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

I am writing to formally dispute the above-referenced XXXX account that appears on my credit report. This account is fraudulent and the result of identity theft. I have previously submitted disputes regarding this account in XX/XX/year> and XX/XX/year>, along with supporting documentation, including a local police report and an FTC Identity Theft Report. 

Not only did you reinsert this account after its initial deletion, but you also failed to comply with my reinvestigation requests, as required by the Fair Credit Reporting Act ( FCRA ). Your actions indicate noncompliance with the standards set forth under FCRA and have caused undue harm to my creditworthiness. 

Under 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are obligated to provide me with a detailed notice of the reinvestigation results and the sources of information used to verify the account. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if an account is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected, and the furnisher must be notified.

As per FCRA 605B ( 15 U.S.C. 1681c-2 ), subsection ( a ), I am demanding that the account be deleted from my credit report within four business days. Please note that I have attached a copy of the original dispute letter I previously sent via certified U.S. mail for your reference.

I formally request an immediate and thorough reinvestigation of this account and correction of my credit report to reflect its fraudulent nature. Additionally, I am requesting that you provide me with a detailed explanation of the reinvestigation process you undertook, including but not limited to : All documents, records, and communications used in your reinvestigation of the disputed XXXX account. 

A detailed description of the steps you took during the reinvestigation. 

The results of your reinvestigation, including any correspondence or communications between XXXX and your company. 

Failure to comply with these legal requirements will constitute a violation of the FCRA, and I will consider pursuing all legal remedies available to me. Please send all correspondence related to this dispute to the address provided above or via the email address listed. 

I appreciate your prompt attention to this matter and look forward to receiving the required documentation and resolution of this issue. 

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

Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

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
Product: Debt or credit management

I paid fees for Credit repair services, but the company did not repair or do what they said they would do as far as services that I was charged for
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$720.00} XXXX {$340.00} XXXX {$530.00} XXXX {$430.00} XXXX {$720.00} XXXX {$430.00} XXXX {$1600.00} XXXX {$430.00}
Product: Bank account or service

I discovered that {$25000.00} was transferred from my checking account to my Scottrade account without my approval. I contacted Scottrade and was informed that I would need to fax in a wire transfer form to get the money returned to my account. Later, I was told that I would need to wait XXXX business days before they could return my money. Because my overdraft protection was only good up to {$500.00}, my bank said that they would reject the transaction and return the money to my account since I was overdrawn by {$4000.00}. 

My bank was gracious enough to waive all the fees associated with this transaction. Scottrade, however, sent me a letter blaming me for this incident ; saying that I had inadvertently disclosed my account credentials or had a malicious virus or spyware on my computer and wanted me to sign an agreement that would basically blame me for any future security breaches if I did not change my password every month. It turns out that it is totally their fault because last XXXX, someone hacked into their eCheck secure and stole everone 's information. I am now requesting that my Scottrade account be terminated. I have also placed a security freeze on my credit at XXXX XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Service is reporting an account from XXXX XXXX that is not mine. This is the same account that they were recently reporting on my dad 's credit report with the same account number, same balance, same open date, same last active date, etc. All information is the same. This account is not mine. The company can not move an account from one person to another person. Note, my dad and I have the same name. However, the suffix at the end of our name is different and all other identifying information such as SSN and date of birth are different. This company needs to get their records straight or be sued!
Product: Credit reporting or other personal consumer reports

I contacted XXXX regarding the freeze lift and it has yet to be done and also the credit bureaus are reporting incorrect credit information. All three bureaus are consistent with there reporting. 

Since file a case of racketeering these XXXX members have gone above and beyond to make my life a living XXXX. 

Please, call you assist me with this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Equifax fraudulently reported that a vehicle, which I did not own, was repossessed. The facts are completely in error, and the credit reporting companies have used my name and information for commercial purposes without my consent. 

I have attempted to resolve this matter, and as of this date, the credit bureaus have either not responded, or they have intentionally refused to provide any documentation to refute my claim, or show proof that my claim is without merit. 

I am prejudiced by this entry, as it is fraudulent, and no company or credit bureaus seems willing to correct their errors of fact. This matter is now more than seven years old and they are still reporting misleading and erroneous fraudulent information. As a result, my car loan interest rate is at an exuberant rate which I need in order to continue to earn a living. I am close to homelessness where I have to choose to find a closer job. 
In accordance with the Fair Credit Reporting Act ( Equifax ), Acct No. ( XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.
Product: Checking or savings account

XX/XX/year> A transaction for {$4000.00} came out of checking account. Requested help from bank which was unsuccessful. 
The transaction was not caused by me, and I tried to seek assistance to help get the money back but was told that there was nothing that could be done.
Product: Debt collection

Today I reviewed my credit report and discovered that this company has reported that i owe the a debt. However, I did not receive any written notice from them within XXXX days of their initial contact, which should include the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt within XXXX days. 

Violation of FDCPA : According to Section XXXX ( a ) of the FDCPA, debt collectors are required to send a written notice within XXXX days of the initial communication. This notice must inform me of my right to dispute the debt and request verification. [ Debt Collector 's Name ] has failed to comply with this requirement. 

