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

Back a few years ago, a friend used my name and address to obtain credit in his name. I was listed as a co-signer / authorized user. The  Visa Credit card account was finally closed with a balance. My friend and I agree since we both used the card, to pay off the card balance. Since the Visa Credit card was in his name and he paid half, I agree to pay the remaining balance. I moved out of state while to continue to pay the balance off. The statement was going to his home in  XXXX  and I asked Navy Federal Credit Union to send the statement to my new addr ess in  XXXX . I never gave my friend my new address, but I started to get pre-approved credit offers in the mail. I aske d Navy Federal Credit about this and their response w as " Subject : Privac y, Navy Fe deral Response  XXXX / XXXX /   2017  : Thank you for your messag e. Navy Federal protects the confidentiality of  your personal financial information. We do not sell your information. We only share information with nonaffiliated third parties when necessary fo r Navy Federal business purposes. For example, we share information with consumer reporting agencies. We may also share information with others to process   transactions, to offer products or services approved by  Navy Federal, or to  comply with laws. When we share your personal information with others, strict confidentiality agreements and laws assure that your information is pr otected. Navy Federal  is fully committed to the privacy of your personal financial information.     Your Message  XXXX / XXXX /   2017  : I am join owner of a  CLOSED Navy Federal  Credit Card  XXXX   XXXX   XXXX   XXXX  and I asked that you 'll send the paper bill to myself being that I was paying the bill. What I was n't expected is tha t Navy sha re this information thru some finanical system. I am now getting mail for  XXXX   XXXX  at my current address. Can you stop sharing my information with his name attached to it or please give me some advice in order that I stop receiving  his BAD m ail.      Navy Federal Credit shared my a ddress with  XXXX  of their third party who activated something in the financial system to send his bad collection notices and pre-approved offers.
Product: Credit reporting or other personal consumer reports

Tracking Number of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ XXXX. What Happened : On XX/XX/year>, I submitted a formal dispute to Experian and XXXX regarding inaccurate credit report entries related to fraudulent agreements tied to XXXX XXXX ( Account Number : XXXX ). These agreements were based on the unauthorized reuse of my electronic signature by XXXX XXXX XXXX and accepted by XXXX XXXX without my consent, violating multiple federal laws. 
In response, Experian denied my dispute on XX/XX/year>, despite providing : XXXX audit trails proving unauthorized signature reuse. 
Documentation of fraudulent contract modifications accepted by XXXX XXXX. 
Evidence of my previous disputes with CFPB Reference Numbers : o # XXXX ( XXXX XXXX ) o # XXXX ( Bobs Discount Furniture ) Experian failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). Instead, they requested excessive personal information, including : A copy of my government-issued ID.

Utility bills and proof of addresses for the past two years, which is excessive considering the dispute relates solely to XXXX XXXX fraudulent reporting. 
I provided all necessary documentation, including my identification, but Experian still denied the dispute without properly investigating the fraudulent claims. 
2. Laws Violated by Experian : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) Section 1681i ( a ) : Failure to Conduct a Reasonable Investigation Experian failed to perform a proper reinvestigation of my dispute, ignoring clear evidence of fraud and relying solely on XXXX XXXX verification without independent validation. 
Section 1681e ( b ) : Failure to Maintain Accuracy in Credit Reporting Experian continued to report inaccurate, incomplete, and unverifiable information even after being notified of the fraudulent nature of the XXXX XXXX account. 
Section 1681c-2 : Right to Block Information Resulting from Identity Theft or Fraud Despite providing evidence of unauthorized electronic signatures, Experian refused to block the fraudulent information from my credit report.

