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

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX  ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$520.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I purchased a vehicle thru American Car Center in XX/XX/XXXX. They Bankrupt in XX/XX/XXXX and Westlae portfolio took over. I DO NOT have a signed contract with Westlake portfolio. I NEVER received a letter, phonecall or email regarding these changes with my contract. I had a Warranty with XXXX and Westlae dlclaims they do not honor the warranty. I paid out of pocket {$1100.00} for repairs when I shouldn't have. I paid a lawyer to send a letter to Westlake demanding my money and Westlake has YET to respond 2 months later. American Car center BREACHED everyone 's contracts and now we are all expected to be ok with this. I've paid out {$11000.00} for my vehicle already which is well over the XXXX XXXX  value for it. They have put so many people in a messed up situation and have been picking up vehicles even if they are paid up. I believe action should be taken against them for this.
Product: Credit card or prepaid card

Someone opened a Bank of America credit card in my name on Friday, XX/XX/2022. They immediately tried to make two purchases totaling over {$1000.00}. BoA denied the charges and alerted me to the suspicious activity. The bank subsequently closed the account.
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 CFPD findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter to Experian Dispute Center on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. 

These are clear violations of my federally protected rights.
Product: Mortgage

We received a XXXX principal curtailment credit on XXXX XXXX.We requested this credit to be reversed and applied to mortgage arrears due to covid expenses and finances at the moment. In our complaintXXXX lenders letter dated XXXX XXXX reversed our principal in XX/XX/XXXXas letter stated. We are requesting the same for this XXXX earned principal curlailment since lender already set precedent.
Product: Credit reporting or other personal consumer reports

I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to file a formal complaint against Equifax for ongoing issues with inaccurate reporting on my credit profile, along with their repeated failure to conduct accurate investigations into my disputes. Equifax 's actions have not only harmed my financial stability but have also caused significant emotional distress due to the repeated denials and humiliation I have faced. 

Here is a summary of the key issues I am experiencing : Inaccurate Reporting and Inadequate Investigation For years, Equifax has incorrectly reported multiple items on my credit profile, specifically my student loan accounts. Despite numerous disputes submitted by me, Equifax repeatedly failed to address or correct these inaccuracies. It was only after my final dispute, sent with a comprehensive invoice and formal demand for investigation, that Equifax finally removed these accounts, providing proof that their prior investigations were either incomplete or inaccurate and in violation of my consumer rights. 

Emotional and Financial Impact The extended period of inaccurate reporting has resulted in numerous denials and setbacks, including multiple credit denials and the resulting financial impact. This has led to feelings of depression and humiliation, significantly affecting my well-being. Equifaxs failure to investigate thoroughly, as required under the Fair Credit Reporting Act ( FCRA ), has exacerbated my distress and has impacted both my emotional and financial life. 

I am asking for the CFPB 's assistance in ensuring that Equifax complies with federal law, compensates me fairly for the harm caused, and adopts better practices in handling consumer disputes moving forward. I would greatly appreciate any help CFPB can provide in expediting this matter.
Product: Debt collection

I requested documents for verification from Convergent Outsourcing ( a third party debt collector ) to validify an alleged debt. I received documents from Convergent Outsourcing and the very first document stated that I did owe the debt. According 15 USC 1692b ( 2 ), that is a violation of the FCRA. I also notice on one of the documents that I later received that the alleged debt is associated with an address that I have never lived at. I have currently sent a dispute to the third part debt collection agency via certified mail and I'm currently waiting on a response. The documents ( Affidavit of Truth and invoice ) were received by the company on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My social security number is XXXX. I recently learned that my personal information was used to open an credit karma account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that credit karma me of all charges on the account, and that credit karma take all appropriate steps to remove information about this account from my credit files.
Product: Debt collection

I have contacted Sarma Collections in Texas. Per XXXX XXXX my name nor XXXX can not be found in their files. I have never traveled to Texas which is where the XXXX center is located. I have spoken to several Employees at Sarma and the XXXX XXXX to correct this matter. I am not responsible for this debt and would like to have the matter resolved as it is affecting my credit.
Product: Debt collection

Statue of limitation has run out, debt occurred in year of 2009. The debt was sold several times to different Debt Collection Services which keeps the debt open!
Product: Mortgage

