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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I have some unauthorized inquiries and some addresses on my credit report I would like removed. Inquiries : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Addresses : ( 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 According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$940.00} XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am the executor to my uncles estate. 
We have spent the entire last year rehabbing the home so that we could sell it. It was a hoarders home. 
I have asked the mortgage companyShellpoint Mortgage, twice in the last XXXX XXXX  to send me the payoff information so that I can forward it to the title company XXXX XXXX. They told me both times it would take up to XXXX business days. I did not receive either of the said sent emails. I checked the email address with them and it is the correct one. I called them back today, again to get the information only this time were going to fax it directly to the title company. Again, its going to take up to XXXX business days. I can only guess that its gon na take XXXX days because theres XXXX more days of jacking up the monies due. 
I believe this mortgage started out at about XXXX give or take. It is now up to XXXX but the title company can not take a verbal. I know we didnt make payments over the year and I know theres late fees and all that good stuff. But they know this is an estate! They know the owner has passed away. And they know we didnt have the money! my uncle was not a rich man and neither are we. 
Is it actually legal in an estate to charge that much money? 
With all that being said, my big complaint is the fact that they keep lying to me and theyre not sending the information to the title company or to me. And in my eyes, all thats doing is taking the monies that are due up even higher. 
Is there anyway in this crazy greedy world that we can resolve this? 
I thank you for any and all help
Product: Checking or savings account

Lost my job due to covid-19 can't pay my overdraft
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX  XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

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

I went through bankruptcy recently and 1 account I kept from XXXX is showing that during my bankruptcy filing I was 150 days late for payment. I did pay my account and its even in good standing. Credit union says it reported it was always on time but Experian and XXXX shows it was 150 days late. Tried to reach a live person from both bureaus with no success. Maybe during bankruptcy account was not reported for several months and thats what triggered no payments made on account
Product: Mortgage

I contacted Lending Tree ( XXXX XXXX ) about getting quotes for a Home Equity Loan in the state of Texas. I was assured by the privacy statement and disclosure rules that my information would be shared with up to 5 partner companies to get home equity loan offers. Instead, it turns out that none of the affiliated lenders do traditional Home Equity Loans, but every call and email I received from their partners was for a cash-out refinance, which is a completely different product. This is incredibly deceptive. My personal protected information was shared with five other parties without my consent, because I did NOT request cash-out refi quotes, I requested Home Equity Loan quotes. Every representative I spoke to on the phone was clear that their companies do n't offer Home Equity Loans or HELOCs in Texas, and that Lending Tree always sends them cases like mine knowing full well that it 's a different product.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 an 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 or 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

On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was XXXX or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. Capital one continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. Capital ones liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month capital one sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.
Product: Credit card or prepaid card

- Failure to deliver offered 'services ' - autopay - to all customers - Policy to not automate use of rewards points to pay outstanding balances - Suspicion that they are intentionally complicating payment to drive up late fee revenue This is in regards to a Bank of America credit card. I tend to pay credit card balances in full on receipt. I usually set this up to happen automatically, either through the credit card company or by having the bill come to my online bank. I had been doing this with BOA until the last couple of years. Then this capability ceased to work. I could not get BoA to work through my bank or for them to do autopay. After repeated calls to get it fixed ( they were never very helpful ) I gave up. As a consequence I tended to use the card infrequently. Without the automated help, I've been occasionally late. When I notice, I then pay in full. They then still charge late fees ( {$28.00} ) when I have more than that in rewards points. Their policy of course is that I have to manually apply rewards points to the outstanding balance. 

I believe BOA is intentionally making it difficult for people ( at least me ) to stay current with my account in order to incur late fees. This could be a technique applied to people that try to pay in full. 

I have closed my account, but wish to make an issue of this. I contacted BOA and asked how to make a complaint to them - they declined to allow me to make a complaint or to send me the dialog of the chat session. The chat session was today ( XX/XX/2018 ).
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> A representative of World Finance in XXXX, Oklahoma Called one of my references to get a hold of me, and told the reference " to let me know that if I didn't get a hold of World finance company that my loan was to the point of getting my paychecks garnished, That I needed to call them and set up payment arrangements to avoid garnishment ''.
Product: Debt collection

Debt is paid, just want it removed from the XXXX bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraudulent credit activity, my identity has been used without my consent to obtain goods or services .I have owned a XXXX XXXX XXXX 17 years and disgruntled employees have submitted my name or used my identity.
Product: Credit reporting or other personal consumer reports

I can't believe you guys are taking advantage of me. I AM EXTREMELY UPSET The credit bureaus have not responded back to me about my investigation. This is a Very Serious Matter. On XX/XX/XXXX and XX/XX/XXXX I Disputed the accounts and on XX/XX/2023 I filed Complaint Number XXXX with the CFPB about inaccurate, unverifiable and fraudulent accounts that are reporting to my Credit Report. I've done 3 disputes with them and consistently have been ignored and made to feel as if my situation doesn't warrant the same treatment as others. I need these accounts that aren't mine to be removed from my credit report immediately! 

It's been more than 30 days and Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. 
The items I provided in my letters I am asking you to DELETE expeditiously or I will have to file Litigation due to the stress that has been caused to me. 

