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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. 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 ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX
Product: Checking or savings account

On XXXX XXXX 2017 around XXXX pm. I went to my local Wells Fargo Branch located in XXXX Florida. I took {$200.00} in twenty dollar bills inside with me to make change ( ones and fives ) for my business. I used my debit card to access my account to show I was a customer to avoid non customer fees For the service of making change. I hand the teller my money, she makes the change and counts it back to me. She asked if she can help with anything else. I say no and walk away. About 30 minutes later my husband checks our account online and see {$600.00} missing. He then goes to the bank to see what happen. The bank manager counts the draw and reviews the security video. He then tells my husband the teller did not close my account screen and the man behind me withdraw {$600.00}. The teller never asked for his ID or checked to see if he was on my account. I have been in contacted with the local branch as well as the corporate office. They will not let us view the camera footage and are not crediting the {$600.00} back to my business account.
Product: Mortgage

My mortgage was purchased by NewRez in XX/XX/2019. After receiving their introductory email, I set up an online account requesting that all communication-even statements-be sent electronically. To this day, I have not received one mortgage statement from them. I have contacted them to complain, voicing my concern that they are doing so intentionally so as to collect late fees from their consumers. Despite my complaints, they have not corrected this. I do get marketing emails from them, so I know they have the correct email. This may be a IT error on their part, but I don't know why it has not been addressed yet. As an educated consumer, I continue to make my payments on time. I don't know if this could be true of other consumers, which raises concerns that NewRez may be trying to take advantage of these consumers. I am considering re-financing with a different lender, because I think their policies ( or at best their inability to fix errors ) is concerning.
Product: Credit card

We paid off and closed our account on XX/XX/2023 with a final payment of {$4800.00}. The company fails to close the account and XXXX  the balance whereby, reporting this updated and accurate information to the three credit reporting agencies. We paid off this account very early and did not utilize the entire credit limit because we caught this company on several occasions not abiding by the FCRA in reporting updates in a timely manner in accordance with the FCRA. WE constantly called customer service on recorded lines and was given several unsubstantiated excuses for their actions. Their failure to adhere to the law has affected our borrowing power and several credit scores.
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. 

Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX CAR # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # 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 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

Hello, I have been trying to resolve with Caliber Home Loans ( loan has been transferred to XXXXXXXX XXXX XXXXXXXX as of XX/XX/XXXX ) disputed payments since the end of XXXX without success. 

I have written ( certified and email ) as well as called and talked to several representatives who were unable to provide information about records of payments made. I was unable to speak with the bankruptcy department since my bankruptcy has been discharged ( XX/XX/XXXX ). 

I have verification from my bank that all payments from XX/XX/XXXX - XXXX XXXX XXXXXXXX, have been satisfied, and I can provide proof upon request. Some files attached, can require more documentation if needed. 

My credit has taken a huge hit and I'm unable to refinance my home due this ongoing issue. Please help me resolve so I can move on. 

Thanks very much! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a auto loan The account have a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws.

CFPB Complaint against Credit Reporting Agency TransUnion Consumer name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan opened on XXXX {$120000.00} # XXXX XXXX XXXXThe account have resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached a a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accountas reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer auto loan are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Debt collection

I called to get debt validation. I gave the full file account number. The call was recorded. The representative stated the number I gave was too many numbers. I was transferred to XXXX people with no result.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

I borrowed XXXX dollars from max lend, to be paid back in installments, XXXX each month, well I have paid back over XXXX dollars monthly and to get the loan paid off they want XXXX in addition to pay if off. That seems exhorbitant to me! I already paid what I borrowed and I am willing to pay off an additional XXXX if that will close the loan but they want an additional XXXX to what I have already paid. I did not realize that when I borrowed the original XXXX dollars. I was strapped as I am retired and had an unexpected expense.
Product: Debt collection

My Credit Status has been ruined by collections agencies that I have no idea who they are and keep sending me letters asking me to pay XXXX Premium  $ {$1200.00} XXXX XXXX XXXX {$320.00} And there are some accounts from 8 or 10 years ago still open and it has brought my Credit score down.I need to clean up all these things and protect my Credit Status, How can I dispute these issues, please? 
Thank you, XXXX XXXX
Product: Debt collection

After obtaining a copy of my credit report, and noticed that there was a collection account on there in reference to a Direct TV account with an address associated with : XXXX XXXX XXXX XXXX, MI XXXX I have never at any time in my life lived in XXXX. Pursuant of 15 USC 1681c ( h ), the company received a notice of discrepancy for this address, and still willfully reported false information that has never and can never be validated. 

I have reached out to the company about this error being reported to the credit bureaus but have been met with negative results. 

