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

To Whom It XXXX Concern, This XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX are payment ( XXXX XXXX XXXX XXXX several ay, violations of the XXXX XXXX XXXX XXXX XXXX. Noncompliance with 15 USC 1681e ( b ) - Failure to Maintain Maximum Accuracy : noncompliance. 
XXXX. Violation of 15 USC 1681ad ) ( 2 ) ( A ) i ) - Improper Reporting of Non-Reportable Transactions : Additionally, under 15 USC 1681ad ) ( 2 ) ( A ) ( i ), transactions or experiences between a consumer and creditor are not considered consumer reports unless authorized by the consumer. The late payment being reported stems from such a transaction and, as such, should not have been shared with any credit reporting agency. Your failure to obtain proper authorization for the dissemination of this information is a further violation of my rights under the FCRA. 
XXXX. Violation of 15 USC 6802 - Unauthorized Disclosure of Nonpublic Personal Information : Further, as a financial institution governed by 15 USC 6802 under the XXXX Act, you are prohibited from disclosing nonpublic personal information to third parties without my express consent. 
Your unauthorized dissemination of this erroneous late payment represents a violation of my privacy rights, making you liable for any damages caused. 
Legal and Financial Consequences : Your ongoing failure to adhere to these legal mandates exposes you to serious penalties. Under 15 USC 1681n, you XXXX be liable for statutory damages ranging from {$100.00} to {$1000.00} per violation for willfully violating the FCRA, in addition to actual damages I have suffered. Given the egregious nature of your noncompliance, I XXXX also seek punitive damages to the full extent permitted by law, to punish and deter this willful misconduct. These punitive damages, combined with my actual damages for emotional distress, XXXX be substantial. 
The emotional distress, mental anguish, and financial harm caused by your disregard for accuracy in reporting have been significant. The persistent erroneous reporting has impeded my ability to secure XXXX XXXX XXXX XXXXXXXX XXXX XXXX to 1S USC XXXX XXXX XXXX remedies Immediate Action Required : To avoid further escalation, I demand that : XXXX. You immediately cease reporting the inaccurate late payment to XXXX, XXXX, and XXXX. 
XXXX. You remove the erroneous information from my credit file across all major credit reporting agencies. 
XXXX. You provide written confirmation of the removal within 30 days of receiving this letter. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) and puting XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I trust that you will take the necessary steps to rectify this matter and prevent the need for further legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Va XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The long and the short is Wells Fargo reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in 2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from Wells Fargo. Wells Fargo says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and Wells Fargo still reported as a bad debt, as of two days ago.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXXair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I received a letter on  XXXX   XXXX ,   XXXX   from our mortgage com pan  y ( Wells Fargo Home Mortgage ) that ou r account was marked delinquent several times over the time of  XXXX  for our mortgage account and for our home equity line of credit accounts. The months that were in error were  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . This also means that it may have affected months before or after those reportings as well. We own our own business and this has affected our livelihood tremendously!!! We have called time after time and written letters over the years trying to find out why o ur credit score was   dropping and could not get an explination. After several years we finally get a letter f rom Wells Fargo Home Mort gage stating that they were in error. We have to have credit in order to keep our business going and to be able to have inventory, banking approvals for customers, and floor plan for our products as well. This has held us back from being able to make our business grow and prosper in the way it should have been able to and has affected not only our business, employees, and customers, but our own family as well. We have not been able to get loans for business and personal accuonts that we have needed. This in NOT acceptable and we have tried to reach out to many different contacts and credit bureau 's ... ... ...  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   ,   XXXX   XXXX   XXXX   , Wells Fargo Home  Mortgage etc. Please help us get this corrected and taken care of so that we can finally be able to run our business the way it should be and so that we are not punished when trying to get loans for business or personal use in the future.
Product: Credit reporting

on XX/XX/XXXX I requested trans union to correct the following account-XXXX-account number-XXXX, status and remove the incorrect remarks, the correct status-paid/closed, the remarks was totally wrong, no other company paid for this account, I paid it in full XX/XX/XXXX.when it was charged off.my XXXX form showed that.the reply back XX/XX/XXXX file number XXXX has the same information on it.All I want is a correct credit report, from this credit reporting company
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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: Mortgage

Purchased a condo and financed with Guild mortgage in XXXX. Called in XXXX to remove PMI as I put 10 % down and unit appreciated over 30 %. Was told it can not be removed until after 24 months. Called back in XXXX XXXX  to again request PMI removal, and after a couple calls they finally agreed when my wife called. I took them at their word and never verified as it's on autopay, and I just now noticed 21 months later that they never removed the PMI charge. Their customer service said they have no phone records or notes on the account that this was ever requested or granted. They could only check if I provided the phone number I called from, and they had " found no calls '' from my or my wife 's numbers. I asked what the number mattered as there should have been notes added to the account with every call, but they said they had non and found no record of our calls. This is impossible, I remember the last call like it was yesterday, I congratulated her on a job well done as soon as she hung up.

By misleading me and continuing to charge PMI they have taken over {$1000.00} from my account ( {$53.00} per month ). Now they tell me to pay {$180.00} for a property valuation before they'll remove it. I owe XXXX XXXX, and purchased for XXXX XXXX. For comps, the XXXX identical units that have sold in XXXX have averaged XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXXXXXX XXXX XXXX {$14000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX is still reporting an old closed account on my credit report in the amount of {$340.00}, which is older than XXXX XXXX XXXX. This is illegal and I want this item removed. I have already disputed this item multiple times and they unlawfully continue to keep it on my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed complaint # XXXX - XXXX with the CFPB against Equifax. 

