23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Bank drafts setup for a new vehicle. We moved once and changed banks once during the 5-year loan. The ACH form was updated 3 times. Our address has been corrected on at least 5 separate occasions with this bank ( TD Auto Finance ), and we had more than one account. It was noted on several different occasions that our address wasn't updating for this account, but that it would be resolved. Our phone numbers remained the same for the 5 year period as did our email address. Bank drafts went through each month on time. We do not pay bills late. TD Auto Finance never had an issue with our payments, and never once made any attempt to contact me over phone, mail, or digitally. Then : In XX/XX/XXXX, more than 60 days after the title should have been mailed out : I received a collection call about this loan. TD Auto Finance states that there is small print somewhere stating that they don't draft the last payment ( originally {$570.00}, now {$600.00} ). I have now spoken to TD Auto 5 times since XX/XX/XXXX with 4 of the calls ending in " we're sorry. this was our fault. we will fix it and call you back on this specific day ''. Never once was my call returned. 4 days later, my perfect credit score dropped by 80 points. I am furious. I have recorded all communications and phone calls with TD Auto Finance ( I reside in NC ).
Product: Debt collection

XXXX XXXX XXXX  I only owe to two companies for vehicles, and ASG is neither one of them. Here is the voice message they left me : Hi this is XXXX with ASG this is not the first time we tried to call in and out certainly won't be the last until we can get something figured out here I am did want to make you aware that the extra 10 % savings applied to your pay off online is temporary so I urge you to lock in the settlement on your account now even if you don't have the funds to settle it you can set up a partial payment plan or you can schedule your settlement for a later date when you are able to pay it as of now those 1099C tax form has been issued on this account so please take care of it before further action is required we do also report to the credit bureau as an all applicable account so again I urge you to take this seriously and take advantage of this offer our website address is www.asgrecovers.com that is asgrecovers.com I'm legally required to inform you this is in attempt to collect a debt thank you
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX there was a fraudulent American Express account opened without authorization. The identity thief had access to my personal information, mail and banking information. They opened up several accounts in my name while I was working and traveling abroad. Unbeknownst to me these accounts were open and active for well over a year.

When I contacted American Express to let them know these accounts were not authorized by me and that I was a victim of identity theft that scoffed at the notion and refused to remove the accounts. I have spoken with their fraud department on several occasions including in XXXX XXXX XXXX. Yet despite police reports on my credit profile and a police report I sent directly to American Express they refuse to delete the account.

Currently because of the fraudulent account I can not conduct business nor obtain a new home because the account is severely damaging my credit standing. I ask that the account be deleted and my credit corrected expeditiously.
Product: Debt collection

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it XXXX was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section XXXX. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with transunion.
Product: Mortgage

In XXXX I spoke to the forbearance department of Huntington bank about struggling to pay my mortgage at that time so they allowed me XXXX, XXXX and XXXX forbearance of my mortgage and it would be added on end. So I checked with them in XXXX and said I will start paying in XX/XX/2021 again and they said they would be sending papers for me to sign and I never received them. In the mean time I saw an XXXX report saying I was in foreclosure. Today I received a message to call Huntington about my mortgage account so I did and the lady said I owed 3 months of mortgage and when am I going to pay it? I told her I had 3 months forbearance and she said I see that now let me get you to them and the guy gets on and says how can I help you and I told him the lady sent me to you dont you guys communicate? He said that there will be papers sent to me and I told him you told me that months ago. I am submitting this complaint because number one they put it on my credit report and two they have been very unprofessional in the handling of the whole forbearance. I am sure I could of gotten a few more months of forbearance but they explained nothing to me. I know its been hard times for all but it seems like the honest people get the shaft. Plus by that credit report dropped my score down and I would not of known had I had not been working on my credit restoration. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for an Experian account to attempt to unfreeze my previously frozen credit with them. I signed up on XX/XX/2021. 

I never signed up to receive email communication from Experian. I received a marketing email from them on XX/XX/2021. There was no " unsubscribe '' link in the email, because the email claimed it was " important information about my account. '' It was not important information -- they were just marketing more services to me. I replied and asked to be unsubscribed. An automated reply said I was unsubscribed from further emails. 

I've now received two more marketing emails from them, and neither had unsubscribe links. They all claim to be " important information '' but they are just marketing additional services to me. These were received on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 reporting, credit repair services, or other personal consumer reports

Experian has denied my dispute, despite the fact that I have contacted them and the bank numerous times with the correct information. 

My XXXX XXXX XXXX XXXX with XXXX XXXX XXXX, was paid off on XX/XX/2019 and the account was CLOSED. I have a letter stating such. They let me know last week that on XX/XX/2019 they would report the correct information to all of the Credit Bureaus. That is YET to happen. 

I applied for a Mortgage this week. This being incorrectly reported on my Credit Report   has had a negative affect on what percentage rate I will have for a 30 year Mortgage.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Experian to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX company formerly XXXX XXXX. This information was given to Experian and XXXX via an upload of document mailed to me by the creditor and a case for dispute opened. 
Experian reported the case as resolved stating this will remain on my credit file.
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 CFPB 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.

