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

These are the Hard inquiries that needs to be removed immediately because it's fraudulent and inaccurate information XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EQUIFAX credit reporting ^r agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I ^r request that all written confirmation regarding CFPB complaint be sent to me via email to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital one account was charged off account XXXX XXXX XXXX XXXX they did not provided me with a 1099c in order for me to write off as an income on my taxes, they charge off this account and posted on my credit bureaus. since they put it on my credit bureaus as a charge off. If its all about accuracy the law protects me for things being reported on my credit bureaus that are not accurate. I need for this account to be removed form my credit bureaus since they charged off this account as a lost profit and they did not provided me with a 1099c. Making my reports not accurate. That being said Im requesting for this charge off to be deleted form my credit bureaus since this was charged off as about profit may they got their money back. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Product: Bank account or service

On XXXX XXXX, 2016 I recieved a notification from Bank of America that my checking account balance had dropped to {$25.00}. The following day ( XXXX XXXX ) I found that my bank charged me a {$12.00} overdraft protection fee whereupon they transferred roughly {$34.00} from my savings account over to my checking account, and tacked on a {$12.00} fee for this action. My checking account did not drop to a balance of {$0.00}, nor did Bank of America notify me of any additional charges that would cause my account to drop further below {$25.00}. Today, I contacted my bank and reqeusted that they refund the {$12.00} fee as my checking account did not drop to {$0.00} and did not require a transfer. The {$25.00} balance in my account was sufficient. I was informed by XXXX XXXX XXXX, Bank of America representative, that she was unable to refund the {$12.00} overdraft fee. I asked her to transfer me to a manager and I waited on the line and no manager was found. After spending a duration of XXXX minutes to resolve this issue without any resolution, I reqeusted that a manager from Bank of America call me back. No one from Bank of America has called me back and I have not recieved a resolution. I would like the {$12.00} fee that Bank of America charged me to be returned to my account. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry account : XXXX  Installment Loans XX/XX/year> TransUnion. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

This inquiry below is a Mistaken identity/ does not belong to me. 

Please remove this inquiry immediately since this is an unverifiable & unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXX Balance : {$3900.00} XXXX XXXX  XXXX : {$2300.00} U S DEPT OF EDXXXX XXXX XXXX {$3600.00} U S DEPT OF EDXXXX XXXX : {$5700.00} U S DEPT OF EDXXXX XXXX XXXX {$5300.00}
Product: Mortgage

To whom it may concern : In XXXX of this year I initiated a loan request to purchase a home. I have jumped through hoops to satisfy the bank we are dealing with. We had a credit card that had not been paid for {$1100.00} that they required we pay off. We paid that last Friday thinking that was the last hoop to jump through. Then they required that we deposit XXXX house payments with the bank to get approval. In addition we already made a down payment of {$4800.00} and {$100.00} in earnest money. Also paid for the appraisal. 

The house was originally priced at {$130000.00} by the realty company but has been reduced to {$130000.00} to meet the lower appraisal. We are requesting a 30 year loan which when the down payment is applied the loan will be less that {$130000.00}. Short of requiring our youngest child to be used for collateral we have done all we can to meet this requirement. 

We may not be the perfect or usual?? American family. We have XXXX children and we are both in college. XXXX has completed his first 2 years of college in XXXX and recently graduated. He is attending college part time working towards a XXXX and had has a permanent full time position as a XXXX. 

I am also enrolled in college pursuing a degree in XXXX XXXX XXXX. 

Our landlady is putting up our house for sale. At the time we leased from her it was difficult to find adequate housing because of the number of children. We rent a XXXX bedroom XXXX XXXX bath house with a large fenced yard for {$900.00} a month. The house is well kept in a nice neighborhood. In addition, the house has a large yard fenced in back yard with a garage and oversized patio. Perfect for our family. 

Schools are nearby as well as shopping and access to highway and major streets for easy commuting to and from work, shopping, library, hospital and other services in the community. The perfect house for a low income family and an opportunity to raise our kids in a no crime area. 

We have had challenges and have responded honestly and transparently and yet we are unable to get approval for this loan. We have had a closing date since the XXXX of XXXX and every few days are we are given a potential new date. This last request added on at this time to deposit 3 months of house payments which we did seems a ploy to sabotage us and discriminate against us and prevent us from getting a loan at all costs. At closing they are still requiring taxes and insurance in addition to whatever other fees they discriminately impose whether usual and customary or not. 