My sister passed in XXXX and when i went through her documents, she showed that she took out a home equity line of credit mortgage. When I called Specialized Loan Servicing LLC to get more information, they would not speak with me. I went to court and became administrator of the estate. I was told that the mortgage is tied to our property and it would have to be paid. I started making payments but I am on a fixed income as a senior. I asked for assistance in getting a modification and I was granted a trial payment plan for {$640.00} starting on XX/XX/XXXX to XX/XX/XXXX. I was told to continue making payments until I received the final mod. I continued to pay that trial payment amount and never received the final. I met with a Housing Counseling Agency and the Specialist called SLS and spoke to a rep and was told that this home equity line of credit is an adjustable rate mortgage loan and that the last payment they received was on XX/XX/XXXX for {$640.00}. However, the payment changed in XXXX, XXXX to {$700.00} and in XXXX, XXXX to {$710.00} and in XXXX, XXXX to {$700.00} and in XXXX, XXXX to {$690.00}. I was never aware of that until I got a notice that I am behind in the mortgage. Additionally, the monthly payment that I was making was disengaged in XXXX, XXXX. THEN I WAS TOLD THAT SLS DOES NOT MODIFY LINE OF CREDIT LOANS. I have attached a copy of the letter that approved me for the trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In 2017 I opened an account from XXXX XXXX XXXX I would like to have that information removed from my report. 

there is simply not law requiring the information to stay on my report for 10 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accountXXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$18000.00} ), XXXX CARD ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$670.00} ), XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  COM XXXX TX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX ), XXXX  FIN ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX LL ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX XXXXis in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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

XXXX XXXX bank is to remove their information from my report as I've disputed it several times in regards to it being paid in full and it being over 7 years old. They haven't removed it and has also sold it to a collection agency whom is reporting negatively as well to retrieve what I don't owe neither am I responsible for after the 7 years. I would like these accounts removed please. It's been past 7 years and it's affecting me drastically as I am trying to rebuild. Please help resolve these urgent matters on my behalf. Thank you.
Product: Debt collection

I received a letter from XXXX XXXX XX/XX/XXXX stating that owed an original creditor an amount. The letter stated that I needed to contact the firm. That the amount stated is delinquent & owed. That there have been no indications that I have made any payment arrangements to resolve the matter. The letter stated I had 30 days to dispute the validity of the debt. On XX/XX/XXXX reiterating the same rhetoric and language. I responded to the letter with my own letter on XX/XX/XXXX in which I disputed the validity of the debt. I requested that they provide me with validation of the debt as well as other remedies required of them by law. On XX/XX/XXXX they responded with no validations and further threatened to sue or litigate matter if I did not provide full payment within ( 10 ) days, together with any court costs, attorneys fees, and other fees which may be incurred. They requested that I call them immediately to theyre office or face legal actions after I requested in writing to communicate only thru writing.This law firm is unprofessional in its conduct concerning this collection matter. I have consulted an attorney and was advised to file this complaint to aide in our defense should litigation occur. I will be responding to theyre most recent letter of XX/XX/XXXX. I will include the all the correspondence between us for your preview. Thank you
Product: Bank account or service

I was charged by my bank HSBC a monthly amount of {$20.00} from XXXX 2015 to XXXX 2015 without knowledge or authorization. When contacted the bank they refunded me {$40.00} out of a total of {$140.00}. No explanation were given to me.
Product: Credit card

My credit score was effected In many ways I had a few breaches especially with Equifax Ive tried over and over send information in sending all paperwork in to get fixed also I even denied credit cards and was also denied a apartment so Im XXXX because what took place with my credit profile
Product: Debt collection

I am just trying to limit the amount of calls receive from my phone number. I prefer written communication for settlement of debt.
Product: Credit reporting

XXXX XXXX 2016 -- XXXX YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. XXXX GAVE NO FREE REPORT ; must call or send info. Experian GAVE NO FREE REPORT ; must call or send info. and XXXX GAVE NO FREE REPORT. IN FACT CHARGES XXXX AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.
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. 

I told XXXX, and Equifax to reinvestigate & remove these accounts : XXXX Collections : XXXX XXXX XXXX XXXX : The Open Date : XXXX XXXX, XXXX, no account # provided XXXX Hard Inquiries : XXXX XXXX XXXX  : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX  : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX XXXX XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided Equifax Hard Inquiries : XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided Secondly, they stated everything will be removed in 4-5 business days and the fraudulent items are still on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

In addition to, I would like to apply the FCRA Consumer Laws : 605B 15 U.S.C 1681 1c-2, 15 U.S.C 1602p, 15 U.S.C 1692c, 15 U.S.C 1681s-2, 15 U.S.C 1681i ( 5 ), 15 U.S.C 1681s-2 ( A ) ,15 U.S.C 1681.

