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

My information was found on a 3rd party website which is early warning signs and Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX  } { Credit Bureaus : ALL 3  } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00}.
Product: Credit reporting or other personal consumer reports

DEBT WILL NOT BE PAYED MEDICALLY UNABLE. 1099C REQEUSTED AND NO REPLY 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in XXXX
Product: Mortgage

I posted dated a check and mailed it for XXXX/XXXX/XX/XX/2015 for my mortgage payment as my mortgage company will only take online payments if all the late charges are paid at once ( also illegal ), and the check was cashed on XXXX/XXXX/XX/XX/2015 which cost me over {$70.00} in over draft fees with my bank. XXXX XXXX XXXX needs to be investigated.
Product: Mortgage

Account with Wells Fargo Mortgage. Have tried to find out why my escrow account keeps coming up short and they keep raising my monthly payments to cover it on a fixed mortgage account that seemed to stay the same for some 8 to 9 years and now just keeps going up. I saw a story about a lawsuit that says Wells Fargo has been making mistakes or falsely making adjustments illegally. You can no longer even contact them online anymore about your account. You ahve to try and call and get the runaround. I just saw a new hazzard insurance payment that I do not believe I ever saw before which I do not believe I agreed to either which needs to be paid back to me and if there were other payments of this they need to be paid back.
Product: Vehicle loan or lease

Professional Financial Services of Georgia is using bias predator interest loan high interest rates toward XXXX people by threaten them to be sue by their hired attorneys, for a not valid debt owed money {$13000.00} for a vehicle ( XXXX  XXXX XXXX ) that has been repossessed ( Professional Financial Services company of Georgia ) on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submittin this CFPB Complaint to follow up the most recent CFPB complaint I submitted last XX/XX/2022. The Credit Reporting agencies have failed to comply with the Federal statute and continued reporting the disputed items wihout sending me copies of proof of verification. This action of the Credit Bureaus is a clear violation of a consumer 's rights which is protected by the Federal regulation. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for referenced issues from above.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for Care Credit in the beginning of XXXX. I went through the entire application process upon which Synchrony Care Credit sent me a link to scan my face and my driver license. I scanned my face with no issues but when I tried to scan my ID it would not read the barcode. Thus, I was denied a line of credit. So I called and they send I could send a letter stating why I disagree with the determination. So I wrote up a letter stating I am myself and I am applying for a line of credit. I included the date I applied, my application number and a color copy of my driver license and social security card as well as some personal information to prove to them I am who I am. ( Which is that I am a co-signer on my Moms account and included all of her personal information as well-someone other then me wouldnt know that ). They eventually sent a letter back saying that this information I submitted was not sufficient in proving my identity so they advised I wait a month and try again. So, I waited almost a year after I was issued a new driver license, I thought maybe this time it will work. Same result. I called again explaining that my credit has now been dinged twice just to be denied due to a system error. I explained that I have an Amazon synchrony account and had no problems with that. They said there was nothing they could do to help me, that I could just keep trying. I dont know how it benefits them to keep letting people ding their credit and not fix their verification system but I am very upset. If they can not verify me and approve my account then I want the songs removed from my credit line. How many peoples credit are they harming when all we want to do is built our credit?
Product: Credit card or prepaid card

Dear sirs : Good evening. In XXXX, XXXX, XXXX I call Bank of America trying to get copies of the Credit Card Year-End Summary of year XXXX and XXXX of two credit cards whose account ends in XXXX and XXXX. They said that I was no longer his client and they cant provide services in connection withe the close credit card accounts. I said that this policy is discriminatory against the past clients
Product: Debt collection

RENT RECOVERY SOLUTIONS is attempting to collect an alleged obligation on behalf of AT XXXX XXXX. RENT RECOVERY SOLUTIONS on the consumer credit report ( this is the 3rd time ive gotten XXXX removed and it keep reappearing ) per my knowledge there is no legal binding contract bearing my signature to contract with RENT RECOVERY SOLUTIONS. the original creditor XXXX XXXX XXXX XXXX as inaccurately reported an alleged delinquent account bearing my personal information. per the law XXXX was paid in full via the negotiable instrument provided to XXXX XXXX XXXX XXXX during the signing of MY LEASE. per the bankruptcy act of 1933 congress gave the American people the right to pay for all debts by providing an negotiable instrument as I did when at the signing of said negotiable instrument on between the creditor and debtor in the year of XXXX. Per the debt collection laws RENT RECOVERY SOLUTIONS is in violation of the FDCPA, XXXX as the alleged debt as been satisfied. RENT RECOVERY SOLUTIONS and XXXX XXXX XXXX XXXXXXXX is in violation of 16 CFR 433.2 along with Title 15 USC 1692 debt collection practices per the FDCPA. RENT RECOVERY SOLUTIONS has committed identity theft as no permission was granted to house my personal information within their database. ALSO XXXX XXXX XXXX IS TRADEMARKED ON USPTO AND HOLD A COPYRIGHT and never gave RENT RECOVERY SOLUTIONS a license to use the mark. A invoice is attached
Product: Checking or savings account

