23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

VW credit inc. acct # XXXX, ( XXXX ) XXXX, Orignally opened XX/XX/XXXX. 

This account was included in a XXXX  XXXX bankruptcy which was discharged in XX/XX/XXXX. VW Credit has reported late payment on my account, for a car I did not own, for the dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again the vehicle was surrendered at the end of XXXX as part of a XXXX  XXXX bankruptcy. The information VW Credit has placed is wildly inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

i don't know what to say anymore and you just keep on saying everything was still in review. please review my letters properly
Product: Credit reporting or other personal consumer reports

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 U.S.C. 1681 602 it states that I have a right to privacy.

Under 15 U.S.C. 1681 604 ( a ) Section 2 it states that consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S. Code 1666b ( a ) it states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan

I applied for a payday loan XX/XX/2012 and I did n't pay on it. It took about 2 and a half years for the debt collectors to start not only harassing me but my family as well. They have been very vulgar and very threatening trying anyway possible to get there funds. It 's gone through multiple debt collectors. It comes and goes away for a while. The latest one is they 're going to serve me because I am being sued. Another one is they had called my mom and told her that I 'm being sued for writing bad checks. My Mom is stressed out and so am I with these debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX, has violated my rights. 

1

5 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: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. 
Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I was charged a XXXX dollar NSF fee in my checking account. Basically, what happened was I thought I only opened one bank account but it turns out that I had opened three bank accounts. This is fine but since I did not know this, I gave the incorrect bank account information for my " growth account '' to my credit card company. PNC then denied them the funds even though they were in the account. I used the bank account information from when I first opened the account as I wrote that down. They should have given me all three bank account numbers when I first opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I lost my job due to covid, I worked at a hotel and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to Fortiva when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in XXXX I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. Fortiva told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling Fortiva and they keep telling me that it will be deleted and still don't see it deleted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FURIOUS WITH THE 2 CREDIT REPORTING AGENCIES XXXX  AND EXPERIAN AND THE 3 COMPANIES WHO ARE IGNORING MY REQUEST FOR REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. ITS BEEN OVER 1 MONTH AND IT IS STILL IN PENDING STATUS, BY LAW IF THEY CAN NOT PROVE THAT THIS IS MY ACCOUNT THEY MUST REMOVE IT FROM MY CREDIT REPORT, THEY CAN NOT SAY THAT WE HAVE NOT COMPLETED OUR INVESTIGATION AND IT CAN TAKE OVER 60+ DAYS. THEY MUST GIVE THE 3 CREDIT BUREAUS *******COMPLETED***** INVESTIGATION RESULTS, NOT GIVE THEM INCORRECT INFORMATION OF THE ACCOUNTS BEING VALID, WHEN THEY HAVE NOT EVEN CONCLUDED THEIR INVESTIGATION!!!! THEY HAVE NO SOLID VIABLE EVIDENCE THAT THEY CAN USE, SENDING ME CREDIT CARD STATEMENTS IS NOT PROVING THAT THOSE ACCOUNTS BELONGED TO ME!!!!! I WILL NOT BE RESPONSIBLE FOR FRAUDULENT ACTIVITY THAT WAS NOT DONE BY ME!!!!!! ABSOLUTELY RIDICULOUS CUSTOMER SERVICE, THIS IS MY FINAL ATTEMPT TO SEEK HELP FROM YOU SO THEY BOTH REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. XXXX WAS AMAZING AND THEY REMOVED THE FRAUDULENT ACCOUNTS IN A TIMELY FASHION, ON THE OTHER HAND EXPERIAN AND XXXX BOTH ARE NOT REMOVING THE ACCOUNTS. I AM REPORTING THE 2 CREDIT REPORTING AGENCIES XXXX AND EXPERIAN AS WELL AS THE 3 LENDORS WHO ARE REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THEY HAVE RECIEVED MY FEDERAL TRADE COMMISSION REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : 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 - Incorrect Address ( es ) : * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - Correct Social Security Number : XXXX - **Correct Address** : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX did not have permissible purpose nor authorization to access my credit report in XX/XX/2017. I have repeatedly requested the authorization including the credit report but they deny. As proof, XXXX XXXX XXXX XXXX sent an incomplete and undated copy of an application which included an area for authorization.
Product: Credit reporting or other personal consumer reports

Request for Credit Reporting Information Update Dear CFPB, I hope this message finds you well. I am writing to request an update to my personal credit reporting information to ensure its accuracy. The correct information is as follows : - Name : XXXX XXXX XXXX - Date of Birth : XX/XX/XXXX  - Address : XXXX XXXX XXXX, XXXX, MI XXXX Kindly review my credit report and make the necessary adjustments to reflect these accurate details. Having up-to-date and correct information is essential for my financial well-being, and I appreciate your prompt attention to this matter. 

Please notify me once the changes have been made or if you require any additional information from me. 

Thank you for your assistance in ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

This is a follow-up to complaint ID XXXX. In my complaint, I noted that I believed that Nationstar Mortgage, dba Mr. Cooper, had violated 15 USC 1639f ( b ). That statute requires a mortgage servicer to promptly credit any payment it accepts.

If the payment is not in compliance with the servicer 's written policies, but it nonetheless accepts the payment, it must credit it within five days.

In my original complaint, I alleged that Nationstar did accept my {$57000.00} payment of XXXX XXXX, 2022, and held it for more than a week, then returned it. I believe Nationstar violated federal law in doing so, which incurred additional interest for my final payoff. 

I am requesting that Nationstar be required to respond to that specific portion of my complaint, either explaining why they believe 15 USC 1639f ( b ) does not apply, or why they have not refunded the additional interest they charged me for their violation of the law.

