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

I received a copy of my credit report and I filled multiple disputes ( I havd attached documents to prove the multiple disputes I have filled ) about the following information that appears on my XXXX report, Experian and XXXX. 
The following inquiries are not accurate. XXXX XXXX, they reported the charge off on XX/XX/2023 but I already paid and verified the payment via XXXX XXXX XXXX XXXX  on XX/XX/2023. 
Please see attached and receipt for verification. 
According to the Fair Credit Reporting Act, I demand that these item be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

To : XXXXConsumer Account AnalystOffice of the Consumer OmbudsmanDear XXXX This was in regards to case number XXXX. The reason I am writing back this time is to Thank you and the office that you represent for all the assistance you have extended to me. I have just recieved a call today from XXXX XXXX Relationship Manager from Ocwen Loan stating that my case was already been acted upon after a very long time. It is you and your office that make them listen and do what is really right and fair for my case. I am already getting ready to file a legal case with Ocwen but I am glad I did contact CFPB first. I also realized by doing a litigation, it will cause me money and have to wait for a long time again for a resolution. I am very glad I did n't have to do that option anymore. This thing happened because of your assistance. I believed the only thing I am waiting is for them to do an accurate credit reporting, which I do understand will happen perhaps in the next 30 days. Again, thank you very much for the excellent service you have provided to me and for sure to many other people like me. 

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

Per XXXX XXXX XXXX XXXX XXXX  credit score, XXXX dropped my credit score XXXX points. This was significantly much lower than Experian which decreased my score by XXXX points. I want to have clarity as to why XXXX score is so much lower than other reporting agencies when the credit reports are identical and based on the credit same history. 
I have been penalized by XXXX  throughout their review and scoring whether its increase or decrease of my credit score. I need to understand why the great disparity when compared with other reporting agencies. Plus, too many excessive points, in general, are decreased from ones score without given the appropriate time to correct the issue. 
At this point, I feel its discriminatory and would like a thorough investigation of XXXX practices and rating of my credit history. 
Thank you for your prompt attention to this request.
Product: Vehicle loan or lease

When looking for financing to buyout my vehicle at the end of the lease, I relied on the buyout quote from XXXX XXXX XXXX XXXX website that said that the buyout amount quoted " includes any sales tax ( if applicable ). '' I understood that to mean that any sales tax would be included in the buyout amount. In talking with the dealership from whom I purchased the vehicle, they confirmed my understanding In finalizing my financing, however, I learned that what was stated on the buyout quote is wrong, and that I would need to contact the XXXX XXXX. When I called a manager at XXXX XXXX XXXX to discuss the problem and how as a consumer, the language was not clear, I was told " too bad... we do n't want your advice ''. Now, with less than two weeks left, I have to redo all of my financing because I had not anticipated any sales tax in my budgeting.
Product: Checking or savings account

This is about the settlement funds it said if I had a account between XXXX XXXX I should be eligible to receive settlement funds
Product: Mortgage

The Specialized loan Servicing, LLC ( " SLS '' ) took over my loan in XX/XX/XXXX and immediately began adding a unexplained {$15.00} " fee '' to my monthly payment. I ignored the unexplained fee and kept paying the amount due absent the fee. Subsequently, SLS added more fees and put me in default for not paying the fee. The last letter from them dated XX/XX/XXXX says " Notice of Default '' and " Intent to Foreclose '' although I am not even 3 months behind according to them. 

The worse part is it is not possible to get anyone on the phone to determine how much they are saying is due and what the fees are for. All you get is an option to " speak to a representative for a fee ''?!?!? 

This looks to me like another attempt to nit pick me into default and steal my equity. I had similar problems with XXXX XXXX, XXXX and now this SLS all on the same loan which each has took a turn trying to cheat me. I think when each sees I am not going to be an easy target they sell the loan to the next " shark. ''
Product: Debt collection

Auto finance company called my phone 5x in a row back to back for a bill overdue less than XXXX weeks. Also called my job the next day and was extremely rude to my coworker after she ( my co-worker ) advised the company representative it was not allowed for them to call about this. Not to mention, the company rep did not disclose the company she represented fully, only gave part of the business name ( the company is Nicholas Financial, when my coworker asked where she was calling from she would only say this is Nicholas ).
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still accounts that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She reviewed XXXX XXXX  report and found a fraudulent inquiry from Discover bank XX/XX/2018, and again XX/XX/2018 that she never authorized. An official dispute of this information was mailed to Discover bank XX/XX/2018. Discover bank replied with a letter that denied the dispute of the fraudulent inquiry claiming that because my client did no reply to an email and because her personal information was on an online application the inquiries can be listed as accurate. This is a violation of the FCRA and my clients federal consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8200.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting bank XXXX XXXX XXXX XXXX XXXXXXXX, has vioted 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 funish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiries and 2 fraudulent accounts in my report
Product: Debt collection

I have call and asked this Collection Agency, Diversified Consultant to remove a collection of {$170.00} from XXXX XXXX XXXX they claim they have the authority to collect. The first time I called they could n't find that I owed a debt and the second time I called they told me that they had an account but my Social Security Number did n't match the XXXX they had on the account. 

This is not my debt I have never had any type of service with XXXX XXXX XXXX. I asked for a verification of the debt and ended up talking with a Supervisor named XXXX XXXX direct phone # XXXX. 

XXXX was very helpful and informed me that the Social Security # associated with this collection account was different than mine.He said they would remove/delete this collection from all XXXX of the Credit Reporting Agencies XXXX, XXXX and XXXX XXXX if I would fax them some information. 

