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

Congress passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. XXXX has failed to follow these regulations set by the Federal government. Because of this EQUIFAX is obligated by law to remove it immediately. EQUIFAX is liable under the SEC to follow certain rules and regulations. EQUIFAX Commission file number XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX , Georgia XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX. Consumer will be filing form 211 treasury OMB forms to audit consumers account. EQUIFAX is securitizing my data yet refuses to provide consumer with a copy of their UPDATED AND ACCURATE CONSUMER FILE DISCLOSURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting debt from XXXX XXXX without validation or contract tried to have them correct the situation and they are refusing to do so XXXX can not verify the debt and yet its being reported on the report
Product: Credit card or prepaid card

Citi Bank ( Mastercard ) sent me a letter closing my account stating it was closed due to non-activity. They did not send a warning letter or call to inform me this would take place. I have been a customer with flawless payment history since 1990, 30 years. As a consumer I feel my rights have been violated and action should be placed against Citi Bank. I feel this is due to my age. I tried to call and have the card re-instated, but they would not due so unless I re-applied for a new card are pull my credit. I feel I have done nothing wrong and being treated unfairly. As a result my Credit Score has declined by their actions. I should have been given a warning prior to closing my account. I have received warning letters from other Companies like XXXX XXXX. This tells me this practice of closing accounts without warning is not industry standard. I want this addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know nothing about the XXXX XXXX account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: 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 re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau 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 ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law, and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX other engineering company showing up pulling my credit with my permission please get this corrected they have been destroying my life hacking issues and other issues i filed to ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX- {$400.00} XXXX. XXXX XXXX XXXX XXXX XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX - {$1200.00} XXXX. XXXX XXXX XXXX {$540.00} XXXX. XXXX XXXX XXXX XXXX - {$9100.00} XXXX XXXX XXXX XXXX XXXX Account No. XXXX ( dates : XX/XX/XXXX- XX/XX/XXXX ) XXXX. XXXX XXXX XXXX - {$330.00} XXXX. XXXX XXXX XXXX XXXX- {$5300.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. - {$330.00} XXXX. XXXX & XXXX XXXX - XXXX - {$560.00} 15 USC 1681 Section 602 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THESE CREDIT INACCURACIES ARE DETRIMENTAL TO YOUR LIVELIHOOD. As it has stopped my son and I from getting proper shelter, a car and employment. I am demanding these items be deleted IMMEDIATELY! 


This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Product: Mortgage

I have a FHA mortgae through XXXX XXXX  and serviced bt Flagstar Bank. 

I have been in a COVID forbearance since XX/XX/2020 due to a reduction in our household income. 

I have never received information regarding the numerous COVID related hardship plans. Then I read a HUD article on the many options my lender and servicer should have offered me. 

I contacted Flagstar Bank, my servicer at the end of XXXX and was told they could not discuss any options available to me until my forbearance was over or no sooner than a month prior to the forbearance ending. 

In the middle of XXXX I contacted Flagstar again and demanded that they discuss my options and explained to them I have read the HUD information and even called HUD who confirmed my servicer should have discussed these options with me. I was told I was only eligible for a standard streamline modification. I again explained this was not my desire. The employee told me they were not aware of any COVID related options. Then demanded either my paystubs or bank statements to be uploaded to their website. Only having access to my bank statements, I uploaded them as directed. I called 2 days later and was again told I was only being considered for a streamline mortgage. I demanded to speak to a manager and again explained to the manager that I read the HUD article and spoke to HUD who confirmed the various COVID related options. I asked to be considered for the COVID option to achieve a 26 % reduction in P & I through the interest rate reduction to the HUD Published rate of 2.85 % or within 0.125 of the rate. 

The manager explained he would send an email to the team working on the streamline and have them change the request. 

The final outcome was not a 25 % reduction to P & I nor an interest rate reduction to the HUD published rate. When I questioned Flagstar about why they did not follow HUD guidelines, I was told this is all the investor - XXXX XXXX would allow.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : Dispute of Debt and Request for Validation under USC 1692 ( c ) ** Dear Applied Bank I am writing to you regarding a debt that you have contacted me about. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692 ( c ), to request validation of this debt.

Please provide the following information : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Copies of any documents that support your claim that I owe this debt, including the signed agreement that created the debt.

4. A detailed accounting of how the amount you claim is owed was calculated.

While this debt is under dispute and until proper validation is provided, I request that you cease all collection activities related to this debt as required by law. Additionally, please refrain from contacting me at my place of employment or by phone, and limit any further communications to written correspondence only.

Thank you for your prompt attention to this matter. I expect to receive the requested documentation within 30 days of your receipt of this letter. 

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

Good Afternoon CFPB I have been disputing inaccurate information on my credit report, there are multiple accounts that are reporting inaccurately. I have submitted multiple disputes starting XX/XX/2020 - the accounts have remained on my account. 

I am submitting a complaint as a last resort and I hope you can assist me in removing this inaccurate information from my report. 

