23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX I received a letter of apology and a cheque for {$4200.00} for wrongful repossession on XXXX XXXX, XXXX of my XXXX XXXX XXXX. This happened even though I made a payment arrangement that expired XXXX XXXX, XXXX. XXXX XXXX, XXXX I called the loan provider to explain to them that a portion of the money {$310.00} of the {$2300.00} I owed was taken by the bank. I reassured them that if they took what I had at the moment getting the rest won't be an issue. The lender refused to take anything less then the full amount I owed. When I woke up the next morning my vehicle was gone. Florida statute XXXX governs the repossession of vehicles and the lender nor the recovery company abided by this law. They did not give me the opportunity to retrieve my belongings. In fact, XXXX XXXX XXXX XXXX attempted to charge me {$100.00} to retrieve my personal property : cell phone, pictures of my deceased mother, and a gaming laptop amidst other things. I did not have {$100.00} because I only had what was left for me to pay the lender. The car was sold in less than 30 days after repossession. Despite the car being in excellent shape the lender sold it for less then it was worth. Then turned around and demanded I pay the remaining balance of my car loan even threatening me with litigation. This is a trend with wells fargo where they repossess the vehicle, sell it, and force the borrower to pay the remaining balance. This method triples the amount of profits for the lender but extorts the borrower.
Product: Credit reporting or other personal consumer reports

Complaint Against XXXX for Inaccurate Credit Reporting Subject : Inaccurate Credit Reporting by XXXX To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Email : XXXX Date :XX/XX/XXXX Complaint Summary : I am submitting this complaint against XXXX for inaccurately reporting my mortgage payment history. The incorrect information is negatively affecting my credit score and financial standing. Despite my attempts to dispute the inaccuracies, XXXX has failed to correct the errors. 

Details of the Issue : 1. Creditor Name : XXXX XXXX 2. Account Number ending in : XXXX XXXX. Issue : XXXX is reporting incorrect late payments on my mortgage account. 
The report shows multiple 60-day and 90-day past due marks, which are inaccurate. 
I have made timely payments, and my records contradict the negative marks on my credit file. 
XXXX has failed to investigate and correct these inaccuracies. 

Steps Taken : I have disputed these errors with XXXX through their online dispute portal. 
I have contacted XXXX XXXX to verify my payment history. 
Despite my efforts, XXXX has refused to correct these errors. 

Relevant Evidence : I am attaching screenshots of my XXXX credit report, showing the inaccurate reporting of my mortgage payments. This includes : The reported payment history ( highlighting the incorrect late payments ). 
Loan balance details that confirm my payments. 

CFPB Enforcement Action Against XXXX : I am also aware that the CFPB recently fined XXXX {$420.00} XXXX for failing to ensure the accuracy of credit reports. This continues to be a serious issue, and I am requesting that the CFPB take action to ensure XXXX corrects my credit report immediately. 



Thank you for your assistance in resolving this matter. 

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

Victim of a data breach and I reviewed my credit report and discovered inaccurate information. I dispute and it still appears on my credit report. The accounts were inaccurate and closed but still shows account active. I believe I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect information reported on my credit report by TransUnion. I have identified several inaccuracies regarding my personal information, account details, associated phone numbers, employment records, and unauthorized credit inquiries, which need immediate attention and rectification. 
Incorrect Addresses : The following addresses listed on my credit report do not belong to me and should be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} Incorrect Phone Numbers : The following phone numbers listed do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX Correct Phone Number : XXXX Incorrect Employment Information : The following employment information is incorrect : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Correct Employer : Veteran Affairs Incorrect Marital/Co-Applicant Information : XXXX is incorrectly reported as my spouse or co-applicant. 
Unauthorized Credit Inquiries : The following credit inquiries were not authorized by me and should be investigated and removed : 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 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 XXXXXX/XX/XXXX I request prompt investigation into these discrepancies and the correction of my credit report as per the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of documents supporting my claims. Please inform me of the outcome at your earliest convenience. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JEFFERSON CAPITAL SYSTEM is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting
Product: Mortgage

My husband and I tried to refinance our home with Wells Fargo starting in 2010 and they jerked us around & had opened a revolving credit account for {$15000.00} without our knowledge. We were trying to get a XXXX  year fixed mortgage and they just spun us around until we couldn't make the large interest only payment. We put our house up for sale and ended up selling it for {$740000.00} instead of the {>= $1,000,000} they had appraised it for. They kept bullying us every week and headed into foreclosure on XXXX. Our house is worth over {>= $1,000,000} now. 

I have just got the run around again today by calling the number you supplied, XXXX to verify that we are on the list of damaged customers. They sent me to XXXX different people and no one can help me. They say they only see that we had owned the house and the old address. 

