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

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ) for violating federal law by reporting an unverified debt and failing to comply with consumer protection regulations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX Failed to Provide Legal Proof of Debt ( Violation of 15 U.S.C. 1692g ) XXXX was required to provide a signed contract proving I owe this debt. 
The documents they provided DO NOT meet the legal validation standard. 
A billing statement or generic creditor notice is NOT legal proof of debt ownership. 

XXXX. XXXX Reported an Unverified Debt to Credit Bureaus ( FCRA Violation - 15 U.S.C. 1681s-2 ( b ) ) Under the FCRA, XXXX can not report inaccurate or unverified information. 
Since I disputed this debt, XXXX must provide full documentation, or the credit bureaus must remove it. 
XXXX has failed to prove that they legally own this debt. 

XXXX. XXXX Ignored the Statute of Limitations XXXX did NOT confirm whether this debt is within the legal collection period in Hawaii. 
If the debt is time-barred, they must cease all collection attempts immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a XXXX party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous XXXX, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. You have XXXX XXXX to correct the account listed below : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX stating that they are collecting a debt on behalf of XXXX XXXX  who has the original debtor, XXXX XXXX with a balance of {$790.00} that is supposedly owed by myself. I have not had XXXX XXXX   since XX/XX/2009and the account I have now with XXXX XXXX is open and paid monthly. This company must be a scam. I do not have a debt from XX/XX/2009. This is past the statute of limitation as well. This company is harassing.
Product: Credit reporting or other personal consumer reports

There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco credit reporting agency is reporting a statement that I did not make. The statement need to be removed from all my credit reports. 

Names : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Work : XXXX Position : XXXX XX/XX/1997 to Present Anything Else is Incorrect
Product: Credit reporting or other personal consumer reports

This loan was paid in full after total loss in a car accident and XXXX XXXX. The initial down payment of {$5000.00} made at the time of purchase has also not been applied to the loan balance. This information was previously reported to you in XX/XX/year> and you placed blame on the car dealership but did not fix it. I do not owe a balance and this needs to be removed from my credit
Product: Mortgage

My problems started when I got sick bank of america started to deny any help  2007 I   feel they discriminate again me because they alway have excuse for not helping me with with my morgage I have to pay a lawyer to get bank of america out of taking my house away they discriminate against me become I have  XXXX  and the true they they responsible for my   XXXX   and   XXXX   I did n't have this issues before I only had fiscal problems at the beginning my heath problems I was hoping to have  XXXX  and go back to work but they play with mi mind so much that I have gotten feel so badly that I have been in the hospital for trying to end my life I do n't understand why they can do anything they want and get away with it .I hold them responsible for any thing I can do to my self become of this fraud they are committed against me
Product: Credit reporting, credit repair services, or other personal consumer reports

Account opened with TexCap Financial , LLC on XXXX XXXX XXXX, and credit loan never applied to my report. Called them in XX/XX/XXXX, they assured me at the end of XX/XX/XXXX it would be sent to major credit bureaus. We are now at the end of XX/XX/XXXX and still nothing reported. Called XX/XX/XXXX and they said it was reported at the end of XXXX, which it is not. Please help resolve this issue. 

Thanks
Product: Credit card

American Express Hilton Surpass card did not post my reward points to my Hilton account. I expected to have more than XXXX points to post to my Hilton rewards to make a reservation on a Hilton property. The same issue happened to me in XXXX of XXXX  and they were very slow to respond. It took over XXXX month to reach a supervisor to correct the issue. I do not have this time and they are unable to award me the points I earned to make the needed reservation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter off on XXXX XXXX here are my tracking numbers [ XXXX ] [ XXXX ] [ XXXX ] .To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Credit card or prepaid card

I activated an offer on XXXX  on my credit card for a 10 % cash back ( max. {$45.00} ) at XXXX on XX/XX/2022 and made a purchase using said card directly with the merchant same day. 

Note that the cash back promotion deal only states : " Offer expires XX/XX/2022. Payment must be made directly with the merchant. Offer not valid on third-party services. Payment must be made on or before offer expiration date. '' I inquired with a Bank of America representative about this issue on the evening of XX/XX/XXXX who was unable to resolve my concerns about the deal and told me to call back the following day. I called again on XX/XX/XXXX and the Bank of American representative informed me that I was ineligible for the cash back promotion due to the posted date being a day late despite the transaction date being on XX/XX/2022. 

