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

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX Account # 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: Vehicle loan or lease

Purchase contract started on XX/XX/XXXX. The term was for 72 months. As of XX/XX/XXXX I am being told that the balance is {$10000.00}. Which means in 6 years Global lending have only credit to my account appx {$5000.00}. The Purchase price was only XXXX and I put XXXX down so the finance portion should not have been over XXXX. I have paid my note on time every month and they are still charging me late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Request for Removal of Incorrect Derogatory Mark on Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Bureau, I am writing to formally dispute an incorrect derogatory mark that appears on my credit report. The mark in question is related to an alleged debt with XXXX XXXX XXXX for termination fees from ending a lease early. This information is inaccurate and I respectfully request its removal from my credit report immediately. 

Please find my identifying information below : Full Name : XXXX XXXX Last 4 of my Social Security Number : XXXX XXXX File Number : ( XXXX # XXXX ) Details of the Disputed Item : XXXX XXXX XXXX {$2900.00} Name of Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Reported : XXXX XXXX, XXXX Explanation : In XX/XX/XXXX, I vacated my rental unit at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX with the permission of the leasing manager. I was provided with a written vacate letter, a copy of which is attached. The leasing manager informed me that she would consult with the corporate office regarding the waiver of any termination fees. I vacated the property in good faith based on this communication. The unit was re-rented immediately after I vacated, indicating that the property did not incur losses due to early termination. 

Despite this, the management company reported termination fees to the credit bureaus, which is both erroneous and damaging to my credit.
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. 

List of Unauthorized Inquiries : 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 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

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX - XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists.

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 


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

I have an FHA loan with Freedom Mortgage. Around XX/XX/XXXX the bank gave me a forbearance status based on the CARE act. Today I decided to apply for a personal loan, and I was told that I couldnt receive a loan cause I was in forbearance. I thought that the banks would not be reporting on this forbearance status to the credit reports.
Product: Debt collection

I never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete this account from my report.
Product: Mortgage

Freedom Mortgage acquired my loan, which was originally held with XXXX. While my loan was held with XXXX ( from the start ) I had automatic withdrawal set up on my account. My payment history was impeccable being that the payments were on auto withdrawal. Unfortunately, when the acquisition of my loan took place ( from XXXX to Freedom ) XXXX cancelled my automatic withdrawal. This cancellation caused my loan payments to default. 

Details I had no idea the acquisition of my loan took place, and I also had absolutely no idea the automatic payments were cancelled. Up until XX/XX/XXXX I was operating under the impression everything on my loan was the same as it had always been. I ONLY became aware my loan was in default because I received an alert from XXXX credit bureau stating my score had dropped over 120 points ( based on missed payments from this loan ). Upon receiving the alert from XXXX I called the number provided on the credit bureau, which is when, I became aware XXXX no longer held my loan. Once getting in contact with Freedom Mortgage I was able to sort things out. I immediately paid the outstanding balance, and brought the account current. 

Some facts regarding the failed communication need to be put in consideration. I moved out of the property XX/XX/XXXX. Upon moving I had a savings account ( outside of my other personal and business accounts ) set up for this payment. At that time everything on my account was as it should have been excellent payment history, auto withdrawal was in place etc. The fact I had a separate account for this loan is the reason I didnt notice the payments had stopped. Furthermore, due to the fact I no longer lived at the property I never once received a letter or call relating the loan acquisition/cancellation of my autowithdrawl for payment. See attachment for communication notes your representative provided me. Per the notes in the attachment youll see mail was listed as returned to sender and there was no contact made via phone- they had multiple wrong numbers and called them multiple times. Again, had there been any communication this wouldnt have happened. Ive also attached my credit report to highlight the negative reporting that needs to be removed. This horrendous scenario is product of failed communication due to a business acquisition ( Freedom Mortgage and XXXX ) I had nothing to do with. My credit was XXXX prior to this incident, and now Im facing potential business hardships with the drop in my credit.
Product: Credit reporting

Just wanted to follow up on your responds from earlier today. You said You would contact the creditor about the accounts that I 'm asking for documents on Their is no need for you to do That. Umm I 'm asking you! Your company to send me those documents the law states that you the reporting agency should have those documents in your possession at all times and when the consumer asked for them you have 30 days to supply that info. 
XXXX XXXX XXXX closed account and XXXX closed And all credit inquires that does not match any credit in my file I been battle this for 3 Months now please do this as quickly as Possible Thanks also Still willing to drop all Dispute with CFPB If you are willing to settle and have the items removed or send me the original documents
Product: Debt collection

Notified that this debt after it was placed on my credit report ; reached out to collection agency to dispute the debt. I asked them to send verification of the debt and they haven't. I also mentioned that my identity was stolen and that I have notified the police and I have a police report number which is below. 

