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

XXXX I am filing a compiaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I will never stop filing complaints against you because I know my rights! 

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

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

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.

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

I am writing this complaint due to Equifax not responding to request to have a inaccurate account removed due to it being fraudulently added to my account. I have disputed the account several times and I get the same generated response days later. I initially contacted Equifax on XX/XX/XXXX by mail, in reference to the account from XXXX XXXX XXXX XXXX, which is in the amount of {$380.00}. Following the generated response from Equifax, I contacted them again by mail on XX/XX/XXXX. Receiving yet another generated response, I contacted Equifax by mail again on XX/XX/XXXX. This account is fraudulent and inaccurate, and is being published and distributed to 3rd parties and is damaging my reputation and credit worthiness.
Product: Debt collection

BCA Financial Services Inc. took it upon oneself to post reputation destroying information to all three of my consumer credit reports concerning an alleged debt without contacting me prior to this attempt of XXXX of my character and well being. Upon calling this debt collector in attempts to correct the inaccurate location information the debt collector proceeded in attempts to coerce me into paying on an alleged debt along with giving incentives like offering a settlement for less than the alleged debt. This account was posted to my XXXX, XXXX  and XXXX Credit Reports XX/XX/XXXX for the alleged balance of {$400.00}. I, the consumer, sent a letter to BCA Financial Services in XX/XX/XXXX and received a response on XX/XX/XXXX. I responded with a cease and desist, affidavit of truth, invoice of violations, exhibits of those violations in a certified mail return receipt on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out multiple of times informing this company that i have not taken a loan out at anytime and also requested they send verification and method of verification and i have yet to receive any information with my signature confirming the consent
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband added me to his  AMEX card as an authorized user before we were divorced ... .Amex will not remove this fir me.    XXXX   is also refusing to remove this. I am not responsible for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Debt collection

On XX/XX/year> I gave notice to XXXX XXXX XXXX of 60 day notice of move out.in which I pride the last 2 months of rent I moved out of apartment on XX/XX/year>. But they have continously without merit have tried to collect a balance of {$1000.00} which was then given to XXXX XXXX XXXX which is illegal practices as stated the account was satisfied with original creditor this account in past was removed from my XXXX crefit profile but XXXX has failed to remove this fraudluent collection account..This collection on my crefit report has caused mental stress and disadvantaged me in any and all credit decisions by reporting a fraud I lent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax hack announcement, I applied to their Trusted ID credit monitoring program. According to the best of my knowledge and according to them, I was successfully registered with the program. However, at the time I registered, Trusted ID did not provide me with the means to register a password, nor have they subsequently provided me with a means to register a password, nor have they provided me with a password. Consequently, I have not been able to access and view my account. I have called the company and e-mailed the company to inform them of this problem. To this date they have not responded with a positive solution : I am still frozen out of my account. When you call or e-mail the company, they and their representatives just give you the runaround.
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. 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 Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of Education XXXX XXXX and the below listed hard inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights . 

I looked at my XXXX 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 ( XXXX ) 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.
Product: Credit card or prepaid card

FRAUD. CREDIT CARD WAS OPEN FRAUDULENTLY. PLEASE REMOVE OFF CREDIT REPORT AS IT IS AGAINST THE LAW TO REPORT ON CREDIT REPORT. THIS ACCOUNT WAS OPENED AND USED UNDER MY NAME FRAUDULENTLY. PLEASE REMOVE IMMEDIATELY. THIS COMPANY DOES NOT RESPOND AT ALL.
Product: Debt collection

Jefferson Capital Systems bought this debt from original creditor XXXX XXXX this has been on my credit for 8 1/2 years and its still damaging my credit after 7 years it's suspicious and sposed to come off please help me these people are crooks
Product: Credit reporting or other personal consumer reports

I value your help too remove a portion of the data in my credit file that came about because of fraud yet I have an Items passed on that should be taken out or remove Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$510.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$850.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$130.00} XXXX XXXX  ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXX/XX/XXXX ( Original Creditor : ) XXXX Balance : {$1400.00} ( Original Creditor : ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a small business loan when I was short on cash earlier this year. Giggle Finance was recommended through a rideshare app - so I decided to try applying. The application process was several questions- including a link to your bank account for " verification. '' The company told me I was approved for {$600.00} and sent me a text message that they would be in touch shortly to finalize details. As I was awaiting the finalization call, I noticed that they started taking money out of my account. I texted back the number that sent me the initial message and asked what was going on - only to realize that the number I had was someone's personal line as they responded late in the evening. She said they were beginning remittance on the {$1100.00} that I owed them. I told her I had not agreed to that, finalized, or signed a contract. She sent me an email with a contract with a fraudulent signature. I call my bank immediately and told them what was happening. They told me to reverse all transactions between the company- as it sounded like a scam. 
Several months letter I received a letter in the mail from the Secretary of State that there was a XXXX  XXXX placed on my name. I was trying to use my card for breakfast and my card was declined. I contacted the card distributor and they said my assets were frozen and to contact XXXX, XXXX, & XXXX for details. Upon contact they sent me the same fraudulent contract and said I owed Giggle {$2200.00} I explained to them the situation with no reply- only to receive an increasingly threatening letter that they were going to pursue further action against me. I have asked them for a breakdown of charges and validation of debt with no response. 

