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

I am writing to formally resubmit my complaint to LOANDEPOT.COM LLC regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX  XXXX XXXX, MI XXXX. My date of birth is XX/XX/year>. The associated FTC complaint report number for this issue is XXXX. I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Consumer Loan

I got a rejection letter from Capital 1 Auto Finance, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present Capital One credit obligations. '' I do not have nor have I ever had any Capital One credit cards. My sister in law, however, does and she has poor credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow Capital One has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies!
Product: Mortgage

I am entering this complaint for the civil lawsuit against Wells Fargo Bank I had a mortgage with Wells Fargo from XX/XX/XXXX through XX/XX/XXXX I had applied for a modification but was not permitted and almost lost my house
Product: Student loan

My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to the EXPERIAN requesting verification of an account being reported by XXXX XXXX XXXX. Each time, the account is coming back as " verified ''. I have requested information on how the information was verified and have received no response. The credit bureaus in question are not following the law. They are solely relying on E-oscar to " verify '' accounts. They are also not adhering to XXXX XXXX compliance protocol. Instead of doing their own independent investigation, they are going solely off of the incorrect information that is being supplied by XXXX XXXX XXXX. I have tried for MONTHS to get documentation from XXXX XXXX XXXX to justify their reporting and they have not been able to provide me with documentation. If they can not supply ME with documentation, then how are they able to report this information to the credit bureaus? That is a huge problem.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card or prepaid card

I've had a XXXX XXXX XXXX visa Chase credit card for the past, 1,1/2year i've been paying it in good standing time never been late on it. On, XXXX18 i wanted, to pay some of my balance off on the card, like i, have been paying fine for the past year an half, i come to find out that my account has been cancelled, I never received, a phone call nor a E-mail, nor any type of communication by mail telling me why my account had been cancelled. When i, called Chase credit card, the fraud department. advice me, that the creditors had sent them an alert saying that my account was fraudulent because, of the address that chase reported, to them, just be advised, that i've had this card for over a year an half and, never had a problem like this. I, called all creditors like XXXX, XXXX, and XXXX, well when i, spoke to XXXX they advice me due to the fact, that chase reported, an old address that i had over 10 years ago, they send an alert to them, and thats what made a fraudulent alert. XXXX, has also told me that they where going to mark it as an error. In order to get my card back from Chase credit they needed, to run my credit again, and i think thats not right since i, had my credit card in perfect standing position with Chase, by Chase running my credit again, that would bring my score down, and i don't think that's right for them to do this. Till this date i haven't received, any information about my account. They also have my correct address ever since i, opened this account, another thing they want to do is to cancel my milage i, have earn since i, had this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Transunion required me to pay a membership fee to submit a credit dispute. After I paid the membership fee, I proceeded to fill out the credit dispute form. I spent 20 minutes filling out the supporting information, but when I attempted to submit, I got an error stating that there was an error submitting my information. I tried submitting via mobile and desktop several times on XX/XX/XXXX, as well as several days later -- each time with the same error. I tried using XXXX XXXX and XXXX. 

Instead of getting help from Transunion, I continued to receive marketing spam that I did not opt-in for.
Product: Mortgage

In XXXX, our loan was sold to Roundpoint. At the time, the loan had double charged me on my insurance bringing my mortgage from {$1500.00} to {$1800.00}. XXXX ( # XXXX ) paid my insurance late and was given a cancelation notice and despite receiving a reinstall letter and assurances that I never lost coverage, they decided to apply their own insurance when they sold my mortgage, hence the cost. Eventually, Roundpoint got the refund and this was put into my account. On XX/XX/XXXX, I paid the difference which was supposed to clear my account ( XXXX ). The amount paid was {$2100.00} which cleared XXXX and XXXX. On XX/XX/XXXX, I paid my usual amount {$1500.00} which is supposed to be for XXXX On XX/XX/XXXX, I got a phone call in which I was told I owed {$300.00} something and I explained that the extra escrow amount was for a double insurance, that a new escrow estimate was done and all of this was supposed to be resolved. Once again, I was told that this was going to be fixed and my loan was up to date. Today, I got another call and once again I was told that the {$1500.00} I made wasn't enough and after going thru this once again, I was assured that this was going to be cleared by XX/XX/XXXX. PLEASE can someone get Roundpoint to fix their system? I am afraid that this will affect my credit rating, not to mention, all the time I have spent with this issue.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023, I submitted multiple letters to XXXX, XXXX, and Experian with my concerns about things being reported on my consumer report ( XX/XX/2023 letters attached ). There are numerous inaccuracies with the accounts in question. They are not in compliance with the XXXX XXXX XXXX of filing. As of now the CRA 's have not updated the status of any account nor have they notified me of an investigation and if there is one conducted they have not informed of the results.
Product: Checking or savings account

