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

RE : Re-Aging Credit Account FTC Compliant ( FCRA ), 15 U.S.C. 1681 e t seq.   XXXX  I disputed the account below as a re-aged account and received a reply from the  XXXX  credit reporting agencies stating that the account had been verified and is accurate.   The account was removed from my credit report in   XX/XX/XXXX , Seven 7-years after the date of first date of first delinquency. The collection agency updated the account on  XX/XX/XXXX , showing, the collection agency re-aged the account after the original creditors date of first delinquency in  XX/XX/XXXX . The re-ag ed debt is past the statute of limitations.   Please delete this re-aged account immediately.
Product: Checking or savings account

On XXXX my card was used to take money out without my authorization in XXXX, FL and an amount of {$100.00} was taken from an ATM. I contacted Wells Fargo and they refunded me the $ XXXXThe bank turned my card off and issued me a new card. 

On XXXX my card was used to take money out without my authorization in XXXX, FL at the same ATM for {$100.00} again. I called the bank to report fraud again. Initially they refunded me the {$100.00}, but then reversed it. Wells Fargo turned my card off once again and issued me a new card. 

On XXXX my card was used again at the same place for the same amount. I called my bank once again, but they informed me that they will not do anything about it because they informed me that they completed their research and based on the information available to them, they believe it was made by someone with my permission. They closed my claim without refunding me the money that was stolen from my account. 

For every occasion, my card was in my physical possession. I told the bank this as well, but they did nothing with the information I provided and now I am out $ XXXX.I believe all ATM 's have surveillance, so I am not sure why they would not check cameras. I have requested all documents from my bank in regards to this situation.
Product: Credit reporting

I allowed XXXX XXXX pull my credit XXXX on XX/XX/XXXX. We could not agree upon a payment so I left. It clearly states on all of my credit reports to verify all identifying information before extending credit due to identity theft issues in the past. I ordered my credit reports because my score was dropping weekly. I then found out that there were XXXX different lending institutions that inquired on my credit ( depending on credit report ). I called Transunion just now XX/XX/XXXX at XXXX to try and dispute the inquiries. The representative said the only way to get a deletion was to get the lending institutions to give me a letter stating they made a mistake in pulling my credit report. I explained to the representative that the companies would n't do that because then they would be admitting to ignoring permissible purpose, he said that was all that Transunion could do and that was the only procedure. I have contacted as many of the lending institutions as I could with a return receipt letter asking them to take off their inquiries or proof that I authorized the pulls for credit. I still have to deal with XXXX and XXXX tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Social Security Number # : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorizaton for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever a consumer 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 am asking for the removal of the following personal information that does not belong to me as well as unauthorized inquiries and inaccurate accounts that I have listed below : The following personal information is incorrect : Name : XXXX XXXX Please Delete My name should read : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me please delete from my credit report. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me please delete from my credit report. 

My date of birth should read XX/XX/XXXX. On my credit report it reads XXXX which is a year and not a date. 

Please note I give your agency PERMISSIBLE PURPOSE to furnish the following personal identifiers ONLY : My true and correct name should read : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Social Security Number : XXXX Please delete any other personal identifiers being furnished. As a consumer, I am able to exercise my right to privacy in lieu of the Fair Credit Reporting Act. I do not wish to have any employment information furnished to my credit report. 
Please delete : XXXX XXXX XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXXDOBXX/XX/XXXX. I have attached my DL for proof of ID Please update my address to  XXXX  XXXX XXXX  , XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving inaccurate or unverifiable accounts unresolved. The XXXX has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing an ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Trans union notified me that this company is responsible for reporting or providing inaccurate information to my report
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX or XXXX and ( CREDITACPT ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXXXXXX XXXX XXXX and ( CREDITACPT ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

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 US SM BUS ADMIN ODA XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for inaccurately reporting account XXXX as a charged-off account when it was actually a repossessed vehicle. This misrepresentation of my account status is misleading and negatively impacts my credit profile. I demand an immediate removal of this inaccurate reporting. 

Additionally, I am filing a complaint against XXXX for multiple violations regarding the handling of my auto loan while I was on XXXX XXXX. XXXX repossessed my vehicle without obtaining a court order, which is a direct violation of 50 U.S. Code 3952 of the Servicemembers Civil Relief Act ( SCRA ). This law explicitly protects XXXX XXXX servicemembers from vehicle repossession without a courts approval. By failing to follow this legal requirement, XXXX unlawfully repossessed my vehicle. 