I am demanding removal of this inaccurate information, and compensation for the willful non-compliance and further violations of 15 USC 1681.
Product: Student loan

I never attended XXXX and XXXX XXXX to collect any debt from the school. I have tried to reach out to the school to have them remove the loans from my file but they are not helping me at all. I dont know what steps i need to take to have this negative information removed from my credit reports. Please help!
Product: Checking or savings account

On XX/XX/2021 around XXXX, I wanted to log into my chase bank account and found out that my account was locked. I called chase bank at XXXX XXXX that same day to know why my account was locked and the agent that I spoke with told me that my account has been closed and I can not bank with chase bank anymore, the money that is in my will be mailed to me in seven ( 7 ) to ten ( 10 ) business days either as cash or by check. The agent refused to tell me the reason for my account being closed when asked. I told him that I need the money to put it in another account in order to take care of my financial obligations and he said nothing could be done about it.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 's.

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 record of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 card or prepaid card

About 10 years ago, I had a XXXX credit card through Capitol One Bank. Due to their poor business practices, I closed the account. Last month, I received a statement on this account ( using my old name and including my ex-husband asa user ). This was a shock, since I had closed the account years ago and had not received anything from Capitol One since then. I was very upset and contacted Capitol One, demanding to know why they reactiva ed this closed account. The insisted that I never closed it, but I am sure that I did due to the circumstances at that time. Furthermore, if the account was active I would have received some correspondence from them during the last decade. After a few minutes of arguing with the customer service rep, I insisted that it be closed, again. Again, I received a letter saying the account was closed, yet this month I received another statement from Capitol One. This is outrageous, that they would reactivate this closed account and even after I called to close it again continue to send statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}. Please remove.
Product: Credit reporting or other personal consumer reports

There are inquires on my credit report that are unathorized and may be fraud related. Please delete them, as I did not give any of these companies permission to pull my report nor did I give XXXX, XXXX or Equifax permission to report these. 

You are not permitted under law to provide or publish my information without my consent 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've also filed a FTC Identity theft report, to report this behavior to the proper authorities.

12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

List of unauthorized hard inquires : XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry date XX/XX/20XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXXXXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/2023 Thank you,
Product: Student loan

XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) fail to correctly process in-school deferment. 
XX/XX/XXXX - In-school deferment requested/school enrollment verification sent. In proper date of deferment was applied and request to amend have not be answered. Email ( s ) list deferment until XX/XX/XXXX which is different than date from the university listing anticipated graduation XX/XX/XXXX.

XX/XX/XXXX - Invoice statement from XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX sent within the grace period/in-school deferment. Invoice reflects incorrect deferment date ( XX/XX/XXXX ). Letter disputed XXXX deferment date and requested a copy of complete loans records and/or documents XX/XX/XXXX - Email from XXXX is a billing statement, which I am unable to open or log into account. Additionally, I have requested XXXX on ( XX/XX/XXXX and XX/XX/XXXX ) to cease and desist sending erroneous emails/communications.
Product: Debt collection

I am receiving phone calls demanding payment of a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A DISPUTE TO XXXX, EQUIFAX, AND XXXX TO DISCLOSE THEIR METHOD OF VERIFICATION. IT CAME BACK VERIFIED BY XXXX XXXX. I CONTACTED XXXX XXXX DIRECTLY AND THEY SAID THE INFORMATION WAS verified BY THE COURTHOUSE. I CONTACTED THE COURT DIRECTLY AND THEY SAID THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. WITH THAT BEING SAID THIS INFORMATION IS unverifiable AND NEEDS TO BE DELETED IMMEDIATELY.
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 XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 XXXX 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: Debt collection

I C SYSTEM Last reported XX/XX/2019 {$790.00} Open balance XXXX XXXX  XXXX
Product: Checking or savings account

I opened a personal checking account with Bank of America. I had a wire transfer deposit of {$6300.00} go into this account the following week. Bank of America froze those funds to offset a debt owed by my company which is an XXXX and has an EIN number. Bank of America states that I signed a contract giving them this permission when I opened the bank account. This was a deceptive practice by Bank of America. I went in to open a personal checking account and it was never disclosed to me that I was giving them this permission. The banker had me sign electronically and he never mentioned this. This debt is over 4 years old. This debt is owned by another entity, the XXXX, not me. I went to the branch in person to resolve this and they were no help. The branch manager actually told me to get a lawyer. I also called Bank of America and they said I signed giving them this right when I opened the account and refused my request to have the money returned to me. I absolutely did not give them permission to do this and feel Bank of America used deceptive practices here. They left me with {$100.00} in my account to pay a debt owed by the XXXX and as far as I am concerned they stole {$6200.00} out of my account. I am requesting a full refund of all funds unlawfully garnished by Bank of America.