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

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$XXXX} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate information on my credit file, and I submitted a disputes in XX/XX/2023 and XX/XX/2023 to all three-credit reporting agency, I never received a response back regarding my investigation.
Product: Money transfer, virtual currency, or money service

I am another victim of the theft of crypto assets from an IRA account maintained on Geminis XXXX exchange. On XX/XX/XXXX a bad actor was allowed to steal from my retirement account the amount of XXXX ( ~ {$42000.00} at the time event ). 
A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.
Product: Vehicle loan or lease

I opened my auto loan with XXXX / Bridgecrest on XX/XX/XXXX. My monthly payment is {$370.00}. I have never been 30 days past due on my auto loan. My last payment was {$760.00} on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and informed representative that my employer had not payed my direct deposit. I asked BridgeCrest to defer my payments for XX/XX/XXXX & XX/XX/XXXX. Furthermore, I asked representative if I had ever been 40 days past due on my auto loan and she said no, I asked her based her her experiences what are the chances of my payments getting deferred and she said she does not see it being a problem. Informed representative my employer would have to research where the deposits is. Representative processed my request for the deferred payments that were due on XX/XX/XXXX and XX/XX/XXXX and said I would receive email with decision. Received email today and I was denied. The XXXX XXXX requires creditors to work with consumers that has harship paying on loan. I did the right thing and called Bridgecrest to have loan payments deferred and I was denied. It is bad enough I have to deal with high prices for food and essential items. This is sad.
Product: Debt collection

I have received a letter from Transworld Systems Inc. from XXXX Ohio in regard with an account with XXXX XXXX XXXX XXXX. 
I called the number on the bill XXXX. The call was answered on a line with bad reception. The person did not identified himself. When I asked, he gave me his first name and after several attempts his last name : XXXX XXXX. I explained to him that I intend to make a statement in regard with the collection, then I asked for his license number or any other information that will help me identify the person taking my statement. 
Mr XXXX XXXX did not have a debt collection license which is required by the state of North Carolina where I reside. He refused to transfer me to a licensed representative and rudely hang up on me. 
I am asking for protection from Transworld Systems as their collection practices seem to be unlawful.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Action Required : Fraudulent Charges on XXXX  XXXX XXXX Account Due to Identity Theft I am writing to address a serious concern regarding fraudulent activities on my XXXX  XXXX XXXX account ending in XXXX. My identity was compromised, making me vulnerable to fraudulent charges that total an alarming {$18000.00} on the said account. 

The inclusion of this unauthorized account on my credit report has wreaked havoc on my credit score, causing undue stress and financial strain. While I am the victim of identity theft and fraud, I find myself facing the severe repercussions of these illicit actions. 

Despite my persistent efforts to rectify this situation, and successfully having other fraudulent accounts removed, this particular account remains a blemish on my credit report. This ongoing oversight continues to erode my creditworthiness, unfairly penalizing me for actions I did not commit. 

I implore you to conduct an expedited review of this matter and ensure the removal of this fraudulent account from my financial records. It is crucial that my credit report is an accurate reflection of my true financial behavior. 

Thank you for your immediate attention to this pressing issue. I trust in your commitment to fairness and anticipate a swift resolution. 

Warm regards, XXXX XXXX
Product: Debt collection

I keep getting my account flagged for the following National Credit Adjust Balance date XX/XX/XXXX Balance {$370.00} I have tried to reach the company many times they do not answer the agents hang up they will not look into my account. This is not my debt I have not opened any accounts or have been late paying anything for a long time.

They refuse to take this off and they do not want to provide me with any information to prove that it is mine.
Product: Mortgage

WRONGFUL FORECLOSURE # XXXX they changed the number from # XXXX ( Which I believe was changed for non tracking purposes ) WELLS FARGO HAS BEEN UNDER SCRUNITY FOR SOME TIME NOW AND IT APPEARS THAT NO ONE IS LISTENING TO THE CONSUMERS. 

