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

A review of my Equifax Credit Report revealed several unauthorized credit inquires.

Title 15 U.S. C. 1681b- Permissible Purposes of Consumer Reports ; states that it is illegal for anyone to have or access my credit file without my written permission. I therefore demand that Equifax provide said written proof that I authorized the below listed Hard Inquiries that you are reporting.

1. XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. This inquiry is on an open account and should be listed within the companys rating area. Please update and DELETE this inquiry. 
2. XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. This inquiry is an open account and should be listed within the companys rating area. Please update and DELETE this inquiry. 
3. XXXX XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. I never authorized this inquiry, and it constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this unauthorized inquiry must be reinvestigated and DELETED from my credit report within 15 days. 
4. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. I never authorized this inquiry, and it constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this unauthorized inquiry must be reinvestigated and DELETED from my credit report within 15 days. 
5. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. I never authorized this inquiry, and it constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this unauthorized inquiry must be reinvestigated and DELETED from my credit report within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOTICE to SageStream to stop administering the XXXX XXXX XXXX XXXX and remove all data from your databases, and stop sharing and receiving non public information with non affiliated XXXX parties ... SageStream LLC does not possess written consent or authorization from XXXX XXXX and is violating the PRIVACY ACT. and Copyright Laws. 

I am the only authorized representative and lawful Executor/Administrator/Representative to the NAME, which is an ASSUMED NAME, XXXX XXXX ( see attached ) SageStream LLC does not possess any Signed Social Security Administration form SSA-89 giving SageStream legal and lawful authority to use and share this non public information. 

See attached fee schedule in the case that SageStream LLC wishes to further engage and do business with XXXX XXXX.
Product: Debt collection

I responded to a letter they sent me asking them to 1. Provide proof that I owe them the debt with supporting documents AND 2. Only communicate in writing. 

They received my certified mailed letter on XX/XX/24. 

They have called on XX/XX/24 at XXXX from phone number XXXX And again on XX/XX/24 at XXXX from phone number XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in the Equifax data breach. Upon reviewing my credit reports I notice many accounts and one inquiry that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of proof that my information was impacted during the Equifax data breach, and a validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report along with inquiries that I did not authorize or initiate. This was a result of an error or malpractice.
Product: Student loan

I have made monthly payments on my Nelnet loan since I finished  graduate school approximately 12 years ago. My balance is now $ XXXX _higher_ than the original loan amount. I do not see how 12 years of payments has not lowered my debt at all ; in fact, it has been raised. There is no way in which I am able to get their numbers based on their stated interest rate and practices ; and I would like CFPB to assist in resolving not only my situation, but in looking into Nelnets business practices. It would be particularly helpful as a starting point to request that they turn over borrowers payment history and corresponding calculations upon request for transparency and independent oversight mechanisms.
Product: Debt collection

I never received a letter in the mail about this account. And I never received a collection notification letter as well. I 'm very disappointed how agencies can just put you in collections without letting me know by phone or mail.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my business partner wire transferred {$18000.00} from XXXX XXXX  XXXX to my Bank of America busienss checking account. But up to XX/XX/XXXX, I still did not receive the money. The sender checked with XXXX XXXX  and the feedback is they are sure that BOA has received the fund, the receiver has to check with BOA. I called BOA wire transfer department today, but the lady said BOA never receive it and ask me to contact with XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Product: Mortgage

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 146 days and counting And still I can not prove I own the home I live in.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my credit report that is the results of Identity theft, Equifax XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of the XXXX XXXX account XXXX as reported on my credit file. Upon reviewing this accounts reporting across the three credit bureaus, I found severe compliance violations under Metro 2 standards. Due to these ongoing issues, I am formally requesting the immediate deletion of this account from my credit report. 1.Inconsistent Payment Status : XXXX and TransUnion both report this account as XXXX, while XXXX states, Merchandise was taken back by credit grantor ; there may be a balance due. Such inconsistent terminology across the bureaus fails to meet Metro 2 standards, which require uniformity in the reporting of account status. This inconsistency warrants deletion if XXXX XXXX can not verify and align the status across all bureaus. 2.Conflicting Worst Delinquency : XXXX lists XXXX as the worst delinquency, TransUnion shows XXXX data, and XXXX reports Foreclosure. The significant discrepancies between these entries highlight non-compliance with Metro 2 standards, which mandate consistency. This failure compromises the integrity of this accounts reporting, and I demand its deletion if the data can not be rectified. 
3.Discrepancies in Last Updated Dates : The last updated date differs across bureaus : XXXX and TransUnion list XX/XX/year>, while XXXX lists XX/XX/year>. An inability to provide a consistent last updated date indicates poor data management and further supports my request for deletion due to lack of accuracy.4. Erroneous 2-Year Payment History : The payment history contains erratic reporting, with multiple months marked as Foreclosure ( FC ), 90 days late, and Not Reported ( NR ). Such inconsistencies across bureaus reflect a lack of compliance with Metro 2 standards, which require a standardized reporting of payment history. This unreliability in reporting only underscores my demand for deletion. 5. Inconsistent Reporting of Derogatory Events : The record of derogatory events, such as 30, 60, and 90-day late payments, is conflicting across the bureaus. XXXX lists multiple delinquent events, while TransUnion shows minimal information, and XXXX data is incomplete. The lack of uniformity directly violates Metro 2 standards, rendering this account inaccurate and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$2600.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}
Product: Credit reporting