On XX/XX/XXXX, I opened a High Yield Savings account with Synchrony Bank which was an online account with a transfer from my personal account in the amount of {$50000.00}. On XX/XX/XXXX I transferred another {$1500.00} to the same XXXX account. On XX/XX/XXXX, {$45000.00} was wired out of my XXXX account to " XXXX   XXXX XXXX '' totally without my Knowledge or approval and I have never had an account with XXXX. On or around XX/XX/XXXX, someone transferred out {$14000.00} ( which is more than would have been in the acount ) to XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX which I also knew nothing about and have never heard of either bank.. Since this was a savings account, I did not look at it ( as I obviously should have ) until XX/XX/2019 when I needed to withdraw some money. I could not access my XXXX online account at that time because the account had been locked, which I also did not know. When I called to inquire about my account, I was told that my account was " Overdrawn '' by the amount of {$14000.00} and I had to make a deposit immediately to cover that amount. They followed up with a letter saying " This is an attempt to collect a debt and any information obtained will be used for that purpose ''. I have spoken to several different people at XXXX and they will not even consider this as " Fraud '' and plan on pursuing this against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a charged-off lease account on my credit reports that I have been disputing for a while now. I have disputed this account directly with each credit bureau and XXXX directly and have not reached a resolution. I sent a letter to XXXX XXXX requesting all documents and validation of this debt and have not heard back or received any type of communication back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. How are the credit bureaus able to verify this account as accurate when XXXX hasn't verified this account with me? I am sure if I haven't received a response surely the credit bureaus have not heard anything back. This account was also deleted from my credit reports with XXXX but the other XXXX bureaus are reporting this account. If all bureaus receive their information from the same place how can they verify this account? It is illegal to verify inaccurate information on a consumers report. This account is in clear violation of my rights as a consumer and I am requesting that it be deleted from my credit reports now!
Product: Debt collection

I have a student loan account with Navient.navient is now commiting fraudulent reporting on my credit report.I have been making regular monthly of {$100.00} since XX/XX/XXXX.I didnt make a payment XX/XX/XXXX because for the fraudulent and inaccurate reporting. The took my payments for XX/XX/XXXX and applied only to one loan XXXX which is {$15.00} a month.Where where payments for XXXX XXXX XXXX applied to.Now my XXXX payments of & XXXX were not applied to any of my accounts.If this were any other business I would have every right to sue.
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 719XXXX has me at a score around 590. 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 XXXX  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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Email : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : XXXX Against XXXX XXXX XXXX Dear Sir XXXX Madam XXXX XXXX XXXX XXXX this complaint against XXXX XXXX XXXX regarding an inaccurate XXXX XXXX XXXX my credit report. Despite multiple attempts to resolve this issue directly with XXXX XXXX XXXX and the credit reporting agencies, the problem remains unresolved. 

Since XXXX is not my first language, I can not read letters. I usually use translation software. Since the bank I used for my auto loan was not the bank I usually contact, such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, I thought the payment notice I received was from a fraudulent company, so I delayed my payment. However, I have always maintained good credit and have never had any overdue payments. Due to this misunderstanding, my credit score dropped rapidly, which seriously affected my life. 

Issue Summary Account Information : Account Holder : XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Disputed Item : A late payment is inaccurately reported on my credit report for the month of [ XX/XX/year> ]. 
This negative entry has significantly impacted my XXXX XXXX and financial reputation. 
Reason for Dispute : I was unaware that the loan for my XXXX vehicle was serviced by XXXX XXXX XXXX. This led to an unintentional delay in payment. 
Once I realized the oversight, I immediately resolved the payment issue and brought the account current. 
Attempts to Resolve : I contacted XXXX XXXX XXXX on [ XX/XX/year> ], but they directed me to the credit reporting agencies. 
Despite filing disputes with [ XXXXTransUnion XXXX XXXX XXXX XX/XX/year> ) ], the issue remains unresolved. 
Request for Resolution I kindly request CFPB to investigate this matter and facilitate the following : Remove the late payment from my credit report Attachments I have attached the following documents to support my complaint : A copy of the credit report showing the disputed item. 
Payment records and proof of account updates. 
Any correspondence with XXXX XXXX XXXX and/or the credit bureaus. 
Thank you for your assistance in resolving this matter. Please feel free to contact me directly at XXXX XXXX if further information is required. 

