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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Vehicle loan or lease

I received an email from XXXX XXXX regarding an application for vehicle financing which I never applied. I sent a request of specific reasons for denial. They sent a letter dated XX/XX/2018 to send a letter to their Finance Director with  address on letter which I complied. The letter was returned as not unable to deliver. I am concerned as how they obtained my social security number or address. 
I only tried a lender in Texas and then eventually returned to dealership for their assistance to purchase my car at end of lease. I would like to know how this company obtained financial information without permission. Also, is the company fraudulently requesting information? Their inquiry wreck my credit worthiness and cost me a higher loan rate.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



CLOSED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 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 a 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XXXX/XXXX/XXXX, my mortgage with Wells Fargo Bank ( loan # XXXX ) was paid off in its entirety. To date, my escrow overage AND mortgage over payment totaling in excess of {$10000.00}, has NOT been received. It occurred to me that Wells Fargo routinely charges its customers interest on monies owed them. Moreover if Wells Fargo engages in a " pattern and practice '' of this type of behavior, the potential for HUGE ( and improper ) profit taking, would seem wrong. I submit this for your agency 's consideration. Thank you, XXXX XXXX XXXX
Product: Mortgage

Back in XX/XX/2022 I reached out after receiving a mail brochure to help get assistance with my mortgage due to extenuating changes in my financial situation preventing me from being able to pay my mortgage. The company had me sign documents one very specifically stating there will be no further charges past a set {$6200.00}. After several delays on their part causing this to drag one way into 6 months the total payments sent to them in excess of over {$12000.00}. I ended up having to resolve the issue directly with XXXX XXXX XXXX XXXX because the company was unresponsive to them and submitted paper work with no contact information. Throughout this entire process they ignored my emails and voicemails. If I finally got someone on the phone I asked to speak to management and was flat out denied or they would say someone would call me right back and it never happened. In addition to everything their false promises of reducing my mortgage actually put me in a position where I now have a lean against my home and my mortgage payment has gone UP by {$57.00}. I fully believe I should get back every cent I paid this horrible company as they did not honor a single commitment that was made, if this is not a possibility this company needs to be held accountable to pay back the additional {$6200.00} that was paid to them as their representative told me I have to keep submitting payments until the issue is closed out. The office of the comptroller of the Currency requested I file a complaint with you. My case number with them is available should you require it. Thank you so much ahead of time for anything you can do to help with this matter.
Product: Debt collection

MSW Capital purchased a charged-off debt and is taking legal action to garnish my bank account. I had previously made payment arrangements but completely forgot about the debt because I had to mail in a monthly check and did not receive any account statements. I have attempted to make payment arrangements, even offering to have a monthly payment automatically drafted from my bank account to no avail.
Product: Debt collection

The company has responded to the debt verification via letter/email that I received on XX/XX/2021 but the information they sent still does not validate the debt as being mine. The email address shown on the response, XXXX, the phone number listed XXXX XXXX XXXX XXXX and the address, XXXX XXXX XXXX XXXX, XXXX XXXX  have never been associated with me or anyone in my family. Ive looked up the address that was shown and it looks to belong to a XXXX XXXX. 

Please have the company do a deeper dive on the debt and remove from my credit immediately. If there are further steps to take on my side, please have it expedited as this is not my debt and is dragging my score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion And XXXX are in violation of federal law. Here is the. Law that has been broken and violated : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other enity These Agencies are indeed a corporation and have no right to violate the law! These agencies are not above the law. And until the law changes, they are expected to abide by it! 

I have tried reaching out to XXXX, TransUnion and XXXX. They are acting completely oblivious to this wall. It is a federal law in which they need to follow. They are in violation of This law and action needs to be taken if these credit reporting agencies refuse to abide by the law. 

I have sent correspondence to the credit reporting agencies About the violation of the wall and they still convenuously Are violating Is this federal law! 

Until federal law changes, The credit reporting agencies are expected to follow the law!
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my repeated efforts to rectify this issue, the inaccuracies persist, causing significant harm to my creditworthiness and financial well-being. 

There are several fraudulent items present on my credit report that are negatively impacting my credit profile. I have submitted dispute requests on numerous occasions, providing supporting documentation to confirm the fraudulent nature of these items. 