He instructed me to fax front page of my Credit Report and the page showing the Collection Account. In addition to fax a copy of my Driver Licence and Social Security Card. 

I complied and faxed those items he listed to the fax number he gave me XXXX. That phone number is not a fax number but goes to a vice mail box message. 

I have called Diversified Consultant XXXX more time to confirm the fax number and was told both times that is the correct fax number. I ask them to call the number from a phone and it goes to a voice message. I am frustrated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and I havent received any investigation results.
Product: Credit card

I need Capital One Bank to send me a letter verifying the last credit card account I had with Capital One Bank that was closed and the amount I currently owe Capital One Bank for the closed credit card account. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account several times, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file listed below. 
XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On Saturday XXXX XXXX XXXX. I was going over my bank statement for XXXX and noticed two unauthorized charges on my account from merchant XXXX XXXX  charge was XX/XX/XXXX for {$6000.00} and other another charge on XXXX XXXX XXXXor {$3100.00}. A total amount of {$9200.00}. I contacted Chime Bank to report a dispute for the unauthorized charge but was denied my dispute within a few hours without given temporary credit. I feel that my claim was an error and I would like to reopen my claim. 

Company : Chime Bank XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting a account on my credit report that does not belongs to me.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Attention : Complaints Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Stellar Finance , Inc. ( StellarFi ) for reporting inaccurate information to my consumer report without my permission. This action has caused significant damage to my credit and has resulted in financial harm. 

My name is XXXX, and I recently engaged with StellarFi services under the XXXX account. Despite my explicit instructions and without my consent, StellarFi reported my personal information to consumer reporting agencies, leading to inaccurate entries on my consumer report. 

This egregious violation of privacy and gross negligence on the part of StellarFi has severely damaged my credit and undermined the trust I placed in the company. I demand immediate and extreme expedited action to rectify this situation, including : Confirmation that all inaccurate information reported to consumer reporting agencies has been retracted and removed from my personal consumer report. 
Assurance that my personal information will not be shared with any affiliates or third parties without my explicit consent in the future. 
A comprehensive explanation of the protocols and safeguards in place to prevent similar privacy breaches in the future. 
Swift and tangible measures to rebuild trust and rectify the harm caused by this violation. 
Failure to comply with these demands will compel me to pursue legal action against StellarFi to seek restitution for the damages incurred. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to ensure that consumer rights are protected. I appreciate your attention to this urgent matter and look forward to a prompt resolution. 

Please acknowledge receipt of this complaint promptly and provide updates on the status of the investigation. 

Sincerely, XXXX XXXX : Evidence of StellarFi improper use of my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive put in several disputes to Transunion directly, to correct the misspelling of my name, incorrect employer info and to have XXXX accounts that have either been discharged/cancelled by the creditor ( I have cancellation of debt receipts to prove it and have sent them in to transunion ) or there are accounts over 7 years old and should have been removed already, even according to transunion a ETA for when the debt will be removed. This is causing a 50 POINT difference in my transunion score from my XXXX and XXXX score.and Every time a dispute is pushed through, I go to check the status and it tells me I have no active disputes. I have never received a notice by writing, phone call, or email, with dispute results. Ive just never heard back from them, ever. Transunion is supposed to answer within 30 days and has never answered me in over a year.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$34000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Breau Equifax Credit Reporting Breau XXXX Credit Reporting Breau I have made numerous attempts since 2018 to have Fradulet information removed from the credit Breaus I have sent certified identity theft reports I have sent certified police reports they have not followed the law An block these items from my report They place them into dispute to keep a long process going iam in the process of speaking to a lawyer now for damages, time wasted! an to hold them accountable for not following the FCRA
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear LVNV, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), and Missouri Revised Statutes, specifically Section XXXX, which covers identity theft. 

It has unequivocally come to my attention that LVNV has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, Missouri law, under Section XXXX of the Missouri Revised Statutes, emphasizes the gravity of unauthorized access and misuse of personal information, particularly in cases of identity theft and fraud. This statute further underscores the importance of ensuring that consumer information is handled lawfully and only with proper consent. 

I assert with unwavering certainty that I have not provided consent for LVNV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that LVNV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws under Missouri Revised Statutes XXXX XXXX XXXX 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

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

Pursuant to 15 U.S. Code 1681cXXXX - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Credit reporting or other personal consumer reports

Hello, Please refer to the attachments pertaining to XXXX XXXX Experian data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Didn't receive any notification from XXXX that I was behind on payment.
Product: Bank account or service

What justifies CEO XXXX XXXX To get such a large increase in salary and all the other Executives in JP morgan banking. To have a XXXX dollar salary is not justified to throw at someones salary. HOW MUCH IS ENOUGH. Charge higher rates on credit cards, higher rater on ATM fees, higher rates on small buisness checking accounts, mortgages etc, so the people trying to makie a living go in to debt and all the chase excutives live like XXXX.WHAT IS WRONG WITH YOU PEOPLE HOW MUCH IS ENOUGH. HELP THE LITTLE PEOPLE.
Product: Student loan

Paid student loan payment XX/XX/2020. Requested a refund per the CARES Act. Fedloan Servicing saying it will take 60-90 days. This is unacceptable practice. See below correspondence. 

Thank you for contacting FedLoan Servicing! 

A request was submitted to refund your payment received XX/XX/2020 in the amount of {$840.00}. Please allow 60 to 90 days for the payment to be received. 

Please use the " Contact Us '' link through your online account at MyFedLoan.org to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through