There are several inquiries on my credit report that I did n't authorize.
Product: Consumer Loan

I bought a new Toyota Tacoma from XXXX XXXX in XXXX. My bank approved me for a loan for 2.49 %. I went to the dealer to close the deal I was with the finance person. They said Bank of America matched the loan amount of 2.49 % and that I was already approved and could get my vehicle now instead of waiting for 2-3 for the bank loan to clear. Then I was hit with high pressure misleading warranties to add on. I said I was not interested the pressure and the assurance that total vehicle protection was offered and that it only raised my payment slightly, but I had to make a decision right then and there to take the warranties to add them to the financing, I was hesitant as the the pressure tactics were fast aggressive, and very vague. I was told if I did not take the warranties now I would have to pay higher cost later and would not be able to finance them. They finance agant at XXXX said that the BoA agent she was online with dropped my financing to 1.79 %, so I took the warrranties. A few weeks later, I took the vehicle in for service and was told the items I was claiming under the protection package was not covered after I was told it was before I accepted them. To make a long story short, they refunded my money but refuse to talk with me or address my items that they said they would not cover.
Product: Debt collection

this is the same complaint ive been complaining about and since my wages will be garnished I will have to file Chapter XXXX ... in XXXX a XXXX dollar line of credit with XXXX then sold to XXXX XXXX went into default due to a termination of my job thru no fault of my own ... I told my boss about my XXXX and he began taking work away from me and giving it to less skilled workers ... with that XXXX and this issue is adding unneccesary stress in my life ... at that time of turmoil with no money and house payments and truck payments and pets and other bills and food XXXX XXXX reps were calling me harassing me telling me the sheriff will be at my house soon to take my house and that i will go to jail ... they called me at off hours and i was an emotional wreck and they didnt help ... .I didnt find substantial employment until XXXX and i had to pay family friends and other things back ... so in XXXX lvnv on behalf of XXXX XXXX has the courts issue me a summons ... XXXX XXXX was bought out by XXXX in XXXX of XXXX so why is a bottom feeder who buys debts for pennies on a dollar representing XXXX XXXX sueing me when they dont even own the debt? i answered the summons i got in XXXX pro se which i have a right to do and requesated proof of debt, ownership of debt and how much the debt was actually bought for ... I hear nothing back so i figured the issue was mute. I got another XXXX in XXXX and believed it to be a scam from lvnv funding to get money from me so I ignored it. then i get a court ordered wage garnishment. I responded to the courts and explained that i thought it was a scam and again requested proof and also to vacate the judgement as it would incure an financila hardship. I heard nothing back from the courts. I contacted the nys attorney generals office, the garnishment from XXXX stopped. Then they started again last XXXX. Then they stopped and now theyre starting again. The original amount was XXXX dollars, now its well over XXXX. The account went into default in XXXX that would make it past the statute of limitations. I am not going to pay them this amount of money especially when they bought the debt for less than XXXX. I will file chapter XXXX.
Product: Mortgage

I obtained the loan in XXXX from XXXX XXXX  company the interest rate was 14 %. They filed bankruptcy I do not have the dates. After this the mortgage was sold at least XXXX more times. The last company was Specialized Loan Servicing. I applied for a loan modification after talking with them regarding the 14 % interest rate it was denied. I then applied for a refinancing with XXXX XXXX and the loan officer referred me to your office. She said that I might be a victim of predatory lending, due to the high interest rate, & payments have now exceeded the actual value of the home itself. I would have to look back at all of my paperwork to get actual dates for you if you need them. I will have to research all of my paperwork to find dates. On XX/XX/XXXX I received notification that Specialized Loan Servicing was transitioning to a new company called Shellpoint, however, we would keep our same account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries that I didn't authorize and asked Equifax to delete per FCRA 605b. Equifax refuses to comply with FCRA guidelines and delete inquiries in question which are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX FTC Report filed # XXXX. 