We are forced to form an alliance with our families to provide monies to now comply with any other financial requests. I respectfully request your assistance and let me add that time to ask start this process all over again with a new application with a new bank is not an option for us as we have put the landlord/owner off time after time. As they continue to ask for more and more information and documents we have to continue to pay rent. Thank you for taking the time to look into this. 

Thanking you in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate information on my credit report. I have stated numerous of times via phone and mail that all phone numbers and addresses listed are removed. They continue to furnish this incorrect information without notifying me. 

I know under FCRA it is their duty to report accurate information and XXXX continuously refuses to do so.
Product: Mortgage

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX, Analyst. I had filed a complaint against Nationstar and their lack of a loan modification without reason and imminent foreclosure ( now XX/XX/XXXX ). She had also attached letters from a XXXX XXXX, from XX/XX/XXXX and XX/XX/XXXX. What surprised me was the letters from Nationstar as I have never received any correspondence from them. It stated there were XXXX modification reveiws done in XX/XX/XXXX and XX/XX/XXXX, yet I never received any information from Nationstar and no explanation as to why I have been denied. My main goal is to remain in my home and work out a modification. My address is : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX
Product: Student loan

I paid my Mohela account on Thursday, XX/XX/2024. On Sunday, XX/XX/XXXX, I received an email from Moehla saying my account is changed. I called on Monday, XX/XX/XXXX to let them know that my payment has already been sent and I received an email that my account was changed, and I need my payment to be forwarded to the new account. On Monday, they said they could not find payment yet. On Tuesday, XX/XX/XXXX, I was told that it will take 90 business days to locate my payment and forward it to my new account. In the meantime, I will not get my PSLF updated for the month of XXXX, and will start to receive late messages. Mohela customer service center said there is nothing they can do. I need assistance please with this matter. thank you ... XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and Chapter XXXX showing on my credit report on XX/XX/2018. I asked for XXXX, XXXX, and TransUnion to please validate this information with United States Bankruptcy Court XXXX XXXX of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX XXXX of Alabama stating they do not report this information.
Product: Vehicle loan or lease

I have disputed this account with the company and bureaus on : XX/XX/2020 and XX/XX/2020. I have asked removed the incorrect information as my address, my name. They have removed the account all together from my XXXX and XXXX. I have then called on XX/XX/2020 and asked why it was not removed from XXXX and they could not give an answer. XX/XX/2020 it was removed from Transunion and on XX/XX/2020 it was removed from XXXX..
Product: Credit reporting or other personal consumer reports

I am writing to formally request the Consumer Financial Protection Bureaus assistance in removing inaccurate information from my credit report. Despite my repeated efforts to dispute the information with the credit bureaus, and creditors the inaccurate data has not been corrected. 
I was on vacation when my wallet was stolen and somebody took my Information and got accounts in my name. I would like all agencies to delete these false claims because I can note get approved for loan with my credit being so poor. Please delete all negative accounts I have listed on the FTC report. FTC Report XXXX XXXXXXXX. 
This continued failure to address my concerns is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following inaccurate information is being reported and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. I have contacted XXXX, XXXX, And XXXX. Under the FCRA, the credit bureaus are legally required to ensure that the information on my credit report is accurate and must remove or correct any disputed items after a thorough investigation within 30 days. Additionally, the FDCPA prohibits debt collectors from furnishing inaccurate or misleading information, and by failing to comply, they are violating my rights. I demand that the CFPB : XXXX. Investigate and intervene in this matter to ensure that the credit bureaus promptly remove the erroneous information from my credit report. XXXX. Issue a cease and desist order to prevent further reporting of these inaccuracies. 
XXXX. Ensure full compliance with federal law and that all future credit reporting is accurate and fair. If these issues are not resolved in a timely manner, I will consider pursuing further legal action, including complaints to the Texas Attorney Generals Office and potential legal remedies for damages resulting from non-compliance with the FCRA and FDCPA. Enclosed are copies of previous correspondence with the credit bureaus, as well as supporting documentation ( e.g., payment records, statements ) to substantiate my claim. I request written confirmation that the inaccurate information has been removed from my credit report within 30 days. Thank you for your prompt attention to this matter.
Product: Debt collection

American Collections Enterprise , Inc. called several times at my work number, and I do not know where they were able to get my work number from. I told the collector that I did not want them to ever call my work phone again. After I asked for a formal letter of the debt, the collector was very rude to me and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps reporting on my credit an account that I do not owe them on. I have contacted this company numerous times requesting information ( identification used, signatures, ect ) that was obtained in establishing this bogus account. This company has not removed this item from my credit, now have they provided any identification or signatures used to establish this account. The company is involved in illegal practices including re-aging credit. The company told me that they are not bound by the same fair credit reporting as any other agency and do not have to take false items off my credit report. I have disputed this item with Experian and they are not doing a thorough investigation because if they have, it would be removed from my credit as this item is false and this company is irrational, uses unfair practices against consumers, and thinks that they are above the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Product: Debt collection