Despite my persistent attempts to address this matter by following the established dispute procedures outlined by your organization, the fraudulent items persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 

The presence of these inaccuracies has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct a thorough and expedited investigation into the fraudulent items on my credit file. Attached are copies of the supporting documentation that confirm the unauthorized nature of these items. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will be promptly and permanently removed from my credit history. 

If this matter is not addressed satisfactorily within the exact timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX  XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$11000.00} XXXX  XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX. XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX. XXXX XXXX : {$6400.00}.
Product: Checking or savings account

I got an email from my XXXX college email address from a XXXX XXXX XXXX He was looking for anyone willing to work as his XXXX  on a part time basis. I applied for the job position. He said he was a professor at the XXXX XXXX XXXX, part of my job responsibilities would be running errands, making payment, booking appointments e.t.c On XX/XX/XXXX he sent two checks to my email. {$3500.00} and {$3800.00}. He said i would make deposits on his behalf to some orphanage. He asked me to transfer {$2000.00} to XXXX XXXX using XXXX, i said no and that i only make transactions through my bank. I eventually sent {$1000.00} using XXXX through USAA. Then he started presuring me to send the rest of the money, i saw that as ared i called my bank and spoke to an agent to alert them that its fraud and to dispute the {$1000.00} transaction through XXXX. I filled a police report online with the XXXX XXXX police department. Right now my bank is charging m the {$1000.00}. as a returned check, and also a returned check fee. USAA said theres nothing they can do about it. I contacted XXXX, and was told the transcation has posted and there's nothing they can do about it. Am having to pay {$1000.00} that i do not have, am having to bear the brunt even after alerting my bank immediately within 10 minutes to cancel the transaction. Am surprised USAA will authorize XXXX on their banking website knowing fully well that XXXX has no customer or fraud protection. All am asking is my loss or claim of {$1000.00} that was charged to my account and the returned check fee be refunded. Am a victim of fraud and a banking system that has no fraud protection for its customers
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XX/XX/XXXX
Product: Debt collection

SECURITY CREDIT SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$610.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed a credit inquiry that I did not authorize, made by the following company : Inquiry : XXXX XXXX XX/XX/2018 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card

I've called twice to close my business XXXX XXXX XXXX, and the card is still open. Close the account
Product: Debt collection

MCA Management Company out of Missouri placed a collections on my credit report for {$1500.00} back in XX/XX/XXXX. I don't recognize this account and will need verification of this account and what the {$1500.00} is for. There wasn't any mail in regards to what the collections is for. 

As highlighted in the FCRA Reporting Act, please provide verification of this collection. Also, please cease any collection calls immediately if there are any in the near future.
Product: Debt collection

Did not receive written notice of collection, When talking to CCI requested written proof of debt. Never received proof just constant.
Product: Mortgage

I am a XXXXXXXX XXXX and I have a second mortgage with Suntrust mortgage, now Truist. After my forbearance ended in XXXX XXXX I applied for a loan modification in XXXX, to reduce my interest rate of 6 %, and submitted all the required documents to Suntrust. Later, Suntrust requested for another set of last 2 pay stubs, even though I had included those in my original application. They said they wanted current ones, which I sent to them on XX/XX/. They told me that was the only thing that was left for them to process my application, and that I do not need to make any payments until they make a decision on my loan modification application. They had also told me, they will not report my loan to the credit bureau, until they finalize and approve or deny the application. So, I waited to hear from them. However, Suntrust only sent me a letter dated XX/XX/XXXX, to request for the same documents I had sent them in my original application, so I called them on XXXX  to find out what they did with the same documents I had sent them, still in their possession. It's not even up to 90 days yet when that letter was mailed to me, and they told me, they needed the same information every 90 days. I asked them why they couldn't use the same ones I had sent them before. It looks like Suntrust had either misplaced my documents or were just playing games with me. They never even made any decision of approval or denial, after I sent all the required documents in my application. Why make me go through all that hassle, when they know what they plan to do and can not say it outright. I am a busy person, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I don't need or deserve this run around or treatment from Suntrust. Also, they have been charging me interest fees since throughout forbearance period, and during the loan modification period to date, even though they told me they would not charge fees. They have now reported this account as late to the credit bureau, even though they said they would not do so, and I have not received a decision on the loan modification. They have also been threatening me with foreclosure, even with no decision on my application, and this is just a second mortgage. My first mortgage is not with Suntrust, and that is current. I was only trying to modify my loan to get it current after the forbearance period, and Suntrust can not even keep to their word! I feel this is a very unfair and deceptive practice by Suntrust and they need to correct their behavior. Thank you.
Product: Payday loan, title loan, or personal loan