A deposit was made by cashiers check totaling {$39000.00} on XX/XX/23. I was told I would be receiving access to the funds on XX/XX/23. Huntington Bank proceeded to close my account and has held a hold on my deposit into my checking account for almost a month now. Nobody from Huntington Bank can tell me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXXXXXX XXXX XXXX  Account number : XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete the accounts
Product: Checking or savings account

Someone got a hold of my information using my account taking my money
Product: Money transfer, virtual currency, or money service

I am writing to formally address significant issues I have experienced with your platform regarding the removal of Zelle services from my account, unauthorized transactions, and the resulting hardship caused by these actions. These issues have severely disrupted my ability to manage my finances and fulfill my responsibilities. 

My specific concerns are as follows : 1. Unjustified Removal of Zelle Services : Zelle services were removed from my account without any prior notice or valid justification. This action was particularly detrimental as Zelle was my primary method of sending financial support to my family. By removing this service without explanation or alternative options, you created unnecessary hardship and barriers to my ability to fulfill essential obligations.

2. Difficulty Accessing Zelle Services on Other Accounts : After Zelle was removed from my original card, I attempted to add Zelle to another card to continue using the service. However, I was blocked from accessing the platform entirely, further compounding the issue. This restriction has left me unable to use Zelle, despite my reliance on it for critical transactions.

3. Unauthorized Transactions : In addition to the removal of Zelle, I discovered unauthorized deductions from my account that I did not approve. These transactions were conducted without my knowledge or consent, and I have not received any clear explanation or resolution regarding these charges. 

These actions demonstrate a lack of transparency, poor communication, and inadequate customer support, all of which have caused me significant financial and emotional distress. I trusted your platform to provide secure and reliable financial services, and this trust has been breached. 

I am requesting the following remedies : 1. A full
Product: Vehicle loan or lease

I had XXXX automobile loans through Wells Fargo. Both loans had gap coverage. Only had either loan for a short time. I refinanced one and traded the other. I waited until both loans showed paid in full before canceling the gap insurance because I had read that Wells Fargo was under investigation by the federal reserve for falsely obtaining gap refunds stating it was to cover a remaining balance. Even though both loans showed paid in full, Wells Fargo still requested the gap refund for both loans. Upon inquiry with Wells Fargo, I was informed that they would hold my refunds for both accounts for at least 120 days. This is unacceptable as they acquired the funds fraudulently and borderlines theft. The amounts stolen were {$850.00} for account XXXX and {$1000.00} for account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX bank Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXXXXXX XXXX XXXX  Acct # XXXX {$790.00} $ XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX {$680.00} $ XX/XX/XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The accounts listed below are a result of identity theft. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately FTC report filed on XX/XX/XXXX Dispute letters mailed out to Experian I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item listed below to be an error. XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor XXXX not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX before the payment due date. I NEVER gave EQUIFAX Reporting Agency OR XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX XXXX XXXX XXXX has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information.

To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. 


Sincerely. 
XXXX XXXX
Product: Credit card

Dear CFPB : In XX/XX/year>, I received an email invitation to apply for a Capital One Quicksilver credit card that came with a promotional bonus of {$200.00} if I spent {$500.00} within XXXX months. I applied and was approved for a {$3000.00} credit limit. I met the {$500.00} spending requirement before the XXXX months timeframe but noticed the promised {$200.00} bonus did not reflect on my online account.

I called Capital One and was told by the customer service agent that I was not eligible because the bonus was only meant for customers with 'excellent credit '. He insisted I applied for a variant of the Quicksilver card for customers with 'good credit ' which did not come with a bonus. I told him I had/have excellent credit with an average score of XXXX out of a possible XXXX and was sure I applied for the right card.

He then transferred me to a supervisor who did not resolve the problem and only escalated the matter with a promise that someone would get back to me. I have no confidence this escalation would lead to a satisfactory outcome.

It seems to me Capital One is dealing a sleight of hand and has no intention of fulfilling its advertised promise of a bonus.

Thank you for your time.
Product: Payday loan

I took out a loan in 2008 for XXXX. I paid each month XXXX a month for a total of XXXX. I feel as though this loan is paid and their interest rates are outrageous. They are threatening to sue me.