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

Despite the multiple previous written requests, the unverified items listed below still remains 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 ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a letter today XX/XX/XXXX at my new address from my old address, the letter was from Bank of America stating I have a new account that was opened on XX/XX/XXXX. I have contacted BOA by phone for the branches are closed at this time ( after XXXX ). A rep did assist by temporarily freezing the account. the account was opened on XX/XX/XXXX. The letter states it is a XXXX XXXX account. No money deposited as far as I can tell by the letter. 

I need to know how they were able to open the account under my old name and old address with my credit report locked.
Product: Debt collection

Exeter Finance ( account # XXXX ) has called me a total of XXXX times during the month of XX/XX/year> after they told me they do not refinance their auto loans. Specifically, there were XXXX weeks in XX/XX/year> where I have received XXXX calls in just the past 7 days. 

This level of contact is intrusive and has caused me significant distress. I believe these actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically Regulation F, which limits debt XXXX from calling a consumer about a particular debt more than XXXX times within a seven-day period. This regulation, often referred to as the " XXXX in XXXX '' rule, is designed to protect consumers from undue harassment by creditors and debt collectors. 

I kindly request that the CFPB investigate Exeter Finances practices to ensure they are compliant with federal regulations. I have provided detailed call logs to support my complaint and can request additional call logs from previous months if needed.
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.
Product: Student loan

Ive been receiving calls from. Robot for 4 years now. Sometimes 4-5 times a day. Stating that they can help me with my student loan. I dont have a student loan!! I paid it off in full, cash over 4 years ago!!! I ask people to stop calling me and to take me off their mailing list bc I DONT HAVE a STUDENT LOANS ( of its a human ). Most of the time it is recordings or Robots calling. I block them each time but they just call back and few hours later from a diff number. I cant even pick up unknown numbers anymore and that affects my business. 

It is a Crime if they call me ever again after I tell them to stop once. My Mother keeps telling me to call my Atty Ge earl and report them.
Product: Debt collection

The company keeps emailing me about contacting them about a debt that is unknown to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX for incorrect reporting to all three major credit bureaus XXXX, XXXX, and Equifax. Despite numerous attempts and communications with XXXX XXXX to address and correct the inaccurate data reflected on my credit report, the issue persists unresolved. 

The inaccurate reporting by XXXX XXXX has significantly and negatively impacted my credit score and financial standing. The failure of XXXX XXXX to correct the erroneous information is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under the provisions set forth in XXXX Code 1667, which mandates the accurate reporting of consumer credit information and provides consumers with the right to have incorrect information corrected in a timely manner. 

Here are the key points of contention : 1. Incorrect account status : XXXX XXXX has reported my account as charged off, late, included in Bankruptcy, and Unrated which is inaccurate. 
2. Failure to update information : Despite providing evidence and numerous communications with XXXX XXXX to correct this data, there has been no adequate response or action taken on their part to amend the inaccuracies.
Product: Credit card or prepaid card

My dol sent me XXXX in benefits to KeyBank they mailed my sister house. She lied stole card sent to my parents in Tennessee who active and set pin and stole all money. I have all proof then I file dispute KeyBank took full responsibility said they forgot cancel the card they knew was stolen and send final credits 2-3 different times to the same card that was reported stolen 3 months earlier you sent final credits 3 times to the card u knew they had. I went all way downTN filee police report I lost my apartment due to this and was XXXX  then finally they promised they would fix it sent me a .card with nothing on it and now saying they gavee.the final credits. Already I gave them all information they asked for now they're trying blame NY DOL saying their not responsible for getting me my credit they promised. Negligence on their part allowed my parents to steal XXXX dollars from the bank or dol bc they never. Cancel card and admit it was their fault. This has caused me so much heartache and trauma
Product: Student loan

I called Mohela to see what my payment count is. They told me that they don't have that information but my loans were discharged. I just want to know if it is above XXXX and if a refund is due.
Product: Debt collection

CACH LLC sent me a letter today ( XX/XX/XXXX ) stating that they are going to garnish wages of mine from a bill that originated in XXXX. In the letter, which was not sent certified, I am told that XXXX XXXX from the company wants to garnish my wages for a medical bill that is nearly 13 years old. 
The letter has a date stamp of XX/XX/XXXX, yet the postmark shown on the envelope shows the letter was mailed to me on XX/XX/XXXX. 
There is no information showing what this bill is for ( although I  was in a XXXX XXXX in XX/XX/XXXX, so I can only deduce that this is what this collection is about ). All of my medical bills from the XXXX XXXX  were on my credit report for 7 years and after the seven years, the credit reports that were printed off showed that the judgement from this company had been written off. Now I am getting notice of a wage garnishment. 
I will be including copies of the information that CACH sent to me. Allegedly, the date of judgement was on XX/XX/XXXX. Since that time, the judgement does not show on any of my records. Initially there was a judgement on my record but it was removed after the statutes of limitations had expired. It had been listed as written off and was removed from my record. 
Nothing on my credit report shows a new judgement. 
You will note that the creditors claim shows that the date of the judgement was on XX/XX/XXXX ( which is not accurate if you view my personal records ) and says : Unpaid balance on judgement : {$3900.00} Unpaid post judgement interest : {$3400.00} Total amount owe3d by debtor : {$7400.00} This is rediculous. The judgement had already been written off, I am on state aid and when I found out that this judgement was written off, I didnt expect it to haunt me nearly 10 years later. 
The papers I got were not formally sent to me requesting a signature, nor have I been contacted by this company in years. I will be providing all of the information in the hopes that this will get resolved. If a company writes off a debt and a judgement is realeased and removed, there is no way that this should continue to follow me, and now they are trying to seek wage garnishment.
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  XXXX # XXXX, Account name : XXXX - XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX # xxxxxx XXXX, Account XXXX XXXX XXXX # XXXX XXXX Account XXXX XXXX XXXXL # XXXX, Account XXXX XXXX XXXX XXXX # XXXX has violated my rights 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 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: Mortgage

XX/XX/2019 My XXXX XXXX XXXX mother wanted to refinance her mortgage to get a lower interest rate and to take equity from the house for home repairs. She contacted Carrington Mortgage, the holder of her mortgage. I offered to be a co-signer for my mother. When the mortgage specialist, XXXX, contacted me I told him I was only signing as a co-signer. I explained that the house belongs to my mother. He had access to that information as well. I do not appear on my mothers mortgage anywhere. This mortgage specialist said he understood. Carrington then ran a hard credit inquiry on both my mother and myself. they then sent all documents to us with my name appearing as primary on the re-financing with my XXXX XXXX XXXX mother showing as a co-signer. He hinted at my mothers age. I told him I was not the one taking out the loan nor was I the owner of the house and that he had to have the documents re-done to reflect my XXXX XXXX XXXX mother as the primary and me as a co-signer on the refinancing for her home. 
Carrington then ran another hard inquiry on our credit on XX/XX/2019 and sent a second set of documents for us to sign. Again my name appeared as the primary on the loan for the second set of documents at which point I told " XXXX '' to forget it. I told him that what he was doing was illegal. He did not want to have my mother as primary on her loan because of her age. He was treating her as if she did not understand things and decided to speak with me instead of my mother. On several occasions I had to tell " XXXX '' that he had to deal with my mother for details pertaining to her home. The two hard inquiries to our credit reduced our credit scores. Carrington laims that I had a new card or something on my credit and that is why they ran it again. they would not have known of the new credit had they not done a second hard inquiry. they also had not reason to do a hard inquiry within 30 days of the first inquiry. What Carrington did was discriminate against my XXXX XXXX XXXX mother because of her age. they had no reason not to grant my mother the refinancing so they get pushing documents at us with my name as the primary in hopes that we did not notice. We told Carrington to forget the refinancing and told them to remove the second inquiry from our creidt scores. to date they have not. We were unable to apply for another loan to refinance the house because the two hard credit inquiries lowered our credit scores. Carrington made sure that since we were not going to use them because of their underhanded discrimination tactics that we would not be able to secure the low interest rate we were seeking and were entitled to from any other lender because our credit score had now dropped.
Product: Money transfer, virtual currency, or money service

I was using Zelle to be paid for a couch I was selling on XXXX XXXX. I requested {$400.00} and I received a text notification from a fake Zelle account ( XXXX ) telling me that since the sender had a business account the sender needed to send me a total of {$700.00}. The buyer of my couch ( the sender ) said they sent me {$700.00} and that I needed to refund him {$300.00}. I did so. I received another message from the fake Zelle account that I needed to resubmit the refund. I did so. The fake Zelle account then requested {$1500.00} sent to an " agent '' so they could " verify me ''. At that point I called XXXX XXXX XXXXXXXX and asked them to hold the funds. They told me they could not but they filed a claim for both {$300.00} charges. They were not optimistic that they could get it back.
Product: Mortgage

We mailed a personal check XXXX ( C/O PHH Mortgage Services ) to payoff mortgage. They acknowledged the receipt of the check on XX/XX/XXXX. But they still haven't deposited the check and posted it to my account. In the meantime I have been paying daily interest of {$7.00} totaling over {$150.00} already as of XX/XX/2020. They wouldn't even give me a date when they will settle the account.
Product: Money transfer, virtual currency, or money service

I was fraudulently sent emails from a clients email address with fraudulent wire transfer information. The transfer originated at XXXX Bank and was wired to PNC/National City Bank in XXXX OHIO to the criminals account. XXXX attempted to retrieve the funds but PNC said the recipient refused to refund the stolen money and would not provide any further information about their client. I notified local law enforcement, the FBI and PNC in XXXX. I have since saw online that the scammer is continuing to use the same account at the same bank under the same name to steal from other consumers. The bank should be held accountable for my loss and others as a direct result of the bank permitting and harboring criminal activity.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been steadily waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : PORTFOLIO RECOV ASSOC - XXXX Balance {$4700.00} ; PORTFOLIO RECOV ASSOC - XXXX Balance {$1000.00} ; PORTFOLIO RECOV ASSOC - XXXX Balance {$1300.00}
Product: Debt collection

Company has been calling my personal phone repeatedly causing me mental stress. I have changed my phone number a few times but now im fed up due to the fact that this company has been calling multiple times every day. I also have an account that is too old but this company closed the account and reopened it so it would look like the account is still young.
Product: Credit card

Called Apple credit card company ( XXXX ) XXXX on XX/XX/XXXX because I saw theres an estimating charge of XXXX $ showing on my account and it does not change or show different amount if I change payment amount. Got confirmation with there phone operator that amount is not reflected my current account. And I asked her how much more payment I will need to pay to avoid that interest charge and answer is {$0.00}. 
I checked today it was still charged that amount and I tried to explain to the customer service there not help. The check agent was beyond rude and unprofessional. All they offered was wave {$25.00} and no explanation. This is totally fraud XXXX cant believe such a big company would do this and how many people are getting scammed.
Product: Bank account or service

After receiving several threatening phone calls from XXXX, I gave them bank information via email. They proceeded to collect on a debt which was previously paid. When I contacted the banks ( XXXX XXXX XXXX and CitiBank ), I provided the previous payment information, including a forgiveness of debt statement from the IRS. I let the banks know I was being called and threatened with arrest even though the bill was in dispute. Based on my email, those banks paid the collection agency. Now they are harassing me on the phone, they know I am XXXX and lost my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax I have been turned down for a credit due to misreporting information, I have found inaccuracies still that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I want you to correct this misinformation on my file XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called the credit bureaus, sent certified letters, fax, uploaded documents to no avail. I've been a victim of identity theft. I apply for a small line of credit and was denied, i received my report and noticed several inaccurate accounts, names that aren't mine, and accounts that flat our weren't mine either. I took the proper steps to secure my info, froze accounts to my reports as well as adding a fraud alert. I do recall being informed my XXXX  that my license, ssn, and a credit card that i had on file for one of their credit monitoring products that i has years ago had been compromised. Then i also remember that i was on of the millions of South Carolina residents that were affected by the SC Tax breach in 2012, needless to say my info was probably all over the place. Knowing all this i contacted each CRA for an investigation, i was usually on the phone with a representative from an outsourced location in XXXX or the XXXX, which i dont understand why, when i live in the USA, and i know other countries have access to my information as well. The CRA 's haven't responded with anything related to a proper investigation, what i have received was computer generated letters saying that the alleged accounts have been verified.
Product: Credit reporting or other personal consumer reports

Chase Bank closed my bank accounts, which were set up for auto-pay on my two Chase credit cards, resulting in a late payment ( s ) which are not reflecting on my credit report.

I reached out to Chase, and they acknowledged the issue, reversing both the late fee and the payment. As a loyal Chase customer since 2016, Ive never missed a payment.

However, the credit reporting department is refusing to remove the late payment from my accounts. I provided proof that customer service reversed the late payments, but the credit department still isnt reporting fairly, especially since the accounts are closed. If the late payments and fees have been reversed, there should be no late payment reported on my credit file.
Product: Credit card or prepaid card

HJR 192 72 10 USC 15 SEC. 1681 The government is responsible for all debts and I am the original creditor, therefore I give value not receive it. The living entities fund the corpus ( dead ) paper entities. This is direct injury to me as the living, and I can seek damages and recourse through various remedies and redress.