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

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021, my insurance agent contacted me explaining that Caliber Home Loans did not pay my insurance company and that my coverage would be canceled. This same agent also contacted Caliber requesting that payment be sent over night. Caliber confirmed that they would send payment and the total was deducted from my account, Im the amount of {$1900.00}. 

On XX/XX/XXXX, the agent contacted me again explaining that the insurance company never received payment. She asked that they send another check overnight ( canceling the first ). However, because they did not send the first check, she encouraged me to pay to ensure that I did not lose coverage. I would need to pay the insurance amount out of pocket plus an additional 3 % to process the payment. 

I attempted to contact Caliber Home Loans using their customer service phone number to understand why payment had not been made. 

It took two hours of waiting, being disconnected after waiting, and being transferred. The custom service agent could not provide a tracking number for the check. 

I asked to speak with a manger to escalate this issue since it had been unresolved for weeks. She spoke to the manager and said she would transfer me. I was only transferred to the managers voicemail. Her name was XXXX XXXX. I left all of my contact information, and while the she was expecting my call, she did not call me back. 

When I checked my account online, I surprised to see that the money had been taken out of my escrow account to pay the insurance. 

At this point, my only option to maintain coverage was make a payments ( XX/XX/XXXX ), and an additional 3 % processing service fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in countless disputes about a XXXX XXXX ACCOUNT on my credit report. experian will not send me any signed contracts with my signature verifying that the debt is mine. this is not my account.. CFPB HAS JUST FINED XXXX XXXX FOR SUCH ACTIONS PLEASE DELETE THIS ACCOUNT IT IS NOT MINE According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I have mailed out a FTC report disputing some unauthorized inquiries from my credit report that I did not recognize nor have I ever gave these companies permission to furnish my consumer report. I have not got an response or an update of my credit report and it has been well over XXXX days. 

SEE ATTACHMENTS AND CHECK DATES!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/17 I sent a document to TransUnion requesting proof that they had verified accounts on my credit report prior to reporting the information. Since then they have not provided the data requested but states that these accounts have been verified without any proof of verification as requested. Please direct Transunion to promptly remove the unverified items from my credit report. I have attached copies of letters sent to them and their response which is proof my dispute was received.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORTS XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS 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
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file immediately : Unauthorized Accounts XXXX. Creditor : XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$2800.00} XXXX. Creditor : XXXX  o Account Number : XXXX o Balance : {$30000.00}
Product: Vehicle loan or lease

I am filing this complaint against Truist Bank/Lightstream for denying my car loan application in violation of the Equal Credit Opportunity Act ( ECOA ). The denial of my loan constitutes a breach of federal consumer protection law, as I am entitled to credit based on my application. Truists decision to deny my loan lacks lawful justification, especially since my credit rights are protected regardless of the contents of my consumer report. 

My loan application provides security interest, and I claim all Titles, Rights, Interest, and guaranteed Equity associated with this application. I am the creditor, not the borrower, as stated under 12 U.S. Code 1431 - Powers and duties of banks. Truists refusal to process the application violates this law and ignores my rightful claim. 

Key Issues : Unlawful Denial of Credit : Truists denial of my car loan application is in violation of the Equal Credit Opportunity Act ( ECOA ). I have a legal right to credit, and denying me based on unjustifiable reasons is a violation of my rights under ECOA.

Security Interest Provided in Application : My application serves as security collateral, and Truists refusal to recognize this fact breaches 12 U.S. Code 1431, which makes it clear that banks are the borrowers. I, as the creditor, provided the collateral necessary for this transaction.

Failure to Recognize Titles, Rights, and Interest : By denying my application, Truist has failed to honor my Titles, Rights, and Interest that are tied to my credit and the security I provided. Without my participation, including my social security number, no transaction can occur. The refusal to process this loan is both unlawful and discriminatory.
Product: Checking or savings account

On XX/XX/2022 around XXXX AM MST, I received 5 emails in quick succession stating that a Wells Fargo Everyday Checking account was opened using my info. About 10 minutes after these emails were received, I received another email that my Wells Fargo account email address was updated. 