Section 1681i ( a ) ( 6 ) ( B ) : Failure to Provide Adequate Explanation for Dispute Denial Experians denial letter lacked a detailed explanation of the reinvestigation process or the basis for rejecting my dispute, violating the FCRAs disclosure requirements.
Product: Debt collection

I am a victim of identity theft I notice an account was open in my name without my knowledge or consent I have filed a police report at the local sheriff office
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts and addresses as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$920.00}
Product: Credit reporting or other personal consumer reports

you have violated my federally protected consumer right. under the 15 USC 1681 ( A ) PLEASE REMOVE IN VIOLATION OF 15 USC 1681c- 2 ( A ) WHICH VIOLATED 15 USC 1681C ( D ) INACCURATE KEY FACTOR INFORMATION.
Product: Vehicle loan or lease

On XX/XX/XXXX, I financed a XXXX Toyota XXXX XXXX with Toyota Financial Services Account number XXXX. This letter is being sent to you to make you aware that I am aware that my purchase for the XXXX Toyota XXXX XXXX was a credit transaction action and therefore should not have included a deposit of cash in any amount according to 15 United States Code 1605 ( Determination of Finance Charge ) A ( 6 ). 
I would like to dispute this incident without filing suit and here are a list of remedies I would like receive for my consumer rights being violated : 1 ) Refund of my deposit in the amount of {$1500.00}. 
2 ) Remedies in the amount of {$1000.00} for every year I've own the vehicle Purchased XXXXSold XXXX ( 15 U.S. Code 2310 Remedies in Consumer Disputes ) To resolve the problem, I would appreciate if your company would review my dispute and concerns in detail and take the necessary steps to understand my disbelief with your Finance Department who is aware I made a consumer credit transaction and should NOT have been required to include a cash deposit. 
I look forward to your reply and a resolution to my problem and will wait until XX/XX/XXXX, before seeking help from my state consumer protection office or other assistance. Please contact me at the above address for any information you may need. To conclude I have include a copy of the original purchase contract for your review.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First off they have been reporting my student loans as late and they have never been late they have inquiries hard inquiries on there from real estate companies that I don't know where they came from cuz I haven't applied for any house because I'm on XXXX XXXX  and I've been disputing and trying to get them to get it right for the longest my credit score is not what it should be and I'm just so tired of dealing with them is stopping me from doing a lot of things they give me a credit card offers that they say I'll be approved for and I never be approved I'm always denied they lie about a lot of offers and I'm always denied I need help with my credit because I'm trying to further my future and I need my credit to be straight I have a school on there where my identity was stolen and they were supposed to take it off so many years ago and they still have not the school was found in delinquent of overcharging students as it was but I'm not the one who got the student loan and it was from the XXXX XXXX XXXXXXXX so I'm asking for help please I'm tired of dealing with them they don't do anything they're supposed to do at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and XXXX XXXX and asked them both to remove this account from my credit report. 

This is on the wrong XXXX XXXX XXXX account or my identity has been used by another person in two states. I am not sure but the attached documents that I received from the FDIC that were forward to them from XXXX XXXX the president of XXXX clearly proves that this account is not mine. 

This account was initiated in a state that I never lived in. The so-called product was delivered to another state that I never lived. 

Why would they even issue credit to this person? A person that gave them 2 different addresses. A person that used 3 different cards and one declined. It doesn't make since. 

I contacted Equifax, XXXX and XXXX  numerous times and I was told this account was validated. I asked them all for the documentation that they used to validate this account and if these are the same documents that they used to validate this account. It is apparently not me. They have placed this in the wrong XXXX XXXX XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize theses inquiries and want this off my credit report
Product: Debt collection

I was never contacted by Cavalry Portfolio Services. They placed an account that was already in dispute with the Credit Bureaus as not mine on my credit as a collection account. If i would have been contacted by them they would have known the account was in dispute because i have no knowledge of it. I will not be bullied in to paying for something that i have no knowledge of ... ... this account was never validated. <P/>Cavalry Portfolio Services XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account and balance that do not belong to me. Specifically, it is a XXXXXXXX XXXX account ending in XXXX. I have provided all necessary documentation, yet Equifax has repeatedly removed this account from my credit report only to reinstate it multiple times. They have failed to remove it within the allowable time limit and have violated several rules and regulations. This account and balance do not belong to me.alance do not belong to me.
Product: Credit card or prepaid card

I called capital one on XX/XX/2018 at XXXX and tried to have account closed. 
They told me I could not close the account and that it was restricted. 
I can not make payments nor close the account. 
I requested an arbitration hearing as well.
Product: Credit card

I applied for a credit card at my bank and was turned down. I received a letter that they turned me down because of XXXX. I called and asked what were the main reasons I was turned down or how to get the main reasons. they said I had to go to the bank to find out. I am XXXX and do n't drive in essence cant get to bank. bank would n't help me.
Product: Credit reporting or other personal consumer reports

