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

I am writing to inform you that the associated account linked with XXXX XXXX has undergone successful discharge through the Internal Revenue Service ( IRS ) via a 1099C form. Attached herewith is Copy B of the processed 1099C from the IRS for your reference. 

As a direct consequence of this account being settled and discharged by the IRS through a 1099C, I hereby request the immediate deletion of the collection balance currently being reported on my consumer report under the names and alias " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Account # XXXX am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX XXXX XXXX  account ( # XXXX ) on my credit reports with Experian and XXXX. This account has inconsistencies and was sold to collections without my consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account from all credit reporting agencies and an investigation into these discrepancies and unauthorized actions. 

Issues Identified 1. Inconsistent Reporting : High Credit : Experian : {$0.00} XXXX : {$600.00} Credit Limit : Experian : {$400.00} XXXX : {$0.00} These inconsistencies are problematic and suggest incorrect reporting of the account status. 
2. Unauthorized Sale to Collections : The account was sold to collections without my consent, violating my privacy and legal rights. 
3. Inaccurate Activity Reporting : Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Payment : Experian : Not reported XXXX : XX/XX/XXXX The lack of consistent reporting of the date of last payment is a clear discrepancy. 

Violations and Impact The inaccurate and inconsistent reporting of the account information and the unauthorized sale of the account to collections without my consent are serious violations of the FCRA and my privacy rights. These errors and unauthorized actions have caused potential harm to my credit profile, leading to undue stress and financial implications. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
6. Right to Privacy : The unauthorized sale of my account to collections without my consent is a breach of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent out some disputed letters on XXXX. It's been well over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2023, I received an email alert from my bank about a new credit inquiry from Lender : XXXX. I immediately called one of the three credit reporting agencies to report this as fraudulent acivity, Experian. Experian took my number so I am notified of each time an inquiry is attempted. They also recommended I get in touch with Lender : XXXX as also FTC.GOV so I called XXXX ( XXXX XXXX XXXX XXXX only to find out that my information was obtained by one of the three credit reporting agencies. XXXX obtained my information and did a soft credit check to let me know I am prequalified. I've never been interested in purchasing from XXXX and my time has been wasted. I truly thought someone was committing fraud but it was the immoral practices of two institutions playing with consumer information that should be secured.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX  XXXX Balance XXXX {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX 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 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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it required timely access to my funds. This situation raises concerns about my consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I am being requested to pay for a service I did not receive completely. I was told by XXXX that I can no longer receive service due to FDA REGULATIONS against the company however I am being ask from XXXX to pay for aligners. XXXX is a horrible company and has caused damage to my teeth. I would like the amount refunded and removed from my credit.
Product: Consumer Loan

As of XXXX XXXX, 2016, I went to XXXX of XXXX XXXX, NJ to purchase as used vehicle. I was introduced to the XXXX XXXX vehicle that I am currently driving now by XXXX ( the dealer ), he introduced the vehicle as one with no problems, and WITHOUT AN " AS IS STICKER " on the vehicle, implying that the vehicle would be under a form of warranty. 
As of XXXX XXXX, 2016, I went to the dealership to fill out the forms to purchase the vehicle with the manager, and I was swarmed with documents that I had to sign, but later I realized that there was no CAR FAX document to give a history of the condition of the vehicle. Since then I have been calling them to get a copy of the CAR FAX, and I have been getting the run around because since I purchased this vehicle, which has only been one year and three months, I have had to pay over XXXX in repair fees, for parts on the vehicle that should n't be in need of repairs in such a short time. Also there was no AS IS sticker on the vehicle, so I was under the impression that I was under a form of warranty. I then had a professional mechanic inspect the chassy of this vehicle and discover that this vehicle has suffer major water damage, AS IF IT WAS IN A FLOOD. So in summation, I paid XXXX, as a down payment, on a vehicle that was listed at XXXX, but with all of the newly discovered damages, like THE DIFFERENTIAL TRANSFER CASING, MUFFLER PIPE, AND THE FOUR WHEEL DRIVE AXIL, note : items that a newly purchased vehicle should be in need of repair, Is only worth less than my down payment amount. And yet I still have not got a CAR FAX statement on the history of this vehicle, and with the documentation I was given with this vehicle there is no AS IS sticker, nor was there one posted on the vehicle when I first looked at the vehicle. Yet I was told that the vehicle was a purchase AS IS, and there is no warranty, after i discovered damage to the vehicle. All together I spent XXXX out of pocket for a used vehicle in which throughout the nature of the loan I still owe XXXX. THIS IS NOT FAIR ... ...
Product: Debt collection

