23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all 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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

An attempt to open an account with XXXX on XX/XX/23 and an attempt to open a XXXX XXXX Account on XX/XX/23. Neither of these attempts were done by me. They have shown up on my credit inquiries. I was contacted by both banks and I reported them as fraudulent and that they were not me. 

Both institutions stated they were not opening the accounts, however I have not been able to confirm this. 

I have called XXXX and XXXX. Calling XXXX next. XXXX requires a letter from the FTC that I reported this before they will remove the inquiry.
Product: Money transfer, virtual currency, or money service

I originally filed a complaint on XX/XX/2022 and was assigned the following reference Consumer Financial Protection Bureau, case number : XXXX. I was then contacted by XXXX XXXX Executive Office Case Specialist of the XXXX XXXX XXXX XXXX XXXX Wells Fargo. Further reference letter XXXX XXXX that was submitted to the CFPB according to Wells Fargo they attempted to do a wire transfer but it came back account unrecognized when I asked for a copy or a confirmation of the rejection I was offered a cashier 's check for the total amount of the CD accounts. The cashier 's check was received on XX/XX/2022. Due to banking regulations in XXXX the cashier 's check can not be negotiated nor deposited. I've gone ahead and tried to contact Wells Fargo once again and have come across the same problem where no one is answering the phone. I even went as far as trying to contact XXXX XXXX XXXX at XXXX And have left her four different voice mails but I have yet to get a call back. 
On XX/XX/2022 my son initiated a wire transfer from his personal account Using the very same information that was given to Wells Fargo and the transfer went through the very same day. I feel that Wells Fargo has try to resolve this matter in bad faith and being disingenuous with the information that they provided it offered a quick cashier 's check just to end the problem. The problem still exists the cashier is worthless and we need to have the money wired to the account that was provided to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 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 has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I sent a letter exercising my Equity and disputing the student loans asking for the XXXX asking for the school to send me the " Original Instrument of Indebtedness in it's original form ''. I've gotten no response back from Navient Dept of Education ... even though I have a certified mail receipt saying that they did indeed receive my dispute letter on XXXX. This is now a violation of the Fair Credit Reporting Act and I intend to follow through with a law suit ( as I have a paper trial ) FCRA SECTION 611 Part ( A ) ( 1 ) failing to respond in 45 days. I also sue for the max for also noncompliance. If this item is not removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Phone calls from ( XXXX ) XXXX starting XX/XX/1017 claiming to be Chase Bank stating my account is overdrawn. Subsequent calls have my overdrawn balance getting larger. I do not bank with Chase and I asked that they stop calling. I have received six calls since that date and I have added the number to my auto reject list but the calls continue to come. I contacted Chase fraud unit regarding the calls from this number, and they stated that number is not one of theirs.
Product: Mortgage

In 2011 we had an FHA mortgage with Wells Fargo. Our loan payment was increased due to what they described as an escrow shortage but reasons why could not be established. This was done every 6 months for 18 months. We ultimately had to foreclose on our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by XXXX XXXX, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months XXXX XXXX reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to XXXX  on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from XXXX XXXX. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX  is basically taking the word of XXXX XXXX because they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and XXXX  as well as the other two credit bureaus. I need help from another agency now.
Product: Payday loan, title loan, or personal loan

I received a text from bread accusing me of defaulting on the loan, which is setup on autopay and the payment was already deducted from my bank account. 

The text was received at XXXX on XX/XX/2023. The text includes the following : Bread : Please contact Bread at XXXX regarding your defaulted loan for the purchase made at I attempted to contact the company via the provided phone number, but the line says their office is not open and has no hours listed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically with regard to fraudulent and inaccurate information being reported on my credit file. Despite my repeated disputes and the submission of an identity theft report ( attached ), Experian has continued to report fraudulent accounts, including but not limited to XXXX XXXX and XXXX XXXX, which I became aware of in XX/XX/year>. 

Violations of Federal Law Experian has violated the following provisions of the FCRA : 1. Failure to Conduct a Reasonable Investigation ( 1681i ( a ) ) : Under the FCRA, Experian is required to conduct a reasonable investigation into disputed information. However, Experian appears to rely solely on automated responses from furnishers without thoroughly investigating the legitimacy of my disputes or the documentation I have provided, including my identity theft report. Such a limited procedure does not constitute a reasonable investigation under the law. 
2. Failure to Delete Inaccurate or Fraudulent Information ( 1681i ( a ) ( 5 ) ) : Experian has a legal obligation to promptly delete inaccurate, incomplete, or unverifiable information. Despite providing proof of identity theft and disputing the fraudulent accounts, Experian has failed to remove the fraudulent information from my credit file. 
3. Failure to Properly Block Fraudulent Accounts ( 1681c-2 ) : As I have submitted an identity theft report, Experian is required to block the fraudulent accounts from my credit file within four business days of receipt. Failure to do so is a direct violation of the FCRA. 

Harm and Intent to Pursue Legal Action As a result of Experians failure to fulfill its obligations, I have suffered : Financial harm due to inaccuracies on my credit report. 
Emotional distress from having to repeatedly address fraudulent accounts. 
Loss of financial opportunities due to lowered credit scores. 

If Experian does not immediately delete the fraudulent accounts and correct my credit report, I will have no choice but to pursue legal action under the FCRA. Experians failure to investigate and correct these issues is willful noncompliance under 1681n, entitling me to statutory damages, actual damages, punitive damages, and attorneys fees.

Resolution Requested I demand that Experian immediately : 1. Conduct a reasonable investigation into the disputed accounts and cease relying solely on furnishers to verify information. 
2. Delete the fraudulent accounts, including XXXX XXXX and XXXX XXXX, from my credit file. 
3. Block all fraudulent accounts pursuant to 1681c-2 based on my identity theft report. 

If these steps are not taken within 15 days of this dispute, I will escalate this matter through legal channels to ensure compliance with federal law and appropriate remedies for damages.
Product: Credit reporting or other personal consumer reports

Stress is inevitable but when you have a company that is continuously reporting inaccurate, unverified information, it really is something you can not avoid. It deeply damages me mentally that I can no longer afford to take care of myself.
Product: Credit reporting

I started with disputing accounts with credit bureau because last payment dates were wrong, all account are over seven ( 7 ) years old. I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way that statement can be true is if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. It helped but some accounts were duplicates. Then the dates on reports that remained began changing again. In fact on XXXX ( XXXX ) accounts opening dates were changed and closing dates removed making it look like their open and in collection. This was after original creditors had removed them from credit report. The accounts were different at each credit bureau web site XXXX had account numbers XXXX did n't. and some were duplicate account numbers with different information. It 's hard to know which is real account. I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. There are so many XXXX XXXX accounts with different information I have to file all of them because I ca n't tell which is the original one, there was only XXXX XXXX XXXX card. I am working off of XXXX credit bureau with this complaint, it has account numbers maybe they will help, even if numbers have changed there better than nothing. All of the credit bureaus are the same in one respect, none have any payment history on any accounts that are in question. I have my past seven ( 7 ) years of bank statements and there were no payments made on those dates in fact no payments were made in those seven ( 7 ) years. I do n't know what is left to do. I 've disputed and contacted all XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX creditors and the XXXX in collections and I guess because of duplicates on most derogatory accounts a lot still remain.
Product: Debt collection

This payment was paid to the company. In good faith I would like for this account to be removed and to be stopped report to the credit report agency as a collection because it is hurting the fact of me trying to purchase a home
Product: Payday loan, title loan, or personal loan

I never applied for an {$8.00} loan
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX XXXX Ref # XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C 1681 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1692 C
Product: Mortgage