Please note that the promotion does not specify the date in which the payment needs to be posted by. Only that a payment needs to be made on or before expiration date which should include any pending/processing transactions.
Product: Vehicle loan or lease

I'm applied for a XXXX dollar loan for a used car. The agent at One Main Financial XXXX XXXX offered different product starting as low as {$10.00} a month. I said sure. She didn't explain nothing else as she said the computers were down. Although her colleague, XXXX was on hers, Ok didn't think nothing about it. Then XXXX said the only way to proceed with the loan was over the phone, but not to tell anyone or have anyone around me for this time. I thought about it, but said ok, still not mentioning the XXXX if dollars that would be added. She called a told me to sign to get my loan started and to sign over the phone all these documents and to hurry because the computers might fail .... Got my loan package in and discovered my XXXX dollar loan was now almost XXXX dollars. I have emailed and called corporate but no response or them using different number to call back.Ive asked them to remove these products, but I'm still paying for things I'm not using.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD ONE LATE PAYMENT ON AN ACOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPOT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUN ACCURANCY. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT XXXX XXXX XXXX XXXXXXXX, PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENT WERE LATE. IF PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS.

THANK YOU Update the account to Paid on time and never late. Or remove it from my consumer report.
Product: Money transfer, virtual currency, or money service

Took a loan out with XXXX XXXX for XXXX that 's what they gave me. Never thought it would cost me XXXX, XXXX I would pay double not triple. Is this legal, I want to pay my money and interest, just seems crazy. I was desperate and could n't pay my electric. What can I do, is this legal?
Product: Payday loan, title loan, or personal loan

I was approved on XX/XX/2023 for a {$15000.00} probate advance loan. Papers were emailed to me. I had to hire a notary for {$35.00} to sign for me. Sent them back into the company. Received a call the next day and was told they could not proceed. I asked for a deniial letter and the reason. All I received was a denial letter that they could not give me the loan. I'm in the midst of trying to find housing because of the estate and now and have no money and was counting on this advance to find new housing.
Product: Checking or savings account

XXXX XX/XX/2022 TO WHO IT MAY CONCERN Wells Fargo Case number : XXXX Account number ending in : XXXX Dear Sir/Madam, I am writing to submit a complaint against Wells Fargo with regards to an issue I am facing with my XXXX tax form and more importantly, the fact that Wells Fargo has NOT be able to maintain or manage accurate contact details for my account despite being a customer with them for 26 years, sinceXXXX. The full details of several challenges related to this issue I have and continue to face are provided below or in the attachment. I am also copying correspondence sent to the Board of Directors, Case Specialist and others at Wells Fargo. 
How can Wells Fargo be allowed to operate as a bank and fulfill its fiduciary responsibility when it can not maintain and manage accurate contact inform for its international customers? More concerning is how can Wells Fargo be allowed to hold the money of it's clients through CDs and more when the customer contact information is wrong and inaccurate over several years? Who is responsible to ensure that Wells Fargo meets its obligation to maintain ACCURATE customer contact details, managed under strict data protection/care guidelines in accordance and as required by law and regulations? 
Despite all attempts and assurances by the bank, even to date my contact address and phone number are NOT reflected accurately on my online account. The country where I am living is still not recorded or displayed. 
There is much more to this story. Please read the below and/or attachment for full details of multiple issues regarding my customer contact details. 
I am demanding that Wells Fargo address my complaint and resolve it immediately, as this has been going on for months now and I am losing money every day and this is a big financial loss for me. 
A very frustrated and disappointed long-standing customer, XXXX XXXX XXXX XXXX XXXX XXXX Cell : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX  XXXX XXXX XXXX. I'm not responsible for this debt.
Product: Mortgage

The following are the closing XXXX and contracts for me. I entered a contract with XXXX XXXX XXXX XXXX XXXX and XXXX. on XX/XX/2022. For the home to be built at the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX Initial deposit {$12000.00} Cash due at closing {$78000.00} Loan amount {$280000.00} Total {$370000.00} I was charged XXXX pts for construction perm loan- 2 orig. fees, the {$2800.00} was paid to XXXX XXXX as the referring loan officer due to no other lender accepting loans from XXXX XXXX clients. 

{$22000.00} was alleged to be given to XXXX and assoc. XXXX and assoc. I found out was renting XXXX homes his contractors license. He never received these funds and the title company ( XXXX XXXX XXXX XXXX XXXX ) will not disclose where the funds went. 

XXXX XXXX above received XXXX XXXX draw at closing plus {$15000.00} {$12000.00} emo and added closing cost credit of {$22000.00} to the construction costs. 

The borrower paid the lender XXXX points that were added to the loan amount and " paid by builder ''. It is more than likely that XXXX XXXX received the additional {$2800.00}. as a referral fee. It is falsely stated below that the borrower is paying 0 % closing costs from her loan. 