As a small business owner this continues to hurt my mental health and business I have been building for the last decade.
Product: Credit reporting or other personal consumer reports

I came across the CFPB EXPERIAN LAWSUIT. 
I feel I was negatively impacted by XXXX, hurting my chances at credit after receiving a response to my previous disputes, that the accounts were " verified ''.
Product: Mortgage

I began asking Mr. Cooper with help paying my mortgage on XX/XX/XXXX.  On XX/XX/XXXX I spoke with XXXX ( I dont have his last name ) and his recommendation was to apply for a loan modification. I wrote a letter explaining my financial difficulties. I was XXXX in XX/XX/XXXX and was denied 3 months of my social security benefits. I have been struggling to make a comeback from this. I am retired and on a fixed income. 
I mailed my 1st application XX/XX/XXXX. I was rejected because I missed the due date of XX/XX/XXXX by one day. 
On XX/XX/XXXX I mailed my second application with a USPS and a tracking number. It was delivered XX/XX/XXXX tracking number : XXXX. 
I began calling to check the progress of my application. I called XX/XX/XXXX and spoke with XXXX ; she reported no documents received. On XX/XX/XXXX I spoke with XXXX ( I am uncertain as to the accuracy of this name ). She reports no documents received. On XX/XX/XXXX I FAXED my third application. On XX/XX/XXXX to check progress. I was told they had no information. On XX/XX/XXXX I mailed my 4th application via certified mail number : XXXX. It was delivered XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called again. I was told I needed to submit award letters for my social security and my pension. I told them on page 3 of the documents required it states this information can be submitted by 2 recent bank statements OR with an award letter. I at this point had submitted 4 copies of bank statements with the social security and pension deposits highlighted. On XX/XX/XXXX I mailed my 5th application. The issue of award letters so I FAXED them on XX/XX/XXXX. I sent my XXXX pension information and the needed the XXXX document. I FAXED the XXXX pension document on XX/XX/XXXX. I have not included the unreturned responses to my many phone calls and emails. I reached out to their Research Department as well as their Consumer Relations Department. On XX/XX/XXXX I called the Consumer Financial Protection Bureau. I spoke with XXXX. I was given on how to proceed with a complaint.
Product: Checking or savings account

I did an appeal for the alleged violation that they can't come up with a violation there ain't no violation the appeal was denied they claimed that I violated one of their guidelines but they can't tell me a guideline I violated. Breach of contract I'm trying to get it resolved still it won't resolve so it's in your hands now thanks
Product: Debt collection

SYNCB/XXXX XXXX  Open Date XX/XX/2024 {$6800.00} Closed No Action take and this is Affecting my family and my credit
Product: Debt collection

XX/XX/XXXX received a collection notice of a debt that I owe {$4200.00} plus {$640.00} totaling : {$4900.00} to XXXX XXXX XXXX purchased in XX/XX/XXXX. I have never ever had any dealings, accounts, or service with XXXX. My internet service provider is XXXX / XXXX and my wireless service provider is XXXX XXXX. In my XXXX  years of existence, I had never had any relationship with XXXX. Who, what, how my name was used to transact this account with XXXX, is beyond me. I suspect someone has committed fraud using my name and contact information. Now I'm dealing with the 3 Credit report agencies to have this cleared up. Put a dispute with the 3 credit reporting agencies as well as a freeze on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to report multiple fraudulent activities and unauthorized accounts impacting my credit profile. The following issues require investigation and immediate resolution : 1. XXXX XXXX XXXX XXXX : I did not authorize the opening of this account or any of the charges associated with it. I have no knowledge of this account and request that it be removed from my credit report as a fraudulent account. 

2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ** : I did not authorize the opening of this credit card account or the transactions made under this account. I am disputing this account and any associated charges, requesting its removal from my credit report as fraudulent. 

