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

XXXX was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of Federal Student Loans as of XX/XX/2023. I have given XXXX with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! I have provided XXXX with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with XXXX confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.
Product: Credit reporting or other personal consumer reports

Section 605B of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to block information from a consumer 's file that the consumer identifies as the result of identity theft. CRAs must block this information within four business days and notify the information 's furnishers.i am requesting proof of authorization ( wet signature ) for each hard inquiry placed on my credit report!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

By XX/XX/XXXX, I submitted an identity fraud report, which has been presented in several disputes with Equifax and they have ignored it. I wrote a letter to the account that is reflected in my credit report on XX/XX/XXXX to send me his contract because they report this incorrect account on my credit and it has been more than 30 days of this and they have not sent me anything. I have also made three previous disputes with Equifax requesting the information or research they use to report this account and they have not sent me anything. Attached I have the letters sent and the certified acknowledgments of receipt as evidence that Equifax is committing several violations and they have not removed information from my credit that they can not verify. They also do not comply with updating the information or sending me their independent investigation, complaint number XXXX. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX XXXX  : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$83.00} Be notified that this complaint is my follow-up complaint to ensure that the listed accounts are repaired.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days since my initial dispute so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.
Product: Debt collection

XXXX XXXX XXXX  continues to call and harass me and leave voicemails requesting me to pay my balance when I sent in a settlement correspondence on Friday. They called me Monday and left a voicemail the again today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN MY DISPUTE LETTERS ALONG WITH FTC REPORT. 
THE INFORMATION ON MY REPORT WRONG.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX ( Acct # XXXX ) XXXX.Dept Of Ed-Opened XXXX XXXX ( Acct # XXXX ) XXXXXXXX XXXX XXXX XXXX- Opened XXXX XXXX ( Acct # XXXX ) Its been well over 30 days. I still havent recieved anything back. According to 15 USC 1681i ( a ) ( 1 ) ( a ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. I explain to them in writing if you dont have the Original Agreement then I need an updated error free credit report.
Product: Mortgage

This company is trying to say they have a loan on my house. Ocwen personal and confidential : XXXX XXXX, XXXX XXXX PA XXXX. My loan was written off by Litton Loan ... and there is a class action Lawsuit against them. Ocwen is now on my credit report ... starting from the time they say there loan started This is my second report. They also have class action lawsuits against them. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking over my credit report and I see that the alleged account below is on my credit report. Are you aware that Pursuant to 15 USC 1681c no consumer reporting agency shall include the name, address, nor telephone number of any medical information. Yet your company continues to report this alleged information to my credit report. Please delete the following alleged account as soon as possible as it not only violates 15 USC 1681c, but also 15 USC 1681b as I, XXXX XXXX did not give your company written instructions to include this alleged information. 


XXXX XXXX XXXX XXXX Account # XXXX I have included my license for identification being that you have my alleged personal information in your system WITHOUT my consent you should be able to verify me with the identification ( my license ) that I provided.
Product: Checking or savings account

I had over draft fee wasnt correct from XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my Identity theft form to XXXX and they have denied to delete the Multiple fraudulent inquiries that are not permissible and I did not authorize them! Also, the fraudulent accounts that I did not apply for XXXX XXXX no contract with the company fraudulent, XXXX XXXX XXXX fraudulent account, XXXX XXXX XXXX, and XXXX XXXX fraudulent accounts. The inquiries are XXXX XXXX XXXX  that are listed multiple times, also XXXX, XXXX, and also XXXX. I have decided to take this matter to civil court in my area for proper and ethical resolution! I was trying to avoid litigation as I know there have been previous successful precedents such as XXXX vs XXXX, that suggest The courts would find in my favor, but XXXX has repeatedly violated section 609 ( a ) ( I ) ( A ) and section 611 ( a ) ( I ) ( a ) ( A ) which clearly states that the company must present original documents or Signed contracts! If the accounts are not deleted within 10 days I will forward the information to my attorney! XXXX and XXXX have deleted the above inquiries and accounts that have been listed as fraudulent!
Product: Bank account or service

