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

I have reached out to TransUnion, XXXX, & XXXX to have XXXX inaccurate collection accounts removed from my credit report several times. The first request was submitted on XX/XX/year>. I have asked all XXXX of these companies to verify these alleged debts, and I have not received a response, however, my credit profile has been updated to show that the collections meet FCRA guidelines which is false. I have disputed both by mail and online. The online dispute came back verified the same day, in which, the credit bureaus have not even had time to reach out to the collection agency to verify a debt. I have also reached out to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, the XXXX companies that are reporting inaccurate information to the above-named credit bureaus and they have yet to supply the information requested and it has been more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to bring to your attention an issue with the address listed on my credit report. According to the information provided in my credit file, there seems to be an error in the address associated with my account. 

The current address listed is incorrect and does not reflect my current residential address. I am writing to update my address to ensure that all future correspondence and communication regarding my credit report are sent to the correct address. 

Please find below my updated address information : XXXX XXXX XXXX  XXXX, CALIFORNIA XXXX
Product: Mortgage

Freedom Mortgage did something similar on a prior mortgage. I do not know why they are allowed to be in business nor take VA benefits. 

1. My payment has changed and they have not explained why. 
2. They are escrowing for taxes that are not due based on my XXXX Veteran Status. 
3. They did not honor my insurance coverage and instead chose to purchase more expensive homeowners insurance.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate ; XXXX  XXXX XXXX XXXX
Product: Checking or savings account

1. I was asked to submit SSA form sent by them to get notarized 2. I spoke to Chief engagement officer Ms XXXX and she told me that was not fair if they were not accepting the form. 
3. She asked contact center manager XXXX to contact me and she said the same thing. Then she went on leave, leaving me with XXXX no response 4.I contacted contact center and I was told I do not qualify for a saving account as I do not qualify ( my mother is a member ) and that they could not verify my social security number already sent to them notarized. 
5. I was told come to Utah to we can identify you and later made excuses you will waste money by coming here, when I stated I am coming. They asked me to open an account with XXXX XXXX XXXX!? 
I felt I was wronged in every way and pure injustice was granted. They never responded to any of my email plea and finally sent a letter of adverse action giving me why I can not apply. I will attach or fax copy of the letter. I have copies of all emails, text messages sent to America First for records. I am just confused and feel I have not been treated fairly
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Therefore XXXX is in violation of my privacy as stated in the about act that includes any student loan or financial information. I have not given written consent to furnish my information to anyone. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 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 ; I have filed multiple complaints and I understand that not a thing has been corrected or changed. This is considered at this point willful violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. 
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). The accounts in question is as followed XXXX Account number XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXAlso XXXX there is an account that was previously deleted and re added One Advantage that I would like a certificate of accurancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.
Product: Debt collection

I've mailed in by certified mail a COPYRIGHT CLAIM AFFIDAVIT to which XXXX XXXX   has not responded and EXPERIAN continues to report on my credit profile in DIRECT VIOLATION OF THE DODD FRANK ACT, FCRA, FDCPA and several other consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXX XXXXEquifax XXXX XX/XX/XXXX {$18000.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX XXXXEquifax XXXX XX/XX/XXXX {$2900.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF THE 2 AFOREMENTIONED ACCTS. WERE NOT CHARGE-OFFS. BOTH ACCTS. WERE DISCHARGED IN CHAPTER XXXX BANKRUPTCY XX/XX/XXXX. PLEASE ADJUST RECORDS ACCORDINGLY ... .THANK YOU
Product: Credit reporting or other personal consumer reports

PayPal XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX XXXX  XXXX XXXX, Thank you for your recent XXXX  request. We regret to inform you that after careful consideration, we were unable to approve your request at this time for the following reason ( XXXX ) : Modification of payment terms on loan ( XXXX ) issued by lender. 

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : Division of Depositor and Consumer Protection, XXXX XXXX XXXX  XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio XXXX XXXX XXXX administers compliance with this law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX The lender for PayPal Business Loan and XXXX  loan is XXXX. PayPal Business Loan and XXXX  are located at XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX. 
Copyright 2023 PayPal , Inc. All rights reserved.
Product: Credit reporting or other personal consumer reports

I submitted a request to LexisNexis for my annual copy of the consumer report maintained and distributed by their business XXXX days ago via Certified United States Mail ( signature confirmation ). I have yet to receive this information.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX use my identity and share my information with another person and there is 16 unauthorize hard inquiries on my credit report.My credit scores is around 500. 

Also XXXX and Experian has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XXXX XXXX it was discharged on XXXX XXXX by Federal Judge.
Product: Credit card

Wells Fargo issued me a Store Card for XXXX XXXX. I did not apply for this card, nor do I want it. I've attempted to create an online account to manage the card/close it but am unable to do so. I want the account closed.
Product: Credit reporting or other personal consumer reports

Equifax credit report isnt accurate called multiple times sent in multiple documents mailed in manually an electronically no results having hard time getting score updated an errors removed an fixed in credit report that should not be there
Product: Checking or savings account

I am submitting a complaint to the CFPB regarding Capital One 's failure to process my direct deposit from my employer, as well as other incoming deposits. Capital One has attributed this issue to technical problems, which may constitute a violation of the Electronic Funds Transfer Act ( EFTA ), as it mandates timely access to funds. This situation raises serious concerns about potential breaches of consumer protection laws, and I kindly request your assistance in investigating the matter to ensure my rights are protected. Thank you.
Product: Debt collection

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted CREDIT MANAGEMENT LP ( Original Creditor : XXXX XXXX ) about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). If no contractual obligation exists between us then how could I legitimately owe them for any debt? XXXX XXXX claims to have purchased the debt from XXXX XXXX but my contract was between myself and XXXX XXXX, who I am in the process of entering into arbitration with. If CREDIT MANAGEMENT LP ( Original Creditor : XXXX XXXX ) continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. Please see CREDIT MANAGEMENT LP ( Original Creditor : XXXX XXXX ) 's info in identity theft report attached
Product: Credit reporting or other personal consumer reports

Ive disputed the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX all accounts were settled. Trans union updated my account as in collections incorrectly. So has Experian and Equifax. All accounts have been settled.The balance for all accounts show be reporting XXXX and settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

'Equifax XXXX is governed by 15 USC 1681. 'Equifax XXXX has violated my rights numerous times. 

