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

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX OF GA XX/XX/year> XXXX CARD XX/XX/year> XXXX CARD XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX OF XXXX XXXX XX/XX/year> XXXX XXXX  XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX  XXXX  XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX  XXXX XXXX : {$13000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$100.00} ; Medical XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
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 XXXX 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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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

I submitted disputed along with an FTC report for this fraudulent account : XXXX {$1000.00} This fraudulent account has not been deleted from my credit reports ( Experian & XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Virginia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts have been reported incorrectly and I would like them to be investigated and corrected : XXXX XXXX XXXX XXXX : Late payment account ( XXXX ) XXXX  : Charge off account ( XXXX ) XXXX  XXXX : Charge off account ( XXXX ) XXXX XXXX : Charge off account ( XXXX ), Charge off account ( XXXXXXXXXXXXX**** ), and Charge off account ( XXXX ) XXXX XXXX Bank : Charge off account XXXX XXXX ) XXXX XXXX : Charge off account ( XXXX XXXX, Charge off account ( XXXX ), and Charge off account ( XXXX ) XXXX  : Charge off account ( XXXX ) XXXX XXXX XXXX : Collection account ( XXXX ), Collection account XXXX XXXX ), Late payment account ( XXXX ), and Late payment account ( XXXX ) XXXX XXXX XXXX  : Collection account ( XXXX ) XXXX XXXX : Collection account ( XXXX ) I believe that some of these accounts may have been reported in error or contain inaccurate information. I would appreciate it if you could investigate these accounts and correct any errors that you may find.

Please provide me with a written explanation of the results of your investigation and any actions taken to correct these errors. Also, please provide me with a copy of my updated credit report once these corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I've ask for proof that it's my account I ask to send me documents of who open the account what was used... why is it on my report as verified why is the laws not sent to me about the fraud account that 4 years ago
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information. Specifically, under 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or incomplete information on my credit report and expect it to be corrected or removed after a reasonable investigation. My address is XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX have not lived in any of the following addresses in over 10 years and some of these addresses I do not recognize. 

Addresses : XX/XX/XXXX XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX The addresses and phone numbers listed above are no longer associated with me and are not relevant to my current credit profile.

I have already sent a copy of my government-issued ID and proof of my current address for your reference.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNTS BELOW ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I earnestly request that you take this off my credit report since it doesn't belong to me and is completely false.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Finacial is checking and pulling my credit report without my consent. I want to file a law suit against One Main Finacial to pull my credit report without my knowledge.
Product: Mortgage

The escrow for property taxes was not included in my XX/XX/XXXX payment because I do not owe any taxes for the year XX/XX/XXXX-XX/XX/XXXX. They have already been paid by the State of California as the XXXX XXXX customer service people have been notified of multiple times. A fully paid receipt by XXXX County is attached.
Product: Mortgage

Carrington Mortgage has been giving me the big runaround about a loan modification, meanwhile they are tacking excessive fees running up the amount they say they are owed. I demand that they produce a promissory note or some other proof that they are the bank that even owns the property. I should not have to hire an attorney to force them to produce proof that they are they have a legitimate copy of the note, especially if they are going to try to claim that they are owed way above what the monthly payment should be.
Product: Credit reporting or other personal consumer reports

Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX XXXX had sold my loan to PHH mortgage services and we have made the payment for Installment amount of {$3800.00} and additional payment of $ XXXX on XXXX XX/XX/XXXX and now on XXXX XX/XX/XXXX they have reversed the payment of $ {$3800.00} and additional payment of $ XXXX without notifying the customer ( me ). They had just mentioned that your loan will be transferred to XXXX XXXX from XXXX XX/XX/XXXX. Today by chance we have checked the documents send by XXXX XXXX and in which they are asking for due payment of {$3800.00} which we have already paid. These companies are playing with customer and make our life tougher. PHH mortgage had kept my {$6800.00} with them for 17 days and now they have reversed the payment on XXXX XX/XX/XXXX with out any info. PHH mortgage should be fined for non compliant and failed to inform the customer about the payment reversal when only one week is left before the payment due date and they should pay interest of 6.36 % on the amount of money they kept for 17 days.
Product: Credit reporting or other personal consumer reports

There is information on my report that is a result of identity theft. Please remove the following inquires : 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 

FTC report attached.
Product: Mortgage

I applied for ca mortgage relief back in XXXX, 2022 it was approved, they send my past due payments about {$58000.00} to BANK OF AMERICA in XXXX 2022 Bank of America Transferred My loan to XXXX XXXX XXXX in XXXX, XXXX, 2022. 
Now Bank of America is Holding the money that Ca. Mortgage Relief sent them. they are not returning the money they did not transfer the money to XXXX, my house is going to go to foreclose soon, XXXX  is keep charging me a very higher late fee charges of {$280.00} a month higher than Bank of America was {$97.00} I need help to get the money back so it can be sent to new servicing co. XXXX.
Product: Credit reporting, credit repair services, 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 confidentially under XXXX XXXX XXXX. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Mortgage