I have sent letters asking to verify information on the account because it is being reported in accurately. I've asked to verify date of alleged delinquency, verification of the assigned collector, the amount, and date of charge off. 
A letter was sent and received by National Credit Adjusters on XX/XX/2021. Thirty days passed and I did not receive a response. They continued to report to all 3 credit bureaus. I sent another letter which was received on XX/XX/2021. I asked them to remove my account since the have failed to validate. 
I received no update nor response as they continue to report on my account incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022, I alerted TransUnion to incorrect information being published to my credit report regarding XXXX accounts appearing with a balance when the balance should be XXXX. I asked for the information to be properly validated, pursuant to the XXXX, and that the information be correctly updated. TransUnion has failed to validate the information it has published to my report and the incorrect information is still appearing on my report. I have reason to believe that TransUnion is conspiring with alleged " creditors '' in an effort to extort me. Transunion actions are having an adverse effect on my life, my credit, and my ability to meet my basic needs. I have provided specifics to TransUnion on more than XXXX occasion - there is no reason why my claims could not have been thoroughly investigated and rectified pursuant to my requests/ demands regarding such. I am creating this complaint and including details here for the convenience of TransUnion. All details regarding the incorrect accounts in need of correction, fraud affidavit, and other identifying information are included with the attachment. 

Potential TransUnion file number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has re aged the entry on the XXXX ( XXXX XXXX XXXX ) to XX/XX/XXXX. A dispute was filed XX/XX/XXXX and it came back as " verified ''. The furnisher of the account is reporting inconsistent information between the bureaus so how can anything be considered accurate? Another attempt to delete this information has been submitted as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Company Loan Care XXXX XXXX reported that i missed a payment on the month of XX/XX/2019.XX/XX/XXXX and XXXX they put me on forbearance without my approval..XXXX theyi called them to take out my forbearance at the same time paid XXXX and XXXX balance since i had previously have my payment deducted monthly i was expecting they gon na take out the XXXX mortgage but not intead i been getting late payment from XXXX bill
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate information reported on my credit report by XXXX with the account number XXXX. This account is listed as " Account charged off with {$150.00} written off and {$150.00} past due. '' I request the immediate investigation and deletion of this account from my credit report based on the following reasons : 1. **IRS Violations ( 1099-C Cancellation of Debt ) : According to IRS regulations, specifically 26 CFR 1.6050P-1, creditors are required to issue a 1099-C form when a debt of {$600.00} or more is canceled. Although the amount written off in this case is {$150.00}, reporting this as a charge-off without proper documentation and not issuing a 1099-C form raises concerns about compliance with IRS regulations.

2. **Fair Credit Reporting Act ( FCRA ) Violations** : Under the FCRA, 15 U.S.C. 1681s-2, furnishers of information to credit reporting agencies are required to report accurate information. The reporting of this account as a charge-off is misleading and inaccurate. Additionally, under 15 U.S.C. 1681i, the FCRA mandates that any information that can not be verified must be deleted from the credit report.

3. **Fair Debt Collection Practices Act ( FDCPA ) Violations** : The FDCPA, 15 U.S.C. 1692e, prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. Reporting a settled account as a charge-off without proper evidence and accurate information constitutes a violation of the FDCPA.

4. **Failure to Update Account Status** : The account status was last updated in XX/XX/year>, and it is marked as " Account charged off. '' However, the payment history shows multiple charge-offs and past due statuses, which is inconsistent and inaccurate. This discrepancy violates the FCRA 's requirement for accurate and up-to-date reporting. 

Remedies for Willful Non-Compliance : Under the FCRA, 15 U.S.C. 1681n, willful non-compliance with credit reporting laws can result in liability for actual damages, statutory damages of up to {$1000.00} per violation, and punitive damages. Additionally, the law provides for the recovery of costs and attorneys fees incurred as a result of the violation. I am prepared to pursue all available legal remedies should you fail to correct this inaccuracy and comply with applicable laws. 

I request that you investigate this matter and delete the inaccurate information from my credit report. Please provide me with written confirmation of the deletion once the investigation is complete. If you require any additional information or documentation, please contact me at the address or phone number listed above.