23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

After the divorce the car was assigned to me in the final decision. The car had only my ex husbands name on the loan and title. To take ownership of the car I had to first refinance the car to be added as a co-owner and then again to become a sole owner. On XX/XX/year> the loan was refinanced to add my name to it as a co-borrower. Then I was told to got to the tax collectors office to add my name to the title. The tax collector refused as it is required by the lien holder to update to ownership of the car. After going back to the bank they said they can not help with this process anymore. It is not possible to refinance the car into my own name only without first being added to the title as a co-owner. This whole process has been going on for a while now and at this point I have went to three different branches to get this resolved.
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 XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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: Debt collection

i have contacted this company and sent them letters with all of the required information to prove that this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contaced by text message to my cell phone with the following unsolicited message from XXXX : You Have Been Approved For Forgiveness Of Your Federal Student Loans But Your Application Is Incomplete. Please Call Our Office At : XXXX To Complete Enrollment.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against experian and XXXX regarding fraudulent and inaccurate account reported on my credit file i contacted the company and the bureaus and asked questions and requested contracts and documents to know at least what this account is and to know who opened it. This account was opened without my knowledge or consent, and they are in a lot of violations and inaccurate and constituting identity theft and violations of federal and state laws. I am requesting immediate enforcement action under the authority of the Consumer Financial Protection Bureau ( CFPB ) to have these accounts removed, blocked, and properly investigated. 

Violations of Federal Laws : Failure to Notify ( 15 U.S.C. 1692g ) : Creditors are required to provide written notification of debts within five days of reporting. No such notification was provided, rendering these accounts illegitimate.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : Credit bureaus are mandated to ensure maximum accuracy in reporting. Discrepancies in balances, credit limits, open dates, and payment histories indicate violations.

Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Credit bureaus must complete investigations within 30 days. My disputes remain unresolved beyond this timeframe. 

Failure to Reinvestigate ( FCRA 611 ( a ) ( 6 ) ) : Credit bureaus must reinvestigate disputes upon request. My requests were inadequately addressed.

Failure to Protect Personal Information ( 15 U.S.C. 6801-6809 ) : Under the Gramm-Leach-Bliley Act, financial institutions and credit bureaus must safeguard consumer data. A breach in security has evidently occurred.

Identity Theft Protections Violated ( 18 U.S.C. 1028 ) : Fraudulent accounts violate federal protections against identity theft under the Identity Theft and Assumption Deterrence Act.

Failure to Provide Resources ( 15 U.S.C. 1681g ( e ) ) : Credit bureaus must provide victims of identity theft with resources, fraud alerts, and support, which were not offered.

State Law Violations ( Florida Statutes ) : Fraudulent accounts violate Floridas identity theft protections. 

Fraudulent Account Details : XXXX XXXX Account Number : XXXX Issue : Fraudulent and unauthorized account with discrepancies in payment status, open dates, and reporting across credit bureaus. Notification was not provided.

Laws Violated : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

You have used my consumer report without a permissible purpse, I am hereby requesting the document, that gave you permissible purpose to pull my consumer report. Per 15 USC 1681 ( b ) ( 2 ) under the new guidelines and the advisory opinion of the CFPB, disclaimers will not cure a failure to have a reason to believe that a user has permissible purpose for a consumer report provided pursuant to FCRA Section 604 ( a ) ( 3 ) You shall provide me with that document that you have permission, from me, to pull my consumer report. If you do not possess this document, or can not provide me this document, by this permissible document, you will be held person 15 USC 1681 ( n ) ( o ) under civil liability for pulling my consumer report under false pretenses knowingly without a permissible purpose for which the penalty is a XXXX dollars. 

FCRA Section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Payday loan, title loan, or personal loan

I originally attempted to change my due date upon recieving funds from this company. You can never get thru to a specific branch. I made a payment XXXX and funds were not attempted to be removed until the XXXX. Per my online bank payment was declined was not enough funds to cover it in my spending account. I moved money over from my savings to my checking immediately. I called the branch located closest to me talk to someone the gentleman confirmed there was not a decline of funds on their end. I asked would system try to recoup payment a XXXX time and he wasnt sure but didnt think so. Me scared of getting a past due fee and owing money for return fee I made a XXXX payment. I went in office logged into my password protected bank website showing both payments. I was later called asked for a statement. I was not able to give it because statements are drafted end of the month. They claimed they would work with me but they needed something with my name and the transactions. I spend money on things like normal people so I used my search bar to ensure transaction history showed the 3 payments I made thus far and even showing the day the funds were deposited. Since its the transaction history when I use the scroll bar to show other transactions it was not going to show my name. I am upset because its near XXXX and I said from day XXXX change the due date so its not so close to the first check of the month. These people are holding my funds if I get the statement in XXXX for XXXX the payment due the XXXX that will defeat the purpose of asking for it back.
Product: Debt collection

I received a notice that a lien was filed on my condo by an attorney for {$1000.00} from the hoa. I sent the dispute letter and all my receipts for payments and asked them for a validation, they kept sending me the same letter and she emailed me and said THEY DONT OWE ME AN EXPLANATION OF CHARGES. IF I WANT TO KNOW THEN I NEED TO HIRE AN ACCOUNTANT TO EXPLAIN OT TO ME. SHE SAID THAT SINCE I FILED BANKRUPTCY AND I DIDNT HAVE TO PAY {$10000.00} TO THE ASSOCIATION THAT THEY FILED A LIEN WITH ADVISE FROM COUNSEL. I had made payments between the time the lien was filed and the time I received the letter that paid my account in full. And they refused to tell me what I was charged for and why. She blocked me from her email and told the board and the management company not to speak to me. They should have released the lien and if they would have shown me that I was charged for something I could have hoard it and been done with it. They eventually had to give a detail of the attorney charged for the judge and they charged me for reading the 2 dispute letters and wrong amounts for retuned check and they credited my account the {$720.00} that they already had but said they didnt and I had repaid it so I was really 4 payments ahead but they filed bankruptcy on my condo and that was a lien that shoud have been released.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 RE : Method of Verification To whom it may Concern : I am requesting the Method of Verification for the following disputed account ( XXXX ) : XXXX XXXX XXXX Account Number : XXXX ( Partial Account Number ) XXXX XXXX Account Number : XXXX XXXX  + Account Number : XXXX XXXX + Account Number : XXXX XXXX XXXX  XXXX + Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  + Account Number : XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor and full account number ( s ).

2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Credit reporting agencies are not allowed to report items on my report without providing any verifiable proof in the accuracy of their reporting. This is grounds for removal of the inaccurate account on my report, they are also in violation of my rights under 15 USC 1681 : 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 an account without my written instructions.

I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion.

I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. 

I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

If you are unable to respond in a timely manner and provide the above items, please delete the account ( XXXX ) from my credit report to prevent further damage. 

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

Good day, I'm appealing for help to understand how it is possible that Credit Bureaus can report inaccurate information on Consumer Credit Reports. 
A Bankruptcy is reported in my Transunion Credit report and my XXXX Credit Report, and how is not reported in XXXX Credit Report? That mean Credit Bureaus report whatever they want, is not matter if is accurate or not. Also Bankruptcy Court don't share information with Credit Bureaus, having said that they should get the information from the same Furnisher.
Product: Debt collection

I received a call on XX/XX/XXXX stating I needed to contact the legal department at ( XXXX ) XXXX asap. After speaking with an associate he stated that a debt from XX/XX/XXXX with the company XXXX XXXX XXXXXXXX needed to be settled or court action would be taken. I paid an amount in XXXX $ in accordance to the payment plan which would settle my debt with XXXX XXXX XXXXXXXX according to the associate. XXXX XXXX was the name of the individual I conversed with.
Product: Debt collection

Received a collection letter on XX/XX/year>, responded on XX/XX/year> by sending back a disputing letter asking for supporting documents. I never heard back from them, however my credit report as of XX/XX/year> showed a collection from them regardless of my disputing response in writing. My credit report as of this day XX/XX/year> shows their collection.
Product: Credit card or prepaid card

I filed for chapter XXXX bankruptcy in XX/XX/2018. I also had my house burglarized during the same month - a police report was filed. Many items were stolen, and my credit card. Fraudulent charges were made on my card. The day before my discharge they told my attorney they are disputing the discharge. 
My attorney informed them the charges were fraudulent and to disregard them. We believed rightfully that to be the end of it. In XXXX I receive a notice of default judgment. THe credit card company and their attorneys fraudulently and under perjury claimed they served us notice of a lawsuit for which they did not. There was no process server, my attorney had no knowledge of it, and the county clerk said that they only have a sworn statement from their lawyer, now a criminal, that he properly served the notice of the lawsuit. 
Neither me nor my lawyer were given notice, and as such no chance to defend the allegation, or present the police report that would have easily cleared me of wrongdoing - especially since the credit card policy is no liability for fraudulent charges. 

Unfortunately, this blatant lie will cost me no less than {$1500.00} in attorneys fees to countersue and have the court date reset and judgment dismissed - which obviously if I just filed Ch XXXX I DO NOT HAVE. 

