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

Subject : Notice of Egregious Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Wells Fargo Dealer Services Customer Service , I trust this letter finds you well, although it is with great concern that I bring to your attention severe and deliberate violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. 

Upon meticulous examination, it is abundantly clear that Wells Fargo Dealer Services is in blatant violation of 15 U.S.C. 1666 ( b ) by failing to adopt reasonable procedures for verifying the receipt of billing statements by consumers. The absence of a robust system to confirm whether I, as the consumer, am physically receiving paper statements or accessing electronic statements constitutes a direct infringement of this federal law.

This egregious violation not only questions Wells Fargo Dealer Services ' commitment to compliance with 15 U.S.C. 1666 ( b ) but also undermines the very essence of the law, which mandates creditors to adopt reasonable measures to prevent the erroneous treatment of payments as late for any purpose. 

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which unequivocally prohibits the furnishing of false or inaccurate information, is both alarming and unacceptable. The lack of a reliable verification process concerning the receipt of billing statements calls into question the accuracy of the information reported by Wells Fargo Dealer Services, especially regarding late payments. 

I must underscore the gravity of these violations under 15 U.S. Code 1681n, which explicitly addresses willful non-compliance with federal law. Whether Wells Fargo Dealer Services was previously aware or not of its inability to report late payments, this ignorance is no excuse for the severe breaches of consumer rights. 

Additionally, I draw your attention to 15 U.S. Code 1681s-2, highlighting that furnishers of information to consumer reporting agencies are obligated to provide accurate and complete information. Wells Fargo Dealer Services ' failure to meet these obligations further compounds the severity of these violations.

In light of Wells Fargo Dealer Services ' violation of 15 U.S.C. 1666 ( b ), I request that my account status be promptly updated to " paid as agreed. '' The failure to adopt reasonable procedures to verify the receipt of billing statements has not only compromised the accuracy of late payment reporting but also warrants corrective action to rectify any adverse impact on my credit history. 

It is crucial that the necessary steps are taken to ensure that my credit report accurately reflects the payment history in accordance with the law. I expect Wells Fargo Dealer Services to promptly address this matter and update my account status to " paid as agreed. '' Your immediate attention to this request is of utmost importance, and I anticipate your compliance with this corrective action. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. some one broke into my Dad 's house years ago and stole everything including my personal information. I been reaching out using dispute letter sending them in certified with my correct information correctly spelled name birthday social address and demanding fraudulent account to be deleted from my credit report. my last letter I sent in was XX/XX/2021 certified with copies of my FTC report Drivers license Social security card and bank statement. nothing has been deleted or removed I will be attaching copies of the document I sent in to this report.
Product: Credit reporting or other personal consumer reports

I demand that you conduct a thorough investigation into these discrepancies and correct the inaccuracies in accordance with Section 611 of the FCRA. I expect a prompt response confirming receipt of my dispute and detailing the steps you will take to rectify this matter. Furthermore, I request a copy of the results of your investigation, as well as an updated version of my report once the corrections have been made.These addresses are not associated with my accounts, and the presence of this incorrect information in your records is both misleading and damaging. Under Section 607 ( b ) of the FCRA, you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Clearly, this has not been adhered to in my case. This has been frustrating not being able to get insurance in my name at price. Places I never lived or states I never been too. The accounts that were open in my name due to identity theft are listed below 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 Md XXXX, XXXX XXXX XXXX XXXX Washington DC XXXX, XXXX XXXX XXXX XXXX XXXX Washington DC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of credit utilization by XXXX on my [ Experian, XXXX, or XXXX ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with XXXX, specifically account number XXXX  - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, XXXX has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that XXXX update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against XXXX. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ]. 
Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691.

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information.

