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

Send out 2 section 609 letter company refuse to comply with credit reporting law copy of letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX Name of Account Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX 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 card or prepaid card

Attached is official court paperwork granting me Commission to Guardian filed XX/XX/18, for my mother who is now deceased ( guardianship still in effect until final paperwork is filed within 5 month period ). This guardianship pertains to deceased cardholder XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Previously, all statements and correspondence were being directed to the guardian as follows : XXXX XXXX XXXX, XXXX, NJ, XXXX. 
Subsequently, upon my mothers passing, another family member called to report the passing of XXXX XXXX and changed the address back to XXXX XXXX XXXX XXXX, XXXX, NY XXXX, this was not correct, this is the address of daughter XXXX XXXX who made a total of {$4400.00} in unauthorized charges on the card. Be advised, that the remainig balance due on the card is the responsibility of authorized user XXXX XXXX and not the estate of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of Police Report XXXX XXXX1. and FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX -- Contacted XXXX. Spoke with a rep who acknowledged the error and said he would take care of the issue. He never called back XX/XX/XXXX -- Contacted XXXX again. No assistance. Contacted the Corporate Office and was advised by Rep that the information should not been reported to the Credit Bureau since the entire amount was in error as XXXX continued billing me through XX/XX/XXXX even though I terminated services on XX/XX/XXXX when I moved to another state, I was told someone would call me in the evening, but I did not hear from anyone. 

I also contacted Southwest Credit Collections and spoke with a rep. She stated she could do nothing until she hears from XXXX. She stated she had not been contacted by XXXX so that the information could be removed from my Credit reports.
Product: Debt collection

Hello, I received two bills for my sons medical service but I recently received a debt collection for {$150.00} usd. 
I have two last names and no middle name, and I think I am being charged using a different name which is not accurate. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

On XX/XX/2023, I was co texted by a debt collector before the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter ( please see below ) to Transunion to investigate this matter and verify the accounts listed below. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Inquiry XX/XX/XXXX Unverified Account XXXX XXXX XXXX Inquiry XX/XX/XXXX Unverified Account XXXX XXXX Inquiry Unverified Account XXXX XXXX Unverified Account The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts listed above have violated my credit rights. 

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 USC 1681b ( 2 ) states that any negative items that a company reports without my written consent is considered identity theft.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.
2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Debt collection

My husband passed away in XX/XX/XXXX.  I contacted his bank to ask for a printout of the last 3 months in order to contact any accounts he had.  I contacted Lending Club and they stated it was a joint account because I had signed for the loan.  I absolutely did not.  I had no knowledge this loan existed and would not have agreed to take out a loan from them.  They sent my denial through the their fraud department.  Their decision was that it was a joint account, therefore, I owed the debt.  I asked for a copy of my signature but was told it was done by checking a box electronically.  I asked for date and time signed and IP address of computer used.  I was told all of that would be sent to me.  Nothing was ever sent.  I never received an email, phone call, package of information in the mail, or anything to let me know a loan was taken out in my name.  I was unaware the loan existed until my husband passed away.  I never speak to the same person at Lending Club.  Each person I speak to assures me the information requested will be sent.  At one point, I was told the information could only be sent to an attorney so I gave them the name and number of my attorney-still nothing.  I sent a letter to the Lending Club corporation but did not receive a response.  I was told they would re-investigate my claim and someone would call to talk with me.  Instead, they placed the loan in a charged off file and it is destroying my credit.  I filed a dispute with the 3 credit reporting agencies.  XXXX has deleted Lending Club from my file.  XXXX   and XXXX have not as of yet.  If my name was used, it was used without my permission or knowledge.  I didn't keep a list of all dates and times but here are a few:  XX/XX/XXXX spoke with XXXX.  He did tell me the loan began XX/XX/XXXX.  I asked for the time and IP address and he said it would be sent to me.  He forwarded me to someone else.  I left a message but received no call back.  XX/XX/XXXX spoke with XXXX.  He said it was being investigated and someone would call to ask me questions.  XX/XX/XXXX spoke with XXXX.  She said the account was determined to be mine.  I asked how that was possible since they were supposedly investigating and someone was supposed to talk with me.  She said she must have made a mistake and someone would call me.  XX/XX/XXXX spokje with XXXX.  she said someone would call me.  Later in the month, the fraud specialist called to tell me I was responsible because it was a joint account.  My attorney is XXXX XXXX, XXXX.  Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is the worst business ever. 
they put negative information about my account, that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report, they failed to contact me, through email, phone or mail this is my rights under FCRA, SCRA, i am XXXX XXXX XXXX " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. '' and " You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. " they say they try to contact me many times, which never happen and they refuse to show me any email or mail letter to confirm they reached me or even phone log, i only received one letter to tell me i have negative payment going to the report i asked to show anything to verify they reached me personally, they refuse. 

