23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified. The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP. FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the Navient website that clearly shows the first late on this account occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.
Product: Debt collection

A Company called Allied Interstate called me sometime around the 3rd week in XXXX  asking me to verify personal information without telling me what the call was about. When it became clear that they would not release any information without verification, I told them to stop calling me and then blocked their number. I have now received about 5 different voice mails with no message recorded, each time the same phone number is listed in the header information of XXXX. I assumed it was just a telesales line as I have been looking for information online and may have gotten put on some phone list. So, on XX/XX/18 after receiving another voice mail notification with a blank message, at about XXXX, I checked the header information for the message, and called the number to find out that it was Allied Interstate calling me again. I repeatedly asked what the calls were about, but the representative would not disclose any information until I verified personal information. I have never done business with an Allied Interstate so I was highly concerned as to how and why this company has my information. He continued to recite previous addresses that I had lived at in my past, but I will not verify personal information with anyone I do not know. This phone call was ended just after I told the representative to stop calling my phone, for the second time.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

XXXX XXXX
Product: Debt collection

Omni financial has destroyed my credit. When I was stationed at XXXX XXXX they made me give them my payroll information from dfas as well as my banking account info. I was recently told XXXX was sued for violated MLA laws, as well as violated EFTA and the CFPA laws. They charged me interest on my loan that was twice the amount of the loan itself. Theyve been reporting on my credit for years. I refused to pay my last payment of {$100.00} dollars, and attempted to fix the issue at a location by paying on the spot in the store but was turned away.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reached out to Climb to cancel my loan application a day before class started on the day of their deadline. If they were to have processed my request, the loan amount would have been independent of the school. They simply stated that my email " came from an unknown address ''. They told me to reach out to the school, and I did. Then, the school told me to reach back out to them. This went on for multiple weeks. 

The latest communication I received was an apology from a manager at Climb who said she understood the situation and would reach out to the school for the issuance of a full refund. That is the first email in the chain I will attach below. I reached out several times after, but I was unable to hear back. 

Both parties assured me that the loan would not fund until XXXX XXXX. I submitted my request well in advance on XXXX XXXX, for the XXXX time to cancel my loan. I was not worried about them taking so much time, because I did not think it would come down to all of this. 

Climb verified that my loan cancellation was not submitted to them by my school until XX/XX/XXXX. This was over an ENTIRE 2 weeks after I submitted for the XXXX time, and an ENTIRE week after the loan was funded! 

After the deadline from my original email passed, Climb has been saying that I need to contact the school for a full refund, but the school has said to talk to Climb. 

Additionally, the fees and terms on the website of the XXXX XXXX XXXX XXXX say that they will '' refund all amounts received from the enrollee less a {$400.00} processing charge and less the cost of training materials shipped ( {$850.00} ) totaling {$1200.00}. '' They never received any funds from me, let my loan fund, and then are now trying to charge me for it. 

The amount that reported to my credit report said I paid XXXX of a XXXX loan!!! I disputed with XXXX and they simply changed the loan amount. 

I never received ANY goods or services, nor " Shipping Materials '', and the amount they are charging me is over $ XXXX well beyond the scope of their hidden : '' conditions ''. I just graduated and was trying to extend my education and legitimately can not pay for this. 

I am genuinely worried this will go to collections and drop my credit score from XXXX to below XXXX. 

I know the Bureau 's mission is to make sure consumers are " treated fairly ''. This has gone beyond unethical business practices and is extremely unfair. I do not know where else to go. Please help me...
Product: Credit card

I had a credit card with Home Depot. In XXXX 2015 I closed the credit card account, paid the bill, and destroyed the card. The payment for the final bill arrived one day late. Home Depot charged me a late fee and interest, then continued to charge additional late fees on the previous late fee each month. They would send me emails saying that my bill was ready, which I assumed was an error since my account had been closed. Four months after I closed the account I looked at XXXX of these emails and saw that they claimed I owed {$130.00} - compounded late fees. I called an XXXX number and I spoke with XXXX, who did not feel that I had any right to claim this was unfair, and asked that I pay the full amount. When I asked to speak to someone else, she agreed, put me on hold then hung up. I have repeatedly tried to call back but always get the message that they can not talk to me now and to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Major credit reporting company leaked my information spent countless months and money on lawyers to fix it filled identity theft contact reporting company personally wrote countless letters made countless phone calls still a dead end no answer and no solution or anyone to help!
Product: Debt collection

I C SYSTEMS INC HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
Product: Mortgage

