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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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: Debt collection

Seventh Ave # XXXX {$390.00} this account doesn't belong to me I was a victim of identity theft, I have attached my FTC , and police report please remove this account from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Maam We were reviewing Experian Credit report and filed a dispute regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$19000.00}. Inaccurate. 
Our Line of credit balance is {$1500.00}. with credit limit if {$3000.00}. 
Concern this adversely affecting our credit score, which needs be accurately reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 

XXXX XX/XX/2022 {$6100.00} DEPTEDXXXX  XX/XX/2022 {$4000.00} DEPTEDXXXX  XX/XX/2022 {$3200.00} DEPTEDXXXX  XX/XX/2022 {$6400.00} XXXX XXXX  XX/XX/2022 {$350.00} XXXX XXXX XX/XX/2022 {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included CREDIT KARMA, INC information in my credit profile on XX/XX/2021, XXXX, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you,
Product: Credit reporting

They are refusing to follow the law. This is willful noncompliance. The FCRA clearly states the information in the credit bureaus files is the information that they store in there computer base on every consumer. The 610 ( a ) ( 1 ) [ 1681h ] identifies the proper identification required ( drivers license and SS card ) + a written request by the consumer. Basically it says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. There are XXXX instances revealed in subsection ( XXXX ), ( XXXX ), whererby " accurate '' information can be removed. 1. ) if the information is outdated in Section 605. 2. ) The information can not be verified. " Verification '' is the focal point. I have attached the FCRA sections that state what I am stating as proof. I have also attached a letter from one of the hard inquiry companies that shows they requested to remove this hard inquiry by all XXXX bureaus yet Experian still reports this inquiry. If this is not corrected I will take this to civil court. In the FCRA it also addresses the legal penalties to willful noncompliance.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
Old auto loans Old credit cards Old personal loans Multiple inquiries
Product: Credit reporting or other personal consumer reports

I am writing to urgently follow up on the ongoing dispute concerning negative items on my credit report. I am deeply disappointed by the level of incompetence displayed by your department and the inadequate service provided in ensuring fair and accurate reporting for consumers like myself. Despite my repeated efforts to address these issues, there has been a significant delay and lack of satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I do not agree with the item below, which continues to appear on my credit report even after your investigation. I would like this item to be reinvestigated immediately. This incorrect information is very detrimental to my credit score. 

XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Debt collection

This law firm with the name XXXX XXXX XXXX XXXX are trying to garnish my wages for a collection debt that was apparently made while I was a minor and unaware fix they will not share the details of when and where this debt was created. I've also spoken with the company that XXXX XXXX XXXX XXXX is saying trying to collect the debt but XXXX XXXX XXXX say they don't even have a record of me having an account and they're not sure that I even had one to begin with. The account was said to be created in 2001 which us when I was still attending high school, and they say the amount is for {$3400.00} but will not share any other information with me.
Product: Checking or savings account

A recurring payment set up through online banking, with my primary bank, fails to be processed resulting in me receiving a notice from another financial institution that a payment was not received. 

This is the second such occurrence in less than a year.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate reporting of the " Date Last Active '' on XXXX of my accounts. There is a discrepancy between the information reported by XXXX and Equifax on my credit reports, which violates the Fair Credit Reporting Act ( FCRA ) under Section 609 and Section 611, which guarantee accurate and consistent reporting. 