The attorney claimed he served notice via first class mail, which is not proper serving of A LAWSUIT. I have attached a letter that arrived -after- the lawsuit was finalized ( dated by the post office )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Mohela several times in the past few years to update my credit profile for 2 late payments across multiple balances. These late payments were reported inaccurately and they are refusing to update to current. It has adversely affected my credit and what they are doing is absolutely fraudulent. I have no other means of getting this resolved other than going through with this complaint to report them for bad practices. Ive sent letters and emails to their Executive Director, but nothing. It is criminal and a horrible practice with the things they are doing regarding student loans just to make people lives miserable because they wanted to get an education to better their lives.
Product: Credit reporting or other personal consumer reports

This demand for instant deletion is against the information furnished by Original creditor : LEGENDS AT LEGACY. It is a false debt, and Identity theft and should not be on my consumer report for serveral reasons. 

1. This is not/and never was a consumer credit transaction.

2. Legends At Legacy was an aprartment complex owned by my former employer XXXX XXXX XXXX, who I worked as a maintance employee for and had a special apartment rental agreement with were I live for free and have to claim my rent as discount which is standard in our industry. 
3. XXXX XXXX XXXX XXXX at XXXX  to another company durring my employment and I moved when the new company aquired It. 
4. The amount displayed Is actually my rental credit I had to claim on my XXXX taxes as my income for my XXXX XXXX.. 

XXXX XXXX added this Item to my Experian Consumer Report Friday XX/XX/year> after having to delete it from both XXXX and XXXX earlier in the day for the same reasons. They can not provided the contract that created this false debt because there isn't one, They can not provide information about how this was a credit/or rental transaction because it wasn't and my employee addemun is my lease aggreement and clear states all employees must accept housing benefits as XXXXcome and claim it as income on their taxes. These people found parts of my information somewhere and have created a whole narrative about a situation that they know nothing about, should never be invovled, and are completely wrong about. I've sent them all of my information showing that I was not a regular tenant, and my ledger as well as my 1099-a, and c forms, asking them to cease and desist and stop sharing my information because my employee agreement clearly states neither party will share any information. They have refused and are misrepresenting me and creating a version of me that doesn't exist to cause me harm and extortment me into paying them a debt that is actually my income. I'm including attaching my Identity theft report to this complaint. It is once againXXXX XXXX XXXX XXXX XXXX. Same address, same principal officers. Thank you.
Product: Debt collection

On XX/XX/XXXX I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with XXXX XXXX XXXX ( CCS COLLECTIONS ) on [ XX/XX/XXXX ] showing a balance of {$160.00}. XXXX XXXX XXXX ( CCS COLLECTIONS ) failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.
Product: Checking or savings account

For an extended period of times during a financial hardship I had been charged with overdraft fees from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$900.00} XXXXXXXX XXXX XXXX XXXX Balance {$8500.00}
Product: Mortgage

I am going through a divorce. I was awarded the home and need to re-fi. I inquired with my banker, Ba nk of America, w here I am a preferred rewards customer with all of my savings invested there. The issue involves their refusal to refund the appraisal fee of {$540.00}.      X/XX/17    : I locked i n a 30 y r. re-fi rate at 4 %. Began the application process.      XXXX  : BOA charged my credit card {$540.00} for upcoming appraisal.      XXXX  : BOA contacted me, asking about timeline on divorce separation agreement. I confirmed that I was giving my wife five months to find a new place, and I would temporarily vacate and live with friends.      XXXX  : Appraiser came in the morning. In the afternoon, BOA emailed and said they could no longer offer me the 4 % rate because of my timeline. They said I need to be in the premises 30 days after closing. They said they could still do the loan, but at 4.5 %. I said NO THANK YOU and PLEASE REFUND MY APPRAISAL FEE ( {$540.00} ) since BOA knew about my divorce timeline THE DAY BEFORE THE APPRAISER CAME.     I have escalated to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX L XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I've reached out to Equifax regarding suspected fraudulent accounts on my credit report with them. XXXX XXXX XXXX, being reported as charge off Profit and Loss. Which then will makes it income to me, therefore I sent a request to them for a 1099 -C tax form via certified mail over 30 days ago. No response. Credit Collection, I asked for the account to be validated ; no response. I attached a copy of my FTC identity theft report # XXXX to confirm with Equifax that a valid report has been filed. Which covers the two fraudulent accounts and 15 unauthorized hard inquiries Equifax is reporting on my credit account with them. The unauthorized inquiries are : 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 VIA DEALER XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.