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

I am addressing a matter of significant concern regarding willful non compliance and the resultant civil liability stemming from actions on behalf of Experian XXXX XXXX. CIVIL LIABILITY FOR WILLFUL NON COMPLIANCE 15 U.S.C. 1681 ( n ).

I have submitted THREE written request with Forms 3800 and 3811 attached.Filed Complaints with the CFPB, FTC, & BBB and still no resolution. Please see attachments, copies of documentation and evidence supporting my claims. 

As of XX/XX/XXXX, I pulled my Experian Report and these accounts which I demanded to be deleted, as well as copies of the documents Experian used to verify these accounts per my request are still XXXX OF XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX -Unverified Account XXXX XXXX XXXX -Original creditor : XXXX XXXX BANK XXXX XXXX. - XXXX - Unverified Account The company said they have reinvestigated these accounts, but all they have done is parroted information given to them by other sources. I asked Experian if I gave them written instructions? They ignored my request. I asked that Experian provide me with the name of the person who verified the accuracy of these accounts, they ignored my request. I have the right to demand all documents that Experian has recorded and retired in their files pertaining to me. 

The company has reached the 30 day mark, therefore they must delete these accounts from my credit report. A written letter was sent XX/XX/XXXX for XXXX XXXX XXXX, and Inaccurate accounts XXXX XXXX # XXXX. XX/XX/XXXX a written letter was sent for Unauthorized Credit Inquires on my consumer report XXXX CM # XXXX. A second written request was on XX/XX/XXXX XXXX CM # XXXX. A third written request was on XX/XX/XXXX Refusal to conduct proper investigation XXXX XXXX. XXXX ( XXXX ) XXXX CM # XXXX.
Product: Mortgage

On XX/XX/2019 my loan approval showing the address of the home was shared with a previous agent through email, she was blind carbon copied -- -we specifically asked that she not be sent any information. 

Later that evening the agent called our loan officer after hours and discussed our purchase.
Product: Credit reporting or other personal consumer reports

Heres a comprehensive dispute letter for the account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies, violating multiple sections of federal law. 

Account Details : Creditor Name : [ Government Entity Name ] Account Type : Government Miscellaneous Debt ( Installment ) Account Number : XXXX Balance Reported : {$8000.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to verify the debt upon request. No verification of this account has been provided, yet it continues to be reported derogatorily.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : After disputing this account, its derogatory status remains reported. Reporting or updating the account without resolving the dispute violates federal law.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain maximum accuracy in their reporting.

This account is reported as both a Collection and a Charge-Off, which is inconsistent and misleading.

Comments indicate a profit and loss write-off, yet the balance remains reported as due, which contradicts IRS and FCRA standards .

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Under IRS regulations, a Form 1099-C must be issued when {$600.00} or more of debt is canceled or forgiven.

No Form 1099-C has been provided for this accou
nt, raising concerns about compliance with IRS reporting requirements.

5. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX for failing to properly investigate disputes and validate debts. 
This raises significant concerns about XXXX ability to accurately report and investigate this account, further undermining the validity of this entry. 


Additionally, I expect a response to this dispute within 30 days, as outlined in 15 U.S. Code 1681i ( a ) ( 1 ). 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party I'M REQUESTING FOR THE ORIGINAL COPY OF THE AGREEMENT & TERMS & CONDITION. FAILURE TO COMPLY WILL FORFEIT YOUR CLAIMS AND WILL REQUIRE YOU TO DELETE ALL THE LIST OF ITEMS ABOVE.
Product: Checking or savings account

I opened a new checking account with Citi Bank and did a mobile check deposit. Well seeing how I just opened the account I don't have a card yet but it says I have XXXX so I tried to XXXX my money to my bf so I could use my money to pay a bill and it wouldn't let me XXXX..so I tried to talk to to someone on the app about my account and they didn't have any info for me. So I then called and talked to someone who wasn't able to help me either..they blocked my account and aren't helping me unlock it. So I have XXXX  in the account that I'm unable to touch and can't get any help to get access to money. They don't have any branches in Texas so I can't go in and talk to them. Please help me out here. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX account was opened fraudulently without my knowledge XXXX I have no knowledge about this account because my identity was stolen XXXX XXXX XXXX XXXX {$13000.00} account was opened without my knowledge and I have an FTC report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Personal information Address XXXX XXXX XXXX XXXX XXXX, KS was never at this address and need to be removed from my credit report XXXXXXXX XXXX XXXX XXXX wrong address on my profile needs to be deleted XXXX XXXX XXXX XXXX XXXX wrong address on my profile XXXX XXXX XXXX XXXX XXXX need to be removed from my credit report because I had no idea on these
Product: Credit card or prepaid card

