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

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Delete Late Payments 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Delete Collections 15 U.S. Code 1692 ( g ) Delete Charge Offs 15 U.S. Code 1681 ( c ) 2 Best Regards, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX account # XXXX Some accounts have inconsistencies. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate I am not liable and refuse to pay this debt with National Grid XXXX I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. I have no contract with XXXX XXXX XXXX, provide me with a signed contract between XXXX XXXX XXXX and I, otherwise remove incorrect information.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Mortgage

Mortgage was sold from Waterstone Mortgage Corporation to XXXX XXXX effective date XXXX/XXXX/2015. I was notified today XXXX/XXXX/2015. XXXX 12-13 days, not the XXXX as required by law ) Called Waterstone customer service, they said it has n't been sold yet and I should n't have received anything stating it has.
Product: Mortgage

I am trying to refinance my mortgage through the Harp program. SLS ( HELOC ) will not agree to the subordination agreement unless I pay them approximately {$3000.00}. I 've asked a supervisor to me to explain and no one has returned my call. I called again and they still tell have n't return my call.
Product: Bank account or service

Good Morning CFPB, My wife and I used SunTrust Rewards to book hotels in XXXX XXXX, Nevada and XXXX XXXX, South Carolina on XXXX/XXXX/2016. The reservation for XXXX XXXX was excellent, and we even called back to have our room upgraded. The reservation for XXXX XXXX has been a total nightmare for us. We have spoke to the same supervisor twice concerning our reservation. She continually informs her customers that they are incorrect, because she listened to a recording between the technician on duty and XXXX XXXX XXXX. The supervisor never offered too allow us the opportunity to listen to the tape ; however ; she consistently informed the customers that we are wrong. I am simply asking that my reservation on XXXX/XXXX/2016 be modified from XXXX villas to XXXX villa with XXXX bedrooms. We have spent many hours trying to rectify this problem with XXXX and SunTrust. We have come to the conclusion that we will eat the additional {$520.00} for a villa that we do not need ; however, we will discontinue all services at SunTrust. We have been loyal customers for over 22 years, but we will be moving all services to XXXX XXXX if we can not resolve this issue with SunTrust Rewards. We spend thousands through SunTrust Rewards every month, and we are dissatisfied with the service that we received from SunTrust Rewards management. They made a correction to my XXXX XXXX trip ; however, no correction can be made to our XXXX XXXX trip. We are tired, and we deserve better. Bottom Line is We are totally dissatisfied, and we will transfer all accounts if this problem is not rectified in a timely manner. We are considering talking to the XXXX concerning this issue. Our next letter will be directed to SunTrust Board of directors if this issue is not resolved in a timely manner. 

Respectfully, XXXX & XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate The Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX and it was priced at XXXX on the lot I put XXXX down and have had the car since XX/XX/XXXX and with interest my balance through credit acceptance was placed at XXXX and as of today I owe a remainder of XXXX and a 10 day buy out quote of XXXX all of which are not feasible for my pay grade and I cant refinance due to in efficient credit score my monthly payment is XXXX and I feel financially trapped and duped into a contract that extorts me and am looking for a way out but I love this car and have put so much into it that I dont want to part with my investment
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few reported hard inquires on my account which seem to be damaging my credit score. These hard inquires are inaccurate and you are reporting it to my credit score. 
XXXX XXXX ( auto ) XXXX XXXX ( bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( bank )
Product: Checking or savings account

Submitted an application to add my husband to my account as a designated joint owner because he is XXXX and have provided me with a durable power of attorney. I wanted too change an account and add his deposits to my account because his bank is in North Carolina. This would make it easier for me to manage the funds because the bank in NC only have branches in NC, OK, DE and other states not close to Virginia. The Power of Attorney was on file and has been used in the past, but not too add him to my account. According to Navy Federal 's website : Joint ownership is not the same as Navy Federal membership. Federal regulations permit anyone to be designated a joint owner ; but permit only those within Navy Federal Credit Union 's " field of membership '' to become members. Therefore, joint owners are not automatically Navy Federal members, and they may not vote, obtain loans or hold office unless they are also members. A joint owner is entitled to purchase and withdraw shares with or without the member 's consent and, if designated joint owner " with right of survivorship, '' would be entitled to the share balance at the time of the members death. The joint owner may also request information regarding the account at any time and authorize the transfer of any funds in the share account. I was not provided with an attorney to read the POA but XXXX who said she was not an attorney or a paralegal. She denied my request and told me she was the supervisor. I would have to write to the Office of General Counsel. The POA is valid and gives me the authority to handle financials transactions broadly from banking to real estate and other issues. I am concerned an administrative person was handling legal matters and our access to due process was inhibited without having an attorney to even review the POA before making the denial to add my husband to my account. Additionally, my husband is incapacitated and can not sign any documents but if he was able to go into the credit union and sign the transaction would have been granted. Therefore, be cause he is XXXX a simple request was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, 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 formalescalation 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 XXXX DDUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX  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 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Midland credit is trying to sue me for a {$1200.00} debt that isnt mine I then closed the account when I found out and they told me it was closed then the summons came.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$580.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$500.00} Reason : 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 it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$850.00} Reason : 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 it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$440.00} Reason : 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 it or delete this account. 

