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

There is information that is in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted but for some reason this company has been adamant about violating my consumer rights and at this point I have been suffered from extreme injury and i would like to move forward with legal actions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> Formal Complaint against Experian Non Compliance with FCRA Regulations. 
On XX/XX/year> spoke with your fraud Department I was informed that isnt Experian responsible to obtain any information from the Creditors and under FRCA the Creditor are deemed trustworthy. FCRA law clearly not being followed by Experian 1.Section 1681e ( b ) provides : 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. 15 U.S.C. 1681e ( b ).

2.Consumer have a right to send a method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. 


3.The Fair Credit Reporting Act ( FCRA ) is a law that protects consumers from inaccurate credit reporting by requiring that consumer reporting agencies ( CRAs ) and furnishers provide accurate information : Consumers file several Methods of Verification for identify theft to XXXX XXXXXXXX no follow up from Experian. Consumer didnt receive any hard evidence or documentation within XXXX. 

Consumer file Method of Verification with Freedom Mortgage no response or documentation submitted within 15 days Consumer file Method of Verification for Flag Star bank no follow up or documentation submitted within 15 days.

Experian has shown complete disregard for law that are assigned to assist the Consumer and protect the Consumer Rights to fair and inaccurate reporting.

Im requesting Experian be held accountable for not following FCRA and Sanction to the full extent of the law. If Consumers cant trust the CRA to report accurate information than that what sense does it make to have law that governs according.

Im requesting the Following Experian deleting all negative from credit reports from the Creditors list in this letter.

I will be contacting an attorney if these issues arent addressed within 15 days of this and seek a lawsuit in court.

CC : Consumer Financial Protection, Federal Trade Commission, State Attorneys over Consumer Affairs Thank you XXXX XXXX
Product: Credit card

First, I want to thank CapitalOne for resolving the previous issue with the credit line semi-efficiently, it 's just unfortunate do n't provide for such resolutions without involving the CFPB ( ca n't just email CapOne ) ... Unfortunately now have another issue but this time a slightly bigger issue. We tried to file a dispute online and the system was down, it was down for a week or so as we continued to try to no avail. We called and after several questions, were told to call back in a couple hours because the system was down ( this compared to, 'can we call you back once our systems are back up and running? ). I think companies are confused in thinking that consumers wake up seeking things to do so they are happy to spend half a day trying to resolve something that should take a simple email. I deal with things at odd hours and during those hours, really do n't care to discuss the issues on the phone ... 

So now via this complaint, CapOne needs to process the dispute we have been trying to submit. It 's for the purchase XXXX XXXX to XXXX for {$120.00}. Yes, we tried resolving this through XXXX and also through XXXX. Please also understand that we use our credit card with XXXX versus simply drafting from our account precisely for this protection that it affords ( we do n't need to buy using credit ). For the timeline and why taken so long which is part of the issue. Bought an item that shipped from XXXX so took a month to get to us so that takes us to midXXXX. Immediately installed it so within 24 hours of receiving it notified the seller that there appeared to be a problem ( it was n't completely dead, just seemingly not working right ). After that communication started I think in hindsight the seller began intentionally delaying the communications. Most every communication I had to follow back up and were given excuses like he was in the hospital, he had to wait several days for the XXXX factory to response, then XXXX XXXX XXXX ... which means another month ticked by and in the end, which by this time the unit completely failed, but the seller stated he did n't believe there was a problem and offered me {$20.00} ( {$20.00} for a {$130.00} unit that at that point was dead, obviously not a equitable resolution ). So at that point contacted XXXX who essentially said too much time had gone by even though they could clearly see the communications I detailed above ( the communications were a part of their messaging system ). So then contacted XXXX and also no resolution. All of that took a few weeks and then the issues trying to get this submitted with CapOne and here we are. Here I am also with a new heater I purchased which CapOne can find that charge a few weeks ago ( another XXXX for around {$140.00} ). 

So that is basically all of the info but if CapOne needs more, please email me as they did with the other issue. Of course they did n't respond after I responded and continued to try to call but clearly they have the ability to email which to me is more efficient.
Product: Student loan

On XX/XX/XXXX I submitted a request through Wells Fargo for a temporary loan modification. I had just started my real estate career in California and I was waiting for a couple of deals to close. In the meantime, I had been working at a restaurant to help pay the bills. My loan was beginning to default and I did not want this problem to spiral out of control. I continued to call into Wells Fargo to check on the status of my loan modification request. They continued to tell my co-signer and I that they still needed additional documents. They also requested documents that I had sent to them before. This raised some concern for my dad and I. If they were n't receiving these documents, where were they going? Was anyone actually handling our request? This chaos went on for an additional four months while my loan continued to default. On XX/XX/XXXX we receieved a letter saying that my request had been denied. I could not believe it. In the matter of four months both my credit and my dads credit had been destroyed. I was now left with an outstanding bill that I could not pay. They told me that there were no other options. Why could I not temporarily lower my payments based on my income? When I talked to a Wells Fargo hardship specialist, he informed me that I did n't have any income and my co signers debt to income was so high that if they dropped their payments I would still be over extended. I asked him why it said that I did n't have an income if I submitted my restaurant pay stubs. He could not give me an answer. If they thought that a lower monthly payment would be a stretch, what did they think would happen when you sent me an outstanding bill for the four months that my application was being processed? I really feel as if they were setting me up for failure. Now I have been making payments on my account even though the loan is still in default. My payment is due on the XX/XX/XXXX of each month. Yesterday I was very sick and forgot to make a payment over the phone. When I called first thing this morning, I was expecting that I would have to pay a late fee. Mind you, this is 12 hours after my payment was due. On XX/XX/XXXX ( today ) I spoke with a Wells Fargo supervisor who told me there was nothing she could to do help me. She said my acct had been sent to collections and she had no telephone contact or any way to help. She said she 's never seen a charge off, which clearly is n't the case if she works for a major bank. She was incredibly rude and offered no support. At the beginning of every call, Wells Fargo let 's the customer know that the call is recorded. If they were to go back and listen they would see just how serious my dad and I were about resolving this issue. All that I asked for was a temporary modification while I waited for a couple of deals to close. I have no idea what to do at this point. Wells Fargo has shown ne that they are not willing to help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMERICAN COLLECTION SE ( Original Creditor : XXXX XXXX XXXX - 2017 ) and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, AMERICAN COLLECTION SE ( Original Creditor : XXXX XXXX XXXX - 2017 ) and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ) Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of Furnishers to Provide Accurate Information ( 1 ) Prohibition ( a ) A person who furnishes information to a consumer reporting agency must not provide any information that they know or have reasonable cause to believe is inaccurate.

Reporting Errors : If a consumer notifies the furnisher that specific information is inaccurate, the furnisher must refrain from providing that information to the consumer reporting agency.

Reasonable Cause : The term reasonable cause to believe that the information is inaccurate refers to having specific knowledge beyond mere allegations by the consumer that would cast doubt on the accuracy of the information.

Once the original creditor sells the debt to a third-party debt collector without my permission. I no longer owe the debt.

15 US Code 1681i ( 5 ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the treatment of inaccurate or unverifiable information in a consumer 's file at a consumer reporting XXXX. If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the XXXX.
Product: Credit card or prepaid card

I had an American Express prepaid card for years. They sent me a letter stating they closed it in XXXX for no apparent reason, just a generic article that they can close it for any reason. I still had over {$130.00} of my own money on the card. When I call with my number it says your account is closed and hangs up. When I call from my sons number the rep says a check has been sent and the account is closed and can't tell me why or where the check is. I just want my money back. I also sent a letter to them in XXXX and still have not received a letter, email, check or any kind of response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

My sister took out a loan using my affirm account to buy some shoes for XXXX dollars through the XXXX I did not consent to her doing that, and all she needed to do was use my phone number without my knowledge. She didn't need anything else to prove it was me. No ssn, no security question, not even a password. The account the money is owed in is even in her name but going on my credit report. I called them after it appeared on my credit report on XXXX and they said this should be an easy fix because its in her name and that theyd send an email to let my provide evidence that she was a real person. I checked everyday for a week and they didn't send it. I called them again and they told me it was an email that only lasts 24 hours after being sent, but will randomly be sent somewhere between 24-48 hours. I again checked every day for a week before time ran out to provide evidence through this email cause they only gave me 15 total days. I also filed a dispute with XXXX  and they got back to me today saying that affirm told them all the information about how much I owe is correct. And the bill didn't get noticed till late XXXX because I didn't remember affirm and I still have no idea who the XXXX even is so in I figured the emails were spam, I get loads of those kinds of emails saying I won something or owe something. The only reason I remember making an affirm account was when I was XXXX, stuck in new jersey thought maybe I could get a flight payment plan, couldn't. But that's the only time I ever personally used it, 2 years ago.
Product: Credit reporting or other personal consumer reports

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Product: Debt collection

I was sent a bill from XXXX approximately XXXX. I explained to XXXX I never had an acct with them. XXXX sold the acct to midland funding. In XXXX midland funding filed a suit against me in XXXX county nj. I won the case and case was dismissed. since XXXX I have contacted midland 4 times about removing this from my credit. I have been lied to given the run around and the company has shown no concern with this. this is still on my credit causing my score to be lower. I had no knowledge of CFPB until today. Anything that can be done would be appreciated. Thanks midland funding XXXX.
Product: Debt collection

I have requested proof of ownership, original signed contract, balance of account and have not received any information. This company continues to tarnish my credit report and harass me with no validity of debt. Debt is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original  creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me
( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this  matter to enforce my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you
Product: Debt collection

Got letter from a company but was not informed by original collection that this was sent to college or another service provider without my consent to give my info to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act to request your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} I would appreciate your assistance in addressing this account that is still being reported on my credit file with a zero balance. I want to bring to your attention that this account have already been paid off in full. Therefore, I kindly request that you conduct an investigation and consider removing this account, as it seems to be having a negative impact on my credit score. Furthermore, I would be grateful if you could provide me with a detailed report outlining the measures taken to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX XXXX Balance : {$2200.00} This account has already been paid off, as I was informed that it would be removed once the full payment was made. The balance reported for this account is evidently incorrect and misleading. I would greatly appreciate it if you could promptly provide clarification regarding the reason for this inconsistency. The balance seems to be clearly inaccurate, and I kindly request that you rectify the issue by either setting it to XXXX or considering the removal of the item from my record. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report.
Product: Debt collection

I would like to add to an existing complaint. Complaint No. # : XXXX. NCB XXXX XXXX sent me a letter on XX/XX/2019 claiming they have conducted an investigation into my complaint stating that they can't substantiate the allegations brought against them specifically providing validation of my signature showing that I have some obligation to pay them a debt owed. They still have failed to provide any validation of my signature on any loan or debt obligation to NCB XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.