capital one stated that they could not find any credit status or history from any credit bureau and that is why they denied my application. i have an extensive credit history with all XXXX major bureaus
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX mi XXXX In accondance with the Fair Credt Reporting act. The list of addresses below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681.

Accounts name : Delete these ADDRESSES Immediately from My report ADDRESSES REPORTED has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX XXXX, after any reinvestigation under paragraph ( XXXX ) 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- ( ) 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 ( li ) 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. 








Delete these ADDRESSES Immediately from My report ADDRESSES REPORTED * 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, from my credit report, because of multiple violations of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves the massive XXXX Security breach. I froze my XXXX report and had no charge for doing so. However, Experian and XXXX demand fees before freezing my credit report. 
Since this breach was caused by XXXX, I do n't believe that I should have to pay for the Experian and XXXX freezes.
Product: Payday loan, title loan, or personal loan

There was fraud on my account when good leap and XXXX XXXX fraudulently put solar panels on my home. XXXX has taken the panels off but good leap will not call me, my relator, nor the title Company back. They would never even give me the loan amount and now is holding up the sale of the home. The home was to be sold on Friday and they wont release the lean or give me any information on my account.
Product: Mortgage

Back in XX/XX/XXXX my Mom XXXX XXXX and I ( XXXX XXXX ) decided to refinance our mortgage to obtain funds to give my eldest daughter a sweet XXXX. We reached out to mortgage broker XXXX XXXX who sent a representative to our home and refinanced with XXXX XXXX XXXX. Together, my mom and I signed all documents in the presence of the Broker, and in XX/XX/XXXX the loan began being serviced by Wells Fargo 's subsidiary America 's Servicing Company. The new loan was not fixed as we were informed by the broker it would be and we could no longer afford the payments. From that moment on we began requesting a modification from America 's Servicing Company. They began to tell me that I 'm not on the loan, but on the mortgage and my mother is the noteholder and stopped communicating with me. I have lived in the unit since owned in XXXX of XXXX. At the time of purchase my mom resided in a city owned apartment, but moved in with me as we were informed my unit had to be her primary address. My mom continues to pay the rent as to ensure shelter for our family if foreclosure is the end result. In XX/XX/XXXX we reached out to a third party to assist us and XXXX XXXX America 's Serivicing Company offered us a trial modification plan and I set up electronic payments for XXXX, XXXX and XXXX of XXXX. After all XXXX payments were received ASC requested a copy of the deed and it was provided. Then ASC began the process all over again. Since then, we have been submitting hardship letters and other requested documentation only to continue to receive the run-around. On XXXX XXXX, XXXX my mom and I were requested to appear in court for a mandatory foreclosure conference. The referee overseeing the conference enforced the Bank 's attorneys to work it out with us, I was informed that we would have to submit a new modification application and are scheduled to return to court on XXXX XXXX, XXXX where a decision will be made. We submitted everything as requested, modification application and supporting documents only to receive feedback that ASC is not reviewing our case at this time as nothing has changed. Trying to keep a home for my children and grandchildren has been a long and drawn process. We have spent close to {$15000.00} in attorney fees over a five year period with attorneys telling us they are experts in modifications and the end result remains constant run-around. My mom and I will continue to to find the means to advocate in hopes to keeping our home. I have filed a complaint with the New York State Department of Financial Services who directed me to the Consumer Financial Protection Bureau. I hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that if I paid my debt that they would removed the debt from my credit report, and that I would no longer report on my credit report. XXXX XXXX signed an agreement ( See attached ) stating they would, then failed to remove the debt from my credit report. When I called FCO they we're unable to talk to me about he debt and told me that I would need to reach out to renter warehouse and that FCO does not remove debts from consumers credit reports under any circumstance.
Product: Payday loan, title loan, or personal loan