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently become an adult and monitor my account like I should. I purchased a XXXX account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the XXXX premium service and found that there were to credit cards opened in the name XXXX XXXX  one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over XXXX XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX XXXX there is over XXXX XXXX XXXX in a 6 hour radius of where i currently live.
Product: Mortgage

My husband died last year ( XX/XX/22 ) from a long term series of health issues. He was XXXX. When he first purchased our home, he was the only name on the mortgage and later the HELOC he took out to do many home improvements. I was added to the mortgage a few years later and then after he fell ill, he borrowed money from the HELOC again, taking it back up to the original XXXX limit. It had been paid down to around XXXX at that time. The paperwork for this second HELOC withdraw was done while he was in the hospital, I was added to the paperwork at that time. And I did sign it. I was also told earlier that day that my husband needed XXXX XXXX from a XXXX XXXX he was fighting and that I needed to call family and friends. I was not aware of the terms of this loan, and at the time the interest rates were affordable and we could pay more than the minimum. He ended up in a XXXX XXXX for a month, he held on for maybe another 5 yrs. He died in our home in front of me from XXXX XXXX XXXX. He left me with no life insurance or any sort of investments or retirement fund. I am XXXX and spent most of the last 30 yrs being a full time mom to an adult on the XXXXXXXX XXXX who is now an independent and amazing adult. Working outside the home would have been impossible while our son was growing up. I was and still am his advocate, its a full time job and it doesn't pay well at all. 

Since my husband passed the interest rates have skyrocketed to close to 11 % and the payments have doubled. Only XXXX dollars of the XXXX dollar minimum payment goes toward the actual loan/line of credit. How is this allowed? How is this right? and do I have any options at all? My actual mortgage has a balance of around XXXX and I will have that paid off in less than 9 yrs. This HELOC has around a XXXX balance and it won't be even close to paid off for 20 years. What can I do to get help? I just want lower payments, not a free ride. I hope you can help me. Thank you for your time.
Product: Debt collection

The company has called me and text me numerous times in one day. Then somehow got not only my fathers phone number but my husbands as well. And called my husband and my dad within XXXX minutes of each other. This is harassment
Product: Credit reporting or other personal consumer reports

MOHELA WAS UNABLE TO ALLOW ME LOGIN TO WEBSITE TO MAKE PAYMENT FOR LOANS ATTEMPTED TO LOGIN TO ACCOUNT AND KEPT RECIEVING A " THIS USER DOES NOT EXIST '' MOHELA FAILED TO PROPERLY NOTIFY ME OF CHANGES TO THEIR WEBSITE HAVE NOT RECEIEDE ANY NOTIFICAITON FROM THEM IN OVER A YEAR! 

WHEN I CALLED THEY FINALLY LOGGED ME IN AFTER A YEAR OF MISSING PAYMENTS THIS CAUSE ME TO BE LATE ON PAYMENTS RESULTING ON A MASSIVE EFFECT ON MY CREDIT REPORT I HAVE THE AGENTS INFORMATION XXXX EMPLOYEE XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to purchase a piece of furniture from a local company and their same as cash vendor denied my loan. The application was acting funny at the store. So when I called the loan company they said my SSN was wrong. The furniture company said it was wrong on the application. Meanwhile before the furniture company knew the social was wrong they tried a different loan vendor and it was denied. Also before the original loan company figured it out, they had tried again. So I have 3 inquiries only linked to my name. I would like to erase the inquiries and start over with the correct SSN. Which also would clear up my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and public records listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : XXXX. XXXX  XXXX bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

XXXX. Bankruptcy XXXX  XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Checking or savings account

Company closed my acct with XXXX in it and refuses to release my funds. I have spoken to them several times they keep saying it's in review it been months
Product: Debt collection

I believe this was a HIPPA violation. I also had no knowledge of such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to dispute a XXXX account that a fraudulent account because I was in XXXX also a account with XXXX XXXXXXXX and also all those inquiries on my credit reports that it wasn't me can you please help get that all deleted from my credit reports and I can't seem to update my phone number for the ID theft to not issue any more credit unless I'm contacted first thanks please help
Product: Mortgage