I want the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to TransUnion for a collection account that is being reported by XXXXXXXX XXXX XXXX ( XXXX ). The dispute was sent via certified mail on XX/XX/XXXX. To date, TransUnion has not addressed the dispute. I recently sent the attached letter advising that they have exceeded the 30 days allowed. I received the attached letter stating that they were unable to determine the nature or my request or the request was illegible. I am requesting an immediate removal of the account reported by XXXX XXXX XXXX as TransUnion has failed to comply with my original request. I have attached a copy of the certified mail receipt, a print of my report showing XXXX listed, the 2nd letter mailed after 30 days, the letter received by TransUnion and a screen print from TransUnions website which shows that the dispute was received. If TransUnion was unable to determine the nature of my original request or if it was illegible, the letter that was sent on XX/XX/XXXX should have been sent within the 30 days.
Product: Debt collection

This account appeared on my XXXX Report suddenly. I 've never received any documents from this company nor have knowledge of what this account is or if this account is mine. I have no knowledge of this account or this company.
Product: Student loan

Received payment statement on XX/XX/22. Mailed payoff payment with payment stub and envelope provided by ECSI Heartland on XX/XX/22. Noticed payment has yet to be processed on XX/XX/22. Chatted with online representative on XX/XX/22 and was notified lender changed mailing address after payment was submitted. Student loan lender did not notify of mailing address change. Believe this to be an unfair business practice as a borrower as I have been compliant in repayment process.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report 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 remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Officer, I am contacting you for the second time regarding inaccurate information in my credit report provided by Experian. Specifically, I am referring to XXXX  XXXX XXXX account XXXX, which reflects late payments forXX/XX/2023 andXX/XX/2024, which I believe are incorrect. 

I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that Experian is violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specific Violations of the FCRA : 1. Section XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between Experian and XXXX clearly demonstrates a violation of this provision. 
2. Section XXXX ( a ) [ XXXX U.S.C. XXXX ] : After I previously submitted a dispute regarding this account, Experian marked the account as verified without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section. 
3. Section XXXX ( a ) ( 1 ) [ XXXX XXXX. XXXX ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by Experian. 

I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. 

I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.
Product: Credit reporting or other personal consumer reports

I have attempted to have Experian, XXXX, XXXX and XXXX to verify accounts listed on my credit report but intead they sent me a computer letter stating they believe is not me disputing accuracy of those accounts. I demand them to verify and proof how they verify accounts on my credit reportbut they have failed or have ignored my request.
Product: Mortgage

Settlement with Wells Fargo on X/XX/16 - we were required to provide funds to complete the required XXXX repairs and cost to purchase the above property. Wells Fargo applied the unused fund to pay down the loan. We believe that ( {$1000.00} unused ) money should be refunded to us since it was not part of the loan amount. We contacted Wells Fargo numerous times in writing and through many phone conversations. When we were not able to resolve the dispute with Wells Fargo, we contacted U.S. Department of Housing and Urban Development in writing who in turn directed us to contact your department. Hopefully, someone there will be able to help us resolve this dispute.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand immediate action regarding a serious issue involving my credit file. My personal information was compromised in a data breach, resulting in identity theft and fraudulent activity reflected in my credit report. Despite previous attempts to address this issue with you, it has not been resolved. 
Additionally, I am a survivor of XXXX XXXX  as defined under 15 U.S.C. 1681c-2 ( a ) ( 2 ), which provides special protections for survivors under the Fair Credit Reporting Act ( FCRA ). This mandates the removal of fraudulent information and accounts linked to such circumstances. 
Under the provisions of the FCRA, I am legally entitled to have all fraudulent accounts and inquiries permanently blocked and deleted from my credit file. I have outlined the fraudulent accounts and inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To assist with your investigation, I have included the following documents : A copy of my government-issued identification. 
A copy of my Social Security card. 
A utility bill as proof of address. 
A copy of my FTC Identity Theft Report. 
Let me be clear : I expect these fraudulent accounts and inquiries to be permanently removed from my credit report without further delay. I do not consent to my personal information being disseminated or processed through secondary bureaus or other third-party agencies. Your sole focus should be on blocking and removing these items from my credit file as mandated by law. 
Failure to comply will leave me no choice but to pursue legal action. I am prepared to seek statutory damages of {$1000.00} per item if this matter is not resolved promptly and in accordance with federal law. 
I also demand written confirmation once this process has been completed. Should you require any additional information, contact me immediately at the phone number or email address provided. 
This is your final opportunity to address this matter appropriately. I expect full compliance within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019, at XXXX XXXX  I was contacted at my place of work by a representative of American Express debt collection named XXXX XXXX. I was previously contacted by another representative of American Express in the months of XXXX, XXXX and XX/XX/2019 repeatedly during work hours of XXXX. I have asked them to stop calling me at work, and they threaten to continue. My place of work prohibits any personal phone calls of any nature, and I have never provided my work phone number, employers name or address, at any time, to American Express or any of its representatives strictly because my employment would be in jeopardy to receive personal phone calls, even if they are bill collectors. I alternatively provided my home and cell numbers to American Express, yet they repeatedly call me at my employer 's offices threatening me. I have been warned that I will lose my job if the phone calls persist. American Express continues to ignore my request for them to stop calling my employer 's phone number. XXXX XXXX said he would continue to call me at work until the debt is paid, and that is abusive and harassment. Please contact American Express and ask them to stop harassing me. I would like for American Express to stop all phone calls and put their debt collection requests in writing. They are calling me 3-5 times per day, Monday through Saturday ; this is harassment.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXXXXXX Balance : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - XXXX XXXX ( closed accounts ) account was paid in full. I've disputed this sevral times. 

XXXX XXXX XXXXXXXX XXXX Not my account, no response from the bank. 

XX/XX/2022 - XXXX XXXX XXXX0} disputed and response was not giving within 30 days. This isn't my account XX/XX/2022 - XXXX XXXX XXXX XXXX XXXX  Remove, this isn't accurate. I never filed bankruptcy