I am also requesting that CFPB legal counsel review my complaint and Nationstar 's response to see whether 15 USC 1639f ( b ) applies and whether the law was violated.
Product: Credit reporting or other personal consumer reports

I disputed to remove these fraudulent addresses XXXX times in XXXX  and Transunion continue to show fraudulent these addresses on my credit report : XXXX XXXX XXXX Apt XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please remove these fraudulent addresses : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with bogus and fraudulent addresses appearing on my credit file that I do not recognize. My full name is XXXX XXXX XXXX please remove any other variation of my name. My DOB is XX/XX/XXXX SS XXXX. My current and only address is 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I own a XXXX credit card, an XXXX credit card and had a personal loan with XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I paid the balances on both cards and the loan. Totaling around {$12000.00} in payments. 

As of today XX/XX/XXXX the cards and loan information has not been reported to the 3 major credit bureaus ( TransUnion, XXXX and XXXX ). For the past 2 years the accounts balances, payments and other details have been rigorously reported 1 or 2 days after each cycle date but now without any valid reason the reporting stopped. 

My XXXX card was reported 48 days ago ( on XX/XX/XXXX ), my XXXX card was reported 39 days ago ( on XX/XX/XXXX ) and the loan was reported 36 days ago ( on XX/XX/XXXX ) ; this means that my accounts were not reported to the credit bureaus for the XXXX cycle dates. I have never experienced this situation with any other bank. 

VISA and MasterCard have specific requirements for the banks regarding credit bureau reporting.  XXXX XXXX clearly is not in compliance with these rules. 

I am in the process of financing a big ticket item purchase ( more than {$25000.00} ) and that is the main reason why I paid the XXXX cards and loan in full so my FICO, XXXX, and other scores will go up before completing the purchase. I have been waiting weeks for XXXX to do its job and update my information correctly. 

I called XXXX CSC on 4 different occasions last week. I was told the accounts information will be sent to the credit bureaus on XX/XX/XXXX, that didnt happen. Then I was told to submit a dispute ( which I did ), then I was told that the accounts will be updated 1 or 2 days after the month end. Didnt happen. Then a supervisor said it may take a week or even until XXXX for my dispute to be solved. Nobody from XXXX was able to find out why this is happening or tried to contact a credit risk Manager to get a response. I understand that sometimes the customer service center is just the first point of contact with a customer but they are not even capable of escalating a complaint properly. 

More frustrating is that this is an easy problem to be solved. I had a similar case with another bank. I called the bank, the rep transfer me to a risk area supervisor, the supervisor verified the system setup and found the cause, then transmitted my file again. Two days later my updated information was showing on the credit bureaus. 

I am sure that if my account ( or any other customer account for that matter ) was past due, delinquent or over limit, that negative status will be promptly reported by XXXX the next cycle. Is unfortunate that XXXX seems to discriminate the reporting time frame based on a good or bad status. 

Next Wednesday I am planning to complete my big ticket item purchase ( as I can not delay it anymore ) and I expect that XXXXXXXX XXXX will be able to resolve this situation and have my accounts reported to the credit bureaus by then.
Product: Mortgage

My mortgage Loan with BSI Financial ( XXXX : XXXX ) was recently transferred to XXXX XXXX ( XXXX ). I made my first payment with XXXX XXXX last month and they haven't updated my balance. At the same time BSI Financial is saying that I missed a payment. BSI wouldn't answer / reply to emails probably because they closed the account.
Product: Debt collection

Midland Credit hasnt followed federal evidence procedure XXXX in producing original wet signature on original debt instrument that contracts alleged debt. Furthermore with a cease and desist from both me and said entity this debt must be removed from my credit as it pertains to XXXX XXXX Midland Credit Management , Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX ). Any communication about a debt direct or indirect made to a CRA about a disputed debt that hasnt been validated is in direct violation of FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Department Equifax XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Legal Department, Subject : Request for Restitution for Inaccurate Credit Reporting and Failure to Conduct Proper Investigation I am writing to formally request restitution for the distress and financial impact caused by the inaccurate reporting of my credit information and the inadequate handling of my dispute by Equifax. This is in reference to Complaint # XXXX submitted to the CFPB on XX/XX/XXXX, concerning incorrect information on my credit report. 

Background In my complaint, I indicated that a charged-off debt, which has been on my report for XXXX years, is still being reported despite the statute of limitations for debt in New York being three years. Equifaxs response claimed that they could not locate my credit file for several stated reasons, none of which apply to my situation as I do have an active credit file and have been using my credit. 

Equifaxs investigation took longer than XXXX days to resolve, which is a violation of the Fair Credit Reporting Act ( FCRA ). The company responded with a final resolution on XX/XX/XXXX, well beyond the XXXX limit set by the FCRA. 

Legal Precedents Several key case laws underscore the importance of proper investigation and accurate reporting by credit reporting agencies and furnishers : XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) : The court held that credit reporting agencies must conduct a reasonable investigation when a consumer disputes information. This case highlights the responsibility of agencies to ensure accuracy and thorough investigation. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). 
XXXX. XXXX XXXX XXXX, XXXX ( XXXX ) : This case underscores the obligation of furnishers to investigate disputes and correct inaccuracies, highlighting the duties of information furnishers under the FCRA. ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) : The ruling reinforces the necessity for credit reporting agencies to conduct reasonable investigations into disputes to prevent inaccurate information from remaining on a credit report. ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D.N.Y. XXXX ) ). 

Request for Restitution In light of these precedents and the negative impact the inaccurate reporting has had on my financial situation and emotional well-being, I am seeking restitution in the amount of {$20000.00}. This amount is based on : Actual Damages : {$3000.00} for financial impacts such as increased interest rates or denied applications. 
XXXX XXXX : {$7000.00} for the distress caused by the inaccuracy. 
Punitive Damages : {$10000.00} to punish and prevent future similar actions