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

On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter 537.012, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open XXXX has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX  instead of being removed like it shows on my XXXX report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for XXXX I have once again sent letter # 2 to all credit bureaus requesting the same information once more.
Product: Debt collection

This company does not have a license to collect debt in state of XXXX, they also are misrepresenting the company 's XXXX XXXX. They are fraudulently buying people 's information and suing them. There is no contract to confirm debt or amount, they also are not following the original company terms and conditions for arbitration provisions. This violates CFR 1006.18 4, 18 u.s.c code 1001 Under FCRA 15 code 168 states I am owed up too {$1000.00} per violation not including the amount of XXXX XXXX I've had to endure due to this. I am asking for {$15000.00} for violations of my consumer rights as well as my XXXX XXXX it's caused.
Product: Debt collection

I do not know what this debt is nor the amount. Sequium Asset Solutions continues to call my personal cell phone number many times a day and sometimes back to back calls. Below are the numbers, dates, and times they have tried to contact me after my request to stop. 

XXXX - XX/XX/2021 - XXXX, XXXX, XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX, XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX XXXX - XX/XX/2021 - XXXX, XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX XXXX - XX/XX/2021 - XXXX, XXXX There are many other numbers before and after these calls from Viop lines in the same area as these numbers above.
Product: Debt collection

I sent in XXXX written request for XXXX to remove the unverified collection account ( NATIONAL CREDIT ADJUSTERS , L.L.C ) that was on my credit report in violation of 15 U.S.C. 1681 or provide me proof of verification. In the results of the 3 investigations, they stated that they " verified '' that these items are being " reported correctly ''. but they didn't provide the information i requested as to Who in their company verified these accounts. How they verify them, The name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Or they didn't Include the documentation that was used to verify the dispute. XXXX removed this account from my credit report because it's not my debt and its unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Dept of Ed / XXXX, XXXX XXXX, and XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to TransUnion regarding my credit profile. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX XXXX  and XXXX/XXXX XXXX/XXXX   reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, names, and employers corrected on my report as this is a violation on my consumer protection rights
Product: Mortgage

How do I get my payment? 
Please order Wells Fargo to give me my payment. 
No, the CFPB action against Wells Fargo was not a class action lawsuit. CFPB XXXX My mortgage was in Foreclosure for 14 Years Wells Fargo XXXX offered me a modification CFPB Director Rohit Chopra noted in a statement that the Bureaus XX/XX/XXXX order and the massive fine against Wells Fargo, who reportedly has {$1.00} XXXX in assets, is only the first step in fixing the banks fundamental problems. 
Wells Fargos rinse-repeat cycle of violating the law has harmed millions of American families, said CFPB Director XXXX XXXX Improperly denied me mortgage modifications : The bank incorrectly applied borrowers payments, improperly charged fees and interest, The CFPB determined that Wells Fargo had engaged in unfair and deceptive practices with respect to its auto loan servicing business The CFPB order requires Wells Fargo to : The CFPBs investigation found that Wells Fargo violated the Acts prohibition on unfair and deceptive acts and practices. 
Provide more than {$2.00} billion in redress to consumers : Wells Fargo will be required to pay redress totaling more than {$2.00} billion to harmed customers. These payments represent refunds of wrongful fees and other charges and compensation for a variety of harms such as frozen bank accounts, illegally repossessed vehicles, and wrongfully foreclosed homes. Specifically, Wells Fargo will have to pay :
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the XXXX account on my credit report contains several inaccuracies and may violate federal laws, specifically the Fair Credit Reporting Act ( FCRA ). Despite my attempts to dispute the inaccuracies with the credit bureaus and XXXX, the issues remain unresolved. 

The specific issues are as follows : Inaccurate Balance Reporting : The account is marked as " Closed '' as of XX/XX/XXXX XXXX XXXX but a remaining balance of {$280.00} is still reported. If this account was charged off, the balance should not remain on the original account unless accurate documentation is provided. 
Erroneous Payment History : The account shows a history of missed payments XXXX XXXX XXXX XXXX  '' ) through XX/XX/XXXX, even though the account was closed in XXXXXXXX Once an account is closed, payment history should not reflect ongoing missed payments. 
Potential Re-aging of Debt : Payment history reported beyond the original closure date suggests re-aging, which is illegal under the FCRA. Negative information can only be reported for seven years from the date of the first delinquency ( 1681c ( a ) ). 
Inconsistent Loan Term : The loan term is listed as 12 months, yet the account was opened in XX/XX/XXXXXXXX XXXX  and closed in September 2019only 10 months. This raises concerns about the accuracy of the account details. 
Profit and Loss Write-Off : The account is marked as " Profit and Loss Write-Off. '' If this debt has been sold to a collection agency, the original creditor should not continue reporting a balance, as this could result in duplicate reporting. 
Laws Potentially Violated : Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Failure to ensure maximum possible accuracy in credit reporting.

1681c ( a ) : Negative information must only be reported for seven years from the date of first delinquency. 
1681s-2 ( a ) : Furnishing inaccurate information to credit bureaus.

1681i ( a ) : Failure to properly investigate disputes.

Fair Debt Collection Practices Act ( FDCPA ) : If the debt was sold or transferred to collections, incorrect reporting of the balance or payment history could violate 807 ( false or misleading representations ). 
What I Am Seeking : I am requesting that the CFPB investigate these issues and take appropriate action to ensure MoneyLion and the credit bureaus comply with federal laws. Specifically, I request : An investigation into the accuracy of the account details ( balance, payment history, and term ). 
The immediate correction or removal of the account from my credit report if inaccuracies can not be verified. 
An explanation of why the payment history continues to be reported after the accounts closure. 
Supporting Documents : I have attached the following documents : Screenshots showing the payment history and balance discrepancies. 

Contact Information : You may contact me at XXXXXXXX XXXXf additional information is needed. 

Thank you for your time and attention to this matter.
Product: Credit card

As I testified at the recent XXXX hearing, I wanted to get a credit card with airline miles with more destinations than the one I had. I read the reviews, weeded out paid for advertising, compared rates, and read all the online disclosures. I even called customer service to be sure I understood some vague terms. With that, I opted for the Chase XXXX card. It was offering bonus points if I spent a certain amount in the first two months. I did all of that. I tried to book a trip to XXXX and later to XXXX XXXX. I started off on the domestic XXXX site, put in my trip, clicked on the use points option, and was rerouted to the XXXX website to complete my booking. For the first time ever, I saw that there was a fee to book the XXXX XXXX flight to XXXX. It was + {$450.00} CA. To see how much I was saving, I went to XXXX to see how much airfare would cost outright. I found the same United flight-same day, airport, and time-for {$420.00}. It was cheaper not to use my points. The same happened when I tried to book my flight to XXXX XXXX. I called Chase, which transferred me to XXXX. When I asked why the website transferred me from US to XXXX, he replied " we're a XXXX company, what do you expect? '' When I pointed out for purchase I would stay on the US site, he repeated that statement. I asked him to explain why I was transferred if that would cause a fee. He said " I could explain it to you, if you want. Do you want me to explain it to you? '' I asked him to explain since that was the point of my call. With a deep sigh for his troubles as a call center employee, he explained in essence that since I was " buying '' the airfare with points, I had to be transferred to the XXXX website for the transaction, and while there, I had to pay a foreign transaction fee. I don't have historical conversion figures, but does {$420.00} US convert to {$450.00} CA on or about XX/XX/2024? These points and rewards offered by Chase and XXXX are completely illusory. I spent the money required for points that I will never use as it will always cost more than buying the tickets outright.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a written off account from XXXX  XXXX  without properly verifying its legitimacy. I have conveyed to them that I do not owe this debt or amount yet they continue to report and refuse to give me the contact information on who, how and what methods they used to validate the information being inaccurately reported.
Product: Credit reporting or other personal consumer reports

Incident Description : XX/XX/XXXX, I initiated a dispute regarding an entry on my credit report with XXXX, Transunion and XXXX. The entry in question pertains to an accounts that does not belong to me. 

Actions Taken : I submitted several formal disputes through online portals and mail to XXXX, XXXX and Transunion. 

I received a response from all three bureaus stating that the investigation would be completed within 30 days. The response indicated that they would contact the creditor to verify the accuracy of the information. 

I followed up with as the investigation period had expired. I was informed that the outcome was that they were able to verify the accounts were mine and when asked for the original signed contract, I never heard back. 

Amounts Involved : The disputed entry involves : XXXX XXXX I show the balance on my XXXX report as {$3400.00}. XXXX I'm not sure of the balance. XXXX XXXX {$120.00}. XXXX XXXX XXXXXXXX {$1200.00}, XXXX XXXX XXXX XXXX {$560.00}, XXXX XXXX  {$1500.00} and XXXX XXXX XXXX {$590.00}. 

Current Status : As of XX/XX/XXXX, the issues remains unresolved. I have sent additional documentation, spoken with a representative, etc. However, the incorrect information is still appearing on my credit report, affecting my credit score.

I request that you forward these comments to the companies involved to ensure that this issue is addressed promptly and accurately. I am looking for a resolution that includes correcting or removing the inaccurate information from my credit report. 

Thank you for your attention to this matter.
Product: Debt collection

I sent a debt validation letter to XXXX XXXX XXXX XXXX on XX/XX/year> using certified mail. It has been over 30 days, and I havent received any response from them. 

According to the Fair Debt Collection Practices Act ( FDCPA ), they are required to validate the debt before continuing collection, but they havent done so. 

Even though they havent proven the debt is mine, they are still reporting it on my credit report and damaging my score. This is unfair, and I want this debt removed since they failed to validate it. 

I need the CFPB to step in and make sure they stop collection and delete the debt from my credit report since they didnt provide proof. 