I received a check from my mom for {$750.00}. I deposited it in my checking account ( XXXX/XXXX/16 ) and withdrew the funds the next day. Four days later my checkcard is declined and I am told by my bank that their loss prevention department suspected the check was counterfit. The check had already cleared my mom 's account. My payroll had also just deposited and it was enough to cover the check XXXX3 times over. I had no cash and they refused to release any funds. I spoke to XXXX different people before ending up with XXXX in the executive section. She was unhelpful, basically told me I needed to submit a Proof letter. She informed me I needed a letter and with the check number, amount, case number, my moms phone number and that she wrote the check. My mom provided the information and I verified they had recieved it. I was told that they should relase the hold in XXXX48 hours. They did authorize a partial amount for withdrawl, but returned several incoming payments that I had previously submitted. On Monday morning I called again. My account was still on hold. I was escalated to the executive side again and was told by XXXX that the letter was n't sufficient. My mom then went into a XXXX XXXX XXXX Branch ( this is her bank ). They told her that they did not have letter head in the branches, but made copies of the cleared check authorized and verified my mom did authorize it as well as her signature and used the official XXXX stamp to certify its authenicity. That was sent to them on Monday the XXXX. They still refused to release funds and were indicating their intentions to close my account in spite of me providing all the information they requested. The next morning my mom went to a Wells Fargo branch with all of the information to provide unquestionable proof that it was not fraud. Wells Fargo refused to help her because she was not the account holder. The W.F. investigator then made the decision that it was not a legitimate check ( or so loss prevention told me ) and that they were closing my accounts XXXX XXXX and that I would recieve a cashiers check in the mail shortly there after. So that left me having NO MONEY and multiple returned items and overdue bills until at least XXXX XXXX. I requested the manager of the exectuive office to call me and they never did. I have gone to XXXX different local branches and every officer at each location tells me that it makes no sense that the documentation should be sufficient, but none of them have been able to override loss prevention. I contacted them once again yesterday and they grudgingly agreed to release my funds with the condition that I close the account after I had said that I would be contacting the CFPB. I now have no checking account and have been denied opening a new account with several other banks due to the freeze and " fraud '' that Wells Fargo is claiming.
Product: Vehicle loan or lease

Wells Fargo Auto Finance helped my daughter apply for COVID payment relief due to a loss/change of job. Her payment due on XX/XX/XXXX was paid on XX/XX/XXXX, On the XXXX of XXXX she applied for COVID payment relief for three months, while she was looking for a new job. She had not heard from anyone until Wells Fargo started calling requesting payment, which she thought was covered in the COVID relief. In XXXX, my daughter made 2 car payments, one for XXXX that Wells was saying is late because her COVID relief never came through. Once, I found out about this on XX/XX/XXXX, I paid 3 months car payments ahead to give her the relief that the bank was supposed to in the first place. I have completely exhausted my attempts with wells fargo to try and mediate this situation. Called numerous times, there phone system is TERRIBLE. I was hung up on 4 times after being on hold for over 45 minuets. Over many days I continued to call and kept getting escalated to a new supervisor. Finally I was able to open a case ( Case # XXXX XXXX I have been dealing with this for a couple of weeks now. Someone always says they will call me back and never do. They say they need to listen to the recording of the conversation, one person says they see the convo and it needs validated and the other employee says they cant find it. I don't trust the bank or their phone system. My thought that COVID relief is required by banks to help people through their struggles especially a kid. Im a cosigner on this account for her and believe that she has been overlooked and bullied as a big bank will not even giver her the time of day to respond or take her case seriously.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT, THE LISTED ACCOUNTS ARE NOT MINE ( XXXX XXXX XXXX  FOR {$1900.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$650.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$460.00} OPENED XXXX XXXX, XXXX ) ( XXXX XXXX XXXXXXXX XXXX FOR {$390.00} OPENED XXXX XXXX, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Fail to follow Federal law and not notifying In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.in which i was not notify. that this account from XXXX was recent deleted from my credit report and now XXXX XXXX XXXX, pleace this same account back on my credit report i was not notify. also XXXX and XXXX card over and over stating verified after disputing over and over unacceptable by Equifax these company didnt provide contact with my signature as anytime.
Product: Debt collection