Collection account reported for amount {$520.00} by National credit system last reported XX/XX/19. Does not belong to me, Ive disputed this info and has not removed.
Product: Mortgage

Applied to refinance existing mortgage. Provided documents asked for including XX/XX/XXXX and XX/XX/XXXX tax returns and XXXX. I wanted the mortgage refinanced based upon mine and my wife 's retirement income. The tax returns shown sources of income/loss other in addition to our retire income. The losses were due to horse business. In XX/XX/XXXX my wife had some health issues and we decided to close the horse business. Because we closed the business during the year we still detected from our XX/XX/XXXX income taxes. The underwriter wants to continue to use this in their income to debt ratio calculations even though we have provided a letter that states we are no longer in the horses business. In addition the XX/XX/XXXX tax return shows income from an employer which they do not use in their income to debt ratio calculations. They are selectively picking data and ignore other data that is available.
Product: Bank account or service

My mother died on XXXX XXXX, 2015. I went to her bank on XXXX XXXX and took a death certificate and turned in her credit/debit card. I asked the banker what we would do about her funds ( checking and savings ) and they told me I would have to go through probate. So I hired an attorney and we did that. When the small probate action was completed I was told to open a checking account for my mother 's estate and to get an EIN number. I did that at a bank where I live. We faxed the documents to the bank in Oregon. I called them on the phone from my bank to let them know what I was doing. The manager of my mother 's bank said she would not honor the probate because my mother had something called a POD stating that she wanted her money to go directly to her XXXX daughters. I asked her why they told me to go through probate and she said she was not the manager at that time. I talked with the probate attorney and she subsequently called the bank and was told the same thing. I have tried for several days to call my mother 's bank but the manager will not return my phone calls. I have called their national call line but was told that they could not help me that I had to talk to the branch.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts listed below from my credit report. These accounts are fraudulent and were the result of a data breach, as I have no association with them. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information permanently removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH XXXX  AND TRANSUNION. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING XXXX DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed accounts with XXXX were deleted and are not on my credit report. These accounts should NOT be reporting with Equifax or XXXX either and need to be DELETED IMMEDIATELY. They are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of the XXXX report # XXXX is attached below to show proof
Product: Mortgage

Good afternoon, Since fifth third Bank bought my mortgage and my life been rough. Beginning of this year they had a problem with me saying that I missed 3 payments. While actually all the 3 payments were out of my account. I struggled so hard to reach out to someone from their office to understand and help me because my credit score dropped and they were taking me for foreclosure. I had to get and pay for a lawyer for them to understand the struggle and help me out. However, that problem with fixed after the lawyer with involved and I was back on my monthly payments. All my payments are auto pay which means they are eligible to deduct it from my account and they do. I have family to take care oversees I went this past summer came back and again I get mail from them saying that I missed a payments and I'm charged late fees and I have three late payments which made my credit score dropped so bad. I don't understand how if I have my auto payment on and you guys charge me monthly and I have late payments! I have my all my payments record. I don't want to go pay for a lawyer again to get this fixed! This company is stressing me out!
Product: Mortgage

I purchased a home on XX/XX/2020, and there was no information provided regarding the transfer fee ( {$7000.00} ) or monthly fee ( {$350.00} ) for the country club that the property is apparently part of. I am not sure who to talk to about this, so Im reaching out to you.
Product: Credit card or prepaid card

We received a US Bank Reliacard PA in the mail to our address with another person 's name, whom we do not know. We have been unsuccessful in contacting US Bank Cardholder Services to alert them of the receipt of this fictitious card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reported a debt that I do not recognize. I also see multiple inquiries from XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The fraudulent names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The false addresses XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX. The fraudulent Social Security number XXXX ; XXXX. The false telephone numbers ( 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: Mortgage

it is my understanding that the mortgage company has to provide 30 days notice when changing service providers. However, I received a letter on XX/XX/2022, that FreedomMortgage has transferred the loan effective XX/XX/2022, to XXXX XXXX XXXX XXXX XXXX XXXX. In addition, the letter was dated XX/XX/2022. Since I have ACH/electronic payment scheduled, I may have to pay the mortgage twice.