my only problem, is their own collection department : -do n't care that i am SCRA -refuse to show that their information is verified -add more information without my consent on my report ( 30 days late, and note that i didn't like their investigation ) -delayed my process -never answer question -refuse to understand that sometimes accidents happen -acting like their system is 100 % error proof and no way that accident happen and i wasn't informed -refuse to work with any negotiation -refuse to minimize damage -failed to inform me with any issues so what is their job exactly?
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX v. TransUnion Corp. ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX
Product: Checking or savings account

I received a text at XXXX PM on XX/XX/2021 from XXXX XXXX claiming to XXXX Citibank. The text states that due to my recent activity, they have closed my account and I should visit the web link included in the text to unlock my account, or visit my local Citibank XXXX. When I clicked on the link, i was redirected to a warning message from XXXX XXXX stating that the site that I attempted to visit is dangerous.
Product: Credit card

The situation at hand is causing me considerable XXXX  and affecting my XXXX  quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.
Product: Credit reporting or other personal consumer reports

This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

Out of the blue, I received the following notice 3 days ago from XXXX : AARGON COLLECTION AGEN has flagged your account as Collections. 
Today AARGON COLLECTION AGEN has flagged your account as Collections on XX/XX/2023. 
Source : XXXX XXXX : AARGON COLLECTION AGEN Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$56.00} My credit is now being adversely affected and I don't even know or have an inkling of what this is about. I have previously received no correspondence whatsoever from this debt collection agency. I received no physical mail, phone call or email. Can they legally tarnish my credit like this?
Product: Mortgage

I am a mortgage customer of Wells Fargo. I had damages from a storm this past spring that involved my roof, pool liner and pergola. The pool liner and roof have been fully fixed and the pergola is scheduled to be completed in the spring XXXX. The pergola claim amount represents XXXX  % of the total claim. 

After the pool liner was replaced, I submitted the necessary paperwork to my insurance company, XXXX XXXX, who sent me the remaining amount of the money for that portion of the claim. When I got the roof replaced in early XXXX, I again submitted the paperwork to XXXX XXXX so I could get the remaining amount of the insurance claim check for that portion of the loss. They sent me the check but also included my mortgage company, Wells Fargo, on the check which is understandable. Wells Fargo requested an inspection of my property and requires XXXX  % of the damages to be fixed before endorsing the check. The company who did the inspection and submitted the pictures ( XXXX XXXX XXXX ) submitted the inspection at XXXX  % complete. This then goes to XXXX XXXX XXXX who changed the results to XXXX  %, causing my inspection to fail. 

I've been in to Wells Fargo on XXXX separate times, totaling over XXXX minutes of my time and they weren't able to tell me why the inspection failed. Only saying they'd escalate it but that would take XXXX business days. I've been dealing with Wells Fargo now for XXXX  days without any results and they continue to drag their feet and hold me XXXX from getting the check endorsed. They are claiming because the pool cover was on the pool they couldn't validate the pool liner was replaced, even though I've sent them the pictures and paid invoices from the pool company who did the work back in XXXX. Again, they allowed the payment for this portion of the claim to come directly to me without having to be on that check. They are now in the way of the check I need endorsed so that I can then pay my roofer for their completed work. 

Wells Fargo has the information they need to get this resolved and simply doesn't care about me as their customer. It's unacceptable. The late payment notices I am getting from the roofing company certainly has a negative impact on my credit rating and I need this resolved. Can you please help me? 

Additionally, I am getting ready to go into XXXX once this is resolved and will be paying off my mortgage with them as I can't stand giving them another XXXX of interest on this loan. I asked for a mortgage payoff quote and they tried to quote me a payoff amount with an additional 2 days of interest because they say it takes them 2 days to process the payment. What? I used to work in the financial services business and understand how money movement works and what real-time payments are. I don't care how long it takes them to do their work, if I'm paying them today, the payoff amount should be for today 's date. That's criminal behavior in my mind. They are literally stealing money from hundreds of thousands of customers with this approach, as most probably just say " ok ''. That's not ok and someone should look into this unethical business practice.