Citibank N.A. demands payment for my XXXX charges on an account I didnt open or XXXX told them this repeatedly. Now, XXXX XXXX XXXX XXXX has the debt and wont stop their relentless calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a pay pal credit card on my account saying Im an authorized user. Id like this removed from my account. I didnt sign anything or ask to be put on as an authorized user at any time with anyone.
Product: Checking or savings account

I was incarcerated from XX/XX/XXXX - XX/XX/XXXX and released on XX/XX/XXXX. Upon my release I went to my financial institution, Wells Fargo, to cash a check and make a withdrawal when I was informed that my checking account was empty, prior to my arrest my checking account had well over {$11000.00} in it. The bank teller printed me out copies of my statements and I informed her that this was fraud, I them made an appointment to speak with a banker to file a claim. After the claim was filed I waited for the outcome only to be told that the bank does not believe there was any fraudulent activity with my account. The bank did not ask for any prof nor did they inform me of how they investigated my claim. I have documentation to prove that I was incarcerated therefore there was no way that I could have made the transactions with my checking account. Im hoping that upon review of my documentation the bank will reconsider the outcome of the investigation and refund the funds that were fraudulently withdrawn from my account before I take the next step of legal action.
Product: Debt collection

This individuals placed an abstract of judgement on my property illegally. I never dealt with any of the two companies nor my name is XXXX. My name is XXXX and I never had any contact or business with them. Thank you,
Product: Credit reporting

i have had a debt that was suppose to come off of my report XXXX account was opened in XXXX of XXXX according to a previous credit report, it showed when it would be removed. the reporting agency also said during the most recent dispute they updated my information based on a previous investigation.. All I ever did with this account was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple hundred less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for another year and changed the dates for reported to XXXX which is clearly untrue by the documents i am providing. they also changed the date of status from XXXX to XXXX. once again I never made any payments to this account or updated any information other than to prove i did not owe. I currently have this debt taken off of my other credit reports because its legally passed the amount of time it can be reported on.I included that credit report to show when they started reporting and when they opened the account for collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent hard inquiries on my equifax credit report. Below are the fraudulent inquiries. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2024, my debit card info was stolen despite having the physical card on me. Unauthorized purchases were made to a company named XXXX XXXX, a sunglasses company. A total of {$3300.00} was taken out of my account. Contacted my bank Chase and made a claim. The money was credited from the bank but on XXXX XXXX, 2024, a total of {$790.00} was reversed from my account. Contacted the bank but they say merchant has evidence stating in which I participated in these transactions. I did not. My name and billing address were used, but the email and shipping address that are connected to these transactions do NOT belong to me whatsoever. Merchant themselves are hard to get in contact with so they wont help me either. Please help me get my money back.
Product: Student loan

To whom it may concern, My federal student loans ( sub and unsub ) were serviced by Navient for years... dating back to 2016 ( emails that far back )... I was continually prompted and encouraged to put my loans in forbearance as I looked for options to repay... I now how {$100000.00} and my original loans totaled approximately {$45000.00} ... more than half of my balance is interest! I can not get any information to as if I am due any relief ... can you please help me? Thank you in advance!! 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My checking account deposit account checks and debit card were stolen money was taken and they refuse to file a claim and give me back my money this is not fair
Product: Debt collection

To whom it may concern, My wife and I have just recently received calls from both her parents and mine in regards to a debt we have with best buy which is with Citibank , N.A . After speaking to my father whom stated he advised the representative he was not Me that they were calling my father. They disclosed to him my balance the last time I made a payment. My father then told all my family members and it has affected my wife 's business. I would love for them them to clear this up but unfortunetly the damage is done. Not only are they affecting the way we make income but they placed us in an unbearable situation with the family.
Product: Debt collection

Since XX/XX/2024 Westlake and Westlake Portforlio has called me every day and sometimes several a day except Sunday 's. I have all the call logs saved. I answered a few times to ask them to stop calling me. They will call me at exactly XXXX every morning and it's becoming a problem. Waking not only me up, but waking my baby up as well. Then calling 2-3 times a day. I'm constantly having to block new numbers they're calling from. They also send so many emails! I feel like I'm going crazy! In just the last 7 days they've called me 15 times!!!
Product: Credit reporting or other personal consumer reports

I recently obtained copies of my consumer reports from the credit reporting agencies ( XXXX, Trans Union, and XXXX ) to discover that your company 's information continues to be reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). As previously communicated in past notices, I have raised concerns about one or more potential violations in the past, emphasizing the importance of complying with consumer rights and FCRA regulations. Specifically, I am referring to the closed accounts associated with the following : 1. XXXX XXXX Credit Card Account # XXXX 2. ) 1. ) XXXX XXXX XXXX XXXX : LOAN # XXXX, ACCOUNT # XXXX. 

