23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian po box XXXX XXXX, XXXX XXXXXXXX XXXX on, 15 U.S. Code 1681c2 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 an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes 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 : ( XXXX ) 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 consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : $ {$3800.00} Fraudulent Inquiries : Inquiry Name : XXXX. 
XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, IA XXXX Re : UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/XXXX, and XX/XX/2020 The Wells Fargo Bank ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. THERE ARE TWO INQUIRIES ON XX/XX/XXXX, and XX/XX/2020. 

These are impacting my credit and am unable to obtain needed credit. 

. XXXX*I RESPECTFULLY ASK, REMOVE BOTH THESE INQUIRESS FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****
Product: Credit card

On XX/XX/XXXX discovered credit card missing last place I had it was in my car. Two unauthorized transactions were posted on XX/XX/2024 these two transactions were not made by me. It is my hope that this can be resolved quickly by crediting these two transactions from my card account. Thanks for your time and assistance in this most important matter,
Product: Student loan

I was recently enrolled with Navient loan forgiveness program last year 2016.i had several loan accounts that I was told that would be consolidated into XXXX account. although a couple of payment have been missed. 
Navient went back on my credit report, and in Just one month alone my credit score dropped over XXXX points. and pretty much murder my credit by hard hitting all the accounts instead of just that XXXX I was told it would be consolidated into. this literally happened right after I enrolled into Obamas newest loans forgiveness program.
Product: Credit reporting or other personal consumer reports

I am attempting to log into Experian 's portal via an established username and password. I am attempting to update this information as some of it has recently changed. When attempting to login to Experian 's portal I am told to input my phone number to receive a passcode to login. No text message, or call, is ever made to my number despite it being on file. I have attempted to call their customer support line multiple ( minimum of five ) time. I have also attempted a different number in an effort to speak to an agent who directed me back to their automated system which was unable to resolve my issue and ultimately closed the call on me when asking to speak to a human representative. I am extremely dissatisfied with their customer support and need to access my account to remove a credit freeze/lock urgently. I have been left with no other course but to pursue federal assistance in getting access to my account, account information, and credit controls. 

I have provided my address, recent addresses within the last 5 years, phone number, social security number, date of birth, and other personally identifiable information in an effort to get this issue resolved and have yet to be able to even attempt to resolve the issue. 

I have also attempted to create an account, to ensure that I did have an account with Experian, and was informed that one already existed with the information I was providing.
Product: Credit reporting 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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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: Vehicle loan or lease

I purchased a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX STOCK # : XXXX ( USED ) VIN : XXXX XXXX XXXX XXXX though my business XXXX XXXX XXXX XXXX XXXX along with GAP insurance on XX/XX/XXXX. My vehicle was involved in a accident and was totaled on XX/XX/XXXX. I reported the accident to XXXX XXXX which is my car insurance. My vehicle had full coverage and the vehicle was deemed totaled. Since XX/XX/XXXX Mercedes Benz Financial has refused to cooperate with XXXX XXXX. Mercedes Benz Financial refused to give XXXX XXXX the appropriate title to settle the case. Since XX/XX/XXXX, several representatives at Mercedes Benz Financial have given different and conflicting responses to the reasoning for the delays in giving the insurance company the appropriate paper work for the claim. Due to the delays on the part of Mercedes Benz Financial I have accumulated car payments that I can not afford and have affected my credit with late remarks because of the long drawing out of the process. Mercedes Benz Financial now wants to default my loan. I suspect that my vehicle never had the legal appropriate title work since my purchase, making my loan contract faulty and possibly invalid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sold my account to XXXXXXXX XXXX. When my account was sold XXXX provided the wrong information - the wrong address, phone number, email, everything. They also disabled my login, and left me unable to authenticate myself ( can't if I dont have account number or matching information ). I was unable to register a new login because my information did not match ( I live in Texas, the address was a new york corporate address for a corporation I do not work for and never did ). 
This negligent act meant the company would not allow me to make payments and it took several months to correct this issue. By the time it had corrected they marked me with a 30, 60, and 90, 120, and 150 day late payment on my credit report. While the account is current now they intentionally and maliciously sabotaged my credit score. Then to add salt to the wounds they slashed my credit limit based on the low score they caused.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX5 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: Debt collection