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

In accordance with the Fair Credit Reporting Act : 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 XXXXXXXX, XXXX XXXX XXXX all have 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 states : A consumer reporting agency can not furnish a account without my written instructions.

I have disputed these accounts with Experian for 12 months with no live support or initial investigation that has been completed from initiated disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Back in 2010 I was steered into forbearance by XXXX/Navient. I had XXXX loans for XXXX dollars each and interest rates of 13 % and 7 %. When I was out of forbearance, I called and asked how I can lower my exorbant interest rates, and the man in the phone told me there was nothing they can do. He told me I can go to another bank and take out a loan to cover the over XXXX dollars I owed just in those XXXX loans ( I had XXXX other large private loans at the time and multiple government loans ). These banks require collateral and would never loan a XXXX year old with over XXXX dollars of student debt, XXXX dollars. The man told me there was nothing I could do but pay the loans and I had to struggle through years of extremely high payments until I finally paid off the high interest loans completely. I still have over XXXX dollars in loans because I had to spend all of my savings and every single dollar I had so that I was n't paying over XXXX dollars a month in interest. I now live paycheck to paycheck still paying off the loans I still have with Navient. I make required payments every month, yet the balance never seems to go down. I feel as if they are not allocating my payments correctly which has been brought up by the lawsuit yesterday. I feel that Navient has taken advantage of me and cost me XXXX of dollars of interest that I should have not had to pay if they steered me in the right direction instead of telling me there was nothing I could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing this complaint because I reviewed my credit report recently with my banker and it looks like i have a few accounts that either the balances are incorrect or i have no idea what they are. I requested an investigation from the credit bureaus ( XXXX, XXXX and experian ) I haven't heard anything. 

I sent a letter to all 3 bureaus on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my positive credit history was completely deleted from my credit report. 
Sunday, XX/XX/XXXX, I got a notification from several platforms notifying me that my credit score has dropped drastically, from XXXX to XXXX. I called Equifax, ( on Sunday XX/XX/XXXX ), around XXXXXXXX and spoke with a young lady who stated she was unable to help me with any information. I called back around XXXX and spoke with XXXX. I provided all of the security answers for him and advised him of the change on my report. He was very kind and helpful. He told me that on his side, he was able to see all of my positive accounts such as credit cards and car loans paid on time. He told me there was nothing to worry about and mailed out a copy of my credit report, confirmation XXXX. 
Monday morning, XX/XX/XXXX, I check the Equifax website myself. My score is now showing at XXXX with NO POSITIVE INFORMATION. I called Equifax again at XXXXXXXX and spoke with XXXX . He was kind at first, but was not understanding what i meant. He kept telling me that Equifax and MyEquifax are two different sites and that Equifax can be incorrect. I advised him that i am a paying consumer who demands my accurate information be updated as i have been denied credit due to their lack of consistency. I asked to speak with a XXXX, XXXX hung up on me. 
I called back at XXXXXXXX and was transferred to a manager, XXXX XXXX Employee ID XXXX. He proceeded to ask me security questions. I reported to him everything that was possible to be on my report, but he refused to give me access to my information. I have gone through this security test EACH time I've called. The one time I get through to a person that should be able to provide me with the assistance I am requesting, then all of a sudden, my answers are incorrect. This is a poor excuse of management and a legitimate business. I find it funny how all of my positive accounts have been removed, yet, there are remaining negative accounts. I also mailed out a final letter validation letter including my proof records from XXXX and XXXX to them. It was signed and received by Equifax on XX/XX/XXXX. No explanation of why all of my positive accounts were removed. How is this possible? They refuse to correct my credit report even though it is clearly their negligence. The irresponsible, inaccurate, and defamatory reporting of PAYING consumers ' personal credit information is illegal and i will seek public justice and compensation if this is not corrected immediately. This is absolutely unacceptable. 

I am requesting all of my positive credit history/current accounts be placed back on my credit report immediately.