A loan modification application was submitted on XX/XX/XXXX to lender, but they are not doing anything with it apparently. These are violations of the VA servicing guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken Loans has been harassing me about taking out a mortgage loan. I have told them no. Without my approval they pulled a credit report and actually created forms. I simply got an email telling me my paperwork was ready to sign.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a repossession for {$29000.00} from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Product: Mortgage

SunTrust Mortgage held the mortgage on my home until XXXX XXXX. An escrow account was established at closing to pay taxes and insurance. SunTrust made a partial payment on the insurance in XX/XX/XXXX, even though there were funds in the account to cover all charges. The insurance was canceled due to lack of full payment. SunTrust then sold the loan to XXXX XXXX XX/XX/XXXX due to lack of insurance. I made several calls and wrote letters to them there was never no written response. .An attorney contact them in XX/XX/XXXX on my behalf still no response.I spoke with them however, they stated they have no information on my file since it was sold. The lender placed insurance cost is $ XXXX yearly and only covers the structure. I have a 30 year fixed mortgage however the escrow has increased to over {$500.00} per month .We could loose our home due to their error. My payments have gone from {$1900.00} to $ XXXX.Desired resolution I want SunTrust to compensate me for the harm they have caused my family, I would like to be included in a class action suite against them since I got my loan XX/XX/XXXX and the interest rate is 5.8 %. My husband and I are XXXX and both had scores above XXXX when the loan was secured. I can be reached at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX owner.
Product: Credit reporting or other personal consumer reports

My current mortgage was sold to Regions in XX/XX/XXXX & I received letter confirming transfer. No issue with that but I then received notification that Regions had done a hard inquiry on my credit causing score to decrease by approx XXXX points. I called Regions to inquire & got nowhere. I physically went into branch & was assured the credit would not have been pulled just for my mortgage being sold to them! Not a day letter I received a notification that a dispute had been filed on my behalf by Regions. This the viscous cycle has began & is still going as of today XX/XX/XXXX where I was notified again on XX/XX/XXXX that my score went down again by XXXX points. I tried reaching out to XXXX but they pointed me back to Regions. I have NOT ever authorized Regions to pull my credit and even went a step further & told them by phone call that I did not authorize them to do ANYTHING on my credit involving disputes until I physically spoke with someone & got to the bottom of this. This has been ignored and for the past 3 months my credit monitoring has been overwhelmed with messages of Regions performing hard inquires, filing disputes on my behalf, removing disputes, etc all on my behalf & I have never authorized any of this! I have screen shots of phone calls w/dates & times , screen shots of alerts received as well as actual emails I sent regarding this situation. This has been a nightmare & Regions continues to blow me off & not take this seriously & only say we would not pull credit when a mortgage is purchased but its obvious Regions is doing something without ever getting any kind of verbal or written authorization from me and has CONTINUED to manipulate my credit even after I blatantly called & said do not touch anything.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Mercedes-Benz Financial Services USA LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Demand and Notice for Full Disclosure of Alleged Loan Agreement Dear Sir/Madam, I hope this letter finds you well. I am writing to you as a concerned customer regarding an alleged loan agreement between myself and Mercedes-Benz Financial Services USA LLC XXXX I kindly request your immediate attention and full disclosure of the loan agreement in question. 

It has come to my attention that there may be discrepancies and uncertainties surrounding the terms and conditions of the alleged loan agreement that I supposedly entered into with your company. In order to clarify these matters and ensure a transparent and fair resolution, I hereby demand full disclosure of the following information : XXXX. Loan Agreement Documentation : Please provide a complete and unaltered copy of the alleged loan agreement, including all amendments, addendums, or modifications made to it, if any. 

XXXX. Terms and Conditions : I request a detailed breakdown of the terms and conditions of the alleged loan agreement, including the interest rate, repayment schedule, any associated fees or charges, and any other relevant contractual obligations. 

XXXX. Payment Records : Kindly provide me with a comprehensive record of all payments made towards the alleged loan, including dates, amounts, and a clear indication of the remaining balance, if applicable. 

XXXX. Communication Records : Please furnish me with any and all correspondence, including emails, letters, or phone call records, pertaining to the alleged loan agreement between myself and Mercedes-Benz Financial Services USA LLC XXXX 

XXXX. Proof of Ownership : I require verification of the ownership and validity of the alleged loan agreement, including any supporting documents or evidence that substantiate your claim. 

I expect full compliance with this request within [ number of days, e.g., 30 days ] from the receipt of this letter. Failure to provide the requested information within the specified timeframe may result in further legal action to protect my rights and interests as a consumer. 

I trust that Mercedes-Benz Financial Services USA LLC values transparency and fair dealing with its customers. Therefore, I anticipate your prompt response and cooperation in this matter. I firmly believe that resolving these uncertainties will not only benefit both parties involved but also foster a more positive customer relationship. 

Thank you for your attention to this matter. I look forward to receiving the requested information at your earliest convenience. Should you have any questions or require additional information, please do not hesitate to contact me at [ your contact information ]. 

Yours sincerely, XXXX XXXX