Was told if I do n't pay in timely manner before XXXX 2016 that they would report me to the credit companies. I have received dozens of call. The most recent call was in the middle of Hurrricane XXXX while I was being evacuated. Please stop these heartless companies from harassing and damaging people 's lives.
Product: Debt collection

On XX/XX/2014 a judgement was made against me in the XXXX County Court of Common Pleas. The Collection Agency involved is Reimer Law Company, working on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount stated in the original Order was for {$23000.00} and is currently stated on a wage garnishment Order as being {$26000.00}. I felt it was strange that a wage garnishment would take effect five years after it went through a court system. I looked into XXXX XXXX XXXX XXXX XXXX XXXX and found that the CFPB had proposed it's own Consent Judgement against XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently, my wages are being garnished at 25 % and with the garnishment being decided three years prior to the CFPBs own opinion, I would like for the matter to be looked into by an outside source.
Product: Mortgage

Loan Servicer : Sofi Lending Issue : Servicer is refusing to release required funds from escrow to cover mandatory homeowners insurance premium. Lender has been provided all insurance information and information has been verified with the lender. They have stated they will hold funds because their system doesn't reflect a payment due although all invoices and documents have been provided by myself and the company. Receipt of documents have been verified by the lender. The lender has excessive escrow balances and should be making payment as required but due to some sort of issue within the organization, they have not. I have attempted to rectify from XX/XX/2020 to present XX/XX/2020 including emails and phone calls.
Product: Debt collection

In XX/XX/XXXX Forster and Garbus LLP sued me in state supreme court without properly informing or notifying me, and as a result I am now over three years later being threatened with wage income execution for a debt which has since been disputed and has since been removed from my credit as recently as of XX/XX/XXXX. With the firm having meaningful attorney involvement in the process and executing such orders improperly during the validation periods is a direct result of my suit and the impending wage income execution which was unlawful. 

A week ago, the local county law enforcement was paid less than XXXX dollars to serve this, to which they didn't even obtain a signature and left it in a general mailbox. The sheriffs office has refused to address the lawsuit pending against this law firm for violations such as this with the FDCPA, FCRA and other laws to protect consumers against UDAAPs. I do not have the means to sue the firm or my county to prevent this execution from happening, so I am turning to the CFPB to hopefully corroborate the Unfair, Deceptive Abusive Acts and Practices of Forster and Garbus LLP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXX. I requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of XXXX. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.
Product: Debt collection

they call non stop and now have contacted a friend of mine. I have no idea how they got his telephone number, but said they were calling for me to collect a debt. I also paid them in the past and they still call and say it 's not paid. it is XXXX and they called from XXXX
Product: Credit reporting or other personal consumer reports

XXXX reported a claim for windshield on my truck in XXXX of XXXX. A claim was never submitted by myself I only inquired about deductible and decided to pay out of pocket. XXXX still reported a claim to Lexis nexus. I disputed with XXXX they argued that it does not cause an increase to my insurance premiums however it has and I have tried numerous times to get this corrected with no luck. I have proof as I just renewed my insurance again and the price went from {$490.00} for 6 months to {$540.00} and it shows it is because of the fraudulent claim from XXXX. Lexis Nexus was contacted and told it was incorrect and they refused to correct it. I also filed complaint with XXXX XXXX insurance complaint and that went no where. At this point I want this fraudulent claim completely removed from my profile and reimbursement for the additional cost that this false claim has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 instructions
Product: Checking or savings account

Chase put an additional hold on my funds after my funds was cleared and are now available. When i called about the restrictions on my account I was told I sounded XXXX and that they would need to do extra verification in that case even though my check had cleared. Ive been racially profiled and discriminated against by CHASE BANK.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the ongoing inaccuracies in the disputed accounts listed on my credit report. Despite multiple requests for thorough investigations into these errors, I have not received a satisfactory resolution. The presence of these erroneous accounts is severely damaging my credit score and affecting my financial stability.

