23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to express my frustration and disappointment with the ongoing issue I have been experiencing with incorrect 1098 statements for my multiple loans with the bank. Despite escalating this issue a year ago, the problem persists, and I am still unable to access accurate 1098 information online or through the mobile app.

To recap, I have three loans with Fifth Third Bank, and when I attempt to download the 1098 statements for each loan, I receive 3 identical, incorrect statements. Furthermore, the 1098 forms do not include the property addresses associated with each loan. This oversight is not only inconvenient but also creates unnecessary complexity for customers who rely on paperless statements and documents.

I urge you to take immediate action to resolve this issue, ensuring that the website and mobile app accurately display 1098 information for customers with multiple loans. It is unacceptable that this problem has been ignored for so long, and I hope that you will take steps to prevent similar issues in the future. 

I appreciate your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need to lift freeze for student loan application. There is no customer rep, no email, no chat, no way to talk to someone at Experian. When I try to lift my freeze temporarily I receive an error that says to call. When I call there are no options regarding unfreezing and there are no options to speak with someone. If they do not have representatives they should not be in charge of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've sent 2 attempts to get this account handled but this company never replied back in the time frame alotted. The first attempt was XXXX/XXXX/XXXX and I waited over 30 days to recieve a response before I sent the 2 attempt on XXXX/XXXX/XXXX and again no response.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding your companys failure to provide proper debt validation and continued reporting of inaccurate information to credit reporting agencies. 

On XXXX, I submitted a request for validation of the debt associated with the account referenced above. According to the FDCPA, you are required to provide proper validation of the debt, including but not limited to : The name of the original creditor ; The amount of the debt, including itemized fees and charges ; and Evidence that you have the legal right to collect on this debt.

To date, you have failed to provide the required documentation to validate this debt. Despite this failure, you have continued to report this unverifiable debt to credit reporting agencies, which is a direct violation of 15 U.S.C. 1681s-2 ( b ).

I am also a Texas resident and not North Carolina, I will need proof that you are licensed and can legally collect in Texas as well if you can fulfill the prerequisites.

This letter serves as a final demand for you to : 1. **Immediately cease all reporting of this debt to any consumer reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not investigate my file they keep saying to provide new info.. i keep sending new info and they dont do anything.. i need a human to look at my file and not no e oscar machine.. 

if XXXX does not fix my problem i will have to sue with my fcra attorney help a regular person out that needs help Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XXXX SSN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear XXXX : I received the credit report you have on file for me, and it contained the following inaccurate information : Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft However I was in contact with the creditor who has verified that this information is inaccurate. As such, it should be removed from my credit report. I am requesting that you reinvestigate this item and remove it from my report as soon as possible. 

[ INCLUDE CONTACT INFO FOR THE CREDITOR WHO CAN VERIFY THE INACCURATE INFO, OR INCLUDE OTHER PROOF OF THE INACCURACY ] Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I was checking my credit score when I saw a company named Afni, inc. reported debt collection amounting to XXXX . I don't know this company nor I owe them any thing. This company is trying to collect a debt which I have no information nor I owe any XXXX to this company. This company has ilegally damaged my credit score. I need this collection account removed from my credit report immediately.
Product: Debt collection

I noticed my credit score dropped substantially so I pulled my credit from XXXX and found that a collection account for {$3900.00} was being reported incorrectly on my report. I tried to dispute the record on the XXXX report but could not complete the dispute because I didn't have any information about the fraudulent activity except the company that reported the charge and the amount. I called XXXX XXXX XXXX on XXXX to report the fraud and they said they were opening a fraud investigation but they would not give us any information regarding the fraud that occurred. Received a letter from XXXX XXXX XXXX today on XXXX that the matter was referred to Sequium and asked me to call them at XXXX to open a fraud claim. I called Sequium and they refused to confirm or deny any record. They also hung up on me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-oft misrepresents my payment history and negatively impacts my credit score Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections Thank you for your prompt attention to this matter.
Product: Debt collection

TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS. 
XXXX F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO TRANSUNION AND EQUIFAX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT. 

XXXX T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION. 

S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT XXXX DISCHARGE UNDER XXXX MODIFICATION BY XXXX MORTAGE.
Product: Credit reporting or other personal consumer reports

On summer of this year I called XXXX, a subsidiary of XXXX, to asked them to deferred three payments of my personal loan. XXXX send me an agreement and I signed it. I was told by XXXX, that my credit report will not be affected. Arbitrary XXXX started reporting late payments to the credit bureaus. by the way, XXXX is not allowing me to view the document signed in their website!! 