Upon reviewing my credit reports, I have noticed that XXXX XXXX XXXX is reporting my experiences with your company in a manner that raises significant concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). The specific matter of concern pertains to the categorization of my line of credit with your company as " utilization '' and the categorization of my payment history / status with your company as transactions, on my consumer reports. It is my firm belief, supported by the relevant legal provisions, that your company is unlawfully reporting this information on my consumer reports. I would like to draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which states : " 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The law is unequivocal in its statement that information pertaining to transactions or experiences between the consumer ( myself ) and the person ( XXXX XXXX XXXX ), making the report, should not be included on consumer credit reports. Utilization is inherently an experience with the line of credit extended between the consumer ( myself ) and your company,, which qualifies it as an experience that should not be reported on my consumer credit reports. Payment history or status is inherently transactions, between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) which qualifies it as information that should not be reported on my consumer credit reports! By reporting this transaction on all of my consumer reports, XXXX XXXX XXXX appears to be in clear violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus have not responded to my dispute letter within 30 days for the inaccuracies on my report
Product: Debt collection

The Federal government issued a halt on all federal student loans collections until further notice due to the corona pandemic. The federal government sent a letter to my employer XXXX XXXX XXXX to cease preforming a bi-weekly 17 % collections of wage payments to the collection agency Professional Bureau of Collections of Maryland until further notice. 
My loan is not in default if it is placed on hold by the government due the countries pandemic. and Professional Bureau of Collections of Maryland Inc should not have reported to XXXX  credit agency that I was {$4800.00} in default. When it was professional bureau of collection that stop taking the money. Now this agency has cause sever damage to my credit rating.
Product: Mortgage

On XX/XX/2015 I applied for a mortgage with USAA. Due to my income to loan ratio, I was told that I would have to receive approval from their underwriting department, which could take up to 3 business days.  I asked if there was any way to expedite the process because the sellers would like a Good Faith Estimate (GFE) as a guarantee of creditworthiness, and the mortgage representative said there was no way to make the process go faster.

On XX/XX/2015 I was called by a USAA Mortgage Representative stating that their underwriting department was wondering if there were more assets that I have available, to which I gave them my XXXX information. I was then told it could be up to another 3 days for a decision.  Again I told the representative of my situation and that I had already waited 2 days, to which I didn't think I should have to restart a 3 day wait again.  He again reiterated there was no way to make the process go faster.

On XX/XX/2015 I was notified of my loan approval. I asked to lock in a 3.625% rate program on a 30-year conventional loan, which she said she did.  I was informed they would be sending out my loan paperwork and GFE via XXXX.  I asked the representative to make that GFE available electronically so that I could send it to the sellers of the house I was trying to purchase.  The representative told me she would make the information available via USAA's electronic documents system.

On XX/XX/2015, the documents were still unavailable on USAA's electronic document system, however they arrived via XXXX and incorrectly showed a 3.25% interest rate with over $13,000 in origination and discount fees that I had never asked for, nor agreed to.  At approximately XXXX Arizona time, I called USAA to ask what was going on.  A mortgage representative verified that I had locked in a 3.625% rate and that new documents would be sent to me by XX/XX/2015. I informed her that I needed a GFE to give to the sellers and this was already taking 4 days longer than it should have. I asked her to either send the documents electronically or via fax.  She state that contrary to what was told to me the previous day, mortgage documents cannot be sent electronically, and that the department that sends our faxes had already gone home so they could not accommodate my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Mortgage

Specialized Loan Servicing did not issue a Deed of Reconveyance or Lien release for a HELOC that was forgiven/cancelled on XX/XX/XXXX. On XX/XX/XXXX I contacted Specialized Loan Servicing to provide a payoff request or deed of reconveyance for the cancelled HELOC, however, as of XX/XX/XXXX I haven't received any of the documents requested. The only communication I received was a letter from Specialized Loan Servicing on XX/XX/XXXX stating that the Lien release is in the process and " the copy of the lien release will be sent to you under a separate cover ''. I have been calling ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to get a status of the lien release. The company is not willing to give me a timeline on when I will receive the lien release.