23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

on the XXXX of XXXX i got a call from a real estate investor wanting to buy my property, he said my house was scheduled to sell on the XXXX of the same month. the next day i contacted the mortgage company and they said they sent me a letter which I still have not received, they said they posted the documents on my from door, but nothing was attached to the front door. and I have XXXX ' tall gates .nobody can even get to my front door unless i allow them to.. I never got served nor did i get a certified letter nothing.. They won't modify my loan, so I applied for mortgage relief via government website and they are in the process of modifying the loan and the mortgage company told me twice that they won't postpone the sale date. I called the attorney and submitted a request to postpone, so i did explain the whole situation and submitted proof of my application with ca mortgage relief .org and the lawyer stated that they forwarded the email to the lender " for review ''. the lender says the attorney can postpone the sale, but then the attorney forwarded it to the lender as if they make the decision. I have $ XXXX plus of equity on this huge property and I feel as though the lender is wanting to be the owner of this property..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

My account was sent to a collection agency. There are XXXX accounts total that were sent to Americollect. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX These accounts are showing up on my credit report. I have filed a dispute with them and asked them to take it off. And they refuse. As it violates my XXXX rights. 

Thanks for your time
Product: Checking or savings account

I am a small business owner who qualified for the sba eidl loan. I received the loan last year with no problem in my personal account but I recently received the grant money and now there is a freeze on my account. I have submitted all the proper paperwork but my account is still frozen. This is the account that I get direct deposits from my job and pay bills out of. I don't understand why it's still frozen if I have completed all the necessary channels to provide proof that I qualify for the money. Plus it's grant money not the loan!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 an account by the name " XXXX '' appeared on my credit report as a tradeline. On XX/XX/2020 this account was disputed with the creditor and data furnisher. Experian required a copy of my drivers license and FTC complaint before they could " block '' the tradeline from reporting. As of XX/XX/2020 I have submitted the requested documentation via experian upload documents portal online. Please reference this complaint to further explain the dispute process and results as I am affected financially by covid 19 and any unnecessary delay before my credit report is adjusted to reflect as accurate could negatively impact my household.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Name 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 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 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 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 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: Credit reporting or other personal consumer reports

I am writing to formally file a complaint concerning a recent data breach that has adversely affected my financial accounts and led to delayed payments. Due to this breach, unauthorized parties gained access to my personal information, which disrupted my ability to manage my accounts and hindered my ability to make timely payments. The data breach has not only compromised my personal and financial security but has also caused me significant inconvenience and stress. I am requesting immediate action to address these issues, as well as additional information on any measures being taken to secure my accounts and prevent further disruptions.
Product: Credit reporting or other personal consumer reports

Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixin this kind of stuff. Remove the late dates and negative status of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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 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. 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. XXXX XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :
Product: Debt collection

I was contacted by Wilber Group regarding a vehicle accident that occurred in XXXX. The person involved in the accident ( not me ) did not have permission to drive my vehicle. I had originally stored the vehicle with family in XXXX. The individual that involved in the accident took the vehicle without my permission and drove it to XXXX  where they wrecked it and caused property damage. 

Wilber Group has made repeated calls to me, threatening to forward information to my state and have my license suspended. After speaking with them several times and explaining I am not responsible for damage caused by someone that took my vehicle without permission, I still continue to receive phone calls from them. 

The last representative that called me said I was compelled by state and federal law to pay for the damages. After consulting a lawyer, Ive determined this is just a tactic used by them to try to get me to pay a debt Im not responsible for. The representative couldnt even tell me what law he was referring to. He also claimed my license would be suspended if I ignored their requests.
Product: Credit reporting or other personal consumer reports

EQUIFAX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Account Information Under FCRA Dear EQUIFAX, I am writing to dispute inaccurate information appearing in my credit report, which is under your responsibility to maintain with the maximum possible accuracy, as established in XXXX XXXX XXXX ( XXXX  ). 
The following account is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX. This account violates the following laws under the FCRA : 1. 15 U.S.C. 1681i : You are required to conduct a reasonable reinvestigation of disputes related to credit report inaccuracies.

2. 15 U.S.C. 1681s-2 : Furnishers of information are required to provide accurate and complete data to credit reporting agencies.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : Inaccurate or unverifiable information must be deleted promptly.

4. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of the information contained in consumer reports. 
The account in question is inaccurate because name of the original creditor is inaccurate '', the original creditor operates outside the United States ( in this case, XXXX ), legally can not be enforced or reported under U.S. Credit laws. " and the debt is legally invalid. 
I request that EQUIFAX : ( 1 ) Delete this account from my credit report immediately, as it violates the FCRA provisions outlined above. ( 2 ) Provide me with an updated copy of my credit report reflecting this change. ( 3 ) Inform me of the results of your reinvestigation within the legally mandated time frame.

Enclosed are copies of supporting documents ( e.g., my identification ) to assist in resolving this matter. Please treat this letter as a formal dispute. I expect your response within 30 days of receipt, as required by the FCRA. 
I appreciate your prompt attention to this matter. I look forward to your response. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

NO PROOF OF INVESTIGATION ON XX/XX/2024 TRANSUNION RESPONSE WAS VERIFIED FOR ACCOUNTS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES.

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT.

15usc 6801 Protection of Non- Public Information.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.

2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.

3. The financial institution giving me an explanation how to exercise the non-disclosure options.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.

AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.

THE ACDV AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION.

THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.