The specific error is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inconsistency indicates either a data furnishing error by the creditor or a failure by the credit reporting agencies to ensure data integrity. As this error is materially misleading, it directly impacts my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a capital One credit card around XX/XX/XXXX and used my card until XX/XX/XXXX when I reported it stolen and fraudulent charges. Capital One agreed to close my card and they did. However they continue to report late payments to the credit bureaus even after I filed and sent them and the credit bureaus a police report. To this date the account was closed in XX/XX/XXXX, however every month since XX/XX/XXXX Capital One has reported late payments but have told me Im not liable. Every month the balance increases by nearly {$200.00}. I would like Capital One to report that the balance has been paid in full as they stated previously. XXXX XXXX XXXX Social is XXXX I do not have the card number so I listed my social security number
Product: Credit card or prepaid card

Signed up for an XXXX XXXX credit card with Barclays Bank on XX/XX/2022 with an offer for XXXX AA miles & a {$95.00} statement credit after spending $ XXXX dollars within 90 days. I spent the money, paid the {$95.00} annual fee & got the XXXX AA miles for doing so but have not received the {$95.00} statement credit. This has all been confirmed with the bank several times. Representatives agree that I have met my requirements but they also can not seem to get the credit to happen. 
On XX/XX/2022 I contacted support and they opened a case to resolve this. Today XX/XX/2022 I called again and went through the issues again and the rep confirmed the case existed but there was no update. The rep, nor her supervisor, were also unable to resolve the issue after XXXX minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I requested documents from MARINR FINCand I have not received a response for the request. The letter is as follows and will be attached. I am requesting information for Account Number XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment. It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. Respectfully, ( My name ) Not only this, but I need this data to formulate a dispute because it isn't reporting accurately or completely to any of the credit bureaus and I do not know who is misreporting the information.
Product: Checking or savings account

XX/XX/ Venmo froze my account for security verification. I sent in my identification and now it has been XXXX days and I still can not access my funds.
Product: Debt collection

I do not have a signed contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX    XXXX  . I am not responsible for this debt with Portfolio Recovery.
Product: Credit reporting or other personal consumer reports

I pull my report and seen some fraudulent hard inquires on them and I need them removed imminently
Product: Debt collection

HIPAA violation ... .. 
Commonwealth Financial Systems Inc Acct # XXXX Commonwealth Financial Systems ... .did not provide me a HIPAA release that releases my medical information to them ... .i am proceeding with legal action should this item not be deleted from my credit report within the required time allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX WASHINGTON, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting or other personal consumer reports

I

am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. The accounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am filing a complaint because I have a FHA loan through the remediation program with Well-Fargo. As you know the recent disaster Hurricane IDA who tour through the XXXX region. My home is located in XXXX XXXX XXXX XXXX XXXX was was severely damage by Hurricane IDA. To make a long story short. My home suffer so much damage that my insurance company maxed out my Dwelling cost. Because mortgages are also endorsed on the insurance checks if there is a long it puts the homeowners at a disadvantage due to the process of endorsement. I feel like Wellsfargo is practicing discrimination by holding funds necessary to complete my home. I believe that they are purposely doing this for this area to make the house go into foreclosure and keep the remaining funds that is need to complete my home. I have submitted receipts and contractors estimates and I am still giving the run around. I am asking FHA to look into Wellsfargo practices with homeowners who have FHA loans and still is required to make monthly payment on a home that is not livable due to Wellsfargo not releasing the remaining of the funds.

I feel like Wellsfargo is practicing discrimination by holding funds necessary to complete my home. I believe that they are purposely doing this for this area to make the house go into foreclosure and keep the remaining funds that is need to complete my home. I have submitted receipts and contractors estimates and I am still giving the run around. I am asking FHA to look into Wellsfargo practices with homeowners who have FHA loans and still is required to make monthly payment on a home that is not livable due to Wellsfargo not releasing the remaining of the funds. I feel like I am being harassed everyday when calling to plead with them to release the funds so I can finished a FHA backed loan which I am required to make monthly payments even though I have no home to stay in.
Product: Mortgage