I attached identity theft documents. These are unauthorized inquiries that needs to be removed completely off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear TransUnion, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but you've admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Sincerely, XXXX XXXX
Product: Credit card or prepaid card

why is XXXX being taken from me i explained i got an XXXX XXXX from the XXXX XXXX XXXX  did the store respond to the dispute? this is capital one spark card i answered orally at nauseum. i want the money credited. i also told you i was ripped off and the cost was misrepresented.the cost refund me. please refund the XXXX dollars
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX I sent a letter to Experian to update my personal information. I also sent a copy of my state issue ID, proof of residence and a copy of my social security card.
Product: Credit reporting or other personal consumer reports

Equifax Information services LLC, transunion and Experian keep letting XXXX XXXX XXXX XXXX report unauthorized accounts to my credit files. The company called XXXX XXXX XXXX XXXX was being dishonest about loan payments I had with them in the past, and they also illegally charged me overdraft fees as well. This company is very deceptive. I keep having to send ftc reports in to the three major credit bureaus and they never block this company from reporting information in my credit reports at my request
Product: Credit reporting or other personal consumer reports

I am having an issue getting my free annual credit report from TeleCheck. I am entitled to a free annual credit report under federal law.
Product: Mortgage

A couple of issues with Fay Servicing - In XXXX of XXXX I changed Homeowners Insurance carriers and between XXXX of last year and XXXX of this year, between me and my insurance carrier there were no less than 5 attempts to send the new insurance information to Fay Servicing . Fast forward to XX/XX/XXXX, I receive a notice that Fay Servicing was force-placing insurance on my property. During all of this, me and my insurance company were in contact with my SPOC ( single point of contact ) and were assured it was being taken care of. On XX/XX/XXXX, Fay advanced {$3400.00} out of my escrow acct for the force placed insurance. Reaching out again, was told their escrow department had never received the proof of insurance. I immediately got my agent and my SPOC on the phone together. Shortly after XX/XX/XXXX I received a letter stating the force-placed insurance was being cancelled. On XX/XX/XXXX Fay Servicing erroneously debited out of my checking account {$2400.00}. My regular payment was approx {$1900.00} which included and additional {$200.00} principal payment. Fay Servicing debited an additional approx {$500.00} without my consent. 

In addition to this, Fay Servicing set up a Loss Mitigation repayment plan that I didn't need OR request and as of today, the repayment plan is still reflected on my account. This is not the first time this has happened and will be following up with the FHA to ensure Fay Servicing is not receiving some type of servicer benefit from reflecting that an account is on a repayment plan. 

Last, but not least - I logged in to remove my banking information from their system and it will not let me remove it. Three or four times this week ( XXXX ) have left messages to have a manager, or supervisor call me to discuss to no avail, only voice messages from the SPOC. There are certain times I can talk outside of work and they will not call during those times and while they will call it an attempt to get a hold of me, I've been quite clear and have specified times. Agreeing to share this complaint as I hardly think that my experience is isolated and could possibly contribute to Fay Servicing being held accountable at the regulatory level for their questionable mortgage servicing practices. 

Including sceen shots of my payment and escrow history, the repayment plan & message not allowing me to delete MY banking information as well as letter rgarding force-placed being cancelled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  charged me for an item I never received and didnt do anything to remedy the situation and sent me to collection. The purchase took place XX/XX/2023 for an item in the amount of XXXX dollars which is unbelievably unreal and I was held liable for merchandise I never received.
Product: Credit card or prepaid card

I made regular payments to this Bank of the West ( credit ) Mastercard using their payment method through my checking account from another bank. The payment gets posted within 2 days without any issue ( and my checking account too shows that ). 

But the card puts a 15 days hold on payment -- which does not allow me to make subsequent purchases. 

I asked them why. The typical answers are ( i ) it's in our system -- we can not change it ( ii ) For all new customers we put such a hold ( which, I checked, is not true. My wife and some of my friends too opened this card at the same time. They don't have this issue. ) I have a high credit score. Irrespective of that fact, I do not understand the `real reason ' why such a hold would be on the amount that has already been taken out of my checking account and posted in the credit card account transactions -- and I would be blocked thereafter from using that credit-line for as many as 15 days.

The representatives ( to certain extent ) and especially the Supervisors have been very uncooperative and arrogant in discussing or resolving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.