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

There is a collection from XXXX XXXX for {$2400.00} that has been showing up on my credit report for a couple of years now that I have been disputing. I was staying with my sister during this time frame.
Product: Debt collection

In XXXX XXXX, I learned from the IRS that my XXXX Income Tax return had been confiscated in the amount of {$1000.00} by a debt collection agency - ECMC working with Premiere Credit in XXXX, Indiana. Prior to this event, I had not been contacted by either agency, ECMC or Premiere Credit. After learning of this event, I contacted ECMC/Premiere and asked for proof of the debt, when the debt was submitted, and who submitted the debt. 

I was informed by ECMC/Premiere Credit that the debt was submitted to them by XXXX XXXX in XXXX XXXX with total outstanding balance of {$17000.00}. I immediately contacted XXXX XXXX Default Recovery Department and it was confirmed by XXXX that no information had been submitted to ECMC for collection and in fact, XXXX does not use that agency for their collection process. 

In XXXX XXXX, I worked with XXXX XXXX Recovery to settle the same debt in which ECMC/Premiere Credit is attempting to collect, based on the information ECMC/Premiere Credit supplied to me. A letter regarding the settlement of the account with XXXX was submitted to ECMC/Premiere Credit. ECMC/Premiere Credit immediately discounted my letter and my  contention that XXXX denies submitting a debt claim to their agency/ My concern, and complaint is that ECMC/Premiere Credit never attempted to contact me, via phone or mail, regarding this alleged debt prior to taking punitive actions. Upon being informed by me that the debt had been settled in XXXX XXXX, I was immediately threatened with a garnishment as their next recourse of action. 

It is my contention that this debt is not owed and the proof ECMC/Premiere Credit provided is a duplicate of a debt that was previously settled with XXXX XXXX Recovery Department in XXXX. XXXX Recover can verify that the debt was settled and satisfied within their recovery process. In addition, XXXX denies submitting any debt owed or information to ECMC/Premiere Credit for collection on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. 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
Product: Mortgage

1. Equity Settlement Services ( a title company ) did not pay off the existing loan by wire transfer as required by the existing lender 's attorney who supplied wiring instructions to XXXX XXXX XXXX ( the Mortgage Loan Originating company ). Instead, and for unknown reason, Equity Settlement sent the payoff funds by check. The result of the delay in payment was that the clients, XXXX XXXX and XXXX XXXX, were forced to pay an additional {$1300.00} in payoff funds to the lender because of changes in exchange rates and approximately {$1600.00} in fees to their attorney for attempting to obtain a refund from Equity Settlement and XXXX XXXX. 

2. The lender 's attorney states that he received a scan of what appeared to be a copy of a payoff statement that was " grafted '' onto a page containing his letterhead and signature. One of XXXX XXXX or Equity Settlement is the author of this " grafted '' statement. Such breach of trust is serious and the clients demand an explanation. 

3. The clients requested the name of the companies ' malpractice ( errors and omissions ) insurer. The companies refuse to provide such.

4. Although 4 months have passed since they collected their fees in this transaction, Equity Settlement Services and XXXX XXXX have yet to provide their clients with documentation showing that the previous mortgage has been discharged and is satisfied of record.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Fraudulent Account : Account Name : Capital One Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident.

This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation.

If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have sent multiple letters to XXXX, TransUnion and XXXX regarding inaccurate and unknown things on my credit report dating back to XX/XX/2022 and none of these items have been resolved. And at this point I feel as if my credit is being taken advantage of or that my disputes are not being acknowledged/ ignored. 

Section 611 ( a ) it is plainly stated stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been well over 60 days, so they should be deleted promptly. I DEMAND these accounts be deleted IMMEDIATELY or I will file litigation do to the stress and mental harm that this has caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I am also a victim of the XXXX XXXX breach. 

I have attempted to resolve this issue for months with the credit bureaus and I have not been able to resolve this issue. CFPB is my last resort and I hope that you are able to assist and put an end to this lengthy process.
Product: Vehicle loan or lease

Car was totaled on XX/XX/2021. Since that time my insurance company ( XXXX XXXX ) has made repeated and unsuccessful attempts to contact Kia Motors Finance to obtain a letter of guarantee stating they would send XXXX XXXX the title for the vehicle once they issued Kia Motors Finance the check for the vehicle. I have also reached out to Kia Motors Finance on multiple occasions and have been unsuccessful as well. I have received a default notice from Kia Motors Finance and this account is still showing on my credit report. It has been 6 months that XXXX XXXX and myself have been trying to resolve this. XXXX XXXX has the check ready to be sent to pay this account in full but Kia Motors Finance has refused to cooperate resulting in a negative impact on my credit score and my ability to obtain financing. XXXX XXXX clearly informed Kia Motors Financing via repeated emails/phone calls of what was needed to issue payment and resolve this account in full, Kia Motors Finance will not respond or comply.