Impact on Me : Due to the lack of proper notification, I have been unable to exercise my right to dispute the debt or request verification, which has caused undue stress and confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several unauthorized inquiries on my credit report. I filed a FTC report on XX/XX/2022 and I feel like my rights have been violated. Please fix these errors with XXXX, Equifax and XXXX. 

Attached : FTC Report
Product: Credit reporting or other personal consumer reports

my current phone number is not set as primary number i found it difficult of verification
Product: Mortgage

My complaint centers on a " decline '' credit decision by SoFi Lending/Mortgage without notification on the reason for their adverse credit decision. It is my understanding as a banking professional with 12 years of consumer and commercial lending experience that by law ( such as Reg. B, Fair Credit Reporting Act and HMDA ) a federally insured lender must inform an applicant on a credit decision within 30 days of receipt of a complete package and in cases where the credit decision is adverse ( such as a decline ), they must inform on the reason. Thus far no reason has been provided after initially receiving an " approval. '' My emails, voicemail messages and other forms of communication have been ignored. Based on my professional experience and on the fact that I have been approved for the same mortgage request with a different ( local ) lender, some form of bias or other type of discrimination has taken place. I would welcome the opportunity to discuss further. It is my fear that SoFi Mortgage is not abiding by federal regulations.
Product: Checking or savings account

I have been trying to get exact identity requirements since XXXX 2024. After having gone to the notary all I need, according to XXXX is a telephone check with a code. 

I do not know EXACTLY what kind of telephone service I need AND if I need an internet connection in the USA. I am a dual XXXX XXXX XXXX XXXXXXXX citizen. The bank will not accept my XXXX  telephone number or email. 

In XXXX I expect to be at my XXXX address. Must I install a landline, wifi, XXXX telephone or will a prepaid do the trick and what about Internet? Do I have to have all that also in the XXXX just to close the account and transfer the amounts to another XXXX bank? 

Half a year ago they transferred x and y cents ( a trivial amount -- can't remember the exact dates and amounts ) to my account at XXXX XXXX. I verified the amounts and days deposited but XXXX said they were unable to verify my identity. 


Please help me to close the account and transfer the money
Product: Credit reporting or other personal consumer reports

I Have addresses Reporting to my lexisnexis report that are INACCURATE my correct name and address is XXXX XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX. I request that the following names, birthdays and addresses associated with XXXX be deleted from my Lexisnexis report XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX  XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Birthdays : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. After several of my identity documents were stolen I found several accounts opened without my knowledge or approval. I have since filed a police report and have attached a copy of the police report to this complaint. I have also attached a dispute for each fraudulent account to this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding XXXX XXXX  handling of my account and the inaccurate reporting by the credit bureaus XXXX, XXXX, and TransUnion. The issues I am experiencing with XXXX XXXX  are causing significant and undue harm to my credit and personal well-being, and I respectfully request the CFPB 's assistance in resolving this matter.

Account Details : Issuer : XXXX XXXX  Account Number : XXXX Reported Amount : {$2900.00} Date Reported : XX/XX/XXXX Account Status : Closed/Charged Off ( XX/XX/XXXX ) Key Issues : 1. Inaccurate Reporting of Account Status : Despite the account being marked as Charged Off since XX/XX/XXXX, XXXX, XXXX, and TransUnion continue to report it as derogatory. This is misleading as XXXX XXXX  has been informed of the circumstances around the charges on this account.

2. Theft and Disputed Charges : My vehicle and credit cards, including my XXXX XXXX, were stolen in XXXX, Missouri. Following this theft, unauthorized charges were made on my XXXX account. I reported this to XXXX XXXX, yet they have refused to acknowledge the theft and disputed charges. 


3. Mixed Communication from XXXX XXXX  : XXXX recently indicated they are considering issuing a 1099-C form to potentially forgive the debt. However, they have also stated that they still intend to pursue legal action against me for this disputed debt, which has left me confused and without clear direction.

4. Request for Accurate Credit Reporting : I am asking for CFPB intervention to ensure XXXX, XXXX, and TransUnion remove the derogatory status from my credit reports. The charges were disputed and resulted from theft, which XXXX XXXX  has refused to appropriately address or resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid in full in XX/XX/XXXX, and XXXX XXXX has been reporting since that I have a high balance of {$490.00} on the card every month to XXXX and Equifax. This is not correct, and is lowering my credit score by almost one hundred points. They refuse to take any action via phone, leaving only the option to send a letter, which I have done as of XX/XX/XXXX.
Product: Student loan