This equity loan was not authorize by me and its not my signature. 
SERVICING is charging a balance of {$30000.00} until now XX/XX/2022 on my house. 
I starting receiving statement this past year I have Select Profolo Servicing as my first mortgage I taught I was related to the second equity loan. I taught to them about this issue they didn't want to work out this salutation. they email me the deed and the signature is not mine. I called back when I received deed and didn't want to resolve issue.
Product: Credit reporting or other personal consumer reports

Formal Dispute Violation of Fair Credit Reporting Act & Failure to Conduct a Reasonable Investigation To Whom It May Concern, I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to conduct a reasonable reinvestigation of any disputed information. However, your failure to comply with this obligation, as evidenced by recent legal action against your agency, constitutes a direct violation of federal law. 
The Consumer Financial Protection Bureau ( CFPB ) has sued both XXXX and XXXX for conducting sham investigations, failing to properly verify disputed information, and misleading consumers regarding their rights. This lawsuit confirms what many consumers, including myself, have experienced firsthandan outright refusal to conduct a lawful, good-faith reinvestigation as required under the FCRA. 
# # # Violation of Federal Law Your failure to verify the accuracy of the disputed information violates the following FCRA provisions : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandates that a credit reporting agency conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item. The CFPB lawsuit establishes that XXXX and XXXX have routinely failed to comply with this obligation.

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires that any information that can not be verified must be deleted from the consumer 's file. The burden is on you and the furnisher to prove the legitimacy of the reported data, not on the consumer to disprove it.

- 15 U.S.C. 1681e ( b ) Requires that credit reporting agencies maintain maximum possible accuracy in consumer reports. Your failure to conduct a reasonable investigation and reliance on automated systems instead of substantive verification is a clear breach of this requirement.

- 15 U.S.C. 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation once a dispute is received from a credit bureau . Your continued reporting of information without proper verification constitutes willful negligence.

# # # Demand for Immediate Deletion Since your agency has failed to meet the legal standard of a reasonable investigation, and in light of the CFPBs action against XXXX and XXXX for fraudulent and deceptive dispute handling practices, I am demanding the immediate deletion of the following inaccurate, unverified, and disputed accounts from my consumer report : Account Name XXXX XXXX Company - Portfolio Recovery A Account # - XXXX
Product: Mortgage

My mortgage was financed by Nationstar. 
I contacted this company several times to give my attorney what he needed in order to close on this property. 
He called them asking for a DEED assignment, and he was told he would receive an email. He contacted them for Several days and still nothing. He finally contacted me again to see if Nationstar would just send it to me. I was told they had it on file but would need to contact the dept that had this document. I contacted them again, asking, begging, for this document so I could close on my house, and they had the nerve to give me another website to visit to obtain this Deed ... CAN YOU BELIEVE THIS! To this day, it has been several weeks, and I still do not have from Nationstar what I requested. This has been a nightmare. Selling your home, and paying off a mortgage should be a GREAT experience, but Nationstar made this so difficult for me! I will never do business with this company again! Please run, and not walk from this company!
Product: Money transfer, virtual currency, or money service

To Chase Bank, a local branch, where I had an account for several years, I brought in a " questionable '' US postal money order. Let the teller in lobby know I was suspicious. Teller said to wait 3-4 days & if it cleared it would show up. I waited 3 days OVER the verification process before returning. Was told by same teller that it cleared & was GOOD TO GO. Three to 5 days later received mail that no it was fraudulent! Crooked as the day is long!!! Now they say I owe them! What a racket!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Product: Vehicle loan or lease

I have a lease with Toyota Financial - it ends in XXXX. Monthly payment is {$330.00} ... plus the car has XXXX miles less than the allowable XXXX. My husbands business closed down to due the covid-19 - its a non essential business so we have no income coming in. Trying to alleviate as many bills as possible ... ending the lease early we can then cancel the auto insurance as well would be most helpful. I contacted Toyota and they said I could end it but would have to pay fees or if I just hand in car early my credit would suffer. Can you help?
Product: Credit card or prepaid card

I am writing to dispute a billing error for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$3600.00} ) on my TD account. I practice good faith and ethics when dealing with both TD Bank and XXXX XXXX as a consumer. I responded immediately to XXXX XXXX employees for their false reporting of incorrect numbers owed by me. I physically made several visits to the store and had intense phone conversations with the XXXX XXXX Employees. The service desk personnel and the Store Manager assured me that the corrections would be corrected. I disputed with TD Bank as soon as I saw the charges. TD Bank said the investigation would take 90 days. TD Bank sided with XXXX  XXXX. XXXX XXXX submitted false paperwork with a pasted signature. I purchase two pieces of furniture for a total of XXXX. XXXX submitted a second chair, which I never purchase forXXXX. This is fake, a fraud to extort monies not owed by me. XXXX XXXX was in business for 6 months and now declared bankruptcy. They has decided to to resolve the issue. There should be original paperwork that proves I only purchase one chair and one loveseat.TD just made the decision without showing me their findings. If they had I would told them the paperwork was faked.
Product: Checking or savings account