Portfolio recovery Associates have been harassing me over accounts I have no knowledge of, they call with inaccurate amounts, dates, fraudulent charges, threatening to sue me over XXXX accounts XXXX reporting last digits XXXX & XXXX, Ive requested they respond by mail, due to Calls XXXX and Text messages. This must be Identity Theif, Thanks
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Mortgage

Issue with Freedom Mortgage Background : I'm in the service and rent out my townhome in XXXX. I'm currently stationed in XXXX. My renters have Renters insurance, I have a separate policy, and the townhome association also has a policy. 

Issue : Earlier this year, my Mortgage Company ( XXXX XXXX ) sold my loan to Freedom Mortgage. Upon transfer, Freedom Mortgage required proof of insurance on my townhome. I provided the policy I use under XXXX ( XXXX XXXX XXXX  ) and the policy provided by my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The XXXX XXXX policy covers exterior and the interior for hurricane, wind, and hail damage as required in XXXX. XXXX XXXX  is claiming I don't have the correct " verbiage '' required to cover my property for " betterments and improvements. '' I asked for clarification but they can't define what " betterments and Improvements '' means. And they failed to provide documentation on how the policy works ( deductions, coverage, etc ) As a result, they installed an insurance police on my mortgage for {$2000.00} to cover " betterments and improvements '' annually. I asked if this means modifications, post build modifications, etc but they couldn't clarify this. Of note, I have none of these as it's a rental unit with original construction ( toilets, sinks, cabinets, etc ). 

We're facing hardship with the pending government furlough and this is ridiculous as I've never had to have this type of coverage in 12 years with this home ( and never missed a payment ). Regardless of the furlough this is ridiculous in the face of the economy when the XXXX  has two policies ( a 3rd one if you count the renters living in the unit ) and now they want a 4th policy to cover " betterments and improvement. '' I called XXXX about this but they couldn't explain it either. 

Please help
Product: Credit card or prepaid card

Capital One put a late payment on my credit report from 2017 that I was unaware of And will not remove it they never contacted me about the late payment I have sent several dispute letters to the office and the issue still havent been resolved Capital One is in violation of the law 15 us code 166b and 15 usc sec 16181i
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly notified the Credit Bureaus about an inaccurate collection account listed on my report. I have sent in documents showing the listing is invalid and inaccurate, however, the CB still refuses to remove the account in spite of the evidence provided. 
XXXX XXXX XXXX has listed a collection debt on my report for {$5000.00}, however, they are unable to provide me with a ledger showing that amount is owed. They did send a copy of my lease and a screen shot of a ledger balance " owed '', but nothing that describes the charges or the amounts allegedly owed. I've asked repeatedly for these from both the collection agency and the CB reporting the account- neither have provided any additional information. 
I feel as though I am being treated unfairly. Both the collection agency and the CB have a legal obligation to provide accurate information. If they can not do that, they can not legally list the information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX RE : Social Security Number : To Whom It May Concern : I have recently been informed you that there is negative information reported by XXXX and the account claims I owe {$450.00} & Debt Recovery Solutions {$950.00} in the file you maintain under the last 4 of my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing of {$450.00} XXXX & {$950.00} Debt Recovery Solution. I also notice several inquiries on XXXX and XXXX well as follows 1. XXXX twice, 2.  XXXX. I have attached the pictures of each credit bureau. I have been a victim of identity theft in the past. I am disputing the erroneous account and inquiries an an internal dispute which takes 3-5 business days. I am disputing the accounts listed on this letter and the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Debt Recovery {$810.00} all of the inquiries and provide me with original 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 sent a certified letter 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the account and the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX SSN : XXXX XXXX XXXX XXXX XXXX GA 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. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD TIME CONTACTING XXXX ABOUT THIS COMPANY REPORT ERRONEOUS INFORMATION ON MY CREDIT REPORT! I will be working with my attorney to make sure that AVANTE USA Will cease these deceptive strategies. This company AVANTE USA is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, AVANTE USA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994