I originally had my student loans through XXXX XXXX XXXX, but received an email that they were being transferred to EDfinancial. Since being transferred, none of my payments I made with XXXX have shown up on EDfinancials website. I also was made aware of being able to be refunded for payments made after XXXX of XXXX. I made a phone call initially on XX/XX/XXXX to EDfinancial to inquire about being refunded, and about my previous payments to XXXX not showing up on EDfinancials website. I was told that they didnt know what I had paid, but that I could be refunded in about XXXX days. I called back again to EDfinancial about XXXX weeks later to ensure that my refund request had gone through. I received the same answer of XXXX days, and they still had no payment history. This is unacceptable and quite frankly seems fraudulent on EDfinancials end. I would like my payment history reflected, along with a refund date and confirmation of a refund request. I was given no way of tracking anything.
Product: Vehicle loan or lease

I got a XXXX XXXX XXXX XXXX XXXX at this place back in XX/XX/XXXX, I was charged a cash deposit, a high interest rate of about 19.49 %, and they made me buy separate car insurance. I was making my payment on time until around XXXX of this year ( XXXX ) where i then asked them if their company offered a hardship program that would give me an extension on the car lease to give me time to finish the agreement, they requested documentation of my situation for which i obliged. 
They responded with 1 deferred payment of 2 weeks and 2 weeks later i was making the same payments that were my original payments in the first place, funny thing is i have never asked for a hardship program before so i was hoping they would work with me. 
Every time they called i answered and i have tried to stay in honor with the contract, by continuing to pay as i could for as long as i could. XX/XX/XXXX i am still letting them know that i am having a hard time but they didn't care asking if there was anything else they would do so i would go into default and they said no, imagine my surprise when i wake up XXXX day of XXXX and my car had been repossessed, they said i am 25 days behind and that to get the car back i would need to sign a new contract with them to see if they would like to move forward with this but there is already a contract so what are they talking about? This sounds like they are trying to recontract me in a new contract. Why are these companies allowed to do this to people, I've never received any notice at all that the car was being repossessed and there has been no communication via email, they are always so hostile with me when i am just trying to get information. I've been hung-up on many times that i am afraid to call them ; they escalate situations when it's not necessary and are very unprofessional. I will never deal with this company again. They did not inform me that i had a right to rescind this contract at any point of doing business with them and then i went to pick up my items at the XXXX XXXX at XXXX XXXX XXXX in XXXX Tx where they were holding my items XXXX and they had me sign a release of the vehicle stating that i am volunteering to give them back the car. This is a public notice that all contracts are here by rescinded with XXXX XXXX and its finance company XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code {$1600.00} c-2 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. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM EXPERIAN
Product: Money transfer, virtual currency, or money service

I received a notification about the closure of my XXXX exchange account. I had been trading there for about 7 years and had never violated any rules. XXXX refuses to explain their actions or discuss them. Here is their email : " Hello XXXX, We regret to inform you that we have closed your XXXX account. 

For security reasons, we are unable to provide you with the reason why and discuss this matter further. 
We apologize for this inconvenience and appreciate your understanding. 

Regards, XXXX XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

I have reached out to your company, you can see how many time I submitted a claim, as well as Equifax. I am trying to understand how this is possible to allow a company to continually allow false items on MY credit report? I have submitted paperwork from the IL Bankruptcy courts as well as a police statement. These documents was submitted both here on this site as well as Equifax, yet they are still on my report. Should I get a lawyer to sue you and Equifax? What is it going to take to get this resolved? What else needs to be done? This has been on my credit report since XXXX! - Three years later it is STILL here!
Product: Checking or savings account

Bremer Bank is discriminating against me because of my race, me being XXXX XXXX XXXX XXXX ) by denying me an opportunity to apply for credit and open up a checking account with Bremer Bank online and in person. Bremer Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.15 USC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
I sent dispute letters To Transunion, XXXX and XXXX on the following dates XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I haven't received any response from the 3 credit bureau 's listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested a copy of my consumer credit report for Experian. I also requested for a copy of my consumer credit file. The sent the credit report. They did not send my consumer credit file. So I am sending this complaint so I can get a copy of my consumer credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to have my report corrected as they have recently experienced a credit breach in which they are unable to verify who was affected by the breach. They are in direct violation of 15 usc 1681 A 3, and 4. I am not making a dispute. I am demanding me report is cleared of all derogatory/negative information and or items. 

Thank you.
Product: Vehicle loan or lease

I used XXXX  XXXX XXXX  to get pre approved by various companies possibly, for a small loan. The pre approval was given with a reference number and aprs were displayed under vehicle prices and info. Westlake shows one rate, such as 11 % and you click to expand the information while signed in and it magically doubles or triples. I spoke to XXXX  XXXX who said this is a specific to Westlake problem and I agree, no other companys XXXX changes when I click through to get the dealer phone number and info. I called west lake spoke to XXXX people including XXXX XXXX and they told me this is not a glitch, it's also not a bait and switch because it depends on my down-payment and credit score. I said yes I know that's why I'm pre approved it shows directly on the page my account, the pre approval that's the only way to see APRs, they are specific to your account after running your credit. I mentioned at least a dozen times the term " bait and switch '' and the man kept asking me my fico score. It doesn't matter the company pre approved me and changes its apr that it displays, doubles or triples it and the displayed rate changes on the expanded page on the same account, same credit, same terms. Bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX 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