On XX/XX/2024 Discover Stole {$2000.00} and {$100.00} for a company titled " XXXX XXXX Discover sent me a text message the same day on XX/XX/2024 It stated from a number XXXX " Discover XXXX XXXXXXXX : We Declined {$2000.00} at XXXX XXXX. Recognize this? Y or N. Questions? Call XXXX. Text STOP to quit. In which I responded N, Discover then sends back a response Discover XXXX : Sorry, We did not understand your response. Try again after reviewing the previous message or call XXXX. Text STOP to quit. In which I texted N again for the third time, and Discover once again responded : Discover XXXX : Sorry, we did not understand your response. Try again after reviewing the previous message or call XXXX. Text stop to quit. After the third message I sent it didn't respond anymore. Discover IS FALSELY Accusing me of authorization after I SENT PROOF in picture I did not authorize the transaction. I uploaded this to the XXXX XXXX XXXX - XXXX This transaction was not authorized. Discover Bank XXXX Department even admitted I did not respond with a Y to authorize the transaction yet. Their Dispute response for denial stated. Account holder has contact with the financial institution. I have never had contact with the institution. This XXXX whoever this third party is, I have not done business with. I do not have contact with this business and in the secure document upload listed above I DID NOT authorize the transaction. It's not my fault Discovers text message system did not recognize my response. This is a technical BANKING Error, not a Consumer error. I followed all proper laws and reported this right away to XXXX different departments within Discover including sending a PHOTO COPY PROOF OF THE TEXT AND RESPONSE. Which clearly shows I responded N. I did not authorize this transaction, and I have not been in contact with this merchant. This is $ XXXX Discover allowed to be drained from my XXXX XXXX Account without my consent. Discover Denied the Dispute and refuses to refund the money, Without providing documentation proof. I have sent proof of what I texted in response to their text message system. They experienced a Technical Error which they admitted and then want to falsely accuse me.
Product: Checking or savings account

Due to excessive fees, I believe I am eligible to receive damages from the Wells Fargo settlement.
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.DIVISION IF XXXX XXXX XXXX XXXXXXXX, 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a check from a XXXX XXXX company. On XX/XX/18 I went to Wells Fargo at XXXX to deposit a check for the amount {$1500.00}. I received a text message notification from Wells Fargo at XXXX stating As of XX/XX/18 XXXX Eastern Time your available balance for account was {$1500.00}. I completed my XXXX XXXX on XX/XX/XXXX for {$1200.00} XXXX gift card. On XX/XX/XXXX I receive an alert at XXXX from Wells Fargo that states As of XX/XX/18 XXXX Eastern Time , your account is - {$1200.00}. I then go to the back after work to discover the check I deposited two days ago was returned. So I contacted the bank that the check came from told me the account for the check was fraudulent. My issue with Wells Fargo are their controls for depositing checks. How can a check clear the bank a day later to be return two days later. Are there not control measures that are used to communicate with other financial institutions to confirm the money is available in order to prevent a return check if there were no monies offered for same day use of check deposits made? I went to the back to get a copy of the check and the teller said I would have to speak to a banker but the bankers were completely swamped so I called the customer service line. The representative on the told me due to me depositing the check I am liable for the loss. The representative said my only option was to file a police report which I did on XX/XX/XXXX. The officer assigned to my case contacted me on XX/XX/XXXX to get my statement and asked for me to send all documentation I had from the scam. I did so and tried to get XXXX to release the location, date, time and product purchased in order to give the information to the police but was denied due to laws. XXXX suspended the gift card and which had a remainder of {$10.00} on it. I have not heard from the police officer I filed my report with since XX/XX/XXXX. The entire experience could have been eliminated if Wells Fargo would have use proper control measures to ensure the check was legitimate instead of waiting two days to figure out the check was fraudulent.
Product: Credit reporting or other personal consumer reports

These Credit Reporting Companies : XXXX, TRANSUNION, XXXX, are reporting inquires that I did not authorize nor give my permission to anyone to run my credit. Here is a list of the inquiries. 

1. XXXX  XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX I have also filed a fraud report with the FEDERAL TRADE COMMISSION my Report Number is XXXX.