Attached is a copy of my DL, SS Card, Utility Bill, Notarized Identity Theft Affidavit, Police Report, and Notarized Affidavit of Truth. 

I also submitted this letter to my State Attorney General Office and The XXXX XXXX XXXX  and by Certified Mail to your Registered Agent to have confirmation of proof of delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX my information was affected in the Equifax Data Breach and my identity was stolen. I have had new open and closed accounts appear on my credit reports that is not mines and every time I dispute the incorrect information on my credit reports they are ignored by the credit Bureaus and the Creditors. I Have also filed multiple FTC Reports, and a police report with my nearest police station regarding this matter, that's why I am reaching out to the CFPB for this issue now. This has caused a hardship for my family and me. 

My XXXX XXXX credit report is the only credit reporting agency that is reporting the correct information besides the recent fraudulent inquires reported. I have uploaded my credit reports as of XX/XX/XXXX, along with my Real Identity info ( ID Card, SSN, Utility bill ) and Previous disputes letters that were recently ignored by the Credit Bureaus ( XXXX, Equifax ) and Creditors. 


XXXX along with the Creditors are reporting WRONG information such as accounts ( XXXX XXXX XXXX With the acct # XXXX with a high credit of XXXX XXXX XXXXXXXX XXXX XXXX XXXX the acct # XXXX with a high credit of ( XXXX ), ( XXXX XXXX XXXX XXXX XXXX acct # XXXX with a high credit of XXXX ) XXXX is also reporting an address that I have never lived at before with is ( XXXX XXXX  XXXX XXXX XXXX Texas XXXX XXXX which is also affecting my credit terribly. 

Equifax along with the Creditors are reporting WRONG information such as ( XXXX  Acct # XXXX with a high credit of XXXX ), ( XXXX XXXX XXXX Acct XXXX XXXX XXXX a high credit of XXXX ), XXXX XXXX Acct XXXX XXXX with a high credit of XXXX ), ( XXXXXXXX XXXX Acct # XXXX with a high credit of XXXX ) Which should be deleted immediately due to my identity being compromised and being used by I don't know who.
Product: Credit reporting or other personal consumer reports

XX/XX/2020 two accounts was opened fraudulenty. Criminals used the accounts and ran it up fraudulently. I called and had the accounts closed when I finally found out. But their still reporting on the credit bureau files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This is a complaint relating to Forster & Garbus ( FG ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). Our Stipulation Agreement, attached with my complaint, will show it was executed in XX/XX/2018. Since my first payment, per our agreement, I haven't received a breakdown of what the balance is and what I've already paid. Not one! I don't know how my payments are being handled/recorded and what my outstanding balance looks like on either of their books. FG acts as attorneys to XXXX but FG is predominantly a collections agency ( with AWFULLY DREADFUL public reviews and practices, I might add ) that never answers or returns my repeated calls. I have no faith in them and am not sure what my next step is. I'd like to finally settle this once and for all but with whom : FG or XXXX? Who is ultimately collecting on my payments?
Product: Debt collection

I received a copy of my credit report and am disputing XXXX items that need to be deleted. On XX/XX/2023 an account with XXXX XXXX was fraudulently opened up in my name the balance is {$130.00} On XXXX XXXX an account with XXXX XXXX was also fraudulently opened up in my name as well. I need the items deleted expeditiously. Once again id like to take this time to thank you in advance for your understanding, compassion and most importantly speedy cooperation in this delicate situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> I applied for a CBNA credit card and my credit was pulled which was authorized. 
On XX/XX/year> CBNA pulled my credit again without consent. I need the inquiry from XX/XX/year> removed from all of my credit bureaus.
Product: Mortgage

I took out a mortgage with  XXXX  many years ago and set up auto pay for the life of the loan. The loan was purchased  by Ditech Financial, and when it cam tim e for the final payment in  XXXX     2017, th ey failed to auto deduct the payment and charged me a late fee of {$50.00}. I called there customer service line,  XXXX  to complain on the evening of  XXXX   XXXX     2017,  and they refused to refund the late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive noticed that my credit report includes hard inquiries I did not authorize. This incorrect information breaches 15 USC 1681c-2 and needs to be removed.
Product: Debt collection

I had 2 debts from same company and was inquiring if the other debt going get charged off too
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Equifax, my requests have been disregarded. 

These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I accessed my credit report and found a mortgage loan that I have been included as a Co-buyer. Loan was obtained by a family member who used my identity without my consent. Account is reported as a repossession on my credit report. Account is not my responsiblity
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # 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.
Product: Credit card

I didnt apply for this card. I had no knowledge of this card until they sent out a letter in the mail stating that the card payment is past due for the amount of {$80.00} which they sent on XX/XX/year>. I called and the representative said that the card was opened on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I hope I have the right subject matter but I have received numerous calls from what they say is Esperian. About someone trying to open a credit card in Michigan. Asking if it was me ; if I know anyone in Michigan. All callers are from different countries and speak poor English. Theyll call and hang up before it goes to voicemail and then call again and again etc. a couple left a message if I wasnt interested to text no. The numbers are as follows : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX They know my name and zip. One wanted to go over my credit cards. I know I shouldve answered but they call over and over. I wanted to find out who they were so I could make a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX