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

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CBNA Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen and my identity. A XXXX  XXXX  was open by someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX CHILD SUPPORT XX/XX/2023 XXXX XXXX To Whom It May Concern : On XX/XX/2023, I received a copy of my credit history report from Experian, XXXX, and XXXX XXXX. That Report contained incorrect information reported by you. 

I contacted the Experian XXXX and XXXX XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : Child Support - I never had child support in my life. Me and my wife still live together and have our kids under the same roof. These child support payments are reporting inaccurately on all 3 credit bureaus, ( Experian, XXXX, and XXXX XXXX ). 

This negative mark is damaging to my credit. Please contract Experian, XXXX and XXXX , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance. 

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

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Product: Mortgage

Around XX/XX/2024 I emailed my home building company, XXXX XXXX XXXX XXXX XXXX XXXX, north carolina and my mortgage company because I am experiencing a great deal of issues with my new manufactured home. I moved into the home around the first week of XX/XX/2024. There are so many defects with this home and so I reported the home building company to the nc doj because of this. I also reached out to someone at the mortgage company pertaining to these issues and have not heard back from them yet. I would like for all of my mortgage payments to be paused because of the defects. for one, the home has poor ventilation in the air vents in my home. and then the home is literally falling apart in some places inside of the home. I reached out to the home building company and asked them to inform the mortgage company to pause all of my mortgage payments until these issues are fixed. in addition, the home building company set my home in the wrong place, and the county had to come out and tell them to move it.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and found several inaccurate items. After the investigation the items are still on my consumer FICO credit report. Under 15 U.S. Code 1681e ( b ) Accurately of report whenever a consumer reporting agency prepares a consumer report, it follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. After the reinvestgation under paragraph ( 1 ) of 15 U.S. Code 1681 ( 5 ) treatment of inaccurate information found the consumer reporting agency shall ( I ) promptly delete the item or information from the consumer FICO credit report. 

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
Product: Credit card

I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you aer damaging my reputation as a consumer.
Product: Mortgage

We got line of credit with TCF thru mortgage broker. We had no idea the terms of the line of credit are really bad. we were in tough spot and had no time to shop as we were going to loose the house. This HELOC is with variable interest rate with interest rate payments only for 10 years! Have not been able to communicate or have not had any success with TCF to  modify the terms of the loan. the payment changes every month and no principal is being paid down. We will be forced to file for bankruptcy and ask the courts to discharge the HELOC if we dont come to agreeable terms with fixed rate and principal pay down.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit card

Wells Fargo in XXXX XXXX called and asked if I was requesting a new credit card with an authorized user of XXXX XXXX XXXX from XXXX. This is not my wife 's name and I did not request this credit card. Somehow she was able top obtain my SSN and use it in the application. Thanks for your help in looking into this fraudulent behavior. 

Your truly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

attached is my supporting documents. stop asking me for documents I don't have. my SSN & XXXX XXXX bill confirms my name & address.
Product: Payday loan, title loan, or personal loan

I have an account with TD Bank with the XXXX XXXX department. My payments are due on the XXXX of each month. I have made on-time payments. However, depite the on-time payments, I am regularly charged a late fee and when requesting it be waived, they say one of two things, 1 ) that it will happen automatically or 2 ) that in order to waive the late fee I need to bring my account current even though my account only appears to be overdue because they never waived the late fee for the on-time payment. This late fee is assessed days before my due date and never waived. I am concerned I have been overpaying on my loan due to their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Debt collection

I have tried to settle by offering an amount I understand it 's fair.. these people do n't care and they do n't want to settle for other amount other than what they said..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX and Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Product: Credit card

I completed a return of the mattress on XX/XX/XXXX it is now XX/XX/XXXX and I still haven't received my refund for {$670.00}. Between wayfair credit card and wayfair customer service NOONE has contacted me to get this resolved and whenever I call in I'm being ran in circles trying to get my money back. This has been a horrible experience from start to finish!!!!!! I just want my money refunded so I can be done with both of these companies
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Consumer Loan

