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

I am writing to formally dispute the accuracy of information that BRCLYBANKDE has reported on my credit file. Under the provisions of 15 USC 1681, I have never provided written consent for BRCLYBANKDE to furnish my information to creditors or obtain my information from other sources.

Upon reviewing my credit report, I have noticed entries that suggest BRCLYBANKDE has collected and distributed my personal financial information without proper authorization. Specifically, Account Number XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, consumer reporting agencies like XXXX, XXXX, XXXX are required to obtain written consent from consumers before they can furnish or obtain information for credit reporting purposes. To the best of my knowledge, I have not provided such consent to XXXX, XXXX, XXXX or any affiliated entities. 

Therefore, I am formally requesting that XXXX, XXXX, XXXX investigate this matter and provide me with documentation that proves I gave written consent for the reporting and/or obtaining of my credit information. If XXXX, XXXX, XXXX is unable to provide such documentation, I request that the unauthorized entries be promptly removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to believe there's incorrect personal address/employment, and phone number information reporting on my credit report. I am requesting the information is removed/deleted.
Product: Credit reporting or other personal consumer reports

This is the law you use! Send this to XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. 

XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) XXXX, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. please send me that information or remove these accounts from my credit, the law is very clear about this. Thank you.
Product: Mortgage

I was struggling financially and was late on a couple payments in the beginning about a year ago and Flagstar Bank put me on forbearance. I was allegedly approved for loan re set and was told I would be mailed the documents and I needed to have it notarized and signed and sent back within 13 days. For months I calls once and twice a week and always got the run around on why I haven't received the documents. I was told not to make any payments until I signed the loan re set document. On XX/XX/XXXX I received a email saying I needed to sign the documents that were mailed to me for loan re set. I never had documents mailed to me. I get a email XXXX XX/XX/2022 with the documents attached of which now I can not find. Wednesday XX/XX/XXXX I call flagstar yet again and am told that that option is no longer on the table because I never returned the documents. They never sent me the documents. My home is all I have and they have swindled me into forclosure
Product: Credit card or prepaid card

Capital One adjusted all the due dates and autopayment dates without prior warning, forcing customers to adopt a new due date chosen by Capital One. While they are offering the ability to then select a new due date, that request can take 1-2 billing cycles to become effective. However, the consumer is still required to make payment on the arbitrary date chosen by Capital One. Many consumers, including myself, schedule our payments around a predictable paychecks and other infusions of cash and in this situation, the arbitrary due date falls in between pay checks when available cash is lowest and moves the due date forward by one pay check cycle requiring me to skip paying other creditors in order to pay Capital One or not pay Capital One.

I have a 100 % payment record on all my debt, including two accounts at Capital One, but this situation threatens my ability to make at timely payment on the Capital One the due day they chose while waiting for the request to be processed for a due date that will be aligned with my pay cycles ( as it was prior to their forced change ) I spoke to a supervisor at Capital One and after explaining the above, asked to move the upcoming date that they imposed, but she refused and stated they understood this was a inconvenience for me but I still had to pay by their due date with the implication that if I didn't, I would lose my perfect credit history with Capital One and the credit reporting agencies causing irreparable financial harm. 

I am sure that I am not the only consumer harmed by Capital One 's actions in this situation as millions of consumers live week-to-week and take great pains to balance cash flow so that their debts are paid on time as agreed with their creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and credit score has suffered adversely because of the Equifax Data Breach in XXXX XXXX XXXX and then again in XXXX XXXX. I have over ONE HUNDRED UNAUTHORIZED INQUIRIES and Collections ( XXXX XXXX XXXXt was a public record that was deleted ( default judgement ) now back on as collection account again without Five day notice to reinsert ) on my credit report in which I have disputed Several times at the same time this breach was happening XXXX XXXX XXXX XXXX XXXX ) in which the results were " inquiries are factual record ''. Of course they 're factual if someone HACKS Equifax DATA System with all of their CONSUMERS INFORMATION!!!. I have also spoken to 3 Customer service reps XXXX on XXXX/XXXX/XXXX ( XXXX 1 hr ) who said she would start a dispute but did n't, called again on XXXX/XXXX/XXXX XXXX pm XXXX US ( Nevada ) # XXXX who supposedly started one but ca n't find information in system. Last and FINAL time talked to XXXX XXXX/XXXX/XXXX ( XXXX XXXX XXXX who said she would start one # XXXX not sure if that 's the right number, but ca n't be found in system.I am so frustrated and disappointed by EQUIFAX RESPONSE, It seems they DO N'T care about ruining CONSUMERS CREDIT. 
I WANT THESE UNAUTHORIZED INQUIRIES AND COLLECTIONS REMOVED IMMEDIATELY AND NOT 30 DAYS as I have already started this process 3 Times!!! 
If a Identity Report is required how do I go about filing one against EQUIFAX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, 2022 ; XXXX Inquiry : XXXX, 2022
Product: Debt collection

I received a process of garnishment from small claims court of XXXX XXXX. The docket number is XXXX. I never had anything or signed a contract with XXXX XXXX XXXX XXXX XXXX. The Attorney office is Zarzaur & Schwartz, PC. The amount is XXXX plus interest which totals to {$1000.00}. They are threatened to withhold 25 % of my wages.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a case with CFPB in XXXX of XXXX. It was resolved on XX/XX/XXXX when XXXX XXXXXXXX XXXX XXXX- responded stating their apologizes and admitted the account was not ours and they would be having it removed from all credit reports immediately. It has now been almost 6 months and they are still reporting it as a collection in Equafax. We have tried disputing it with Equafax several times with no luck, using the letters provided to us by XXXX XXXX on the CFPB website. We want this account removed! It is stopping is from obtaining a mortgage during these hard times. Thank you.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX.La.  XXXX SSN : XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX Account # XXXX Notice to agent is notice to principal notice to principal is notice to agent { CAPITAL ONE # XXXX } I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report at { XXXX XXXX XXXX XXXX XXXX } You received my dispute letter on { XX/XX/XXXX } by certified mail tracking number # { XXXX XXXX XXXX XXXX XXXX XXXX } } It has been well over 30 days and you have not responded. This information by law must be deleted. 
15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at 1303. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at 1303 ; see also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
You not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account. 
Delete this account { CAPITAL ONE # XXXX } from my consumer reports. 


XXXX XXXX XXXX Without Recourse UCC 1-308
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Product: Mortgage

In  XXXX    XXXX  , I tendered payment-in-full as per UCC article  XXXX , to the mortgage servicer via  USPS certifi ed mail with return receipt green card. The valid negotiable instrument was dishonored by refusal, nonperformance, and not returned to me. In accordance with UCC  3-603 ( b   ) there was discharge. After numerous communications and legal Qualified Written Request, I was told that my mortgage was sold. The entity converted the mortgage into a  XXXX  to a company that is in conservatorship by the  US  Government.   In the telephone conversation with th e General Counsel  of the ( " originator '' ) servicer, I stated my claim to become the holder-due-course as per  Uniform Commercial Code.   The conversation ended stated that Non-full disclosure is considered  Fraud  in contract law, with make any contract void and a nullity at law.   The company attempted a wrongful foreclose on my mortgage on  XXXX    XXXX  , but the sale was cancelled. The advertised Sale stated that  XXXX  Gateway Mortgage Group  was the foreclosing party. During the litigation process for libe l ( slander )   XXXX  replied via answer to complaint, that they had nothing to do with to foreclosure trustee sale.  XXXX  inactivated my account. There is a fraudulent assignment recorded at my  local county r ecorders office that was sign by a  XXXX   XXXX ,   VP and Secretary   of  XXXX . The same Looking signature of a  XXXX   XXXX   XXXX  of Gateway Mortgage Group , LLC was the in the record from the previous cancellation and satisfaction of my first mortgage loan with the lender. Both signatures where notarized by employees of Gateway Mortgage Group , LLC.   This is constructive fraud and an attempt to defraud and unwitting accommodation party ( Borrower ). No beneficial interest is held by the loan servicing. Therefore, it does not have the RIGTHS of sale on a contract.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my right under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as XXXX by federal law. 
Recently, the Consumer Financial Protection Bureau files a lawsuit against XXXX for its failure to properly investigate consumer disputes citing, sham investigations and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previous disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
The allegations highlight systemic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Debt collection

Stenger and Stenger filed suit against me in XXXX XXXX XXXX Court. I contacted them and explained I never had this account. They forced me into a payment agreement so I could have time to correct this before the court case.
Product: Student loan

I spoke with XXXX XXXX at XXXX Loan Consolidation on XXXX XXXX, 2015. He assured me that once I went through the process and paid {$590.00} to consolidate my loans, they would pay my loans off. I would pay $ XXXX/month. I have been paying since XXXX 2015 and contacted XXXX to discuss my total loan amount that I saw on their website. It was {$2000.00} more than my initial amount and they told me that my loans had not been paid since XXXX 2015.
Product: Mortgage

XX/XX/2019 XXXX XXXX XXXX XXXX - Wells Fargo Loan number - XXXX XXXX XXXX XXXX XXXX, NJ XXXX I'm filing this complaint to ask that you assist me with my request for a loan modification, with Wells Fargo. 

I first began speaking with them on XX/XX/XXXX and, at that time, was told that I needed to speak with their attorneys - that my account was still labeled as 'IN LITIGATION. ' I WAS working with a company called XXXX XXXX, but on the XXXX of XXXX, I disengaged with them. 

Not only did I send Wells Fargo a copy of my disengagement letter, I sent them a letter removing their authorization to speak on my behalf. And, last week, amerihope send Wells Fargo a notification that they were no longer representing me - at my request. ( See attached files ) As of Friday morning, Wells Fargo STILL has my account listed as IN LITIGATION and is refusing to give me any form of updated information.. despite the fact that I've requested what if I'll be escalated and this is should be immediately resolved. 

I have submitted all paperwork for my request for modification - those documents were confirmed received, as of XX/XX/XXXX. 

Please assist in this matter! 

Thank you in advance, XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 I went to the XXXX, CT ( XXXX ) branch of Key Bank where I was a customer for a number of years. I needed to close my accounts and was assisted by one of their tellers in this. She was able to successfully close my checking account and give me a check for the balance, but when she attempted to do the same with my savings account, which had a balance of about {$11000.00}, a " computer issue '' occurred. It was unclear what this issue was, only that she was " locked out '' of the system. She called Key Bank 's helpline for assistance and after an hour was unable to make any progress towards closing the account and cutting me the check. I needed to leave the branch due to a commitment but was assured that she would continue to work on the issue and call me that afternoon. I was not contacted and called the bank myself on XX/XX/2018 to ask what was happening. They informed me that the teller who assisted me in closing the accounts was no longer employed by Key Bank and that the manager was investigating what had happened to my funds. My account has been closed ( this is shown by my online banking app ) but I have received no funds. I have contacted the bank again and have been given no answers, no updates beyond " we are working on it. '' At this time I feel suspicious of what has happened, especially as the employee in question is no longer working there. I can not understand why I have not been given my money, as it has now been 3 weeks since closing.
Product: Debt collection

I did not receive any written notification about the debt. The collection company claims they sent notification in 2020 but I did not receive it and many mailings were not delivered correctly in 2020. No mail notifications after that were attempted. They called and I think it was a scam because I hadnt received anything in the mail.