Received a title loan from one main financial. Was told the interest rate but now it seem to be much higher than orginal quote. Also, I have made 14 payments in the amount of {$150.00} bi- weekly this was suggested to pay off the balance quicker and I added an extra XXXX to the payment. If the interest rate is 38.98 % of a XXXX loan and only a {$1000.00} dollars of {$2100.00} dollar payment it seems to me that the interest rate is higher than expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX, XXXX, TX. XXXX XXXX : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response via e-mail via an alert I received online to a dispute ( XXXX XXXX XXXX, ACCT. # XXXX ), which was deleted/blocked by this creditor XXXX, XXXX, that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

There are incorrect entries on my report that are unfairly damaging my scores and making my financial situation harder than it should be. Its frustrating to be held back by errors that shouldnt exist.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX, GA ; XXXX located in XXXXXXXX XXXX  and TRANSUNION located in XXXX, XXXX XXXX has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, XXXX AND TRANSUNION have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, XXXX AND TRANSUNION have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX Dear Collector : I had sent you a request to validate my debt, account number : XXXX on XX/XX/2023. 

According to the Fair Debt Collections Practices Act ( FDCPA ), I have the right to claim a validation of the debt and you are obliged to provide me the relevant documentation. I have received no reply from you, whereas the other credit bureaus have sent their " verified '' document. 

You are now in violation of the FDCPA and subject to a fine of {$1000.00} ( refer to the act for updated value ), which I may collect by filing a claim. I intend to continue with the suit if I don't hear back from you within the coming <10-15> days. 

This might result in a bad mark on your reputation and possibly legal trouble with the FTC and other state and federal agencies.

PLEASE TAKE NOTE OF THIS Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 
. 
Sincerely, XXXX XXXX
Product: Mortgage

I've tried multiple times to resolve my complaint with PennyMac Loan Services but they continually fail to do so. Their " Priority '' Complaint Specialist, XXXX, will say anything to get a problem to go away and refuses to acknowledge all of PennyMac 's negligence. When applying for a highly time critical purchase loan for an investment property, the company failed several times to properly and timely communicate, additionally to accurately address my file. The company filed to accurately review my file, did not respond five ( 5 ) times during an open application during this critical time period - it was not until the sixth ( 6th ) attempt that someone did return my call. Most recently another team member, XXXX ( XXXX ) XXXX, was to also to contact me to further discuss this matter. Naturally he never called. Very typical for PennyMac. I don't see how this this company has a license to lend or really do anything. There are laps and failures at all levels. 

Never properly reviewed my financials, never contacted me with any questions, and later I found out that they double counted a mortgage payment and my auto payment. - Note that XXXX called this ( multiple times ) a " Complex '' review. 
Six ( 6 ) attempts to reach someone during my application. The first five ( 5 ) were never returned. XXXX refuses to acknowledge this ; probably to the gross negligence that it was on their part. 
No other company who reviewed my financials had any problem and even said I could qualify for much more. 
Only declined after I have filed complaints. Retaliation by PennyMac.

Unfortunately they caused me critical time that significantly impacted me financially in addition to a great deal of stress. 
Most recently another team member was supposed to contact me. NEVER called. Not that I expect anything different from him, just continues to show the character and lack of leadership at PennyMac.
Product: Checking or savings account

Someone did fraud on my account and I called chase bank to help me out and they said they couldnt help me or do anything I told them I want to open a investigation and they said they cant help me out because they said that I XXXX someone but I told them it wasnt me and they said so you mean some one got into your online account and I told them yes I didnt do anything and they said they cant help me and closed my account
Product: Credit reporting

I had sent a certified letter, dated XXXX/XXXX/16, to Transunion requesting information about a lien that was showing under public filings. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again, state or federal recorders do not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX has found information on previously stated Tax Lien 's through third party research. 

I had asked that Transunion please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

I also had received a letter from a government agency, based on my inquiry, stating that they do not report this information directly to the credit bureaus.
Product: Vehicle loan or lease

I requested that the auto loan company ( credit acceptance ) if they could remove some of the late payments that is on the account the car is paid off, but the car loan that is closed is effecting me in the biggest way