collection account being reported on my credit report i received a response in late XX/XX/XXXX that the account had been VERIFIED as belonging to me and would continue to be reported on my Equifax credit file. I since a 2nd dispute  notification to Equifax in XXXX of this year XXXX, I received a response from Equifax dated XX/XX/XXXX that stated " The disputed item is not currently reporting on the Equifax credit file '' which was FALSE and I suspected that so I pulled my report via my personal Equifax account and sure enough the collection account was still being reported on my Equifax credit file as of XX/XX/XXXX. In XXXX of this year I filed two separate disputes with Equifax because I have yet to be provided with detailed VERIFICATION that this account belongs to me nor is by dispute even being investigated. I received two separate  responses from Equifax none that provided Verification of the account belonging to me. In XXXX of this year I contacted the debt collector and the company responded that the debt was SOLD to them in XXXX to XXXX but provided NO information that VERIFIED I owed XXXX XXXX XXXX {$940.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent numerous letters to Equifax asking them to validate a Chapter XXXX BK that is reporting on my credit report. Equifax has responded back to my request on a few occasions indicating that the investigation has been completed and that the Chapter XXXX BK was verified by a 3rd party known as XXXX XXXX. They have also asked that I notify the data furnisher 'USBK Court XXXX Florida ' as well. 

I sent a response to Equifax asking them the verification method that was used to validate the Chapter XXXX BK with XXXX XXXX - as well as who they spoke too, how the validation was conducted and phone number for the contact. They keep on responding back in their letters indicating the Chapter XXXX BK has been verified by XXXX XXXX and that I should contact the data furnisher 'USBK Court XXXX Florida XXXX as well. The same response is sent back to me as a generic answer to my request for my credit report. They never indicated the method of verification that was conducted with XXXX XXXX, who they spoke with and a contact number. 

Equifax has failed to legally validate the Chapter XXXX BK reporting on my credit report. They indicate XXXX XXXX the 3rd party verified this information. This is can not be the case as my XXXX XXXX Consumer Report is frozen and has been for quite some time for identity purpose. I have also contacted the 'USBK Court XXXX Florida XXXX asking how such information is validated with XXXX XXXX and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies.
Product: Debt collection

In XX/XX/XXXX I was divorced my ex husband got the XXXX XXXX XXXX and I got the XXXX XXXXt. A judge signed off on it. In XX/XX/XXXX my ex husband defaulted on his XXXX XXXX. The company Santander put it on my credit. When I am not financially responsible for it. I have legal documentation to prove it. Because of this it prevented me from buying a house for my children.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Update Rental Payment History Dear Experian, I am writing to address an issue with my rental payment history reflected in your records. Upon reviewing my Experian credit report, I noticed that my rental payment for XXXX has not been updated. 

Attached to this letter, I have included a copy of my rent ledger, which clearly shows that my XXXX rent payment was made in full and on time. The rental information in question pertains to the following account : Account Name : [ XXXX XXXX ] Account XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX kindly XXXX that your company investigate this matter and update my rental payment history to reflect my XXXX payment. 

Please do not hesitate to contact me. I would appreciate confirmation once this update has been completed. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the rights 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