Thank you so much, XXXX
Product: Debt collection

I recieven multiple calls from a foreign woman and the information on the voicemail was very hard to hear and understand. but basically I heard that I would be arrested at my place of employment and my debt needed to be paid. they need to hear from me within 48 hours otherwise something else would happen..
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

It's necessary to adhere to FCRA 605B by eliminating incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. Compensation of {$1000.00} per incorrect entry on my credit file is expected.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the account XXXX XXXX XXXX opened in opened in XX/XX/XXXX with a balance of {$1800.00} was previously disputed and found to be a fraudulent account was put back on my credit report which violates my rights under the Fair Debt Collections Practices Act ( FDCPA ). I also noticed that I previously disputed the accounts XXXX opened in opened in XX/XX/XXXX with a balance of {$8800.00} and XXXX Opened in XX/XX/XXXX with a balance of {$4400.00}, which I asked to be legally removed within 4 business days due to Inaccurate reporting across all bureaus, identity theft, and deficiency balance claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dispute this XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX Dispute this XX/XX/ XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX Dispute this XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Dispute this XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX Dispute this XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX And again XXXX XXXX has ignored my XXXX : I also attach an updated credit report from other removal letter from XXXX and XXXX. but XXXX has ignored the removal inquires request on my credit. I have no knowledge on this hard inquires .....
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Checking or savings account

On XX/XX/21, I looked at my on-line checking account with SunTrust Bank and noticed that ( 5 ) unauthorized checks were cashed on XX/XX/21 and ( 23 ) unauthorized checks were cashed on XX/XX/21 by the bank. These all totaled {$11000.00}. All of the checks were about {$300.00} and not more then about {$400.00}. I was amazed that SunTrust bank would allow that kind of strange transaction to occur without questioning it. I went to our local bank branch and spoke with the branch manager about the fraud. She told me to close the account and she would take care of the rest on her end. On XX/XX/21 I went to the bank and spoke to the manager regarding the fraud and to find out if there was anything more that we needed to do on our end to help the process in getting our money returned to us. She told me that we needed to file a police report. We filed a police report. The officer came to our home to take our information and he gave us a case number. In early XXXX, I called the fraud department to see where they were in the process of returning our money. They said we needed to file an affidavit. They also said that their investigator attempted to reach me. There were not messages left or record of calls from them on my cell. I have contacted the fraud dept. 5 times. They keep telling me that the money will be put in back in my account. Today is XX/XX/21 and no money that was fraudulently taken from my bank account was deposited back into my account by SunTrust. I have written to XXXX XXXX, SunTrust, CEO of fraud. I sent the letter XXXX  on XX/XX/21. I have not heard back from him.
Product: Vehicle loan or lease

I owe Ally Financial {$2.00}, XXXX for the remainder of my vehicle loan. I paid {$210.00} and {$200.00}, because I am trying to pay the loan off, however when I checked my account It still comes up as {$2500.00} and not the reduction from the initial payment of {$2100.00} and he stated that the XXXX was forwarded to XXXX payment.
Product: Student loan

My name is XXXX XXXX XXXX account number XXXX with lender-services NAVIENT. My loans were consolidated, however ; due to my limited income an IDR was submitted to NAVIENT which was approved for an entire year ending XX/XX/XXXX. 

Nonetheless - to my surprise my Federal and Sate Income Tax refunds for XX/XX/XXXX return were captured by the Department of Education Collections for default payment. 

Consequently - after hours and disconnections and run-around for days from one department to another within NAVIENT, they found no reason for the capture. Thus - I had informed NAVIENT I had spoken to the Department of Education, and The Department of Education Collections as too the IRS all indicated the demand for capture was from NAVIENT. 

NAVIENT denies or declares they made no such demand. I am perplexed confused how an agency such as NAVIENT doesn't know what the left hand is doing and vice-a-vice. And - The department of Education Collections received the captured Income Tax refunds, but will not be released until NAVIENT sumits a reversal to The Department of Collections to return my State and Federal refunds along with a letter indicating that the IRS and Collection agency have been formal notified that an error in judgement was done and removed from the files of the IRS and Minnesota Revenue
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI credit card payment was made on XX/XX/XXXX. Payment was made in full and last four CC # was written on memo line of check. 
Company argued they never received the payment, yet our bank confirmed the credit card payment posted via XXXX On XX/XX/XXXX and provided me with a transaction detail report. 
Transaction detail was provided to the company. They were not able to locate the check for several months. Finally, after several phone calls and repeating my story several times, CITI miraculously found the check. I was assured the payment would be recorded, and applied to my account. They assured me that late fees would be removed. They assured me that it WOULD NOT negatively impact my credit. They LIED. 
I beyond frustrated. I made a payment, on time, in full and THEY LOST IT. I was told by two representatives very recently that CITI made the mistake and it would be corrected. BUT IT HAS NOT been done. I need it corrected ASAP.
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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: Mortgage

On XX/XX/XXXX, we closed on our house paying $ XXXX in earnest money, down payments and mortgaging fees and secured a money purchase loan ( Loan Number : XXXX ) of $ XXXX for our residence. 

Upon recent review, we discovered the lending institution, XXXXXXXX XXXX XXXXXXXX d/b/a The Branch Banking and Trust Company ( BB & T , now Truist ) prior to our closing, assigned our loan to BB & T of North Carolina on XX/XX/XXXX, before their effective servicing date of XX/XX/XXXX. ( See attached This caused us to make further inquiry. On XX/XX/XXXX, we made a call to BB & T asking for a copy of our complete closing package, and all information concerning our loan. The representative informed us that our loan was paid off by an investor, and contradicting information that our loan had never been released. She assured us that she would send us information on the date, and party who paid the loan and confirmation as to the loan having been never released and that we should receive the information within 48 hours. This has not happened! We were even forewarned that the company might withhold the information she ( their customer representative ) was going to attempt to send. 

It is our suspicion that BB & T ( now, Truist ) never intended to send us this vital informationas it only highlights errors made on our loan and augments yet another disservice to hundreds of thousands of other American Consumers, in addition to the XX/XX/XXXX, Settlement Agreement between the United States for identical allegations. 

We are asking the CFPB for any assistance in obtaining this fiduciary information from this illusive and evasive company. 

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

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.