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

i XXXX XXXX, natural person, i am disputing on my own with the help of no one In accordance with the Fair Credit Reporting act. The List of inquires 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 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: Debt collection

Dear CFPB-I was served court documents by the above named Law Firm dated XXXX XXXX 2015. After following through filing and answering back to this Law Firm with proper legal documents. We have received more legal/letter documents dated XXXX XXXX. 2015, upon reading and reviewing all the documents, the Law Firm has erroneously and falsely indicated in these forms that I had acknowledge having legal counsel concerning my rights and stipulation concerning these forms. Also from previous phone conversations on XXXX XXXX. 2015, we had requested XXXX ( Law Firm Representative ) to please contact XXXX that we are willing to settle the debt for half the amount if possible. We feel that she never attempted to contacted the Bank, other then admitting that the debt was reviewed and that our request is denied. I also feel that my rights as a consumer are being violated by this Law Firm forcefully wanting me sign their forms/documents. Please advise me of proper legal proceeding with this Law Firm. Thank you kindly for your assistance. 

Respectfully-XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a pay day loan XX/XX/2016 and I had surgery XX/XX/16 & XX/XX/16 which I became XXXX. I had every ententes to repay this loan but I became XXXX  with my XXXX  kids for almost 2 years. Now this company is harassing me, threatening to sue me, threatening to come to my home, threatening to come to my job, and continues to harass me on my cell while Im at work. I explained that I was willing to pay my original loan off but they want to charge me over {$700.00} or threaten to sue me. These harassment calls need to stop. This is a party acting on behalf of ACE CASH EXPRESS! They called me from XXXX and XXXX.
Product: Mortgage

My father passed away XX/XX/XXXX. He has a VA loan with deed of trust and promisary note and a mortgage payment. He left no will and i am the only heir. first missed payment XXXX XXXX until now did i know the aftermath of loosing my father and trying to understand the loan agreement and probate and who assumes debt, ect.. i sent freedom mortgage a copy of my fathers death cert and informed them and then i kinda just stopped getting the mail and answering phone calls after i bured my dad. its at my negligence for letting the mortgage get 9 plus months behind but i signed into the mortgag comp online account thing and filed for a hardship covid 19 forbearanse plan..caouple weeks went by and nothing so i call custmer rep of company and pulls up info and she says the accouint has been closed so she cant view anythong on anythoing then .I was served Summons papers from Freedom Mortgage corp, they filed a complaint againt the estate of my father the unknown heir and devees and the occupants of the property as well as the state which here i live in. and one other finance company..one of the other occuiopants of the property diled a reply to the summoins for extension. i recieved my last mortgage statement and it informs me that i do not have to make any paymsents until XX/XX/XXXX and renftatement is $ XXXXsomething ... .company did a summons by publication first date of publiction XX/XX/XXXX for the forclourser of the property the statement in which i recieved and it informinf me of the covid19 forbearance approval was XX/XX/XXXX dual tracking is what i suspect the summons papers demanded the entire principal balance of XXXX ..violationg my RESPA rights thank you for your time..
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I sent email to cashnetusa stating that I was revoking ACH permission to them because I could not afford to pay my bill at this time. The company sent an email back stating that they received my ACH permission denial email and that no more electronic withdrawals would be from my account. On Friday XX/XX/XXXX they withdrew XXXX from my checking account. I want money credited back to my account, stat.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Reporting Account # XXXX I am writing to formally request the removal of the mortgage account listed under XXXXXXXX XXXX XXXXXXXX from my credit report. Despite multiple disputes submitted to address inaccuracies in the reporting, I have received no resolution or adequate documentation to support the claims being made about this account. Instead, the account continues to be updated inaccurately without proof, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

The specific inaccuracies I have identified include : 1. **Payment Status : ** - XXXX XXXX Experian, and XXXX report the account as **60 days past due**, which is false as I have consistently made payments on time. 
2. **Payment History : ** - There are inconsistencies in the " OK '' status reflected in the history versus the claim of delinquency. 
3. **Balance and Past Due Amount : ** - The reported balance of {$440000.00} and a past-due amount of {$8500.00} are unsupported by any valid documentation. 

I have disputed this account several times and provided all necessary documentation to prove its inaccuracies, yet there has been no valid response from XXXX XXXX XXXXXXXX or the credit bureaus. Furthermore, the continued updates to this account without evidence or resolution show a failure to conduct a proper reinvestigation as required under **15 U.S.C. 1681i**. 