During the summer, I was in the process of a loan modification with Carrington mortgage to bring my home in XXXX out of forbearance from XXXX relief. While in the process, the mortgage lender kept changing the documents they needed, who needed to sign, etc. They insisted I reach out to my abusive ex-husband and beg him to sign a quit claim deed because this had not been done upon the divorce and the judge 's orders from the divorce weren't " clear '' indicating that the house had been left to me during the dissolution of marriage. Throughout this traumatic, XXXXtriggering process, I did have to contact my ex-husband, who is now sending me threatening emails again. I also kept Carrington informed of every step I was taking in trying to get this man to sign the documents they had requested. I did eventually get the documents from him, sent them to the court an got everything filed and sorted. Still Carrington reported me as delinquent, which has absolutely decimated my family 's finances. Once creditors noticed the delinquency, they began to lower my credit allowances, thus raising my credit usage ratio and making me a " high risk '' for all borrowers now. Please note, I never did not pay when I was told to pay. I was told countless times to " wait '' because the paperwork was not legally correct yet. All I'm asking is for them to remove the delinquency as I was, in good faith, right in the middle of the process of a loan modification. I have dates of all the various phone calls, copies of emails from various employees about the issue and I just need this fixed already. I tried filing with the XXXX but they recommended filing here stating it was a CFPB issue
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 : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I closed escrow back in XX/XX/2016. My lender knew that I planned on selling the condo after a few years. She ordered my private mortgage insurance ( PMI ) for me which i opted to pay a one time fee of a little over {$5000.00} for a 5 year period. I ended up selling the condo after 2 years and 4 months leaving 2 years and 8 months of PMI unused. After closing I called the PMI company and they said my lender ordered it as a non refundable PMI. When I have clearly talked to her about this. Since this has come to my attention I tried calling her at her old company phone number and it is forwarded to her new company. Which she never answers. When i tried contacting her old company Academy Mortgage, all I get is the run around. I have contacted them about 6 or 7 times. Called 5 or 6 times only to get thrown to different peoples voicemails with no call back. I then resorted to emailing, i got responses and promises of call back and have not gotten anything from them, nor an email back or call in over 9 days. When i asked for the president of the companys email they just push be back to someones admin. I am getting no where with this company and it is extremely frustrating. I will never deal with this company ever again, they are completely rude and unaccomodating.
Product: Debt collection

There was a XXXX on my credit report I do not own. We have been hacked many times and there was a data leak. Also, there were many people with countless emails associated with my account and my husband 's. I removed the XXXX from XXXX or XXXX XXXX. 

We have had over XXXX data leaks to medial and financial information Also XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have mad e 3 attem pts to rectify this account with this debt collector. No matter how much sense it makes they just continually say the same thing. My first problem is my lease was broken  by 2 weeks n ot 4 months. The lease dates are not correct. The lease they provided me was not dated by me or the resident agent because I opted not to renew the lease. Also there are previous charges of almost {$3000.00} but they failed to provide a printout for what those charges were for.They have to early termination charges of {$1700.00}  one states Pre-Term the other says Lack of Notic e which is the exact same thing worded differently, also in the contract there is not a clause presented in reference to early termination fees. The amount they are saying I owe is utterly ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report last month around XX/XX/2021 and i saw this fraudulent account on my profile being reported by XXXX  and Experian. It is the first time i seen these accounts. I've never received any information from the company or the collector XXXX XXXX XXXX so i don't know whats going on. This account is not mine i've tried disputing and calling the credit repair companies and i also sent letters to the debt collection company. It is extremely hard to get someone on the phone through the system it is very confusing and time consuming. They are violating my rights by reporting this false information. 15 united states code 1681 ( a ) ( 1 ) says they must report accurate information. It has been more than 30 days and all they say is that the information is verified. How, they haven't sent me one document showing that it is mine. I'm so confused how they can just violate the law like this and destroy my credit score and not be held accountable. I do know Fair Credit Reporting Act laws protect me from this type of stuf. 15 United States Code 1681n ( a ) ( 1 ) says any actual damages like the stress plus up to {$1000.00} per violation. I need this stuff deleted our i will have to excercise my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/ I am request proof that I gave " XXXX '' permission to look at my credit report.
Product: Checking or savings account

Ally Bank closed my account all of a sudden in XX/XX/XXXX due to " Suspicious Activity '', but refused to give me any details or information. Every time I tried to call and get information they would say " they reserve the right to close the relationship and can give me no further information ''. I have received no letters in the mail and they still have my money of {$360.00}. It is now XXXX of XXXX and still giving me the runaround. Please help.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!