Total costs XXXX XXXX XXXX XXXX XXXX draw minus closing costs $ XXXX not listed in draw schedule XXXX builder hold back XXXX missing Funds never recd by XXXX {$50000.00} XXXX
Product: Debt collection

Contacting me about other people I know accounts. Threatening to call the police and pull up at my residence. Employee used her job title to have XXXX XXXX with someone I know who has an account as well
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX reported a collection in my credit file on behalf or XXXX XXXX. 

XX/XX/XXXX The account was removed from my accredit reports for inaccurately reporting a paid account. 

On XX/XX/XXXX, I discovered XXXX XXXX re inserted the same INACCURATE collection account on behalf of XXXX XXXX in my credit file. To my understanding the credit bureaus are required to notify me within ( XXXX ) days of re-inserting a previously deleted item. I did not receive such notification. 

XX/XX/XXXX The account was removed once again from my credit reports for inaccurate reporting. 

XX/XX/XXXX XXXX XXXX XXXX re inserted the SAME INACCURATE collection account on behalf of XXXX XXXX for the XXXX time. Once again, I did NOT receive a notification of reinsertion. 

XX/XX/XXXX, I disputed this account with XXXX XXXX XXXX, they did NOT provide sufficient proof of validation. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA the credit buraus are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

The FOLLOWING derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, the infractions are as follows : INACCURATELY REPORTING BALANCE INACCURATLEY RRPORTING DATE OPENED INACCURATLEY REPORTING ACCOUNT NUMBER INACCURATEY REPORTING THE ACCOUT STATUS AS OPEN INACCURATLEY RE INSERTING A PERVIOUS DELETED INACCURATE COLLECTION ACCOUNT NOT SENDING A NOTICE OF RE INSERTION
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am a victim of identity theft, XXXX XXXX opened up a fraudulent auto loan in my name with XXXX XXXX. I have filed a FTC report, Report number : XXXX. I have contacted XXXX XXXX, Transunion, XXXX and XXXX to have this fraudulent account removed, and they have yet to remove this account. In addition I have filed a CFPB complaint against XXXX that has not been acknowledged and it has been well over 30 days, Complaint id number : XXXX. A copy of my drivers license and social security card as proof of my identity, proof of my current address, plus FTC Report. I am writing to request that Transunion, XXXX and XXXX place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
In addition, this is hurting my reputation and disabling me from applying for a car, a house, and anything that has to do with using my credit FICO and credit score.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding reports the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Subject : Formal Dispute Regarding Collection Account I am writing to formally dispute the collection account listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX XXXX XXXX, specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. 

Collection Agency Name : RESURGENT/LVNV FUNDING Account Number : XXXX Original Creditor : XXXX XXXX Date of Collection Account : XX/XX/2024 According to 15 U.S.C. 6802, financial institutions, including collection agencies, are prohibited from sharing or disclosing nonpublic personal information with any third party without explicit consent from the consumer. This law applies to the collection account reported on my credit file, as it involves my personal financial information. 

I did not provide explicit consent for RESURGENT/LVNV FUNDING or any affiliated entity to share or report this collection account to the credit bureaus. As such, the reporting of this account is in violation of 15 U.S.C. 6802 and must be removed from my credit report immediately.

Additionally, under Section 611 of the FCRA, I am entitled to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. I request that you conduct a thorough investigation into this matter and remove the collection account ( s ) from my credit report, as it was reported without my consent and in violation of federal law.

Please provide me with the results of your investigation, including the name and address of the furnisher who provided the information. If the collection account ( s ) can not be verified or substantiated in accordance with 15 U.S.C. 6802, I expect that they will be removed from my credit file. 

I expect this matter to be resolved within the 30-day period as required by law.

Thank you for your prompt attention to this serious issue.
Product: Debt collection

I am writing to formally dispute with your company Midland Collections. I am requesting that you provide documented proof of a written contract between myself and Midland Collections, as well as evidence that Midland Collections holds a New Jersey State Collections Bond. 

It has come to my attention that inaccuracies may exist in the reporting of this account. To facilitate a fair and accurate investigation, I kindly request that you furnish the following information : Documentation proving the existence of a written contract between me and Midland Collections regarding the debt in question. Verification of Midland Collections ' compliance with the New Jersey State C
ollections Bond requirement I believe it is my right, under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), to receive verification of the debt and supporting documentation. This information is crucial for me to assess the validity of the reported collection account.

Please provide the requested documentation within a timely manner 15 days of receiving this letter. Failure to do so may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to rectify any inaccuracies in the reporting of this account.