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

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a XXXX clear  violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation!

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX - Collection XXXX XXXX - Collection INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Experian XXXX  XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several fraudulent accounts that are being reported by third party companies. 

Under 15 U.S.C 1692 ( C ) States if a consumer refuses to pay a debt the debt collector must ceases all communication.
Product: Debt collection

Comenity Bank/ Victoria Secret began reporting a credit card account on my consumer report in XX/XX/XXXX without my consent. They then claim that I owe them a debt of {$510.00} from this credit card account when I never agreed to a loan with them. I entered into a consumer credit transaction with Victoria secret and this transaction has already been paid for thru my open end credit plan. I sent Comenity Bank a debt validation letter on XX/XX/XXXX and they sent me a letter on XX/XX/XXXX saying that they sold my information to a third party collection company XXXX XXXX.. This is in fact identity theft and fraud. Comenity Bank violated many laws including 15 USC 1692 ( a ), 15 USC 1692c ( b ). On XX/XX/XXXX I sent them a cease and desist demand which they received on XX/XX/XXXX and on XX/XX/XXXX Victoria secret sent me an email stating that they sent me a secure message through their online portal. This is a violation of 15 USC 1692c ( c ). The reporting of this account to the consumer reporting agencies XXXX XXXX an XXXX  is a medium of communication and Comenity Bank/Victoria Secret continues to report negative damaging information to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I attempted to place a freeze on all credit reporting agency credit reports. I had no problem doing this on-line except Transunion 's website is misleading and I find i was signed up for a {$29.00} service without any clear indication I was doing this. they indicated rather than using their web site transunion.com I should have gone to XXXX. I was able to cancel the service on the first web site and a phone call got a promise to reverse the charge. I then had to go to the second web site to place a freeze on my credit reporting. I had to set up a separate user ID, password but was taken to what looked like was the EXACT same website. in all I was able to accomplish what I wanted, but as I said, they are unscrupulous in their design and establishing a service I never intended to sign up for. I believe they should at least notify me of the fact that I was signing up for a billable service and what the charges would be. Then if I click ok, it's my decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act DEPT OF ED / XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Companies Equifax, XXXX XXXX XXXX reported purposely PII
Product: Payday loan, title loan, or personal loan

I borrowed XXXX was supposed to be charged XXXX to pay back I been paying XXXX a month to renew agreement the balance stays the same until I have the whole XXXX the XXXX is just they money to keep its killing me it's not fair nothing comes off unless I have the whole XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to Transunion demanding the deletion of all personal identifiable information on my consumer credit report with the exception of this identifiable information : XXXX. Name : XXXX XXXX XXXX. XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. XXXX. Phone Number : XXXX. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections
Product: Debt collection

This Debt Was originally with California auto finance who originally discharged the debt. Than without notice I discovered while checking my credit that XXXX XXXX XXXX bought the debt. I was unaware that I can dispute the debt and never received notice that I can dispute the debt along with I did not receive any verifying information of the debt.
Product: Credit card or prepaid card

PAY-PAL has fraudulent unauthorized charges on my acct # for XXXX  for {$690.00} they will not give me the last four digits of the card used, address, was I charged or did it go through. Complaint # XXXX attaching supporting documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to show new incorrect debt collection agency information about me they put on all 3 credit bureaus. XXXX for {$640.00} says new account opened XX/XX/2020. Debt Rec Sol for {$530.00} says new account opened XX/XX/2020. XXXX XXXX for {$65.00}. says new account says I opened XX/XX/XXXX, XXXX. Because these companies are saying these accounts are new and just defaulted it has made my score plummet in a downward low so. I am unable to get a loan or any kind of assistance.I have worked very hard for several years to pay my bills on time and these bad collection agencies are lying about the recent dates of not paying. These accounts are all very old and should be removed
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Product: Debt collection

XXXX keeps turning me into collections every year since 2012 for a bill i paid off in 2012. Every year I have to send the collectors and the original company my proof of payment. Every year they send me a letter of confirmation saying it was an error and they have corrected it ... but here we are again. I have more than enough evidence that I have paid that bill and I am tired of effortlessly trying to improve my credit score in hopes of a house and babies XXXX day, when XXXX keeps holding me back for nothing ... for a bill i have paid 4 years ago.
Product: Mortgage

I received information from a Bank of America representative via phone informing me of a forbearance / deferment due to my Covid 19 and Hurricane Ida resulted hardship. I informed the representative that I was working towards catching up on my account. I specifically asked for clarity of the forbearance to ensure I would not have to pay notes occurred during the forbearance at the end of the forbearance. She assured me that those notes would be placed at the end of the mortgage loan period. I had her to repeat to ensure. At the end of my forbearance I was told something different and I am now working on a loan modification. I would have known the correct information, I would have sought out other options. A week ago I was informed by a representative ( XXXX XXXX ) that I needed to send an appeal email requesting information about an outstanding issue. I sent the email immediately and I also sent an appeal email regarding the false information. I informed the representative a week ago that I completed an appeal email regarding the false information I received and still have not received a response. At that time I was informed that I did not need to send an appeal email regarding the information I had just received stating I had an outstanding issue that needed to be addressed. That was again, false information. This is not the first or second time I have sent complaints due to false information from representatives. Bank of America only apologizes and moves on. Unacceptable and not professional at all. I am presently on XXXX XXXX XXXXXXXX due to XXXX XXXX  and this situation is only escalating those issues. I have requested that the recorded phone calls be reviewed. Last week, after being told day before that calls would be reviewed, that those calls in questions were not able to be reviewed, yet the representative was able to review several other calls. I am also having difficulties and frustration with representatives during this modification process. They continue to ask for duplicates and information that is noted not retrievable. In particular, after sending several child support check stubs, letter from payor and proof of deposits ( after being told to deposit ), they still continue to ask for evidence that it will continue. On last week I was told that they had a document that showed my payments are XXXX and I have proven otherwise that payments are XXXX XXXX month with several pay stubs and deposits. I am not sure where the errored information came from and the representative could not answer. They were provided everything that could possibly prove receipt and continued payment. After reporting to XXXX, a letter from XXXX noted next steps that were not taken.
Product: Debt collection

I was making school payments for XXXX University XXXX XXXX Campus on my original balance of {$980.00} ( approximately ) and I missed a payment and they sent it to a collection Agency ( Access Receivables ). I had no Idea that it was sent to Collection until I see it on my credit report. The collection agency did n't sent me a mail to my address, did n't send me an email or a phone call. 
I have contacted Access receivables, but the manager did n't want to assess the situation. 
As a taxpayer citizen, I have a right to be notified by certified mail that I have to settle a debt, but in this case just because they have the power to post it to my credit, they did.
Product: Mortgage

On XX/XX/XXXX, my house was caught in a fire and my insurance company ( XXXX  XXXX  XXXX XXXX XXXX ) came out and assess the damage and agreed to pay for all the repairs. The payment came out under my name ( the owner ) and the bank name XXXX XXXX XXXX XXXX. while the work was in process the bank of XXXX transfer the service to the XXXX XXXX XXXX from there ; the service was transferred to Fay servicing LLC. While the work was in progress, the bank Fay servicing LLC sent out an inspector to supervise the work and it was XXXX percent completed at that time and on XX/XX/XXXX, the bank again sent out another inspector XXXX XXXX at this point the work was XXXX XXXX percent completed. Since the work was completed I was expecting that the remaining balance in the amount of {$11000.00} would have been paid off. After waiting for a long time or getting no response or receive the payment, I made a call to Fay servicing LLC to make a request for the payment to be made. Up until this date they did not respond or show any sign that they were going to pay the balance even though they received the money from my insurance company. Due to the fact that they did not want to talk to me after I called them so many times about the payment, therefore, they leave me no choice except to file a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$420000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$13000.00}
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ experian ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.
Product: Credit reporting or other personal consumer reports

I dispute unauthorized hard inquiries on my credit report, made without consent. They do not reflect legitimate credit inquiries. Request prompt removal per FCRA and FTC guidelines. Please investigate and confirm removal. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write this letter with deep concern and dissatisfaction regarding the responses provided by XXXX and TransUnion to my complaint in connection with XXXXXXXX XXXX XXXX XXXX non response to my request for debt validation. It is distressing to note that both credit bureaus have failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. As stated in my original complaint on XX/XX/, the core concern lies in XXXXXXXX XXXX XXXXXXXX XXXX failure to respond to a Debt Validation request within the mandated 30-day period, which should result in deletion of that item from my credit report. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the two credit bureaus ' responses not only failed to take the correct action of deletion of the item, instead exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXXXXXX XXXX XXXX XXXX untimely response. 

I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. 

Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/ complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. 

Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that should there be any further failure to address my concerns transparently and adequately, I will not hesitate to escalate this matter to relevant regulatory authorities and consumer advocacy groups up to and including legal action. 

Your immediate attention to this issue is expected and appreciated.
Product: Mortgage

XXXX re3open. 

I was tricked into attending a mediation meeting with wells Fargo to discuss a fraudulent CHECKING account. During the mediation, I requested to discuss the other fraudulent behavior of WF as it pertains to the HELOC loan. 
The WF representative refused to discuss any other items other than the CHECKING account.

In return WF has mislead CBPB by saying that we discussed or came to a resolution regarding my relationship with WF as a whole which is untrue and misleading.

The fact that I wasted money with their outrageous fees and lack of concern for the consumer needs to be investigated.

I closed the account for a tremendous loss without any concern of WF after the loan was restructure is a very unfair matter. 

See all the prior letter and others. 

Thank you,
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. 

XXXX XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1981 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 an account without 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-21 ( 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, credit repair services, or other personal consumer reports

I purchased a copy of my report in XXXX  dated XXXX and I found out that Equifax still indicates my dispute of information in my credit report. As of todays date, Equifax has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX because I believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

Fix my credit report now. Remove the incorrect names and addresses immediately they're not mine. Check and delete and please no more mistakes. Thank you for fixing this issue immediately. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.