My mortgage loan is currently serviced by Shellpoint Mortgage Servicing. Per the attached documentation issued by Shellpoint, the terms of the mortgage loan are as follows : 1. Original loan   amount of {$59000.00}.    2.  180 month term that matures on  XXXX .    3.  No balloon payment due upon maturity.    4. I nterest rate of 7.9 % and P & I payments of {$560.00} per month.     Shellpoint is currently claiming that the principal balance due is {$12000.00} and the total balance due is {$20000.00}. These amounts conveyed by Shellpoint do not add up and I have contested them on numerous occasions. Shellpoint has refused to prove up the validity of the debt and the accounting to back it up.they have simply told me it is what it is. Based on my current amortization calculations, the current balance due should be {$6300.00}. Shellpoint is clearly trying to over collect on the balance due, which is a violation of FDCPA and RESPA law. I feel cheated and deceived by Shellpoint and I am seeking your assistance on this matter. You can reach me direct at  XXXX  or  XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX NAME : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX EMPLOYER XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXXXX/XX/XXXX ADDRESS : XXXX PALOMA XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collections : XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX FO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a message on my voice mail this morning. This is the transcript : " Hi this message is intended for____in regards to___ My name is XXXX XXXX I'm with new era asses management. This is not a sales call. Please return the call at your earliest convenience. Mr.____ for whatever reason I have your number on file here as a contact number for____ I have a matter of hers that was forwarded to my office that requires an immediate response. I can be reached directly at ( XXXX ) XXXX Calling back please refer to file number XXXX I will be in the office today until XXXX eastern time. '' The person called myself and my husband and are trying to collect from my mother in law. According to her she does not owe anything to any credit agency.
Product: Vehicle loan or lease

I am writing to express my deep concern and frustration regarding the recent communications with Lincoln Automotive Financial. Last week, I received an alert from XXXX XXXX, indicating that my cars lease account had been closed. 

In XX/XX/XXXX, I had notified Lincoln Automotive Financial, that I was having financial difficulties and could not be as diligent with payments as in the past. They allowed me to defer several monthly payments and I felt we had come to an understanding.

My last payment of {$3000.00} was made to my lease account, on Lincoln Automotive Financials website, on XX/XX/XXXX. The {$3000.00} brought my account up-to-date, with no outstanding payments or arrears.As conformation, I received an email days later confirming my payment. On XX/XX/XXXX, while attempting to make the next months payment I was surprised to find myself locked out of my account. Upon calling directly, I was shocked to find my account had been closed, that my vehicle had been charged (? ), and was in repossession since XX/XX/XXXX. 

As a single XXXX  of XXXX young girls, the thought of compromising my familys safety or stranding them, due to the constant threat of repossession, is terrifying and has caused me significant distress and XXXX. 

I have not and have never received any communications from Lincoln Automotive Financial regarding this matter. I am now in constant fear of the immediate well-being of my children and repossession of my vehicle, which could happen to me at any given moment, as stated by XXXX ( XXXX XXXX XXXX ) at Lincoln Financial Services . My understanding is that all telephone communications to Lincoln Automotive Financial are recorded. Verification should be easy to confirm. 

I would like assistance in halting any actions related to repossession as soon as possible, until this matter can be resolved. Also, a clear detailed accounting to clarify the status of my lease would be greatly appreciated. 

I also trust that you will conduct a thorough investigation to rectify any errors that might have occurred.I am now in the financial position to pay off the entire amount ( {$26000.00} ) of the vehicle, if necessary, but am reluctant to take any action, while the threat of imminent repossession still looms. I value my long running relationship with this company and hope this matter can be resolved amicably. 

I am anxious and open to discussing these issues to reach a resolution promptly. Most importantly, I request a record of past communications, to ensure a clear and documented record of our exchanges. Lincoln Automotive Financial has claimed that they had reached out to me via mail, email, and phone, but Lincoln Automotive Financial but could not substantiate these communications. 

Because of the danger implied and the threat to the health and well being of my family I would very much appreciate your attention to this matter. 

I look forward to a response.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report this morning, I was dismayed to see an unauthorized inquiry that I never approved. I dont understand why this happened, and I even tried refreshing my browser, hoping it would disappear, but it didnt. This is completely unacceptable, and I insist that my documents be carefully examined immediately so I can stop stressing over this.