The negative impact of these inaccuracies has caused significant hardship in my life, and I urgently request your assistance in conducting a comprehensive investigation into each disputed account. It is essential that my credit report is updated and corrected without further delay to restore the accuracy and integrity of my financial records. 

I kindly ask that you give this matter your immediate attention and take the necessary steps to resolve it promptly. Your cooperation in this matter would be greatly appreciated, and I look forward to your swift action. 

Thank you for your understanding and support.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute XXXX XXXX, XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

On XX/XX/2021 I submitted a dispute to Equifax. It is now XX/XX/2021 and the investigation has not been completed. This investigation has taken longer than 30 days.
Product: Credit reporting 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 name # XXXX XXXX account number # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was enrolled in Citibank Checking Account No. :  XXXX Thank You Rewards since XX/XX/XXXX My last record of Points Earned XX/XX/XXXX My last Order Using Thank You Rewards program XX/XX/XXXX Cart ID : XXXX Order ID : XXXX During the active Thank You Rewards program membership period from : XX/XX/XXXX to : XX/XX/XXXX 5 years and 6 months, XXXX reward points were not applied to my Thank You Rewards program Account No. : XXXX On XX/XX/XXXX I contacted customer service ( XXXX ) XXXX and addressed these issues to Customer relations Supervisor named XXXX, located in Texas. I was informed over the phone that Im not enrolled in the Thank You Rewards program ; however I explained that I have been member since XX/XX/XXXX and already made purchases using my points. 

Please investigate this incident and make fair determination, I was sure that Im earning points for using my debit card but in reality looks like I was defrauded.
Product: Mortgage

My loan was sold from XXXX to BOK. BOK has mishandled the transition of the loan, loan payments, escrow payments in a manner so incompetent as to create financial harm and great financial risk to customers. 
BOK is not making payments on insurance that they are escrowing and caused a flood policy to lapse in XXXX XXXX at peak hurricane season. the flood policy can not be renewed at the same rate, specialty rates are offerred to renewing customers only with policy payment before expiration date. A new much high rate must now be paid b/c BOK did not fulfill the responsibility to pay the policies for which it is escrowing funds for. I currently do not have flood insurance on my property due to BOK 's mishandling. BOk is refusing to make payment on the flood insurance policy and states they do not do escrow analysis when aquiring new loans. they are holding the funds to pay the policy and will not contact the company to make payment nor return the funds to me. 

Additionally automatic loan payments were not transferred when selling the loan and the company sent me to their problem payer department after XXXX  days and would not let me set up an online account to establish autopayments. they made the process very difficult and penalized customers for their incompetent and poor processes to transition a loan they purchased. 
please give consumers greater choice in deciding what companies service their loans. I do not want this company to be my loan servicer and it is unfair I have no say in who I do business with
Product: Mortgage

I called loan Depot.com, XXXX for an check of their rates on a home equity loan. I was transferred to XXXX XXXX XXXX who proceeded to give me a high pressure sales tactic for a 30 year mortgage loan of {$100000.00}, which I did not want. I did not accept this offer, and only told him I would think about it. I had subsequently decided to accept a more conventional HELOC with another lender. Loan Depot.com called my house numerous times, and today a fully filled-out loan application ( minus my signature ) arrived in the mail. I feel this is completely out of bounds and I am very upset about this. A lesser informed consumer might feel obligated to accept this offer, which obligates them for 30 years. I would like the CFPB to issue a warning to loan XXXX and XXXX XXXX stating that this tactic is unethical. I 'm not sure if this is illegal, but if it is please take appropriate action.
Product: Credit card or prepaid card

After making a large payment of {$8000.00} towards my balance, Barclays reduced my credit limit to {$1700.00}. This was done without ever receiving a late payment. They've ruined my credit while I am applying for a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this account on my credit report that does not belong to me XXXX XXXX XXXX XXXX  ... XXXX... XX/XX/2012...