Furthermore, XXXX failed to comply with UCC Article 9, which requires creditors to provide proper notice of default and an opportunity to cure the default before repossession. There was also no attempt to conduct the vehicles sale in a commercially reasonable manner, further violating my rights and causing financial harm. 

Additionally, XXXX engaged in unfair debt collection practices by repossessing my vehicle without a present legal right to do so, in violation of 15 U.S. Code 1692f ( 6 ). Their actions constitute an illegal repossession and an unconscionable means of debt collection. The information being reported is misleading as it is not consistent between all 3 CRA 'S
Product: Checking or savings account

Yesterday my identity, theft insurance company that is helping me with my existing identity issue. Had a three way call with Trustmark bank phone number called was XXXX and the guy that ended up being the one to help was a XXXX XXXX. His email address is XXXX. So he got rude with my identity insurance claims guy, and then after he decided, he didnt wan na talk no more he rudely ended the call then moments later XXXX XXXX call me back, asking me if I would verify my information by sending in some identifying documents so I did I sent him my ID I sent in a copy of my tax transcript a copy of my high school equivalency transcripts and I emailed them to him along with the phone number to a person that could verify my ID has being the correct XXXX XXXX XXXX He was supposed to call my contact that I gave him and my contact said that he never called and I fear this man is going to handover my personal information to this identity thief that is claiming to be me because theyve done it before so could I please get some help. What was supposed to happen yesterday was verifying that I still have an account there which they said I did. And they were supposed to update my account but wouldnt do it even after I sent them proof of identity even offer descend in the proof of the identity that case that filed out here where I live. Also, I had a XXXX XXXX account at the same bank that now cant find the files where I had this XXXX XXXX account and it had over {$97000.00} in it and it just magically disappeared with no records. Thank you guy at the cfpb all yall hard work and effort in keeping consumers safe
Product: Mortgage

I applied and was in the process of short selling my home all documents and necessary items were sent and received by the loan servicing company XXXX XXXX XXXX XXXX the last item needed was the appraisal which was order by XXXX XXXX, I was contacted by their appraisal company and the appointment was set for them to come and conduct the the appraisal of my of home which was two weeks ago from the date of this complaint i was contacted shell point via email on XX/XX/XXXX XXXX asking if the appraisal had been completed on the property a reply was sent back on XX/XX/2022 that appraisal had already came out over 10 day ago, but on Thursday XX/XX/2022 i came home only to find a sale notice on my door, while in the middle of my short sale Loss mitigation process waiting on XXXX XXXX appraiser to finish and complete the appraisal, XXXX XXXX flat out lied and said the trustee filed the sale notice but after speaking to peak foreclosure services i was told that XXXX XXXX told them to file the notice even though they knew we were waiting on the appraisal to be completed. when all XXXX XXXX had to do was pick up the phone and call their appraiser but no they rather just foreclose on my home
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft. 

XXXXXXXX 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
Product: Mortgage

XXXX Montana got hit by a hailstorm in XXXX 2016, my insurance company ( the XXXX ) sent their adjuster out, on XXXX XXXX I received checks number XXXX in the amount of {$530.00} and number XXXX in the amount of XXXX, total XXXX at that time, XXXX XXXX 2016 the total owed to Roundpoint Mortgage was {$9200.00}. The checks were made to myself and Roundpoint Mortgage thus needing Roundpoint to endorse the checks so I could proceed with repairs to my home. 
Roundpoint stated they needed me to get contractors estimates and send them in with the checks for endorsement. In a phone conversation with Roundpoint I explained that this was the XXXX hailstorm in XXXX Montana in the last 4 years and that contractors or so busy that they are not writing estimates without charging for their time. Given the low balance owed that I felt that the XXXX adjustors itemized list should be sufficient. I based this on the fact the 2 years ago I received hail damage in excess of {$20000.00}, and owed almost {$30000.00} on the loan, Roundpoint at that time accepted the adjustors estimate, endorsed the checks and sent them back. The person said they check with a supervisor and agreed and said to send in the check and the adjustors list. These were mailed on XXXX/XXXX/2016. 
Roundpoint cashed both checks on XXXX XXXX 2016 ( confirmed by the XXXX Insurance on XXXX XXXX 2016 ) and sent a letter stating I would need the estimate/invoice for repairs to issue the funds to me. 
On XXXX XXXX I emailed Roundpoint " lossdraft '' ( confirmed on Monday XXXX XXXX 2016 at XXXX ) authorizing them to use the funds to pay off the mortgage, reconfirming the amount of {$9200.00} and send me the balance of {$5000.00}. 
I was told XXXX that the check would go out by the end of the week. 
On XXXX XXXX 2016 I contacted Roundpoint as no check had arrived, I spoke with a supervisor " XXXX # XXXX '' laid out the entire issue, she told me that the mortgage had not been paid off, that nothing had been done with my email. She researched the matter and found all the notes and communications, and acknowledged they had not followed through and she would make sure everything was done and a check would be issued. 
XXXX XXXX 2016, no check yet, contacted XXXX XXXX # XXXX again, she told me that they were not able to issue a check as they had to wait for the funds to clear, after a lengthy discussion the assured me a check for {$5000.00} would be mailed no later that Friday XXXX XXXX. 
XXXX XXXX, still no check, called XXXX, now they say the mortgage was paid off on XXXX XXXX, but no check can be issued until after XXXX XXXX as they are " waiting for funds to clear ''? Really? 
At this time Round point has noit followed through with anything they said they would do in a timely fashion and have been sitting on my funds for 6 weeks holding up my being able to proceed with repairs to my home. 
I am requesting your assistance in collection my funds plus any penalty and interest ( as Roundpoint would charge me if I made a mistake and had n't made a payment or was late ) that I should be entitled to as Roundpoint has not acted in good faith.
Product: Debt collection