In Conclusion, I would like to apply FCRA Consumer Law15 U.S.C 1681n ; IF applicable to my current situation because it has been longer than 30 days that they advised me on.
Product: Mortgage

I opened my loan in XX/XX/2022. I have made repeated attempts to access my online mortgage profile and I'm told that there is no solution to access my account. I can't see my payments being posted, the balance of the loan, or the tax information. I have been told they have a system issue with no timeline for resolution. This has continued for 6 months and there is no explanation, no update, and I'm still unable to access my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report concerning a late payment. Under the Fair Credit Billing Act ( 15 USC 1666b ), I have the right to challenge inaccuracies that may impact my creditworthiness. 

The report indicates that I had a late payment in XX/XX/year>, which is incorrect. I have consistently made timely payments, and I believe this entry may be a clerical error or a misunderstanding. 

I kindly request that you investigate this matter promptly and correct the information on my credit report. This inaccurate reporting is hindering my ability to secure a home loan, so I appreciate your urgent attention to this issue. 

Please confirm receipt of this letter and keep me updated on the progress of your investigation. Thank you for your attention to this important matter ; I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of shopping for a refinance company, and began working with XXXXXXXX XXXX XXXX XXXX XXXX XXXX ID XXXX ). As part of the process I provided my social security as my credit would be pulled. I authorized a single credit inquiry on and for the date XX/XX/2021. XXXX days later on XX/XX/XXXX, a XXXX  hard inquiry was completed using my information without my authorization, by XXXX. I immediately contacted XXXX XXXX and highlighted the issue and my disapproval. XXXX XXXX assured me the inquiry was an error on their end and that the issue would be rectified. For XXXX months weve gone back and forth and the matter remains unresolved. XXXX XXXX lied to me that a deletion was requested, this was in XXXX. Ive contacted the company and reached out to XXXX again by email and yet nothing has been done. XXXX XXXX has also refused to further reply to my emails despite being the person that caused the issue. I have several emails which corroborates the aforementioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX XXXX  I defaulted on the loan because of loss of work. This was in XXXX Was my last payment They are reporting that I missed payments in XXXX further damaging my credit This is impossible since my last payment was in XXXX I have disputed this with the credit bureau 's and they keep on coming back saying that the information is correct I have also contacted the company with no Avail I would like them to Deleted off my credit For reporting miss information
Product: Checking or savings account

Over the last three months Ive been going back-and-forth with Chase banking. They allowed my account to be overdrafted by a company. When I disputed the amount they stated that I paid for it when I really didnt to the point where they kept adding additional fees to the point where they close my bank account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Product: Mortgage

On XX/XX/2023, I received an email from Citizen 's bank stating that they were offering {$10000.00} to qualified first time homebuyers with a minimum score of XXXX. At the time my score was a XXXX. I called Citizens and they took my preapproval application over the phone. They sent emails requesting verification information and shortly thereafter I received an approved preapproval ltr stating I could shop for a home. I found a home, signed a purchase agreement in XXXX. I notified my loan XXXX that I found home and signed agreement. XXXX XXXX told me to hire an inspector. I had inspection done and XXXX then informed me I had to pay for an XXXX and sent instructions on who to pay a {$650.00} fee. I then started receiving all these requests for additional information and proof of paid debts for the underwriter. The lender ran my XXXX XXXX XXXX significantly reducing my XXXX XXXX. I provided proof of downpayment funds, paid off debts as required by lender, and provided documentation over and over for the same debts. XXXX never mentioned downpayment assistance throughout this process and at the last minute they are sending conflicting disclosures and requesting the same information they requested previously as a condition of the loan commitment. As a result of the way this process was handled, I exhausted my savings paying off debts that were not delinquent and lender was still asking for an exorbitant amount of money to close. I tried on multiple occasions to reach XXXX as well as my realtor only to have my calls ignored. My realtor also tried contacting the bank to speak with XXXX 's supervisor and no one ever got back to me about his lack of communication. At this point, I am in danger of losing this home because the seller has run out of patience and I still need to transfer this transaction to another lending institution.