I, therefore, demand removal of the accounts listed below per 15 USC 1681. I have the right to privacy, and I did not give 'Equifax XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My credit was fraudulently used to open an old navy card and I need it fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the credit inquiries listed below. Please remove them from my credit profile and credit report. 

Creditor Name : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my report that is incorrect and also does not belong to me
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate information that has been reported on my credit report by XXXX XXXX. Despite my efforts to resolve this issue directly with the credit bureau ( s ) and XXXX XXXX, the inaccuracies remain uncorrected and are adversely affecting my credit standing. 

The inaccuracy on my credit report is as follows : 1. An account from XXXX XXXX, account number XXXX, is incorrectly reported as delinquent for XX/XX/2024. 

I have contacted Transunion and XXXX XXXX XXXX XXXX, providing them with documentation that clearly supports my claim that the information is incorrect. Despite this, the disputed information remains unchanged on my credit report. The steps I have taken to resolve this issue include : - I have submitted documentation every month since XX/XX/2024 to both the credit bureau and XXXX XXXX to correct this error. 

Enclosed with this complaint are copies of my correspondence with the credit bureau and XXXX XXXX, as well as copies of the documentation that I provided to support my dispute. 

The continued presence of this inaccurate information on my credit report is causing significant harm to my credit rating and financial wellbeing. I respectfully request that the CFPB intervene in this matter to ensure that the erroneous information is corrected promptly. 

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.
Product: Credit card

In early XXXX, maybe around the XXXX or XXXX, I received a new credit card from the Home Depot in the mail. I thought it odd I got a new card. Upon further inspection, I noticed that the new card had a different account number than my original card. I went online to check my account and noticed new charges that I did not make. I disputed the charges online. Then more charges occurred so I reached out by phone to discuss the issue with Home Depot customer support. After talking with one of their security representatives, I found out that charges had been made on my actual account and disputed those. Additionally, this new account had been opened in my name without my knowledge and was being charged as well. I was told that the accounts would both be closed and investigated. The charges on my original account were reversed. However, on XX/XX/XXXX, I received a letter from Home Depot saying that the new account was determined to be my responsibility and I would need to pay those charges. I intend to file an appeal. I have frozen my credit and placed a fraud alert for one year on my credit as well. I also filed a police report about the suspected Identity Theft. However, I read that I should file a report with CFPB, especially now that Home Depot is attempting to hold me responsible for a credit card account that they allowed to be opened fraudulently using my personal information.
Product: Money transfer, virtual currency, or money service

I was sent an employment offer and startup check of XXXX for office materials under the name XXXX. On XX/XX/20 I was sent the check and told to deposit it and send an amount of {$1000.00} to the alleged 'vendor ' then another {$2500.00} was to be sent in two other transactions through cash app to the other alleged vendors. There has been a hold on the checks they sent me and my account is severely overdrawn because of it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a denial letter from a housing company because XXXX is reporting incorrect balance to my account. My credit score recently came back as a {$400.00} because of these problems and I lost money because I was denied based off what they reported. Everything on my credit should has a good standing status but instead its there as if its old. I still make payments on those items and Im not beyond and the amount that they have on file is about {$3000.00} over what I owe them.
Product: Mortgage

On XX/XX/year>, I applied for a mortgage with Fairway Mortgage at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The mortgage broker was XXXX XXXX. XXXX was assisted by XXXX XXXX. The purchase of the home was {$360000.00}. The loan was approved and the purchase process began. By the end of the transaction we loss {$150000.00} due to Fairway sharing personal and financial information with a scammer. 

On XX/XX/year>, we began receiving emails from what appeared to be our closing attorney requesting we send the funds for our down payment for cash to close. The email account had been mirrored from our real closing attorney 's office but was apparently a fake account. In the process of the exchange we received wiring instructions with our closing attorney 's, address, account number, and concerning phone numbers. I reached out to XXXX XXXX XXXX  via email with concerns about the phone number and if the instructions were legitimate. On XX/XX/year>, I received a response from XXXX regarding my concerns with the wiring instructions. XXXX responded : '' My guess on the phone number discrepancy is that one is their toll-free number and one is the direct ''. ( We were looking for help. Not a guess. ) Two wires were sent after this email. The wires totaled the amount of {$150000.00}. 

On XX/XX/year>, I received word that our funds had not been received by the closing attorney. At this time we were informed that we had been scammed out of the {$150000.00}. I immediately reached out to the mortgage broker who asked for the emails from the scammers. He immediately informed us that the email addresses the scammers were using were not Fairway mortgages and that none of the emails had been received by him or XXXX. The mortgage broker claimed that no one at Fairway had any communications with the scammers. 

Upon further investigation it was confirmed that XXXX XXXX did in fact answer the email I sent questioning the legitimacy of the wire information. ( With a guess ) Later I was able to gain access to emails showing that Fairway had been communicating with the scammers without us being included in the emails. ( An honest Fairway employee provided those emails ) This after being told that Fairway had no communication with the scammers at all. In all dealing with Fairway caused my family to lose {$150000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I am a victim of Identity Theft and I want you to help me delete the following items as soon as possible : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$67.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  AR XXXX ; XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX