23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank stole money from my account find unauthorize transaction. I would make a investment of XXXX or XXXX on or about XXXX of month, they would take XXXX 7 to 15 days later. I notice on XX/XX/XXXX statement on line. Could not print statement thur year of XXXX off and on. I have some statement when I could print. 
No Statement until XXXX of XXXX a scam of 2 check that total XXXX deposited and the bank cleared. I had no checks to this account.Only used XX/XX/XXXX.for receiving payment for services at beauty shop. I agreed to make payments until investagation was finish. Never investagation! I set up made auto payment from my checking account to keep my account. of XXXX for 2 years @ 19 %. I made ( 2 ) XXXX payment at counter on inside of bank. XXXX payment did not subtrack from account. Auto payment were not made for 10 months after deposite at counter. Bank reported to credit reporting agency. No payment for 10 payments, 6 payment left to payoff account they closed the account and added XXXX to balance. Because I question about there practices. And provided proof. 3 ) At one point my XXXX checks did not come for 6 months in XXXX notified the social security office of the missing funds and the bank information. First united bank would not accept the funds of reimbursement from social security direct deposit, So I had to open another bank account to receive my XXXX checks monthly @ XX/XX/XXXXXXXX. 
credit ruin XXXX ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a final goodwill attempt to have Equifax and XXXX to clear up this matter. They have sent back verified and entirely inaccurate, unverified and represent a serious matter in their credit reporting that they maintain under my social security number. 

Also, please be advised that this is my second time contacting them both about this matter in writing. These companies are in violation of 15 U.S.C 1681. They both have XXXX XXXX reporting as the verification 3rd party, they have no permission to furnish any information on my credit report in the first place. Also note that third party verification systems also known as Pacer.gov, The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy. 

Because FCRA Section 623 ( a ) ( 8 ) allows the consumer to follow up with the data furnisher if they believe that the previously disputed account is innacurate by requesting an investigation be done by the furnisher to prove the accuracy of what has been reported. The courthouse listed on the reports responded that it did not provide this information to either bureau, and XXXX promptly deleted it. 

FCRA Section 611 ( a ) ( 2 ) requires XXXX Equifax and XXXX XXXX ( which attached document shows XXXX XXXX attempted to dispute this with XXXX  and Equifax ) to  ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX Equifax and XXXX report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.
Product: Credit reporting or other personal consumer reports

CFPB Dispute Letter XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian 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 Subject : Dispute and Request for Investigation Documents - Credit Reporting Agencies ' Failure to Conduct Internal Investigation Dear CFPB and Credit Reporting Agencies, I, XXXX XXXX XXXX, submit this dispute regarding Experian, XXXX, and XXXX 's failure to conduct internal investigations and verify information accuracy. 
Dispute Basis : Failure to conduct independent investigations ( 15 USC 611 ( a ) ( 1 ) ). 
Bias and partiality towards XXXX. 
Lack of documentation and evidence. 
Request for Documents and Information : Pursuant to 15 USC 611 ( a ) ( 1 ) and 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request : Name and contact information of the real living person from each agency who personally investigated this item. 
Documentation obtained and used during the investigation. 
Names of individuals personally spoken to regarding this matter. 
Methodology used to arrive at the determination. 
Proof of internal investigation procedures. 
Copy of the original agreement signed by both parties. 
Investigator Information : I require details about the investigator, including : Full name.

Title. 
Contact information. 
Dates of investigation. 
Investigation Details : Please provide : List of documents reviewed. 
Interviews conducted. 
Evidence considered. 
Timeline : I expect to receive the requested information within 5 days of this request. 
Investigation Requirements : No investigation can be complete or verified without : My inclusion and input. 
A copy of the original agreement signed by both parties. 
Previous Requests : I have previously requested the original signed agreement from XXXX, but have not received it. 
Remedial Action Requested : Conduct thorough, independent investigations. 
Delete inaccurate, incomplete information from my credit reports. 
Provide documentation supporting internal investigation findings. 
Supporting Law : 15 USC 611 ( a ) ( 1 ) - Investigation requirements.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) - Verification of debt.

FCRA Section 611 ( a ) ( 2 ) - Verification of debt. 
Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX and experian several times to have errors corrected on my credit profile. My sister and I have similar names and the same date of birth. As A result some of her accounts are being added to my profile and vice versa. I have disputed several collection accounts that does not belong to me and all come back " Not deleted '' when these accounts simply aren't mine! I have multiple inquiries on both XXXX  and XXXX  that aren't mine. Reports also that reflect I have outstanding balances for A XXXX XXXX charge off account, XXXX XXXX, and XXXX XXXX   which are all my sibling accounts and not mine. I requested A free credit report to go over these details after I filed the dispute and was denied A free copy and informed I would need to pay. I had fraud alerts placed on my reports also due to my mother using my information and I informed all credit reporting agencies of such fraud. My scores are all negatively being reflected as poor when these charge off accounts, Collection accounts and inquiries do not belong to me! There are some inqthat are mine and some accounts that are mine. But none of which are in collections or charged off.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, this account was opened fraudulently XXXX, XXXX and Ive sent in a police report, ftc report and now a cfpb complaint. 

They wont show any proof, but continue to report to the credit bureau XXXX, this has severely damaged my credit and the ability to apply for credit. 

They are purposely updating this account and forcing it to be my account. 

Account XXXX - XXXX {$4600.00} XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX This is against the law!!!
Product: Mortgage

XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX) sent me NonRenewal Notice of Termination effective XXXX XX/XX/XXXX Truist Bank XXXX Mortgage Lender sends letter to me stating XX/XX/XXXXXX/XX/XXXXnotified them my property insurance was cancelled ONE YEAR PRIOR : XX/XX/XXXX and will FORCE PLACE hazard property insurance {$4000.00} because they did not read XXXX XXXXXX/XX/XXXX NonRenewal Letter accurately . 

XX/XX/XXXX. XXXX Truist sends second notice XXXX XXXX " XXXX cancelled XX/XX/XXXX '' and they will FORCE PLACE. 

XX/XX/XXXX I email XXXX and attach Truist letter XX/XX/XXXX with WRONG insurance expiration date AND I attach the XXXX XXXX NonRenewal Notice cancelling insurance XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX, agent, XXXX XXXX called spoke directly to Truist, faxed them the XXXX XXXX Policy DECLARATION Page showing Effective Dates XX/XX/XXXX to XX/XX/XXXX. Specifically told them they are reading the dates WRONG. There NEVER was a lapse in coverage. 

XX/XX/XXXX Truist FORCE PLACES Hazard Property Insurance and charges {$4000.00} to be added to my Insurance Escrow XX/XX/XXXX I purchase XXXX XXXX XXXX XXXX. Truist pays XXXX XXXX {$2100.00} annual premium to be added to my Insurance Escrow
Product: Debt collection

On XX/XX/XXXX, I purchased my first home at XXXX XXXX XXXX, XXXX, NJ using a mortgage loan wherein the latter designated XXXX XXXX as the lender with a principal balance of approximately $ XXXX upon me putting down approximately $ XXXX. In or around XXXX XXXX, I discovered that : ( 1 ) the foregoing transaction was discharged by Wells Fargo Home Mortgage ( " WFHM '' ) in XXXX XXXX without my knowledge or consent upon someone creating a refinance through XXXX XXXX   XXXX  ( XXXX XXXX ) XXXX XXXX  XXXX dated XX/XX/XXXX without my knowledge and or consent ; ( 2 ) WFHM continued taking monthly payments for me for XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) XXXX XXXX XXXX  XXXX XXXX ( " XXXX '' ) continued taking payments from me from XX/XX/XXXX through XX/XX/XXXX towards what I believed was my original purchase, not knowing said payments were going towards the forged refinance. 

Furthermore, I have not received proper credit for all of the payments that I made for the months XX/XX/XXXX through XX/XX/XXXX. 

Today XXXX by and through XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX  '' ) are foreclosing on my home in the XXXX XXXX of New Jersey under Docket XXXX. : XXXX since the year XXXX to present date, using a forged refinance mortgage loan recorded in the year XXXX ( See Exhibit A ) for which an expert handwriting expert confirmed by way of report dated XX/XX/XXXX that someone other than me authored and forged my name on mortgage loan documents as displayed within Exhibit " B '' annexed hereto. 

Furthermore, XXXX by and through XXXX commenced foreclosure in XXXX XXXX annexed hereto as Exhibit " C '', and the assignment instrument asserting a transfer of the forged mortgage loan is dated in XX/XX/XXXX and displays an email communication between XXXX and XXXX conspiring to create the document ( See Exhibit D ).
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/2021 two checks totaling {$100000.00} were cashed using my account information. On XX/XX/XXXX I noticed the XXXXwo cashed checks on my account and immediately called Wells Fargo to inform them that they were fraudulent. My home address and phone number was also changed on my online account. I informed Wells Fargo that I have never had checks with them and that the checks didn't have my address on them. On XX/XX/XXXX I receive a letter saying they found the transactions were authorized without any explanation. When I called they were unable to provide me with any details on how they made their decision. I have never ordered or possessed checks for my Wells Fargo checking account and did not authorize either of these checks to be cashed on my account. 

My address is XXXX XXXX XXXX XXXX NC XXXX The address on the checks is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UNLAWFUL PUT AN DELETED ITEM BACK ON THAT WAS PREVIOUSLY REMOVED LAW DOES NOT DICTATE THEM TO DO THE FTC VIOLATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, a living human being.

I have rights under law 15 USC 1681, And they have violated my rights several times.

I demand the accounts listed below be removed because According to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

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

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

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

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : 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 or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data XXXX, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXXXXXX 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # 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 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
Product: Credit card or prepaid card

On my XX/XX/XXXX statement from Citi, I was charged {$40.00} in interest, without any explanation. 
When I called Citi 's customer service, the agent agreed that the interest charge was an error. 
But I was told that I must pay my full balance ( including the {$40.00} incorrect interest charge ) in order to have the {$40.00} refunded to me. 
That's ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have documentation from the creditor regarding the account with Carmax Auto Finance that the balance reported, payment history and date of last activity is inaccurate. The bureau continues to use an electronic system to verify the account without performing a lawful investigation as outlined in the FCRA. The account is updated each month after they have claimed to verify it the month before. I am demanding removal of this account due to its inaccuracy and this companies failure to investigate which is against my rights. The creditor is also attempting to collect more than the balance owed and reported. This reporting is littered with errors that are unacceptable and preventing me from acquiring credit. 

The account is verified as accurate. Continuous updates to the account after they verified several times before that it was 100 % accurate. It can not be accurate when it is different reporting on each bureau and doesn't match my documentation from the creditor. The account type is also incorrect. The most recent update shows that the written off balance is over {$57000.00} when the original price of the vehicle was less than {$30000.00}.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history this inaccurate information falsely manipulates the stature of limitations you failed to 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 ( XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

I received a call from Wells Fargo suspecting fraud and I confirmed but Wells Fargo transferred the funds to an unknown company and refused to talk to my bank XXXX or to me.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report, even after your investigation. I would like these accounts immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business of each Individual with whom you verified the above, so that I may follow up. please send me an updated copy of my credit report after your reinvestigation.
Product: Student loan

I attended XXXX XXXX from XXXX to XXXX and I was successful in discharging my federal student loans through the Borrower Defense to Repayment program. The Obama administration had previously enacted regulations in XXXX governing that program, which was established to provide student debt relief to students who were misled, defrauded, or otherwise harmed by predatory colleges and universities often, for-profit schools like XXXX. But the program only covers federal student loans. Private student loans are not eligible for Borrower Defense relief, and Navient refused to discharge my private loans. I believe I am entitled to cancellation of my private student loans under the Holder Rule theory. This rule requires that loans disbursed by commercial entity through a lenders or creditors relationship with that entity include a provision in the loan promissory note that allows a borrower to raise the same claims and defenses against the lender that they could raise against the commercial entity. In other words, if the borrower could raise claims of fraud against XXXX, the borrower should be able to raise those same claims of fraud against Navient and Sallie Mae.
Product: Debt collection

I Received a Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Stating that they are collection a debt The accounts XXXX XXXX XXXX for the Original Creditor First USA Bank. Index Number XXXX. I advised the company that i do n't know anything about this Debt. This is a fraudulent account, I never opened this account or made any charges with this card or company. I do not know anything about this debt.
Product: Debt collection

I received a letter from Allen & Withrow on behalf of ( XXXXXXXX XXXX  ) Credit Card that was mail out on XX/XX/year>. The letter was a Writ of Garnishment for XXXX. I faxed them a response as I was directed by the debt consolidation agency ( XXXX ) instructed me on XX/XX/year>. On XXXX XXXX, I went to pay my bills and XXXX XXXX said my monies were frozen for investigation of a garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

A vehicle loan with All Bank was paid off TWO and HALF months ago and it's still on all 3 Credit bureaus! I've called Ally and emailed them. I found out because I was denied credit on another loan because of incorrect debt. The Credit Bureaus/Banks NEED TO BE REINED IN on correct AND TIMELY credit data! 

XXXX took NO RESPONSIBILITY although they have a " dispute '' resolution system. They state, at best, THIRTY DAYS to correct errors!?? DO I GET 30 days?? 

NEW LAW ( S ) /REGULATIONS NEEDED : 1.Credit Bureaus ARE NOT to tell citizen WE have to make Lender correct errors THEY REPORT! They report as 'gospel ' what Lenders send them! ONCE citizens report PROBLEM, The Big Three >>>MUST<<< CORRECT It! 

2. BUREAUS/BANKS FINED and portion goes to CITIZENS for such as above! WHY should WE have to do all this battle when we're WRONGED?? NO ONE should have to HIRE a LAWYER to fight issues as above. BIG FINES ( Equal to initial loan amount misreported goes to Citizen!!!! ) would negate court delays and GET ATTENTION of bureaus and banks that make Billion $ AT CITIZENS ' EXPENSE! 

3.DO IT ASAP! Every day I am SURE similar is happening to everyday people who have to fight this on top of trying to live their own lives.