WELLS FARGO 'S LASTEST ADMITTANCE TO A GLITCH IN THE SOFTWARE ON THEIR COMPUTERS IS THE REASON THOUSANDS INCLUDING MY FAMILY HAVE LOST THEIR HOMES. 

I HAD OVER {$200000.00} WORTH OF EQUITY AND OWED $ XXXX LEFT ON PAYING A LOAN FOR APPROXIMATELY 20 YEARS. 

I SENT IN COMPLAINTS ABOUT THE PROCESS MULTIPLE TIMES AND NOW THEY ADMIT TO WHAT IM SURE THOUSANDS OR MILLIONS HAVE COMPLAINED ABOUT I WANT MY HOUSE BACK OR COMPENSATED FOR THE EQUITY LOST BY THIS MORTGAGE DEBACLE.

Below is another complaint attached.

Subject : Wrongful Foreclosure ( Loan apart of the ones with the Glitch ) that didnt get modified and eligible This is a request to review the process of how Wells Fargo Home Loans has intentionally request the same documents and placed the account on some type of restriction allowing the representatives working start the process over and over again at or

about 60-90 days.
My Loan was a block Urban Renewal program which should have had some type of protection attached. The town we purchased in was considered an urban renewal block not section but they designated a few blocks in the town to promote home ownership to rebuild the area. Which is now very much built up.

Our house had over {$200000.00} work of equity and the loan should have been modified per the Governments ruling in 2008 but was in the bulk of loans just reported that there was a Glitch in the system and none of the eligible loans were modified but steam-rolled straight to foreclosure.

Please respond with opening up a thorough investigation into our unfortunate situation. 

Thanking you in advance for you immediate attention to this XXXX XXXX. 


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

Regardless of multiple written request, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XXXX, 2022, but no answered were ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$15000.00}. 
XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

Equifax uses non-US phone rooms to gather data on people and is unable to tell me how I am to file criminal charges against one of their employees stealing my data when that employee is in XXXX or XXXX.
Product: Checking or savings account

Card was locked Account was closed While we were a XXXX miles from home on vacation
Product: Mortgage

I have DiTech as a mortgage company. I sent an XX/XX/XXXX payment that they are not posting to my account. In the meantime they are sending me Default letters and ruining my credit. I have called Ditech, and they admit they know I have sent the payment, and they are working to correct the problem. They call harassing me for payment and then say oh we will work on getting it corrected but never do. I have faxed proof of payment and followed all their instructions, but they have already destroyed my credit. We were just reaching grade A credit after a long struggle with bankruptcy. We had planned to refinance away from DiTech, now we are stuck with their rude, insensitive, and awful customer service for years to come.
Product: Mortgage

I have bill pay set up to pay my mortgage monthly to Guaranteed Rate. I have made XXXX payments, and both have been posted and mailed from my account according to my bank XXXX. Guaranteed Rate claims to have not received the XXXX payment, while XXXX has verified that the payment has been sent. Guaranteed rate now has listed my account as delinquent, and charged me a fee of XXXX {$.00}
Product: Debt collection

I have an outstanding medical debt of {$560.00} reporting on my credit report. I never received a bill or any type of correspondence in regard to this debt. The details state that it was opened on XX/XX/2018. This is not my debt. I called the original creditor which is XXXX XXXX XXXX XXXX on XX/XX/2018 to verify the debt, and there was nothing owed in my name. It is on my credit report that Nationwide Recovery SYS has taken over this debt. I contacted Nationwide Recovery SYS on XX/XX/2018 to ask for debt verification and this company would NOT verify it via phone or US Mail. There was no proof provided to verify that I owe this debt, and I would like it removed from all three credit bureaus.
Product: Credit card

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$87.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX
Product: Checking or savings account

I am an XXXX old widow and have been making charitable contributions through XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA, for a XXXX church in the predominantly-XXXX  country of XXXX. With their end-of-year giving statement, the church indicated that checks had been periodically been stolen from the churchs mailbox throughout the year and that donors should check their records for any fraudulently-cashed checks. I did that and discovered that two of my checks had been cashed without any endorsement. XXXX  the Truist " Bank Services Agreement and Privacy Notice, '' I immediately reported the fraud to the local branch, making a fraud claim at a local branch. I also paid the fees to perform a stop payment on two outstanding checks. I was not given any documentation, but was told that I would hear from them within 30 days. After 45 days, I went back to the local branch. They said that, because of the transition from SunTrust to Truist, they had not done anything yet and they would elevate the claim. After not hearing anything from them for some time, I went to the local branch yet again. They called someone that said that the claim had been denied because it had been over 45 days. Throughout the entire process, I never received anything at all in writing from SunTrust/Truist. To the best of my knowledge, they have done nothing to help me. 

The two checks total {$2200.00} ( check no. XXXX for {$100.00} and check no. XXXX for {$2100.00} ). 

I have had a checking account at Truist Bank before they were SunTrust, since they were known as XXXX, and am very upset at the lack of respect and support they have shown me.
Product: Debt collection

I sent a letter to NCA regarding acct # XXXX {$550.00} this is not my account, I have no knowledge of this account. I sent a letter to them that arrived on XX/XX/2023 and have yet to receive a reply its well past a month and im asking for a removal of this account. I Provided an identity theft affidavit, the representative I spoke to by phone told me investigations can take 3 months I've never heard of that in my Life! Im not trying to get the representative in trouble im simply trying to fix my life, and I've been on quite the roller coaster with regards to my identity being compromised.Please remove this account from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts..
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX**** Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of XXXXXXXX XXXX XXXX XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each
periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle
Product: Credit reporting or other personal consumer reports

I have contacted Equifax multiple times, they have not helped resolve my issue. I have multiple Hard Inquiries on my report I do not recognize and that I did not authorize I don't even know the companies associated with them. My information was also sold and bought illegally because I was a victim of the Equifax data breach. I want all these items Deleted from my credit report effective immediately. I am attaching the proof that Equifax has admitted that they did use my information in this data breach, and Equifax has done nothing to help and caused me a lot of distress and in convenience. Please help me delete these fraudulent items from my report. I am listing all the accounts showing on my report that are illegal accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Honestly I think this a problem caused by both the credit reporting bureaus and XXXX XXXXXXXX  the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found XXXX XXXX   XXXX mistakenly reported my mortgage, which they serviced from XX/XX/XXXX to roughly XX/XX/XXXX as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reached out to XXXX XXXX XX/XX/XXXX with more than 15 pages of documentation..SEE XXXX LETTER DATED XX/XX/XXXX, attached here, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XXXX) I contacted credit reporting bureaus immediately - XXXX, Experian, XXXX. I was told that even though I had a letter from XXXX   that no correction or update on this could be made unless and until received DIRECTLY from XXXX XXXXl. I wen back to XXXX XXXX many many times, by phone, fax and email. I learned eventually XXXX  submits to the credit bureau. Eventually I was told XXXX  had submitted tot he credit reporting bureaus XX/XX/XXXX then changed toXX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from XXXX and XXXX keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to XXXX saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the XXXX letter directly to the credit bureaus. Then was told If they hear nothing from XXXX  in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Transunion should not be reporting a collection/chargeoff in the amount of XXXX on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss and I had GAP insurance at the time. The insurance paid off this remaining balance and this account needs to report a XXXX balance due and not be reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the GAP insurance letter for reference which shows the GAP BENEFIT amount of XXXX which clearly paid off any outstanding balance that was due. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX 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

My banking platform, Simple, was purchased by BBVA. A few months back BBVA made the decision to XXXX Simple and transition all accounts to BBVA after business hours on Friday, XX/XX/2021. The company sent emails to me and other Simple customers telling us our accounts were ready to use. However, trying to activate the account resulted in vague errors on the companys website. Calling the provided customer service number also resulted in vague automated error messages saying to call back later. BBVA later posted a tweet claiming the error was resolved, but this appears to be incorrect. They tweeted again saying customer service lines would be open today, Sunday, XX/XX/XXXX. However, calling those numbers result in automated recordings of people pretending they can not hear you. 

It has been 36 hours and I have no way of accessing my checking or savings accounts.