I previously banked with Wells Fargo in XXXX, but do not currently have any products with them. I have contacted them and opened an internal fraud case.
Product: Credit card or prepaid card

I need to respond to the company - CapitalOne - mailed response dated  XXXX   XXXX ,  2017 a nd conspicuously not provided as supporting documentation as attachment to the previous complaint referenced as CFPB No. :  XXXX  and now closed. I am once again turned down for any assistance for hardship program. But more disappointingly - statements are made in this communication that are vehemently false and show poorly on my character and my attempts to make good faith payments. The payments  may be   small but I am willing to sign on for a set period of time. This is not good enough for them and now I 'm being threatened with Attorney actions.     In my continuous effort to seek assistance due to hardship circumstances I find myself in at this time - which have been ongoing for the last 6 months but, as I 've stressed - are only temporary and leave me with no steady income at this time, a communication received by way of letter dated  XXXX   XXXX ,    2017 summi ng up our last phone interaction of  XXXX   XXXX ,    2017  has several false statements made.      1 ]   XXXX   XXXX ,  2017 sta tes " ... our previous responses addressed your concerns and our decision has remained unchanged. '' They have not even attempted to assist by way of offering a paydown hardship agreement no any effort to freeze or lower the current APR ongoing for a determined time period which would assist me greatly.     I have been able to secure hardship paydown plans through my other Credit Card companies includi ng   XXXX   XXXX  ,  XXXX   and  XXXX   XXXX   XXXX . All are willing to work with me because of my positive history making payments in a timely manner always at minimum and above amount due.      2 ]   XXXX   XXXX ,    2017   Letter states - that I asked not to be phoned. That is not true. I stated that in CapitalOne 's attem pts to return calls in response to my complaint were only calls to harass me about a payment, not provide me an option of hardship assistance. I only want to discuss how I can show good faith in making small payments toward the full balance I 've accrued - a majority of which are balances transferred from h  igher APR cards during the 0 % promotional period. 0 % APR has gone up to % 23.4.
3 ]    XXXX   XXXX ,  2017   Letter state s " ... .Per your request, as of  XXXX   XXXX ,  2017 , we 've removed your telephone number from the account '' '' ...  Currently  we have no telephone number on file to reach you. '' FALSE.   I received an email stating my phone number was changed in my profile. Having been a victim of identity theft, I did not trust this email and went straight into  the Card Services profile and replaced my phone number. I did not give permission for them  to remove my phone number as its a matter of securing my account info and I want to be notified as I 've always been. So my number is in the profile and will remain there. They can contact me whenever they feel its necessary.     I am continually threatened with attorney action now and I have committed to make good on my obligation but CapitalOne practices are not allowing any assistance in this effort.
Product: Debt collection

I called Vance and Huffman LLC at ( XXXX XXXX XXXX, a collection agency that is working on behalf of XXXX to let them know that the debt they are attempting to collect has been discharged in a XXXX XXXX XXXX. I also told the company that they never showed up for the meeting of the creditors and had 30 days to respond to the court before the bankruptcy was XXXX. The collection agency still reported the debt after that conversation, even after I gave them my attorney information. I am unable to apply for housing because of this matter and may not be able to apply before the house is off the market.
Product: Debt collection

The company, Integrated Recovery Services , Inc. has been calling me 3 to 4 times per day, they are calling my brothers and leaving messages at least twice a day now. I called them and asked that they send the debt in paper form, through the mail. I still have not received this. They sent me an email with a document and request to submit payment. When I asked that they stop contacting my brothers, they agreed, and then proceeded to call them again the next day. I have contacted an attorney, and have them drafting a Cease & Desist letter now. One of their agents threatened me, blatantly saying, " I will call your whole family, I will make your life a XXXX! '' This man 's name is XXXX, he would not give his last name. He has threatened to call my employer ( I am unemployed anyway. ) He has threatened to " charge me with XXXX counts of fraud, '' twice now, and has referenced XXXX different counties. They have called me at XXXX XXXX and have been calling multiple times per day. They have an " F '' rating with the XXXX, and horrendous reviews by other people they have harassed. I want them to cease contacting me, and end their illegal methods.
Product: Credit card

When I called CITI regarding and questioned the card limit ( {$500.00} ) and the overage charges I made the day after notification they informed me of the total bill. I asked to why the very low limit, no reply. When I asked to pay off the total bill, I was informed that I could only pay the limit ( {$500.00} ) plus 7.5 % ( {$37.00} ) total {$530.00} payment. That keeps over {$150.00} on my card, WITH interest charges ( unknown to me ) AND reported the limit overage to XXXX. This caused my credit score to drop XXXX points and my bank to question me about this over limit credit card because they continually monitor XXXX and other credit score agencies. XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to the reporting of several accounts on my credit report. Despite submitting detailed disputes and requesting validation over 60 days ago, Equifax has failed to verify or validate the disputed accounts within the legally mandated 30-day period. This failure has led to ongoing inaccurate and harmful information on my credit report, causing financial and emotional distress. 

Accounts in Question XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Numbers : XXXX, XXXX XXXX Account Numbers : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX Specific Violations Failure to Investigate Disputes within 30 Days Violation : FCRA 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to complete investigations of disputed information within 30 days. Equifax failed to verify or validate the above accounts within the legal timeframe.

Impact : This ongoing inaccurate reporting has harmed my credit score and limited my access to financial opportunities.

Failure to Delete Unverified Accounts Violation : FCRA 611 ( a ) ( 5 ) ( A ) mandates that if an item can not be verified within 30 days, it must be deleted. Despite failing to provide verification, Equifax continues to report these accounts.

Impact : This has led to continued inaccuracies on my credit report, negatively affecting my creditworthiness.

Reporting Inaccurate and Potentially Misleading Information Violation : FCRA 607 ( b ) requires Equifax to maintain the maximum possible accuracy of information. By continuing to report these disputed accounts without verification, Equifax is not ensuring accurate reporting. 
Impact : This misleading information has caused financial harm, higher interest rates, and emotional distress.
Product: Debt collection

XXXX ( opened ) XX/XX/XXXX {$75.00} Filed disputes with XXXX credit agency.  Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW XXXX XXXX ( opened ) XX/XX/XXXX {$150.00} Filed disputes with XXXX  credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW XXXX XXXX ( opened ) XX/XX/XXXX {$150.00} Filed disputes with XXXX  credit agency.  Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. 
DEBT IS A VIOLATION OF HIPPA LAW Debt Recovery Solutions ( opened ) XX/XX/XXXX {$59.00} Filed disputes with XXXX credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW Incorrect social security number.
Product: Money transfer, virtual currency, or money service

{$100.00} from Zelle. Lost money sent in error. Nobody to contact so there wasnt any way I could get my money back. I am now unable to log into Zelle
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency has repeatedly refused my written request to remove information they UNLAWFULLY included in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A student loan went to collections, because I was XXXXXXXX later than expected and was XXXX during my time in school. I explained to these companies I was still in school but forced my loan into default back in XXXX. I have since tried to reconcile with the credit collections but unwilling to show its closed and it is still increasing on a monthly basis. It is showing the account as active and open when I know the original debt was closed and sold off to collection agencies.
Product: Credit reporting or other personal consumer reports

Third Notice to Experian CC : The Federal Trade Commission ; The Consumer Financial Protection Bureau ; Consumer Affairs ; North Carolina State Attorney General Office ; Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Account : XXXX XXXX Account # XXXX Balance : {$4200.00} Fraudulent Account :XX/XX/XXXX/ Account # XXXX Balance : {$2500.00} I have found that Experian has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which mandates that credit reporting agencies ensure the accuracy and integrity of the information they report. I am also concerned about the inadequate procedures your agency has followed regarding the investigation of disputes and the improper reinsertion of erroneous data, which has led to severe financial harm. 
As highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which was filed for failure to properly address consumer complaints about inaccurate data, your agency 's handling of my disputes appears to violate key provisions of both the FCRA and the Consumer Financial Protection Act ( CFPA ), including failure to properly investigate disputes : Under 15 U.S.C. 1681i ( a ), credit reporting agencies must conduct a reasonable investigation into consumer disputes. The CFPB has alleged that Experian, and likely other agencies, routinely engage in " sham investigations '' by accepting responses from furnishers without proper scrutiny. 
I assert that my dispute has not been thoroughly investigated, and I have received ambiguous or incorrect responses regarding the accuracy of my financial data. The FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) prohibits credit reporting agencies from re-inserting information that was previously removed due to inaccuracies. Experian has failed to implement adequate procedures that prevent the reinsertion of incorrect data, as noted in the CFPB 's allegations regarding Experian. As a result, inaccurate information that I have disputed continues to appear on my credit report, negatively affecting my credit score and financial opportunities.
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the XXXX XXXX Midland Funding XXXX. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized inquiry was made on my report and in accordance with The Fair credit reporting act XXXX XXXX Bank and XXXX XXXX  with incomplete applications has violated my rights. 
15usc 1681sec 602a states I have a right to privacy.

15usc 1681 sec 604a sec2 consumer reporting agencies can not furnish an account without written instructions. 
XXXX XXXX  Bank And XXXX XXXX