INQUIRIES XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  on XX/XX/year> XXXX XXXX on XX/XX/year> EQUIFAX XXXX on XX/XX/year> XXXXXXXX XXXX XXXX on XX/XX/year> These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting

My issue is with TransUnion. Here is my issue with transunion. They have incorrect information on my report. In accordance with the FCRA guidelines, any information that is incorrect or not mine should not be on my report period. Any information that has not been verified by the creditor, meaning signed documents from the supposed original creditor with my signature verifying that I applied for credit and I am aware of that account, documentation that has come to me in writing, means verified according to the FCRA, not verified through a system electronically. I have disputed this information numerous times. Transunion has not gotten back with me in the required timeframe or they continue to keep incorrect information on my report with no means of verification other than electronically verifying it. They called me back after I left a message with the " Priority Department '' but the representative " XXXX '' did n't leave a number where I could reach her at. Only a fax number that keeps failing. That tells me that they do n't care about reaching customers that they are putting fraudulent information on their reports. Should we mention that they just settled a lawsuit for incorrect credit scores because of incorrect reporting. They have inquiries on my credit that do not belong to me, nor can they prove that they belong to me. According to that alone, I have grounds for my lawsuit. I have attached what I have sent them in the mail. I am sure they have received notification of my lawsuit. Instead of having to pay me, all they have to do is remove the incorrect items off of my report. They have n't and it seems that they do n't intend to. It is illegal to deny me a proper investigation. None of the supposed creditors have provided any proof nor responded. Meaning the items should be removed off. Not to mention that TransUnion reinserted XXXX XXXX XXXX onto my report after removing it last year and that is illegal. I have proof of that as well that i will be attaching to this email. TransUnion is in Hot water. TransUnion removed XXXX XXXX XXXX from my report on XXXX/XXXX/2016. They added it back on there and then removed it again on XXXX/XXXX/2016. It is illegal to reinsert previously deleted information off of a report. Yet they deny that they have correct information on there. Screenshots are attached. The letter that was sent to them is attached with the exception of the notary. The XXXX in the mail is notarized though, so they can not use a stall tactic.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX Account Number : XXXX High Balance : {$1000.00} Account Name : XXXX Account Number : XXXX High Balance : {$8700.00} These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Auburn XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Compliance XXXX Michigan XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX Dear : Sir/Maam : It was only a few months ago when I contacted your firm with a formal dispute under the FCRA XXXX ( a ) ( XXXX ). In addition, I sent a formal written inquiry to the clerk of the XXXX of XXXX for this erroneous Bankruptcy record that your firm is reporting. I received back that INQUIRY, it is CLEAR that the COURT DOES NOT verify or validate any information to your reporting agency. In addition the Clerk 's office noted that neither Personal Identifiers nor XXXX compliance standards were available for reporting or verification purposes, therefore the Bankruptcy record you are reporting violates the stipulated guidance provided to your firm by the Consumer Financial Protection Bureau XXXX 

After reviewing my reports, I noticed that each bureaus report has conflicting data on it. Most of the information being reported has not been verified unlike the bureaus assured us that it was. 

No matter how a third party information broker has collected this information it must contain the complete personal identifiers and be XXXX compliant, in this case the record is CLERALY not COMPLIANT and it is UNVERIFIABLE and CAN NOT be reported. Tort law is quite clear in this matter! You have 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a tort action against your firm for violation of the FCRA. 



Very Respectfully, XXXX XXXX XXXX The Privacy Act of XXXX, as amended, XXXX XXXX. XXXX, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 


The Privacy Act requires that agencies give the public notice of their systems of records by publication in the XXXX XXXX. Click here to see a list of DOJ systems of records and their XXXX XXXX citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The XXXX also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these 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 : XXXXL XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Student loan

I was contacted by XXXX XXXX several time in threatening ways to attempt to repay private  student loans that I did not even know I had with them. This was after they began harassing me over my federal loans that I did sign for and had since moved to a new servicer who has been more than fair about my federal loans. 

However, I do not recall signing for any private loans and there are many of them reflecting in my account on XXXX XXXX. ( I was later informed that XXXX was under investigation for fraudulent loan practices. ) And, while I was willing to try to work out any repayment plan with XXXX XXXX that I could afford on Minimum wage, since I never graduated or was even able to get a job in my field, XXXX XXXX  kept threatening me and demanding that I pay them thousands of dollars to them immediately. 

I attempted to get a legal team involved with all this, but have now been informed that they have been taken to court of fraud as well.
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.