I turned in my lease vehicle and thought you should know about what I consider to be a deceptive and unscrupulous practice. About a month after turning in my vehicle I received a bill for something called a " disposition fee ''. Apparently this is a fee charged if the person returning the vehicle chooses not to purchase the vehicle. When I reviewed the contract with the finance person at the dealership he went through every line except this disposition fee line. To this day I still do n't know what a disposition fee is. I feel like the disposition fee line was purposely avoided by the dealer so as not to make me aware of it. Had I known about this fee I would have challenged it or refused to sign the lease. This practice needs to be investigated.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transitions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against EQUIFAX for IDENTITY THEFT. I believe that my rights under the Fair Credit Reporting Act have been violated. EQUIFAX VIOLATED MY RIGHTS, TOOK MY NONPUBLIC PERSONAL INFORMATION AND TRANSFER IT TO NON-AFFILIATES WITHOUT MY CONSENT THAT IS IDENTITY THEFT I ASKED EQUIFAX TO PROVIDE ME WITH A CONTRACT SIGNED BY BOTH PARTY WHERE I GIVE EQUIFAX PERMISSION TO SHARE MY INFORMATION AND NONE WAS PROVIDED. MY REQUEST TO BLOCK THE INACCURATE UNVERIFIABLE INFORMATION IS NOT MADE IN ERROR ; NOR MY REQUEST TO BLOCK THE INACCURATE UNVERIFIABLE INFORMATION BEING MADE ON THE BASIS OF MATERIAL MISREPRESENTATION OF FACTS. 
MY AFFIDAVIT OF FACT, WAS RECEIVED BY EQUIFAX ON XX/XX/2023 ( A copy is hereto attached ) EQUIFAX FAILED TO REBUTE THE AFFIDAVIT POINT BY POINT AS IT WAS REQUEDTED.. 
Despite my disputes submission EQUIFAXS RESPONSE ( copy hereto attached ) failed to provide me with proof of the method of verification according to FCRA 611 ( a ) ( 7 ) 15 USC 1681 ( a ) ( 2ab ) and Title USC 24 by LAW EQUIFAX was required to send me a complete description of all methods used to investigate this dispute, this notice will include ; dates, names, I.D number, addresses, and phone numbers of the direct source of the furnisher of the information NOT THIRD PARTIES AS PER FCRA 611 ( A ) ( 7 ). TEREFORE THE INACCURATE DISPUTED INFORMATION HAVE TO BE DELETED
Product: Debt collection

XXXX XXXX/XXXX XXXX has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. XXXX XXXX/XXXX XXXX provided no initial communication within the five days of any collection attempts regarding this debt. In addition, XXXX XXXX/XXXX XXXX has failed to provide any original copies of verification obligating myself to this debt. Since XXXX XXXX/XXXX XXXX has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.
Product: Vehicle loan or lease

I bank with XXXXXXXX XXXX and I have a vehicle Loan that was recently moved to the charge-off account and up for repo. I tried for months to ask for assistance on how can I reduce the payment amount on a month to month bases and I was denied the reduction. As a XXXX XXXX service member, my interest rate by the bank was 17.75 % but on XXXX XXXX it say my interest rate was 19.09 %. I request is there a way to lower the interest so that it was more affordable for me due to a drastic change in monthly income. I was denied again. I also have another vehicle with XXXX XXXX XXXX  and now that XXXX account has been moved to charge-off as well. Now both companies want me to pay the full amount for both vehicles or the settle amount but I don't have XXXX  XXXX to be able to pay off the requested amount. They are both very great vehicle and I don't want to lose them and I tried to pay what I can but I fell short because my pay change due to child support obligations and a military debt that was mandatory to be paid off due to XXXX  from XXXX XXXX XXXX  to the next
Product: Debt collection