3. XXXX XXXX XXXX XXXX : A charge-off for this mobile phone bill appears on my credit report. I did not authorize or initiate this account and dispute the legitimacy of this charge. I request its removal as a fraudulent entry. 

These accounts are clear violations of my consumer rights under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681, which entitles me to accurate and fair credit reporting. Under this law, I request that the credit reporting agencies conduct a thorough investigation and delete the aforementioned fraudulent accounts from my credit profile. Additionally, under the **Fair Debt Collection Practices Act ( FDCPA ) **, I demand that no further collections or attempts to recover these alleged debts take place, as they are invalid.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX  XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX  XXXX XXXX  {$560.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Good Evening, I am writing because I think Key Bank is running a scam with the XXXX Unemployment Checking/Pre-paid Accounts. My account was fraudulently accessed in XX/XX/XXXX via multiple ATM withdrawals. I contacted the fraud department and after several attempts of them telling me they couldnt prove my identity. I finally received a claim #. I later received a letter in the mail saying they would be refunding the money. Then I received a check in the mail for {$16.00}. I contacted them to ask what this {$16.00} check was for and when will I receive the $ XXXX they said they would be refunding? I couldnt get a straight answer. Instead, I got the run around and was even told that Unemployment closed the account, so the money was given to them. 

I knew that was a lie because Unemployment had sent me a letter a few days prior, stating that KEY BANK closed the account. I decided to play XXXX 's advocate and called Unemployment. They confirmed what I already knew. They only deposit money into the account, they dont withdraw or take custody of accounts and they reiterated that KEY BANK closed the account. I called Key Bank and told the customer service rep about my conversation with Unemployment. THEN the rep let me know that a debit card was issued on the account and the refund/ $ XXXX was withdrawn ONCE AGAIN via ATM over a series of days, despite the fact that I specifically asking Key Bank NOT to reissue a debit card after my account was fraudulently accessed the first time. 

I was given the transaction dates and amounts and transferred to someone else. I also requested the statements be mailed to me. All in all I was transferred around for XXXX hours before I got to the dispute department, who would then tell me they couldnt prove my identity. Once again I emailed my ID and waited. 

I reached out to Key Banks XXXX Office with my frustrations only to be treated like I imagined receiving transaction details from a Key Bank customer service XXXX On XX/XX/XXXX, I was told by XXXX O that, the reps wouldnt be able to see transactions to give me that information. WHAT?! I was then transferred to XXXX, who said they didnt find any error on their part and concluded that I was at fault and committed dispute abuse, meaning my dispute claim was fraudulent, so the $ XXXX would not be refunded and if I needed further assistance, I should contact customer service. I contacted customer service and again asked for the statements so I can file a police report. To date, I have not received the statements.
Product: Mortgage

Our VA mortgage is was purchased by Amerihome since we closed with XXXX XXXX. We are now in the process of selling our house and will be allowing the buyers to assume the loan. 

Amerihome has refused to let us speak to anyone regarding the assumption process. We are now unable to check on the status of the assumption or relay to the buyers any information about the expected waiting time for the assumption process to be complete. I acknowledge that the process can be lengthy, however, we can't even get anyone from Amerihome to talk with us regarding the matter. We have made multiple calls to the customer service line asking to be put through to the " XXXX XXXX '' and every time we are told it is not possible and that there is no one to speak to for assistance. 

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

I fear that I may be a victim of Identity Theft!! The Credit bureaus have a responsibility to report accurate and concise information for a consumers credit report. Subsequently, how is that possible if Experian had two different social security numbers attached to my file? This is grounds for removal of all negative accounts and inquiries on my report, they also violated my rights under : 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 an account without my written instructions.

Also, the Credit bureaus had this inaccurate information reporting in my personal credit account for an unknown amount of months/years. That damage will forever be irreparable due to the high interest rates, large amounts being spent on credit restoration and my inability to get approved for housing and other lending that depends on the accuracy my credit report. 

Experian has updated the social security number for my account, but Experian is still reporting accounts that were mixed into my account. At the date of this letter, so far it has taken more than 17 days to complete my investigation. 

Here are my certified mail tracking number ( s ) : XXXX ; XXXX
Product: Mortgage

I have been trying to close a refinance mortgage with Freedom Mortgage Company and they are not providing my closing documents and my closing is scheduled tomorrow XX/XX/XXXX. I have emailed the exception handler on XX/XX/XXXX and XX/XX/XXXX with no response in regards to these documents. Since it has been so long since my initial application in XXXX I no longer have access to the online portal. I feel as if we have no choice but to close on the loan as we have already taken time off work to make this appointment. This is the second attempt at closing this loan and I have spent countless hours trying to get the company to communicate with me.