I am requesting the following actions be taken immediately : 1. Remove the account from all three credit bureau reports ( XXXX, Experian, and XXXX ) due to failure to validate its accuracy. 
2. Provide detailed documentation, including payment records and verification from XXXX XXXX XXXXXXXX, to support the claims being made, if you believe the reporting is accurate. 

Failure to respond within 30 days will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies for non-compliance with the FCRA. 

I expect a prompt resolution and request all correspondence and documentation be sent to me at the address listed above. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE EQUIFAX : 1 ] THEY DO NOT ANSWER THEIR PHONES.
2 ] THE ONLINE SECURITY FREEZE IS " UNAVAILABLE '' 3 ] THE ONLINE 90 FRAUD ALERT IS " UNAVAILABLE ''.
4 ] NOBODY IS HOME, AND MEANWHILE WE ARE ALL AT HUGE RISK THESE CREDIT COMPANIES COMPANIES ARE PROFITEERING FROM OUR MOST PERSONAL AND PRIVATE INFORMATION. WE, AS CITIZENS, HAVE NEVER GIVEN THEM PERMISSION TO DO SO! 

THIS IS THE ONLY COUNTRY IN THE WESTERN WORLD USING THIS PRECARIOUS SYSTEM. XXXX ONLY USES ONE 'S  PERSONAL CREDIT CARD AND BANKING INFORMATION - NOT FOR SALE, NOT FOR GENERAL PUBLICATION, NOTHING TO HACK INTO. 

THIS SYSTEM MUST BE DONE AWAY WITH, AND THESE PEOPLE PUT AWAY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed
Product: Consumer Loan

Bought a lawnmower from Lowe 's zero interest for 6 months, received first bill and noticed it was to be sent to Lowe's/Synchrony bank in XXXX, FL so sent payment right away received second bill and sent it right away did not receive third bill and did not notice until I received a bill the next month and a {$25.00} service charge had been added did not receive a bill the next month which was XXXX but did get call XXXX XXXX from Synchrony ( a foreign person who was very hard for me to understand ) saying I was in arrears again and would be assessed another {$25.00} if I did not pay by credit card or at the local store that day or the next so told her I would. I did pay at the local Lowe 's the complete loan as can not afford to pay a {$25.00} service fee each month. Then I went online especially XXXX and found XXXX ratings on there with a XXXX star rating and most with same problem I have had with them. I think this company ( Synchrony ) of XXXX, FL needs to be looked into.
Product: Checking or savings account

I bank with USAA and when sending XXXX transactions, I wasn't aware that the users didnt either have a XXXX account or its the wrong XXXX account before funds were released some type of notification should been provided before the transaction was completed.
Product: Credit card

Recently, Citibank began advertising its revamped Citi XXXX XXXX card, which promises XXXX bonus ThankYou points upon completion of {$4000.00} worth of spending within XXXX months. 

I was approved for the card immediately upon applying, on XX/XX/year>. Citi claims to have mailed the card out on XX/XX/XXXX. 

Unfortunately, ongoing delivery delaysI still havent received the card, as of XX/XX/XXXX, XXXXand other consumer-unfriendly business practices make me doubtful whether I will ever be able to receive this bonus, even though I opened the account with the intent of completing the required spending. 

A representative I spoke with via the app told me that I could request an expedited replacement starting the next day ( XX/XX/XXXX ). I decided to give it the weekend to account for XXXX XXXX ( the previous weekend ) but as of Monday, the card hadnt came. So I contacted Citi again. 

This time, I spoke with a rep who informed me shed need to close my account. This didnt sound right, so I called in. After waiting on hold and being transferred several times, I spoke with a pair of supervisors, both of whom told me that actually, the card couldnt be expedited, for XXXX XXXX reasons. 

The first supervisor, XXXX, was extremely dismissive of me, which is why I requested to be escalated to XXXX. XXXX, who was much friendlier, told me I should continue waiting for the original card, since the replacement would take an additional XXXX weeks to arrive. Unfortunately, though he promised to call me back that Friday, XX/XX/XXXX to process the replacement, this never happened. 

Instead, I had to call back in and spend almost an hour navigating through the automated system ( and dealing with unhelpful offshore call center staff, who were clearly just reading from scripts ). 

Though they did at least submit the request for a new card to be mailed, I have yet to receive it. At this point, almost a month has passed since I was approved for the card ; I only have XXXX remaining months of the promised XXXX to complete the required bonus spending. And thats if I receive my card soon! XXXX starting to doubt I ever will. 