first of all not accepting tha tyou simply close my complaints when XXXX XXXX tries to answer them and protect them they denied my loan mod immproperly breached their own TPP and whether he likes it or not i will fight this all the way and then some i will be requesting thru XXXX XXXX the re opening of my complaints. not letting this sit politicians involved it is wrong you let XXXX XXXX who is TELLING FAY SERVICING NOT TO ANSWER ME BUT TO SEND HIM ALL REQUESTS THAT YOU ACCEPT HIS RESPONSES IN LIUE OF THE COMPANY SAME COMPANY THAT SAID I HAD A CEASE AND DESIST A WHILE ABCK TO AVOID ANSWERING ME YET NEVER PRODUCED PROOF OF SAME SAME COMPANY WHO WONT PROVIDE VALIDATION OF DEBT STMTS EXPLANATIONS OF PAYMENTS I DONT TALK TO XXXX BECAUSE ITS A WASTE OF TIME HE THINKS HIS CLIENT IS GOING TO PREVAIL AND STEAL MY MONEY JUST BECAUSE YOU HAVE DONE NOTHING AND THE CASE LAW IS STILL BEING DEVELOPED THAT AFTER YOU DENY LOAN MOD IMPROPERLY AS THEY DID FAIL TO PROVIDE DEBT VALIDATION EXPLANATION OF PAYMENTS WHEN REQUESTED STMTS THAT SHOW CLEARLY ITEMIZED CORPORATE ADVANCES SO I CAN OBJECT I AM GETTING POLITICAINS INVOVLED SINCE YOU KEEP CLOSING THE CASE WITH HIS BS THAT IN NO WAY RESOLVES ANOTHING AINT STANDING. I AM GOING FAR WITH THIS SINCE NOT ONLY AM I SUFFICIENTLY DAMAGED AND BEEN WRONGED BUT THERE IS A NEED FOR OTHER PEOPLE THIS FORECLOSURE FILING WAS UN NECESSARY AS THEY WERE FOIND TO DO IN MASS AND IN MANY OTHER PLACES I WANT DEBT VALIDATION STMTS AND NO ANSWERS PROVIDED BY HIM HE DOE SNOT HAVE THE RIGHT TO TELL THEM TO FIELD ALL MY REQUESTS TO HIM SINCE THEY ARE LIARS AND HE IS THEIR HIRED HAND AND I REMAIN WITH NO INFORMATION FROM EXPLANATION OF CORPORATE ADVANCES I WILL CHALLENGE TO DEBT VALIDATION TO ANYTHING ELSE EXPLANATION OF PAYMENTS HE CAN SAY ALL DAY LONG THEY WERE SENT I HAVE ASKED TO BE RESENT AND BETTER YET EPXLAINED IN A WAY UNDERSTANDBALE. TO ME I AM DISBALED AND TRUAM OF THIS FORECLOSURE FRAUD HAS MADE IT WORSE. SINCE I HAVE BEEN CAUGHT UP INA A SOCIAL ILL PROFITABLE TO A LAWYER LIKE XXXX BUT BAD FOR ME AND MANY OTHER HOMEWONERS C AOMCPLIANT TO T DOJ WENT OUT ada MATTERS AMERICAN DISABILITIES ACT I WANT THE INFORMATION DETIALS EXPLANATION AND VALIDATION OF DEBT SO I CAN CHALLENGE IT. ITS IN Y ADVERSARY COMPLAINT AND BECAUSE ALL YOU DO IS CLOSE THE COMPLAINT WITH HIS USELESS ANSWERS THAT PROVIDE ME NOTHING TO WHAT I AM ENTITLED THEREBY RESOLVING NOTHING I AM GOING FURTHER. POLITICIANS HAVE MY COMPLAINT ABOUT THIS AGENCY AND WHY THEY MUST INTERVENE. I WANT THIS INFO. I WILL GO THRU XXXX TO RE OPEN AND investigate MY COMPLAINTS. YOUR WAY OF DOING THINGS BENEFITS FAY SEVRICING WHO HAS NOW BEEN CENSURED FINED TWICE BY YOU BUT NOT THRORUGHLY INVESTIGATED.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in correcting inaccuracies regarding late open accounts and removing late closed accounts from my credit report. Despite thirty-seven previous attempts to resolve these issues directly with the credit bureaus and creditors, the inaccuracies persist, significantly impacting my creditworthiness. This letter marks my thirty-eighth attempt to resolve these issues, and I am in dire need of your intervention. Despite my repeated attempts to dispute these errors and provide extensive documentation, the inaccuracies remain uncorrected. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must ensure the accuracy and completeness of the information they report. I am now seeking for the intervention to ensure these inaccuracies are corrected immediately. The failure to rectify these errors has caused significant harm to my financial standing, and I am prepared to take legal action if necessary. Kindly help me correct or remove the following accounts immediately XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Product: Credit reporting or other personal consumer reports

Just go off the telephone after waiting for almost an hour i asked for information on the dispute that i had on hard inquiries, i stated that i wanted to get the information how they went about confirming the data and was refused to be given any information according to Texas i have a right to find out and ask for procedure to verify a dispute. 

gentleman did not wan to give me any information in regards to him and stated that i could write to those creditors myself to find out how they verified the verification took less than a day and it was almost XXXX hard inquiries i disputed. 

after all said and done they try to sell you some monitoring service that seems to be more of a hook for you to subscribe This is how long the investigation took less than XXXX half day Confirmation number : XXXX Submitted XX/XX/year> XXXX investigation Completed XX/XX/year> Dispute results remain online for approximately XXXX  years from the completion date. Download now for your records. 
Download dispute results
Product: Debt collection

An account was placed in collections by Lockhart, Morris, & Montgomery of XXXX, XXXX  on my XXXX credit report on XX/XX/2022 in the total amount of {$7000.00}. I never received any type of documentation or communication in regards to this matter. I have attempted to reach out to the company in regards to the legitimacy of this debt, but I have yet to receive a response.