This account does not belong to me. It should be removed. 

Police Report Number - XXXX ( XXXX XXXX XXXXXXXX NC )
Product: Checking or savings account

On XX/XX/XXXX, my husband and I went to a Citi branch to deposit XXXX checks we had received from the sale of our home. Both checks had clear issuer and title and reason. A new savings account was recommended by the executive and checks were deposited without issues/warnings. 
The next day, we wanted to take money out to pay our moving company and found out all our accounts were blocked. We immediately called customer service and advise it was on hold for 24-48 hrs. Two days later still the same. Third day we went to a citi branch to see if an actual person could solve this, we went with all proof needed and nothing was done, they also had to call fraud dept. XXXX spoke to two different people, one advised the accounts were close and the other said they still were validating checks. Nothing has been done and our money is nowhere to be seen.
Product: Debt collection

Twice I have been contacted by debt collectors on behalf of XXXX at my place of employment. To my knowledge, I never gave XXXX my work phone number nor did I authorize them to contact me at work. When this happened the first time ( XX/XX/2016 ), I called XXXX Customer Service and requested they not contact me at work anymore. I was told verbally by a representative that they would not contact me there anymore. I also subsequently canceled my Internet and Cable service with them due to my displeasure of them resorting to these tactics to collect money I owed them in addition to them repeatedly disconnecting my services for payments not made mere days after they were due. 

On XXXX XXXX, 2016, I was once again contacted at my place of employment by a debt collector seeking payment for my remaining balance to XXXX. I expressed my displeasure to the creditor and she said " I have several complaints like this ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and again on XXXX XXXX, 2020. It is now XX/XX/2020 and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Debt collection

Company filed a wage garnishment through XXXX XXXX ( Nebraska ) in XX/XX/XXXX. The garnishment was paid put of my pay check between XX/XX/XXXX and XX/XX/XXXX. Company is still sending letters calling daily some times XXXX a day. I contacted Company and told them several times this was paid with wage garnishment. Will not listen and trying to threaten me with another wage garnishment for something that was already paid. They refuse to look in their records or do any research and claim its my responsibility to correct their lost paperwork.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. So please UPDATE and CORRECT the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Class action law suite will be filed against XXXX and Equifax and XXXX if they do not correct false credit reporting XXXX was sued for this they know it's a voilation The corts say you can not report a balnce on a cancled debt there is no more balance to report when you cancle a debt Reporting a debt with a balnce owed that has been canceled is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). case law has proven this XXXX is still reporting a canceled debt as a collection and pass due amount A federal court has ruled that such conduct is potentially prohibited. In XXXX XXXX XXXX XXXX XXXX, the Court held that consumers may bring claims under the Fair Credit Reporting Act if creditors continue to report debts on credit reports after filing a Form 1099-C In XXXX XXXX XXXX XXXX, XXXX, 2017 XXXX XXXX, at XXXX ( XXXX, 2017 ), XXXX XXXX allowed an FCRA claim past the pleading stage based on the argument that reporting a debt that was cancelled by issuance of a 1099-C rendered the reporting inaccurate. 15 U.S.C. 1681s-2 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Plaintiff, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX XXXX XXXX, XXXX, 2017 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). Plaintiff alleges that XXXX canceled Plaintiff 's debt, and thus, XXXX 's continued reporting of Plaintiff 's outstanding debt to the CRAs is inaccurate.
Product: Bank account or service

I was charged a {$50.00} overdraft fee in XXXX of my checking accounts by Fifth Third. I feel that {$50.00} is an egregious amount. Furthermore, I have XXXX other checking account, a savings account, and an equity line of credit that all could have been used to cover the funds. I just do n't understand why they ca n't take the funds from other accounts that have thousands of dollars in them. Yes, I did accidentally write check and forget to do an internal transfer from savings to checking but I feel like there should be an automatic linking of accounts. According to the paperwork when I received the debit cards for the checking account the accounts are linked to my savings. I may have misunderstood the linking of accounts but {$50.00} is ridiculous especially when I have plenty of money sitting in other accounts to cover the check that was written. I also have XXXX mortgages with Fifth Third.
Product: Prepaid card

I have added money to my Rush Card today and have not been able to access it. I spoke with a rep and was told that she was unaware of when my funds would be available for me to use, now my family of XXXX will be without a phones and have to pay reconnection fees to get them turned back on. This is very unacceptable being that i have a set income and do not have the money to pay them. I will no longer use this company after i receive my funds.
Product: Credit reporting or other personal consumer reports

Response to Companys Reply - CFPB Complaint XXXX To Whom It May Concern, I am writing in response to the company 's reply to my complaint dated XX/XX/year>, regarding the XXXX account XXXX in XXXX. While XXXX has stated that they conducted an investigation and verified the accuracy of the information furnished to the consumer reporting agencies, I am seeking further clarification on the specific steps taken during their investigation. 

As per the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau Regulation V, I request that XXXX provide a detailed account of the following : Verification Process : The exact steps XXXX took to verify the information provided by XXXX  XXXX, including any documentation reviewed and any communication with XXXX  XXXX. 
Any specific methodologies or criteria used to determine the accuracy of the information. 
Documentation : Copies of all documentation received from XXXX XXXX at the time of purchase, as well as any additional documents used in the investigation process. 
A detailed explanation of how these documents support the validity of the debt and the accuracy of the information reported to the consumer reporting agencies. 
Dispute Handling : A detailed explanation of the process followed by XXXX upon receiving my dispute, including any internal guidelines or procedures adhered to during the investigation. 
The name and contact information of the individual ( XXXX ) responsible for conducting the investigation. 
Compliance with Laws : Evidence of PRAs compliance with the Fair Credit Reporting Act ( as amended ), Consumer Financial Protection Bureau Regulation V, and any applicable state and local laws.

Documentation or records showing that XXXX  notified the consumer reporting agencies about the dispute and the results of the investigation.

The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) mandates that furnishers of information to consumer reporting agencies must conduct a reasonable investigation of disputes. To ensure the integrity of this process, I request detailed evidence and documentation of the procedures and findings related to my case. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information. This will help ensure that all relevant data is thoroughly reviewed and that the resolution process adheres to applicable legal standards. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX believes that I should have been notice from XXXX XXXX XXXX XXXX that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to XXXX XXXX XXXX XXXX XXXX If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request XXXX and Experian to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT XXXX HAS WITH EACH CREDIT REPORTING AGENCY!
Product: Credit reporting or other personal consumer reports

XXXX, experian, and XXXX are all allowing these companies to affect my credit report without my consent and have never allowed me to opt out, documentation provided.
Product: Credit reporting or other personal consumer reports

Around the third week of XXXX I sent a personal information update letter to XXXX Equifax and XXXX, after which I did not receive any response to. I then sent the second letter on XX/XX/year> ( see attachment ) and since then I have yet to receive any responses from neither XXXX Equifax nor XXXX. Now here we are almost seven weeks after the first letter sent still no response, I decided to contact the Consumer Financial Protection Bureau ( CFPB ) and I demand that they make the corrections to my credit report by removing all non-mailable addresses. After reading the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies, and I am the consumer. So be responsible, fair, and impartial and make sure my non-public personal information is accurate. Also, the current address, please DO NOT omit the suite number, update the FULL ADDRESS. 

Thanks
Product: Credit reporting or other personal consumer reports

The following account is reporting inconsistent and inaccurate information on my credit reports and is violating my federally protected rights under the fair credit reporting act states the furnisher shall report 100percent accuracy Westlake XXXX acount # XXXX is reporting inconsistent information to all 3 credit agencies XXXX XXXX and XXXX I demand them to delete this account immediately.
Product: Debt collection

A joint best buy account in 2009 was closed and charged off. It currently says open and in collections. This debt was settled.