Over three months I have being calling requesting the issue to be resolved and they are evading their responsibility and repeatedly telling me that I have to wait. They are playing the tired game with me. 

I want from them to stop reporting viciously to the credit bureaus immediately and fix my credit report. 

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

Unable to get my free Equifax annual credit report online as promised on XXXX XXXX. 
An error message claims Equifax is unable to verify my identity but no such error occurred with the other reporting agencies. As a result I now have to wait 6 weeks for my ordered annual credit report over the phone or by mail. 

When I clicked on the link to check my Equifax credit report, a page stating that the system was not available and takes me to a page that states Status404 - not found the origin server did not find a current representation for the target resource or is not willing to disclose that one exists. After it says, " report already received '' and I have not received my free annual credit report from Equifax. This is not the first time, which tells me they don't care nor have intentions on solving this issue. It would not let me back in the site. I have gone to Equifax website, but you must purchase a product in order to speak with a human person. The links connected with the Fair Credit Reporting Act for their site are not active, there is no phone number to resolve issue. You can't even order a credit report without signing up for a monthly subscription.
Product: Credit reporting or other personal consumer reports

I had for accounts that were paid in full that showed as charged off. They are all the same lender.
Product: Debt collection

Said company has violated my consumer rights Under 15. U.S 1692e- False or misleading representations Adebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communicationis from an attorney. 

Attached letter was sent on behalf of XXXX XXXX XXXX, which is a violation under law
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached by more then one breach XXXX  data, XXXX XXXX, & found on black web since i found UNAUTHORIZED ACCOUNTS & INQUIRIES that need to be DELETED
Product: Debt collection

I DO NOT HAVE A CONTRACT WITH XXXX XXXX NOR DO I HAVE ANY CONTRACTS WITH GM FINANCIAL. Show me a contract bearing my signature as validation and competent evidence that I have some contractual obligation to pay you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out two letters to this company stating that there was an hard inquiry on my credit report and need it be removed immediately. The company wrote with the same letter twice and said that XXXX XXXX XXXX XXXX  pulled my credit. I called XXXX XXXX XXXX XXXX  and ask them to get it remove but no one is willing to remove the hard inquiry. I ask them for proof of my bearing signature of me signing any type of application with this company.

XXXX date of inquiry :XX/XX/XXXX CoreLogic XXXX date of inquiry : XX/XX/XXXX XXXX date of inquiry :XX/XX/XXXX
Product: Credit card or prepaid card

We opened a credit card in my wife 's name that had a promotional free interest rate for 15 months in XX/XX/XXXX. I checked my statement in XX/XX/XXXX and it was still showing 0 % interest. No where on the statement was an indication of when the promotional interest would expire. When I looked at my XXXX Statement, I was charged {$160.00} of interest. I called Capital One and they said they would not waive the interest since the provided the length of the promotional period in the terms and conditions when I opened the account. This seems unfair and deceptive - a way to ensure they will be able to charge interest to customers. Other credit card companies have the promotional period on their account statement so it is very clear when the promotional period ends.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This XXXX include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX of XXXX NC several certified letters to have this resolved and i have also wen in person and made several calls, but no one has ever 
esponded to anything have tried to do. I see on my credit report that this account is listed as open with a balance and to be honest the car was a lemon and i had to have several repairs on the car i was told if i just give it back we will call if even. but i see now that they are reporting incorrect information and i have tried for years and so many time to get this fixed they wont call back or even write a letter back i see that someone signed for the letter of dispute. I really need help this is unfair i have reached out to your company for help before but i have not or maybe don't understand what's going on. Please help me i have tried so hard to get this fixed. 
Thanks so very much signed a person being honest and trying to fix the wrong that has been done to me
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in XXXX of this year. The identity thief tried to set up an account with XXXX on XX/XX/XXXX. This resulted in a hard inquiry on my credit report with Trans Union.  After many attempts to dispute it, I was advised to obtain a " Letter of Deletion '' from XXXX and forward it to Trans Union so that the fraudulent inquiry could be removed from my credit report. 