HOW WAS THE INVESTIGATION CONDUCTED?

PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.
Product: Credit reporting

I sent Equifax XXXX requests to place a Security Freeze on my file. The First request was sent on XXXX/XXXX/16, the Second on XXXX/XXXX/16 and the Third request on XXXX/XXXX/16. Each request was sent certified mail and included my complete name, complete address, Social Security number and date of birth. These request also included a copy of my Drivers License, XXXX, Proof of address and my Identity Theft Police report. I also sent the same request for my wife - with the same documents - and she was able to obtain the security freeze upon the first request.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of my credit report and the multiple, unsuccessful attempts to correct inaccurate information related to removal of the charge-offs accounts. It has come to my attention that despite repeated efforts, these issues persist on my credit report, adversely affecting my creditworthiness and financial standing. However, these removal have not been reflected, and the incorrect information remains, impacting my credit score negatively. I have noticed inaccuracies regarding charge-offs on my credit report. Despite providing documentation to support the resolution of these accounts, the charge-off status persists, and I have observed no improvement in the reporting. Furthermore, attempts to rectify inaccuracies regarding these accounts have been unsuccessful. The persistence of this misinformation is not only frustrating but also detrimental to my financial standing. I kindly request a thorough and immediate investigation into these matters. Additionally, I expect timely updates on the progress of the investigation, including any actions taken to correct the inaccuracies on my credit report. To aid in your investigation, I have attached supporting documentation. I am asking for your assistance to remove the charge off accounts in my credit file : XXXX  XXXX Balance : {$250.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

EQUIFAX Confirmation # XXXX ACCOUNT # XXXX DISPUTED account aslo was never in collections, please remove collections. 

The credit law that addresses the verification of accounts and requires documentation falls under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. This section of the FCRA deals with the procedures in case of disputed accuracy. Here are the key aspects of this law : Consumer 's Dispute : If a consumer disputes the accuracy of any information in their credit report, the consumer reporting agency ( CRA ) must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Verification of Information : During the reinvestigation, the CRA must review and consider all relevant information submitted by the consumer concerning the dispute. 

Documentation Requirement : The CRA must verify the accuracy of the information by checking with the original creditor or other reliable sources. This means the CRA may need to request documentation or other forms of evidence from the creditor that originally provided the information. 

Results of XXXX : If, after the reinvestigation, an item is found to be inaccurate or can not be verified, the CRA must promptly delete that information from the consumer 's credit file. 

I am writing to file a formal complaint regarding inaccuracies in my credit report, which I believe constitute a violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681, Sections 602 A and 604 A ( 2 ).

As stipulated in 15 U.S.C. 1681, Section 602 A, I have the right to privacy in the handling of my credit information. Additionally, under Section 604 A ( 2 ) of the same code, a consumer reporting agency is not permitted to furnish any account information without my explicit written instructions. 

Despite these legal protections, I have discovered unauthorized entries on my credit report, indicating a failure by the credit reporting agencies to adhere to these critical aspects of the FCRA. Specifically, these agencies have furnished information about accounts for which I have not given any written authorization, thus infringing on my right to privacy. 

I respectfully request the CFPB to investigate this matter, ensuring adherence to the stipulated legal provisions. I seek a resolution where the unverified and unauthorized information is removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX - partial account # XXXX XXXX please see page XXXX of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the XXXX bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, at approximately XXXX PM, I was the victim of a scam involving a fraudulent Cash App account with the username $ XXXX. The scam resulted in a financial loss of {$12000.00}. After realizing the transaction was fraudulent, I immediately requested a refund from the individual, but my request was declined. 

Subsequently, I contacted Cash Apps customer support team to report the incident and seek assistance with recovering my funds. Unfortunately, I was informed that a refund could not be processed, as Cash App does not have the ability to reverse transactions under these circumstances. 

In addition, I was advised by Cash App to send an additional payment of {$150.00} via the app in order to facilitate the recovery of my stolen funds. However, after complying with this request, the {$150.00} was also taken, and I did not receive any reimbursement for the initial {$12000.00}. 

I am requesting a thorough investigation into this matter and the recovery of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer, XXXX XXXX received a alert from XXXX XXXX on XX/XX/XXXX in regards to a closed account. XXXX XXXX closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by XXXX XXXX.
Product: Checking or savings account

WELLS FARGO OVER CHARGE OVERDRAFT FEES, NSF FEES, EXTRA LATE CREDIT CARD FEES, CLOSE ACCOUNT WHILE IN GOOD STANDING SAYS CHARGE OFF WHY? WELLS FARGO STUDENT LOANS LATE FEES
Product: Student loan

I have repeatedly called Navient private loan Lender about my very large debt and large student loan payments that I cant afford after my chapter XXXX bankruptcy ended in XX/XX/XXXX of 2018. I received a letter in XXXX demanding repayment. I called an set up a smaller repayment plan in XXXX but I am still getting late notices and they keep trying to charge me for late charges and what is left over after the payment plan which I have explained to Navient reps over five times since XXXX. I am struggling to pay the lower amount which I have been told will end on XXXX. I cant even pay on my federal loans at this time because of the private loan debt. The reps are always rude and not helpful at all. I struggle to try and get any help from this Navient and there is always the looming threat that they are going to charge me the back due amount, since they have my bank account information. They are still holding my account in past due status even though I fulfilled the three month payment obligation earlier this month. Even with a payment plan I get email notices demanding I pay over {$1000.00} in late charges and past due amounts.