My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue.
Product: Debt collection

In XXXX of 2023 I was ordered to pay a ticket and court fees to the XXXX XXXX XXXX and state public defender. I paid all of these costs directly to XXXX XXXX within the time due, otherwise there would have been a warrant placed for my arrest. All payment was due by XX/XX/2023 and I paid everything in full on XX/XX/2023. Although all dues were paid i got a letter in XXXX of 2023 stating the account would be sent for collections to XXXX XXXX XXXX ( XXXX  ). I contacted the state of XXXX consumer accounts department and the debt collector listed in the letter and sent in all available proof. I was told everything would be handled and was never contacted by either agency again. Five months later, in XXXX of 2023, the account popped up on my credit report in collections. At this time I again contacted the state of XXXX and I spoke to them about the situation and they said that there was a payment that shouldve been made separately from my court fine and that was what was sent to collections but when I called the county clerks office that I originally paid they informed me that specific fine that person was referring to was included in the amount I paid in XXXX of 2023. I contacted the debtor on XX/XX/2023 and explained the situation and they said they couldnt completely drop the debt but could settle for a one time payment of {$140.00}. The payment was taken out of my bank account via debit card on XX/XX/2023. Today, on XX/XX/2023 I was notified that a new account was added to my credit report. It was not a new account but rather the above mentioned debt collector reopening the account I had paid them for. I contacted my credit reporting agency and they informed me on the night of XX/XX/2023 that the mentioned debt collector is claiming they never received payment. I will also be contacting the county clerks office again after the holidays to get a breakdown summary of where everything I paid in XXXX went so there can be no denying payment anymore.
Product: Debt collection

There are multiple accounts under the company name XXXX XXXX reported on my Experian credit report. I have requested documentation from Experian XXXX XXXX to show that I am the owner of the debt, as I do not recognize this company. However, all I received was a statement saying the information is accurate, with no proof provided to me. This is frustrating, as I am getting nowhere with Experian.
Product: Mortgage

My loan was sold to nationstar mortgage, I ve been having trouble with them from the start .I have contacted an attorney to get things straighten out. And the person that he talk to there had agreed XXXX some terms to straighten out the matter but like always nationstar will not work to get this loan straighten out Now they wont give my attorney the rein-statements Values paper work that is needed?
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX I received a loan in the amount of XXXX. I contacted them on XX/XX/XXXX to see if I could skip or do a lesser amount for my first payment. They denied that request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # XXXXXXXX XXXX ( High balance {$0.00}, Count of late payments XXXX ) XXXX ( High balance {$4500.00}, Count of late payments XXXX ) NCB Management Service Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send ) XXXX XXXX XXXX Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send )
Product: Credit reporting or other personal consumer reports

These unauthorized inquiries are negatively impacting my ability to obtain credit and apply for loans. In accordance with the Fair Credit Reporting Act, I request that you promptly remove these unauthorized inquiries from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with The Fair credit reporting act account number XXXX  XXXX XXXX has violated my rights 15 USC 16 81 section 602 a States I have the right to privacy 15 USC 16 81 section 604 a section 2 it also stays a consumer reporting agency can not furnish a account without my written instructions 15 USC 16 6b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.