Then came many phone calls to XXXX and getting the runaround. Finally I was advised to send all identifying information, social security number, drivers license, police report and various other documents to their address in XXXX, NM, which I did on XX/XX/XXXX. Their response was to dispute any errors with the credit reporting agency. 

On XX/XX/XXXX I spoke with their agent, XXXX, at their XXXX phone number, who advised me to send all the information to their legal department in XXXX, WA. I did so on XX/XX/XXXX. I receive the same ridiculous response! 

In my final letter to both addresses on XX/XX/XXXX, I again explained the situation including attention to a XXXX XXXX at the NM address. As of today 's date, XX/XX/XXXX, not even a response!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX 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, credit repair services, or other personal consumer reports

TransUnion has incorrectly reported a 30-day late payment on my XXXX XXXX XXXX auto loan dating XX/XX/XXXX, which is the same day XXXX reported that I paid off the loan. I tried to dispute this, but was unable due to a previous dispute some time back. Due to a glitch in XXXX XXXX   system a late payment did go out the day I paid off the loan. the late payment shows 30-days late on a {$0.00} balance. This account should be " Paid as Agreed '' and immediately corrected. 
Last reported XX/XX/XXXX Creditor name XXXX Account type Automobile Account status Closed Opened date XX/XX/XXXX Closed date XX/XX/XXXX Limit {$0.00} Term Monthly ( due every month ) Monthly payment {$0.00} Responsibility Joint Account Balance {$0.00} Highest balance {$14000.00} Payment status Late 30 Days Date of last payment XX/XX/XXXX Amount past due {$0.00}
Product: Credit card or prepaid card

Ive had Bank of America XXXX XXXX credit card. Ive been a loyal customer for over 8 years. This past year my Credit card was hacked for over XXXX. Ive tried Dispute multiple times and they dont wan na work with me its not my fault and Im getting faulted for it. Im the victim and They don't want to help me out with the situation. Im not paying for something I havent done. I even gotten police report and still dont help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an unknown individual deposited XXXX cents into my account. On that same day XXXX cents was randomly charged to the account without my consent. I tried to call paypal but could not reach them. I changed my password but two days later there was another random charge for XXXX and for XXXX. I contacted paypal and they said that their records show that the requests came from my devices. Paypal 's agreement clearly states " An Unauthorized Transaction occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. '' I did not authorize this payment and it did not benefit me. I do not care if a hacker is savvy enough to make it look like it came from my computer or phone and PayPal does not state that is a necessary component of establishing unauthorized transactions. According to Paypal 's own rules it doesn't matter how someone other than me authorized it, it only matters that I did not authorize it.
Product: Credit card or prepaid card

On Saturday XX/XX/XXXX I received my payroll at XXXX by XXXX the same day someone had gone into my account and withdrew the money ( {$300.00} ). 

This is the second time this has happened in less than a month. 

The prepaid card is Netspend and I also have an online account where I can view all transactions, statement and personal information. The person has there information in this account such as name, address and email address. 

I do not know the individual. I have tried to fix the problem with Netspend to no avail Apparently this seems to be a inside job meaning the person is employed by Netspend..
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue that I have experienced with Navy Federal Credit Union. As a customer of Navy Federal Credit Union, I have been subjected to discriminatory practices that have resulted in a lack of annual benefits, higher APR rates, and a refusal to increase my credit limit. XX/XX/year>, Navy Federal refused to honor my Anniversary loyal cash rewards for lower APR of 9.65 % as well as credit limit increase. 

Under consumer protection laws, it is imperative that financial institutions such as Navy Federal Credit Union adhere to fair lending practices and provide equal opportunities for all customers. However, I have consistently been denied access to annual benefits, lower APR rates, and an increase in my credit limit without any valid explanation or justification. 

This discriminatory treatment not only violates my rights as a consumer but also goes against the principles of fair and ethical banking practices. As a member of the Navy Federal Credit Union, I expect to be treated fairly and have access to the same benefits and opportunities as other customers. 

I urge the XXXX XXXX XXXXXXXX to investigate this matter thoroughly and take appropriate action to ensure that Navy Federal Credit Union complies with consumer protection laws and provides equal benefits and opportunities to all customers. Discrimination in any form should not be tolerated, especially within the financial sector where trust and transparency are paramount. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and equality in banking practices. 

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

Inquiries on my report that I have no knowledge of... 
XXXX XXXX - XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud & misleading information given by company. 
Want monies refunded. Will not do business with this organization again