I did not authorize to consent to nor benefit from the listed account ( XXXX ). Block and Remove
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One failure to deposit direct deposit from my employer. Capital One has cited technical issues which violate the electronic funds transfer act is it requires timely access to funds. This situation raises concerns about consumers protection laws and I request assistance and investigating this matter to ensure my right are upheld. Thank you
Product: Credit reporting

I requested to have a verification of a tax lien filed XXXX, Equifax keeps giving me this as verified XXXX. I need this to be verified as of now XXXX. I do not want old information, I need an updated verification. If they can not verify it as of XXXX then this needs to be removed or it is a violation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I keep receiving letters in the mail stating that I was in a car accident and that I am being sued but I know this is false because I never was in an accident. This has to be false. In reality, this is identity theft.
Product: Student loan

I am requesting an Official copy of my transcripts digital or otherwise. I have requested repayment options I can work into what money I dont have. I was made aware of a private loan I was not aware of. I was under impression all my debt was already consolidated. I feel scammed this college had commercials come in & will get you going no money to start. I feel like I was handed my text books and I thought I was signing for my books and I'm signing into student debt. And I need my transcripts to get my degree so I may pay off my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Experian several times regarding an account XXXX on my credit file. Experian continues to report an account that this company has told them to delete. XXXX has even sent notice through CFPB stating the following yet Experian has not removed this account from my credit file..From XXXX  " We have previously responded to a complaint from this consumer under complaint number XXXX. We have already requested that this matter be deleted and removed from the consumer 's credit and this can be verified with the credit bureaus directly. 3rd party applications and services that supply this information to consumers may not be fully updated, so you will want to contact the credit bureaus directly if you are still seeing them listed there ... I am continuing to see XXXX open my credit file and it needs to be deleted immediately. Experian is in violation and I will be forced to take legal action if this account from XXXX is not removed.
Product: Payday loan, title loan, personal loan, or advance loan

I have sought legal representation for this matter. The matter at hand is that Truist Bank opened a Ready Now Line Account/Loan without my request and knowledge of such. I am now being forced to pay late fees and have charges coming out of my checking account, in order to pay on the ready now line account. I did not authorize this loan and will continue to dispute the dishonesty, lack of integrity, financial burdens and poor customer service ; that Truist Bank has shown to me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against XXXX regarding their handling of my dispute related to identity theft and a fraudulent account reported on my credit report. 

On XX/XX/XXXX, I reported to XXXX that an account from Bank of America was incorrectly listed under my name, and that this account was opened fraudulently without my authorization. The account was created under the status of an 'authorized user ' using my personal information, which I did not consent to. I specifically stated that I do not have any account with Bank of America and requested XXXX to investigate this as a case of identity theft. 

However, XXXX declined to dispute the account. I then submitted another dispute request on XX/XX/XXXX, followed by another request on XX/XX/XXXX. Each time, XXXX denied my request to remove or dispute this false account. 

I have provided XXXX with a police report verifying that I am a victim of identity theft and have repeatedly asked them to provide the full Bank of America account number listed on my credit report. Despite these requests, XXXX has refused to provide the full account number, citing that they can not see the complete number on their end. I find this particularly troubling, as XXXX has made the determination that this is my account without being able to access all relevant information. Furthermore, Bank of America has confirmed that there is no account associated with my personal information or Social Security number in their records. 

Additionally, I have verified that this fraudulent account does not appear on my credit reports from XXXX or XXXX, further indicating that this is an error or fraud that XXXX is mishandling. 

XXXX 's repeated denials of my dispute requests and their failure to provide full account details are causing me undue stress and harm, as this fraudulent account continues to appear on my credit report. I am concerned that XXXX is not properly investigating this case or adhering to the procedures necessary to protect my rights as a consumer. 

I am requesting your assistance in investigating this matter and ensuring that XXXX properly disputes the fraudulent account, removes it from my credit report, and provides me with the information necessary to further address this issue with Bank of America. 

Thank you for your attention to this matter. I look forward to your support in resolving this issue. Here is the latest declined dispute report with XXXX for your reference # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}