Equifax did not respond until XX/XX/XXXX, far longer than the 30 days required by the FCRA. Their failure to respond timely was a violation of my rights under the FCRA. I find it telling that they routinely choose not to respond timely, even when to a formal complaint registered by the CFPB. 

In their late response, I was finally relieved to read they had deleted the inaccurate report from " XXXX XXXX XXXX XXXX' I have attached a screen shot of their response to the CFPB where they wrote : " Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED '' You can also review that response from Equifax in complaint # XXXX - XXXX. 

I promptly logged into my Equifax account to confirm the Trade had been deleted as represented to the CFPD and me. 

IT WAS NOT DELETEDas represented. 

EQUIFAX ONCE AGAIN LIED. 

I find it very disturbing that Equifax will deliberately mislead the CFPB in order to falsely represent account deletion so that it can close a case falsely with the CFPB. This is part of their ongoing scheme to violate the FCRA and deprive Consumer of their rights. I don't want to sound extremist, but they are clearly engaged in an ongoing conspiracy. 

The fact they do this so willfully and often, even to the CFPB should be highly suspicious to the CFPB and the FTC. 

This illegal conspiracy is unacceptable and must be investigated by the CFPB and the FTC. It is inexcusable. It is willful. It is intended to harm consumers while protecting the profits of Equifax in direct conspiracy with their paying partners and clients. 

The evidence is clear. Equifax has again fraudulently represented they deleted this account knowing they had not. 

Yet they have manipulated their systems to provide plausible deniability so they can later claim " systematic issues. '' Equifax is well aware of my ongoing complaints against them at the highest level. And they continue to discriminate against me, violate my rights, and VIOLATE FEDERAL LAW. 

Their actions now rise well beyond mere error or negligence. Their actions are WILLFUL, MALICIOUS, and FRAUDULENT. 

The CFPB and the FTC must open a formal investigation into their Fraud Schemes.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  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 Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

Delete these inquiries at once. I lack information on this issue, and the company went ahead without my consent.
Product: Debt collection

XXXX   XXXX  , 2017   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX , NC   XXXX   Interstate Credit Collections   XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  Re : Acct #   XXXX   To Whom It May Concern : This letter is regarding account #  XXXX , which you claim I owe {$750.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I sent this same letter on   XXXX   XXXX  , 2017 certified with return signature, with no response
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 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 items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX 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 Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these items 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 items are 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.
Product: Debt collection

This company ( national credit management ) has emailed and called and recently started contacting my family member who they claim I used as a reference. When I called the representative, XXXX XXXX, he was rude, condescending and basically told me that he would not stop calling her or anyone else on my behalf because he's trying to collect a debt and as long as this debt is outstanding, until I pay it or make arrangements to pay it, he will call whoever he wants -- that no law protects me from that or prevents him from using such tactics to get me to pay the balance. When I continued to tell him " please stop calling my daughter '', he hung up on me and then refused to answer a subsequent call.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX Re : Ally Financial Acct Ending XXXX Ally Financial is reporting this account on my credit report when clearly it does not below to me, it belongs to XXXX XXXX XXXX. 

Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX Account XXXX Balance {$16000.00} Credit Bureau Account Status Charge-Off I, XXXX XXXX XXXX , am attaching a copy of the Bill Of Sale that clearly states in the Buyer/Co-Buyer Name and Address ( es ) that XXXX XXXX XXXX XXXX is the ONLY owner of this loan. Also, attached is the Retail Installment Sales Contract that clearly states in the Co-Buyer Name and Address lists N/A and NOT XXXX XXXX XXXX . XXXX XXXX XXXX XXXX is the ONLY name listed on any of the documents proving this loan does not belong to me ( XXXX XXXX XXXX ). 

I have contacted Ally Financial multiple times to have them remove this from my credit report with all 3 credit reporting bureaus and they have flat out refused to do so. I was also told by them that there was nothing I could do about this situation! 

Therefore, I am requesting that Ally Financial immediately remove this from all 3 credit reporting bureaus without success. I would like to thank you in advance for your cooperation in this matter and look forward to a positive outcome from the Consumer Financial Protection Bureau. 

Regards, XXXX XXXX XXXX
Product: Vehicle loan or lease

Santander repossessed my truck after 5 years of me making payments and its insured and registered. They claim that Ive never made a payment and that if I want the truck back I have to pay {$20000.00}. Santanders executive office said they have record of {$18000.00} in payments from me on my principal but their financial department said that wasnt true. The tow truck company that they said has my truck wont call me back or answer my calls and Santander wont give me a record of my payments that Ive made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beautiful day. Happy XXXX. XXXX has been one heck of a year. =- ( I humble myself to truly say thank you for taking a look at my situation. 

For about 2 months now I have been trying to respectfully dispute some issues with my credit. I sent and mailed off my ID and Social along with the proper documents and information needed for these companies to look further into the matter. Some of them said the items are accurate and have been verified ; however, I humbly asked and requested that they send me my signature showing that I have a binding contractual agreement with them.

Month after month 2 now they have failed to show me this information. XX/XX/XXXX was when I last submitted this dispute and I do have certified mail receipts to track their inability to produce the necessary documents requested. 

They are tying to buy time as I have given them everything they need and require.