Moreover, Citi has decided to lock me out of my online account access until I verify receipt of this cardthe card which, almost a month later, I have never received. This means I can not monitor spending on my other Citi card, or pay my bill when the time comes, potentially endangering my credit rating. 

Although I have concurrently been in touch with Citis so-called Executive Office , they have not been any help. Theyve spoken with me about what happened, but have not taken steps to ensure I get my card, nor to address my concerns about not receiving my promised bonus due to their own delivery days. 

Citi is engaging in consumer-unfriendly ( and arguably deceptive ) business practices, and this needs to change. Had I know to expect this kind of tomfoolery, I never wouldve applied for the card in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to XXXX, XXXX, and Experian. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the  inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.
Product: Checking or savings account

Back in the end of XXXX this year i was on social media & I got a message from a XXXX XXXX on XXXX & it said get paid {$1500.00} a week Just for keeping me happy, so therefore I went along with it she wanted my bank account information so I gave out the detail for it, she also wanted some money back which I didnt know why I be receiving information about my transaction saying Stop Payment I think since this morning my bank account had been frozen since this I was receiving fake checks but I still have the photos
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union keeps saying i have address at XXXX XXXX XXXX XXXX XXXX az never been there or lived there
Product: Vehicle loan or lease

I purchased a vehicle ( XXXX XXXX XXXX XXXX - White ) from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX ) on XX/XX/XXXX. 

I noticed that a couple of weeks had passed, and that my original loan from my trade-in, had not been paid off. I made several attempts to contact the dealer, to inquire about the loan pay off. Every time I called, I was either placed on hold, with nobody returning to the phone, or was told that someone would contact me. Each time, no response. I eventually reached out to my sales rep, who said he spoke to someone in Accounting, and that the check had already been mailed. He even assured me that it would reach my lender by XX/XX/XXXX. I even gave it a couple of days, and on XX/XX/XXXX had checked with the lender to see if the check had arrived. They explained to me that they had not received the check for this loan pay off. I was finally able to reach someone in Accounting on XX/XX/XXXX, who told me that they had, in fact, had not mailed the check. 

I have purchased several vehicles and have never experienced a loan pay off as slow as this one. I have even had to make an additional payment on the prior loan, so I could avoid late fees and a negative hit to my credit. It's not so much the fact that it has taken so long, but the simple fact that I have been lied to repeated times about the situation. I'm genuinely concerned that this dealer will not pay off my pre-existing loan, even though they have contractually agreed to do so. 

It's now XX/XX/XXXX and there are no signs of things loan being paid off.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my accounts or else I will file the litigation to get deletions. 

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, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents including my FTC Report to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have requested multiple times to remove inquiries from my credit report that I did not authorize. EQUIFAX HAS failed to remove these inquiries I have sent them my drivers license and social security and Identity theft report not too long ago and yet they never removed the inquiries. Both XXXX and XXXX  have removed the inquiries but Equifax fails to do their job and remove them. I am demanding all credit inquiries be removed. I explained to them that my credit was breached but they do not care. Please remove these inquiries immediately thank you. This is a crime against my rights by law for Equifax to continue to provide my credit information without my consent.
Product: Credit reporting or other personal consumer reports

To whom I might concern, I need help I seened my credit report XXXX XXXX AND EQUIFAX and called them because I have found inquiries that are not mine and I have asked them to erase it of my credit report I also contacted each company and ask them to erase an inquiry that is not mine and is done fraudulently. Please remove fraud inquiries of my credit report. The inquiries are 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. Also credit berau have incorrect information in an account that is paid off and I have the proof of it and I need it to be clear and paid off on time as I did paid off on time.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name. I am requesting that all accounts identified below be blocked and deleted from my credit report, as they are not authorized by me and have resulted from unauthorized access to my personal information. 
Accounts to be Blocked and Deleted XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$XXXX} In addition, I request that any inquiries related to the fraudulent activity also be removed from my credit file. Below are the inquiries linked to the fraudulent accounts : Fraudulent Inquiries XXXX. XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello. On XX/XX/2024 : Transunion reported a collection debt from XXXX XXXX onto my credit file that does not belong to me. Also, I filed a identitytheft.gov report on the said collection company & has disputed this false reporting 3 different times with Transunion. I was told that collection was valid. This is not my collection & I Have no knowledge of this acct. Identity theft report number is XXXX. I am still currently awaiting my 4th dispute with Transunion false report from this creditor. This inaccuracy has cause my credit score to decrease over XXXX points.