It's still the same run around we got in XXXX  until we finally had to give in to the lion and sell our home to avoid them finalizing on a foreclosure. I have a bankers box full of letters and communications with ultimately no help. 

I have attached just a portion of the countless communications I tried to have with Wells Fargo.
Product: Debt collection

I wrote Lockhart, Morris & Montgomery on XX/XX/2020 in which I posed a series of questions in which they did not fully answer. They simply sent me a copy of the contract from the original creditor without answering the questions in my attachments. I then proceeded to write them a second letter in reply to their first response letting them know that they were not in compliance with my request and attached evidence with my letter in which I have attached here as well. 
They had 30 days to legally reply in a timely manner to my request, and I gave them 45 days which was more than sufficient time for them to get back to me with the answers to my questions I posed again on my letter dated XX/XX/XXXX. I have also attached proof of the receipts that were both signed stating my letters were received and ample time was given to investigate. 
They neither replied to my letter this time, nor deleted the account from my credit. According to the FDCPA and FCRA, they are in clear violation at this point and I have given them more than one opportunity to correct this matter. I mailed them a third letter dated XX/XX/XXXX advising them of their violation and advised them to provide the evidence I requested in my previous two letters, or to DELETE this account from my credit reports. 
Since they have not complied according to my legal rights with the FDCPA and FCRA, then I thought this time to file a complaint with you along with the mailing of my final letter before I move forward with legal proceedings with this company. 
I am hoping that they will rectify this situation immediately or we will be seeing each other in court in my state according to my last letter mailed out. This is my FINAL attempt to settle this matter amicably.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account name Account name ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. XXXX XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. I was never late. Bank agreed to remove negativity due to their error. Please verify all information is true, accurate, and correct including name spelling, address of record, date of origin. Please check that account is not untimely inaccurate incomplete or unverifiable. Please CORRECT it quickly! 

XXXX XXXX Late Date XX/XX/21
Product: Credit reporting or other personal consumer reports

Issue Details : Company Name : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX Soft Pull Dates : o XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX o XXXX : XX/XX/XXXX, XX/XX/XXXX Description of the Issue XXXX  has been conducting repeated " soft '' credit inquiries on my credit report without my consent, totaling XXXX unauthorized inquiries over the last year. I have not authorized XXXX  to access my credit report on these occasions, nor have I entered any new agreements or applications that would justify these credit inquiries. These repeated soft pulls not only raise privacy concerns but could impact my ability to obtain credit in the future by influencing credit reporting data indirectly. 
I believe XXXX repeated inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they lack a legitimate purpose or my explicit permission to access my credit report. I am therefore requesting that XXXX cease these unauthorized inquiries, remove any inaccurate or unauthorized records of soft pulls from my credit report, and pay statutory damages for willful FCRA violations XXXX 

Relevant Legal Citations ( XXXX FCRA Violations ) : XXXX. Unauthorized Access to Consumer Report ( FCRA 604 ( a ), 15 U.S. Code 1681b ) o Under FCRA 604 ( a ), any company accessing a consumer 's credit report must have a " permissible purpose. '' Permissible purposes include applications for credit, employment, or insurance, or with explicit consumer consent. Since I did not authorize these inquiries and have no outstanding application with XXXX, this access lacks a permissible purpose.

2. Requirement of Consumer Consent ( FCRA 604 ( a ) ( 2 ), 15 U.S. Code 1681b ( a ) ( 2 ) ) o This section states that a consumers credit report can only be accessed with consumer consent in cases that do not otherwise meet specific permissible purposes. My consent was neither sought nor provided, making these inquiries unauthorized.

3. Improper Use of Consumer Report Information ( FCRA 604 ( f ), 15 U.S. Code 1681b ( f ) ) o Under this provision, a person or entity may not obtain a consumer report without a permissible purpose as defined in the FCRA. XXXX repeated access to my credit report without any permissible purpose constitutes a misuse of my consumer report data. 
XXXX. Request for Statutory Damages for Willful Noncompliance ( FCRA 616, 15 U.S. Code 1681n ( a ) ) o For willful violations of the FCRA, the law provides consumers with a right to statutory damages of up to {$1000.00} per violation. Given the repeated nature of these unauthorized inquiries, I am requesting statutory damages to compensate for these violations and deter further unauthorized inquiries.

5. Requirement to Maintain Maximum Accuracy in Reporting ( FCRA 607 ( b ), 15 U.S. Code 1681e ( b ) ) o Although soft inquiries do not directly affect credit scores, excessive inquiries may indirectly influence credit reporting assessments. The repeated presence of unauthorized inquiries could potentially impact my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have captial one credit card Since XX/XX/2018 And its not reported on all three reporting companies please update
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
ADDRESS XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ACCOUNTS/INQUIRES/ COLLECTIONS XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you. 
XXXX : XXXX XXXX XXXX UCC 1-308
Product: Debt collection

I was XXXX on XXXX XXXX & entered the XXXX XXXX XXXX XXXX. I was XXXX  on XXXX XXXX XXXX XXXX I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows, Jefferson Capital Systems account # XXXX. This account is fraudulent & I have filed & provided a police report
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX Date of inquiry : XX/XX/XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have been putting on my report that I owe them money due to an apartment but I called they had no records of me because I have never ever lived in XXXX Tx Im in XXXX  XXXX and they send me a letter stating that they have no knowledge of me living there or anything I asked them to remove it witch years back it was removed and now its showing again a
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX
Product: Student loan

Bogus Late Fee Charges  from Navient Student l oan. The amount bellow is for a bogus late fee. I have never been late. I have always taken the appropriate measure to defer or be  on Income base. Navient is playing games alleging that this o ccurred in  XXXX . This i  s False!
Navient To view all information regarding this notification, log in to your Navient inbox.
here 's a snapshot of your monthly statement.
Total payment due : {$85.00} Due da  te :  XXXX / XXXX / XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/scrub>XXXX  I filed an ftc report concerning inquires that i did not consent to, authorize nor benefit from. FTC report number XXXXaccording to FCRA 605B THIS INFORMATION MUST BE BLOCKED IN 4 BUSINESS DAYS FROM THE RECEIPT OF THIS COMMUNICATION. As of today the iquiries are reporting on EQUIFAX, XXXX and XXXX. ON XX/XX/year> I called XXXX and spoke to XXXX in the fraud department she said XXXX did not recieve the FTC report and it would take 7-14 days to remove after receiving the documents. Atttached is original letters sent to EQUIFAX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax today at XXXX to follow up on an investigation regarding XXXX. I spoke with XXXX of Equifax ( id # XXXX ). She asked me to verify my name and when I did, she stated that my name has the suffix " XXXX '' at the end. I told XXXX that my name does not have any suffix. XXXX told me that I needed to send in my identification. I informed XXXX that I had sent my identification and social security card to Equifax over 30 days ago. I also informed XXXX that I have already disputed this information with Equifax around XX/XX/2017. XXXX did acknowledge receipt of my identification. 

Even after Equifax received my identification to verify my name, Equifax has continued to report information about me under a name that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my XXXX XXXX XXXX XXXX card in XX/XX/XXXX of XX/XX/XXXX. I set up automatic payments as of XX/XX/XXXX for the account ; as I do with every one of my accounts so I never have to worry about a missed or late payment. I received a call in XX/XX/XXXX of XX/XX/XXXX stating that I was currently past due on my account and a payment needed to be made. I was not aware that my account was delinquent in payments and explained to the representative that I have automatic payments and should not be past due. He said for some reason they were shut off ( not from myself ) and that I would not receive a late fee because of the mix up. He then reassured me after verifying my bank information that I was set back up for automatic payments and wouldn't have to worry going forward. In XX/XX/XXXX, I once again received the same call stating that my account was past due. I then explained my situation again to the representative and the same outcome came from the conversation. After being told false information the first time I received the call, I went online myself to confirm that I was set up for automatic payments and from then forward I have been current. 

I am currently applying for a mortgage for my first home. When my credit report was pulled, two derogatory marks were shown for late payments. When I called XXXX, they explained to me that there was a returned payment of {$800.00} from XX/XX/XXXX and that shut off my auto-pay. I have bank statements showing the account balance as well as transactions for the month of XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX proving that the money was never drawn from my account and that there was more than enough money in my account for payment. 

I received a call in XX/XX/XXXX for payment and I explained to the representative that I have auto-pay and that I just had made a large payment on my account just a month before. He had said that my auto-pay was shut off and that I needed to make a payment. I was under the assumption that my auto pay would be turned back on once I confirmed my account information with the representative. 

I have never had a returned payment due to delinquent funds in my bank account. I have been a card member since XX/XX/XXXX and have had automatic payments set up from XX/XX/XXXX on. I don't know what happened in regards to the payment not going through, but it wasn't at fault due to insufficient funds. My bank also has no record of the payment ever being attempted to come out of my account. 

When I explained this ( many times ) to the representatives at XXXX, they said that it wasn't their error so there was nothing they could do. I tried explaining that it also wasn't my fault and that I have bank statements to prove it never was attempted to come out of my account and they said that there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an invalid collection account by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX  in violation of the FCRA that requires the validation of the information accuracy of a claim, the collection claim does not correspond to my personal information accurately