Furthermore despite going through Equifax Portal report # XXXX Equifax is violating my consumer rights by refusing to delete an inaccurate address and refuses to remove fraud alert as well as a personal statement that I did not ask for or authorize. I am unable to get anyone on the phone either. I've sent numerous letters with proper ID verification as proof of who I am. Equifax refuses to comply with regulations.
Product: Mortgage

To whom it may concern, I would like to establish a formal complaint against USAA Bank. I submitted an application for a VA loan ( refinance ) and was mislead throughout the full process. I was pre-approved and submitted all associated documents as requested. After having everything submitted and reviewed, they had me conduct an appraisal and a termite inspection. About 7 weeks into the application process I verified that no other documentation was needed and they confirmed that my loan was clear to close. I then received the final disclosures and then was asked via phone if I wanted to roll over the closing costs since I had enough room to roll that over. I was then transferred to a loan officer and then they started reassessing the loan and then determined that I was no longer approved for the original amount which makes no sense. There was no transparency and caused me financial harm by paying for a termite inspection and appraisal. I am also a partially XXXX veteran and feel that they may even have discriminated against me. 

I am also truly concerned because they sent an adverse letter to me after talking to the loan processor. No options were given to me such as the possibility of putting down a larger down payment or anything. This was the worst experience by far with a financial institution.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage and formally dispute the late payments reported on my Experian credit report for the months of XXXX and XXXX of 2021 on my XXXX XXXX account, number XXXX. This unauthorized reporting of late payments is not only incorrect but also a direct violation of my privacy rights and applicable consumer protection laws, specifically 15 USC 1666b.

**Violation of 15 USC 1666b** Under 15 USC 1666b , creditors are mandated to provide timely notice to consumers at least 21 days before the payment due date. I did not receive such notice, making these late payment reports not only invalid but also illegal. The lack of proper notification has directly resulted in significant and undue harm to my credit standing.

**Demand for Immediate Action** I demand the immediate and unconditional removal of these erroneous late payments from my credit report. XXXX XXXX 's failure to comply with 15 USC 1666b has caused unwarranted damage to my creditworthiness, affecting my ability to secure credit, employment, and other financial opportunities. 

**Privacy Violation** Furthermore, this account information has been reported to Experian without my explicit consent, infringing upon my right to privacy. The unauthorized dissemination of my financial data is unacceptable and must be rectified without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted CFPB a few months back to try to get this negative account removed from my credit report and the representative from Portfolio Recovery stated that they don't remove tradelines after they are paid in full or settled.

After further investigation and looking on their website, which I have included the link to their website facts : https : //www.portfoliorecovery.com/XXXX It states per their website : Do you remove the account from credit reports after it has been resolved?

Yes. Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

I previously paid off my account with PRA. Are you going to remove it from my credit report?

Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

My account was paid in full for less than the full balance but it was not deleted. I am requesting that this tradeline be deleted from a

ll 3 credit reports. Please reference their FAQ 's link on thei
r website as it pretains to removing tradelines after the account has been resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account by XXXX XXXX  opened on XXXX in the amount of {$47000.00}, a XXXX XXXX account opened XXXX by XXXX XXXX the amount of {$80000.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent charge offs appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, charge offs, or hard inquiries as reported. The aforementioned accounts, charge offs, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me nor is this a mistake on my part. All of the aforementioned accounts, charge offs, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge offs, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

TransUnion is currently reporting information that is inaccurate on my consumer report. I have sent XXXX letters stating the issues at hand and the situation hasn't been rectified. On my personal information there is a name reporting that is not my name, My name is XXXX XXXX. There are XXXX numbers reporting instead of just XXXX. My number is XXXX. There are several closed accounts that are being reported with late payments that have been on my report for years that is currently affecting me. I have a hard inquiry from a loan company I never applied for, and I have XXXX collections that are reporting on on Transunion and XXXX XXXX that isn't reporting anywhere else because they have been resolved.