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

I hope this letter finds you well. I am writing to inquire about my rights and the obligations of [ XXXX XXXX XXXX ] under the provisions of 15 USC 1681b, which pertains to the Fair Credit Reporting Act ( FCRA ). As a valued member of your credit union, I believe it is essential to ensure compliance with this federal statute to protect consumer rights and maintain the integrity of credit reporting practices.

According to 15 USC 1681b, credit reporting agencies, such as [ XXXX XXXX XXXX ], have specific responsibilities when handling consumers ' personal information. It is my understanding that this section of the FCRA outlines guidelines for the permissible purposes for obtaining consumer reports and sets restrictions on the sharing of such information. 

In light of this, I kindly request the following information from [ XXXX XXXX Name ] : Disclosure of Permissible Purposes : Please provide me with a comprehensive list of the permissible purposes for which [ XXXX XXXX XXXX ] obtains consumer reports, as outlined in XXXX XXXX XXXX. 

Consent and Authorization : I would like clarification on the procedures and requirements for obtaining consumer consent and authorization for accessing and using their credit information, as stipulated in 15 USC 1681b. 

Sharing of Consumer Information : Please outline the policies and procedures that [ XXXX XXXX XXXX ] has in place to ensure compliance with the restrictions on sharing consumer information with third parties, as mandated by 15 USC 1681b. 

Dispute Resolution : In the event of a dispute concerning the accuracy or completeness of information contained in my credit report, I would like to understand the process and channels available for filing a complaint or disputing any discrepancies, as required by 15 USC 1681b. 

I believe that by addressing these inquiries, [ XXXX XXXX XXXX ] will not only demonstrate its commitment to regulatory compliance but also reassure me and other consumers that their personal information is handled with the utmost care and in accordance with federal laws. 

I kindly request that you provide me with the requested information within 30 days of receiving this letter, as stipulated by the FCRA. If there are any costs associated with obtaining this information, please inform me in advance. 

I appreciate your attention to this matter and the valuable services that [ XXXX XXXX XXXX ] provides. Should you require any additional information or clarification, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Product: Mortgage

The situation with Guild Mortgage is getting worse. We have given the bank every document they have requested. Since XXXX I have lived in the property and have provided all documents required for a short sale. Nonetheless Guild Mortgage closed my file because they said that I do not live on the property because they have pictures showing so. This is a lie. In fact, I asked for the pictures to dispute them but I only received a couple which did not I indicate that I lived there. Further, I have submitted pictures of the property with my belongings in it. This is absurd they would halt my short sale and force me into foreclosure over a lie. I do reside in the property. 

I can't handle this situation anymore, I can't afford the mortgage and I'm living in the house. 
Help!
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, This letter is in response to your correspondence dated XX/XX/year>, regarding the disputed bankruptcy record associated with my file. While I appreciate your response and the outlined procedures, I assert that the information reported remains inaccurate and unverifiable for the following reasons : XXXX. Discrepancies Between XX/XX/XXXXRecords and LexisNexis Reports The information in your recordsspecifically the address XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX not align with the data in the XXXX report I obtained directly on XX/XX/year>. Moreover, there are significant discrepancies between your XXXX XXXX Report ( dated XX/XX/year> ) and the XXXX  data, which highlight inaccuracies and inconsistencies in your reporting. 

XXXX. Failure to Verify with Original Source Documentation Under the Fair Credit Reporting Act ( FCRA ), it is mandated that consumer reporting agencies validate disputed information using reliable and direct sources. Your response lacks evidence of verification from original creditor documentation or authoritative court records. This omission raises concerns about compliance with FCRA guidelines. 

XXXX. Insufficient Procedural Transparency I formally request a comprehensive explanation of the procedures used to validate this information, including : The names, addresses, and contact details of the sources consulted during your reinvestigation. 
The methodology used to confirm the accuracy of the reported data.
Product: Debt collection

I am writing to express extreme dissatisfaction regarding your failure to remove fraudulent accounts from my credit report. I demand the immediate deletion of these fraudulent accounts from my credit report. Despite previous complaints, discrepancies persist, specifically with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. A XXXX ACCOUNT # XXXX WAS OPENED FRAUDULENTLY AND XXXX DID AN INVESTIGATION COMING TO THE CONCLUSION THAT IT WAS INDEED FRAUD. THE LETTER IS ATTACHED TO VERIFY THIS AND DEMANDS IT TO BE DELETED FROM ALL CREDIT REPORTS. 

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, TRANSUNION HAS YET TO REMOVE THIS FROM MY CREDIT REPORT HINDERING ME FROM PURCHASING A HOME AFTER MAKING SEVERAL ATTEMPTS FOR THE LIKE 90 DAYS!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You have been stubborn with the requests to remove the negativities from the accounts that are reporting erroneous information on my Credit File and you have been neglecting your responsibilities with the Fair Credit Reporting Act. I am submitting this CFPB complaint once more to request to you to remove the disputed erroneous accounts corrected as soon as possible. Also, you have been failing to send me copies of proof of verification from your supposed investigation. Did you really conducted any investigation at all? Now, I am submitting this last and final CFPB complaint to request to you to correct the disputed accounts from my Credit File as soon as possible. Here is the list of accounts that you should have corrected at the begining XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

United Auto Credit co account number XXXX I dispute the validity of all claims in this complaint that the company didnt follow. 
account under account numbers are disputed. 
The vehicle in question Under the laws of Florida and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to.

I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The company are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I demand the company to delete this account from my credit report immediately.

In addition, if the company singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Furthermore, the company is hereby notified that at no point in time and under no circumstances are the company ; an employee of the company ; a representative for the company or affiliates are to contact me or any family members by any means other than the US mail system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I answered all the identifying questions. And then it denied me access, to Equifax AND XX/XX/XXXX. 
I had no trouble at all with XXXX XXXX. 
I think the other two have inaccurate answers to the questions they are asking of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XX/XX/2022.
Product: Debt collection

Avantes USA opened a claim on my credit report on XX/XX/XXXX ; whereas the original debt was XX/XX/XXXX. Per law you can not open a new claim on my credit report for an old debt as if it was new. 
XXXX XXXX did not notify me within 141 to 181 days from the first time I defaulted on my so call payment for which I never received a letter for nor my right to dispute the debt. Further by opening this new claim on my report Avantes USA acts as if this debt was contracted XX/XX/XXXX, thereby inaccurately reporting the " original time the debt was actually defaulted on ''. Keep in mind XXXX XXXX waited 6 years to turn my account to collection and did not report anything on my credit for that 6 years as well.
Product: Mortgage

XXXX has failed to provide a XXXX Mortgage XXXX XXXX for tax year XXXX. My mortgage servicer has been requesting it since the Spring of XXXX. They just do not respond. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a responsible reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causeing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

Hello, I have on my credit report of {$800.00} owed on XX/XX/2021 through XXXX XXXX. 

Sequium Assest Solution has this in collection. When I attempted to call ( XXXX ) XXXX they stated they had my information for a service in Florida. 
I told them it was not me, I didn't have an account nor did I co-sign for anyone with for this. 
They were not co-operative. I have tried to resolve through XXXX and nothing.
Product: Money transfer, virtual currency, or money service

See attached XXXX Police Report ( XXXX ) XXXX for Details of the Unauthorized Electronic Fund Transfer from my business checking account. The Bank of America Claim No. is XXXX-XXXX. The  Fraud Analyst has yet to talk with me or the XXXX detective in the case. They claimed they called but no message has been left on my cell phone to call back. I asked them to send all correspondence in writing they have failed to do so to date. I do not trust the internet for communications with Bank of America until this claim is processed and finalized.
Product: Credit card

Account Ending # XXXX Disputes ID # XXXX {$1000.00} Disputes ID # XXXX {$2800.00} Subject : Dispute of Merchant Response for Transactions XXXX a n d XXXX Dear Citibank Dispute Resolution Team, I hope this letter finds you well. I am writing to formally contest the merchant 's response regarding the disputes associated with the following transactions : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite the merchant 's assertion, I have not received any goods or services related to these transactions. Furthermore, I did not sign for any items, nor have I received any communication from the merchant confirming the delivery or fulfillment of my order. 

To support my case, I am enclosing a copy of the police report I filed, which clearly indicates that the merchant has failed to uphold their end of the agreement. This document serves as evidence of my claim and underscores my position that these transactions were not authorized as I did not receive the promised items. 

I kindly request that you review the evidence provided and reconsider the decision based on the merchant 's response. I believe that the facts clearly demonstrate that these charges are invalid and should be reversed. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 
Please feel free to contact me at XXXX or XXXX if you require any further information. 
S i n c e r e l y, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Mortgage

Hi, I am trying to get CitiMortgage to remove my property tax impounds. I believe law states if Loan To Value is less than 80 % it is not required. I chose to have impounds when I XXXX bought the home XXXX years ago. The value then and now ( even with California XXXX XXXX property tax assessor valuation ) is higher and at {$500000.00} +. My balance is {$370000.00} for an XXXX of approx. 75 %. They keep making up new rules each time I have called them. I 've tried about XXXX times in the last XXXX months and it 's always some different rule. Newest XXXX it is based on the value of the property or original loan balance XXXX {$390000.00}, I put 20 % down ) whichever is less, so it makes it 94 % ..??? I asked where was this disclosed on any of the documentation, she said it is not and an internal rule. I said I did n't agree to this and it was not informed nor in writing within any documentation of this loan. I feel they have taking advantage of consumers and they over estimated my impounds. It almost seems they want to keep this money for other illegal reasons, to keep their company liquid, because they are trying so hard with invalid reasons to keep this money. Based on California Impound information I read about as well as RESPA, I feel this is a possible class action lawsuit issue. Please advise. 
Thank you.
Product: Money transfer, virtual currency, or money service

I use cash app as a major part of my barber business I beeen accepting payments fine no problem but as of XX/XX/XXXX until present I have not be able to withdraw my funds or pay back the cash app loan the screen keep reading suspicious transactions I told them I was a barber and majority of my client pay me with the app all the. Company keep texting that there working to resolve my issue and it takes about 30 days we are way past that timeframe
Product: Credit reporting or other personal consumer reports

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the c

onsumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. 
Account : XXXX XXXX XXXX  Account Number : XXXX XXXX was already removed from my XXXX report because they failed to provide proof of this account being mine, but XXXX and Equifax are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. 

They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. XXXX, XXXX  and Experian continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to delete inaccurate information from my credit report a public Record, inquiries and a closed credit card account and they failed to do so I asked to send me information in regards to these accounts and they did not provide it to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted paperwork for Equifax to investigate some unfamiliar accounts on my credit report and they have failed to do so and/or notify me. The other bureaus have removed these accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX