23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls me daily for debt. I explained the debt is not mine. They sent me some billing info with incorrect addresses and explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please. They sent me a notice for an obligation to pay. This is the third agency that contacted me in regards to this fraudulent debt.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by [ Credit Reporting Agency Name ] regarding inaccurate information included in my credit report. Despite my attempts to resolve these issues directly with the credit reporting agency, the inaccuracies remain uncorrected, and I am seeking your assistance in enforcing my rights under the law. 

Details of the Dispute of Inaccurate Information : Incorrect Information on File : Name : Listed in the letter sent to the credit agency Address : Listed in the attached letter sent Phone Number : None to provide Correct Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : noting Violations of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Reasonable Procedures to Assure Accuracy The credit reporting agency has failed to ensure the maximum possible accuracy of the information on my credit file, as required under this section.

15 U.S.C. 1681i ( a ) : Dispute Resolution After I submitted a formal dispute regarding these inaccuracies, the agency did not adequately investigate or correct the errors within the mandated 30-day period.

15 U.S.C. 1681n and 1681o : Civil Liability for Noncompliance The agencys failure to address these inaccuracies constitutes either willful noncompliance or negligence under these sections. 
Actions Requested : Require the credit reporting agency to fully investigate and correct the inaccurate information on my credit report.

Hold the credit reporting agency accountable for its violations under the FCRA.

Provide me with a resolution to ensure these issues do not recur in the future.

I have attached the following documents to support my complaint : A copy of my dispute letter sent to the credit reporting agency. 
My credit report with the disputed information highlighted. 
Proof of my correct information, such as government-issued ID and proof of address. 
Thank you for your attention to this matter. Please let me know if additional information is required to facilitate the resolution of this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of dispute letter to the credit reporting agency Evidence of correspondence Highlighted copy of credit report Proof of identity and address
Product: Credit reporting or other personal consumer reports

XX/XX/year> I wrote in and disputed online to update/correct my personal information and no action was taken. I also attached my supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, BANK OF AMERICA add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Hello!

I have collections reporting on my credit report reflecting via XXXX XXXX through Equifax, when I logon on to Equifax there are no collections. Please reinvestigate I have previously disputed but still reflects on XXXX XXXX delete as it is not reflecting otherwise.

Thank you,
Product: Credit reporting or other personal consumer reports

I XXXX XXXX checked my transunion credit report and noticed I have some fraudulent inquiries on my report I have listed the inquiries below. 

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

15 U.S.C 1681 I did not authorize anyone employed by these companies to make any inquiry and view my credit. this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 15 U.S.C 1681 Section604 A Section2- it also states a consumers Reporting Agency can not Furnish a account without my written instructions XXXX ( XXXX XXXX XXXX, XXXX GA XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX Requested On XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX Via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. 
PERMISSIBLE PURPOSE : CREDIT TRANSACTION Requested On XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX. a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have been in the XXXX industry for over 14 years. Understanding the dynamic of how our DATA is used has been on my mind for years. Particularly during incidents where companies have data breaches. For extra security, on XX/XX/2019 I opted for a PERMANENT OPT-OUT ELECTION FORM. Recently my husband applied for a VA home loan and the amount of marketing and solicitation calls was beyond overwhelming for myself personally. How could all these people have my information if I opted out. In trying to figure out how my information was distributed, I received from my current lender XXXX, resulted in me understanding my information was still being sold by the credit reporting agencies. This is very disheartening because many companies have global means to distribute my information without me having any recourse. 

Additionally, I would like to file a complaint against XXXX but am limited to 3 companies via this software. Please advise.
Product: Checking or savings account

I had my XXXX Loan deposit into my personal account, I did not know I needed a business Loan for my sole proprietor XXXX XXXX. I tried to withdraw funds from bank this morning and I was told my account was locked until I provided XXXX, XXXX, and tax documents. But those things were not and are not required to get a loan from the XXXX. I want my funds returned to me and account unlocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX Account # 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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 reporting, credit repair services, or other personal consumer reports

I mailed you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following information [ ( Report XXXX ) ] [ XXXX XXXX ] [ XXXX ]. Per [ ( USPS ) ] records, you received my dispute letter on [ XX/XX/2022 ]. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and [ ( delete ) ] the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter on [ XX/XX/2022 ]. Therefore, your response was due on or by ( XX/XX/2022 ) [ ( receipt ) ]. Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming [ ACCOUNT IS VERIFIED ]. 
Clearly, you have willfully failed to [ ( delete ) ] the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because [ ACCOUNT IS VERIFIED ]. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute.

Inaccurate addresses I never lived at or have no knowledge of are being reported to my credit report due to this concern I am not able to obtain any credit in my name. Due to my lack of acknowledgment for these accounts, I never associated with the account or addresses as stated above. Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.
Product: Mortgage

We purchased a home in XXXX, XXXX. Our insurance payment was around {$2400.00} and taxes {$3300.00}, this was used to determine our escrow amount. In XX/XX/XXXX our insurance premium was about the same and our taxes went down to about {$1800.00}, but our escrow amount increased. Then in XX/XX/XXXX our insurance went down almost {$1000.00} and our taxes stayed the same but our escrow payment increase again. I have asked for a breakdown but what they sent me was the same as what I could see online which does not show why the premium increased. From what I can see they charged me for insurance twice in XX/XX/XXXX. Ive contact the company by phone, email, and internet request none of the responses were helpful. They tell me someone will review the account but nothing has happened. 
Please audit my account to determine why they are charging us more when the payment should be decreasing. Attached are the closing statement and loan activity for the entire length of the loan ( as seen online ).
Product: Credit reporting or other personal consumer reports

Ive Ask XXXX, Experian and XXXX to delete all my old addresses and phone # and to update my information and they didnt 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Mortgage

In 2016 in XXXX I found that due to circumstances beyond my control that I would be unable to pay the county taxes. Being in a Reverse Mortgage situation, I knew that this was part of the contract and before it became critical I called Reverse Mortgage Solutions ( RMS ) to get advice. While on the phone I was told no problem that they would pay the remainder of my taxes that week. For me this was a big relief since I knew that I was going to be on a long road with the medical issues I was/am still having. <P/>The taxes were not paid until the end ofXX/XX/XXXX of XXXX. The next thing I know I am put on notice that I must pay back the borrowed money or I could lose my home. <P/>I went through a legal aide at a local University. Thanks to two other resources they paid RMS back. <P/>My complaint is this RMS never would put you through to a supervisor and the communication was difficult. Every person you spoke with gave a slight difference in what was going on with my case. <P/>When RMS paid the taxes part of that money was from the last draw I had. They are now charging me an interest fee and administrative fees. <P/>My financial counselor tried talking to a person on the phone and got nowhere and then asked for a supervisor to call and to date no response. <P/>RMS through this whole process has been difficult to work with. Some examples telling us to talk to a certain person and that person never materializes. Sending back checks that were to pay them for they had to come in on the same day. Miscommunication on verbal and written statements, such as you have a draw you do not have a draw and my signature does not match. <P/>I would appreciate you looking into this matter so I can get closure. I will be enclosing the last statement and the one that shows I had a draw. <P/>I am going to be in a very difficult situation come XXXX and the taxes for I am going back in the hospital and do not know what to do as far as my RM. <P/>RMS charged fees in the amount of {$790.00} for inspections and appraisal that will need to be paid eventually. They are telling me they had no choice due to HUD regulations but to move quickly on the inspection and appraisal once they paid my taxes. However, they never communicated clearly that by paying my taxes my loan would go into default. I never would have asked them to pay the taxes if I knew this would happen. I do not feel I should have to pay these fees. <P/>Additionally, I now have a negative " Net Principal Limit '' which they can not clearly define what this means for me and I would like clarity around this.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Debt collection

I previously had XXXX fake debts on my credit report that I had to have removed by filing complaints with all three credit reporting agencies bc they were a result of identity theft. Someone in Michigan keeps using my name and social security number and I wind up with various debts from XXXX XXXX XXXX. " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX '' and various other similar names that were showing up on my credit report. Ive added additional security on my credit report now due to this identity theft. These debts were found to be fraud in all three credit agencies and now I have another XXXX  and this Sunrise Debt collector XXXX XXXX XXXX keeps calling and texting me about a debt of around {$1700.00}. I told them this is fraud, I have never lived at the address they have on file and never lived in that state nor have any relatives that Live there. It's already been confirmed fraud. I was transferred to their fraud division and they refused to contest the charge, instead stating I need to email them further personal information so they can look into this. I asked them to resolve this over the phone and they refused. I have been hung up on or placed on endless hold. They are harassing me and refusing to listen to me when I say this is known identity theft fraud that's already been proven.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was clearly told on an account that it's a business account open 'd under tax id, still they continue to report to personal credit profile
Product: Money transfer, virtual currency, or money service

Coinbase My account has been locked for over 2 months with no response for the company. Ive sent multiple help tickets and called with no response. 

Coinbase Help ticket number : XXXX
Product: Credit card or prepaid card

Today XX/XX/2019, I called XXXX XXXX to get a balance on a credit account I have with them. It was in Collections and the balance is paid off. I arranged to pay off the account and we came to an agreement. The company told me what amounts I had to pay. I made 2 payments, {$200.00} in XX/XX/2019, and this weekend the second payment was taken out of my account for {$120.00}. After the second payment was made I asked the lady would this bring the account to {$0.00} balance? She said yes. I want to close the account and XXXX XXXX now says I owe {$6.00} and change. They are changing the original agreement. I do not remember the lady I originally talked to in XXXX who took my first payment but the person I talked to today was named XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX They are reporting the same account twice to each of the three credit bureaus making it look like I have more charged off accounts than I actually do. I've already attempted to dispute this and XXXX XXXX has yet to correct their reporting. I want this fixed on my XXXX, XXXX, and XXXX credit reports ASAP.
Product: Mortgage

My husband had borrowed in my current house.The entire loan was on his name. I have been trying to instate myself on the loan so I can retain my home. Ocwen is not reinstating me on the loan due to a bankruptcy done by my husband. They are offering a loan modification to my late husband. I want to keep my home. I have provided all the proof and I have a great job. I am a XXXX and have done everything right in my life. Its my bad luck that my husband did not look out for me. I have a XXXXr and an XXXX year old mother who live with me. They depend on me. It will be a shame that I will lose my home for some silly paper work. I am willing to work with Ocwen. I have contacted them several times. Please help me save my home
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX  XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX/XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$520.00}
Product: Checking or savings account

America First Credit Union has begun to adopt a strategy not unlike the major banks in which they reorganize charges to ensure that an overdraft is triggered. This is particularly evident when large payments are attempted ( i.e. Rent, Insurance, etc. ). Large payments are held days after the due date especially with recurring payments that are scheduled. This occurs on a monthly basis with my insurance payments. If I am not on top of my account, they will surge all of the smaller charges before applying the larger charges to ensure an overdraft is triggered. It is so prevalent I no longer use this establishment to pay rent because I can not trust that my rent payment will be honored in a timely fashion. This must be remedied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX. SYSTEM, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX XXXX XXXXXX/XX/2022.