23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I applied for auto refinancing through Bank of America to refinance a loan held by another lender. I applied for this loan online and was initially given a message saying they needed more information. I have a fraud alert on my file, so this is quite common and I am used to it. 

The following XXXX  I get a call from them but I missed it. I called back, and resolved the hold on my application by verifying my identity. Shortly after, I get an email and an automated call saying I am approved. The automated call connected me with an agent whom went over the APR, payment amount, and other terms of the loan with me. I was also sent an email with a link to start uploading the necessary documentation. About 25 minutes into the call, I was informed that they were unable to verify my identity and had to give me an adverse action notice. 

I was extremely confused because it was my understanding I had verified my identity. I had also already been given terms, and official approval documentation. 

I spoke with several other agents who informed me this was a final decision and I would have to reapply if I wanted to be considered. One agent informed me that this was due to the fact that I was not already a Bank of America client. However, this was false. I have a previous active auto loan account with them. 

They will not honor the official terms and approval I was given and told me I would have to reapply. This would put another unnecessary inquiry on my credit file and require me to go through the process again. With no guarantee the same thing wouldn't happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters in XXXX and XXXX regarding my disputes and now I have sent certified letters to each bureau XXXX XXXX, Experian and XXXX XXXX on XX/XX/2020 with the tracking numbers of XXXX, XXXX and XXXX requesting a reply and complaint. I also sent letters disputing my matter to XXXX  on XX/XX/2020 and XX/XX/2020 and haven't heard anything back.
Product: Debt collection

I don't recall having a contractual relationship with LVNV FUNDING LLC  Account Number XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX/Dept of Ed # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Following below on attachments - - My letter to the lawyer XXXX XXXX XXXX is using - XXXX XXXX Letter that found me in favor and that XXXX XXXX XXXX issued credits and agreed to keep it on.

- Email documentation of service not rendered and letter sent to XXXX XXXX XXXX dispute services.

- XXXX XXXX XXXX collection agency letter.
Product: Credit reporting or other personal consumer reports

My daughter is the primary person on the account and I am the co-signer. During COVID, my daughter lost her job, and had a hard time getting payments on time. XXXX agreed to make payment arrangements and in many cases, the account was in a payment arrangement but per XXXX, they are not structured to note that payments were being made. Instead, it is showing the accounts past due. Last year, I finally got my daughter to trade the car and the car was paid in full. To this day, it's still showing in my credit report, even after I have asked XXXX  to send the notification to the bureaus and this has been months, and still not resolve. I am trying my best to get my credit situated and I have disputed this matter many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies listed below refuses to remove these inquiries from my credit report and they have the same address as well : XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt does not belong to me and is showing on my credit pass 7 years. Equifax & XXXX is showing a XXXX XXXX inquiry on my credit and should be deleted and removed from my credit report. two accounts are affecting and hindering my credit and opportunities greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consumer and I am submitting this complaint without any other party or credit repair organization. I despite several request for Discover Bank for compliance to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) instructing Discover to cease furnishing and remove my nonpublic personal information associated with any account or inquiry from any and all consumer reporting agencies, to include XXXX, XXXX, XXXX. Discover has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. 
Enclosed is a letter dated XX/XX/2022 received by Discover refering to an inquiry instead of the disputed non-public personal information alleging to be the XXXXredit Consumer Financial Protection Bureau Management as deceptive and unfair practice in violation of 15 USC 1611 and the Fair Credit Reporting Act impersonating 15 USC 1692e ( 1 ) the Bureau.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - My loan officer and I contacted Portfolio Recov Assoc about a collection item from XX/XX/XXXX that is on my credit report for {$5700.00}. I have not had a XXXX XXXX Credit Card. They were unwilling to provide proof that I signed up for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax violates my right XXXX XXXX XXXX inaccurate information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, PAYMNT 1 Date of Inquiry XXXX XXXX, XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX XXXX XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX XXXX XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX  XXXX Total fraudulent amount : {$1300.00} XXXX XXXX  XXXX Total fraudulent amount : {$300.00} XXXX XXXX XXXX Total fraudulent amount : {$370.00} XXXX XXXX Total fraudulent amount : {$3800.00} XXXX XXXX  Total fraudulent amount : {$690.00} Attached is my FTC Police report, Driver license and social security to verify my claims and identity
Product: Mortgage

Someone buying my home used prime lending for their mortgage. The closing has been delayed multiple times costing me several thousands of dollars. Their reason for the delays - we dont have enough people and I dont have time. The contract was signed XX/XX/XXXX with a set closing of XX/XX/XXXX. A second closing was set for XX/XX/XXXX and the lending officer still has not sent the paperwork to the attorney. When my realtor called to inquire the lending office hung up on him. The unprofessionalism, lack of empathy, disregard for client impacts and overall rudeness has been staggering. I work in the financial services industry and have been shocked and appalled by his behavior.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : Collection/Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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

I applied for an auto policy from XXXX, an insurance carrier, and XXXX suggestet that a credit file was obtained from TransUnion. I have requested a copy of the information on file at TransUnion, but TransUnion has not provided such.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to XXXX, causing problems at my job & creating XXXX XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Incorrect satisfaction of mortgage was recorded at the XXXX XXXX XXXX office. The tax map designation on the lot was incorrect on the satisfaction. This was discovered during a title search of the property as we are selling. I contacted Bank of America by telephone on XX/XX/2020 at XXXX and after 2 hours was routed to " XXXX ''. I was told that a corrected satisfaction would be provided. The subsequent paperwork sent over was not for our property. I was however provided with the direct phone number of the supervisor " XXXX '' at XXXX. XXXX Calls were placed and voice mails left - none were returned. I called again on XX/XX/XXXX and was told to just " send an email and/or fax to the Lein Release department at XXXX. Letter was also faxed to XXXX. An automated response was received on XX/XX/2020 saying that a response would follow within 2 weeks. Nothing received to date.
Product: Debt collection

This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 

Case law has affirmed my rights to request the cessation of debt collection communications. In XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces the consumers right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. 

Please be advised that failure to comply with this notice may result in further legal action. This could include filling complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 

Thanks you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.
Product: Debt collection

Wrote letters and no response. I have attached that letters I wrote requesting the necessary specific documentation regarding this account
Product: Debt collection

I found an " Original Creditor '' called IC Systems on my credit report saying I owe {$650.00}. I have not done business with this creditor and in the past, my addresses and some accounts have been reported to my old maiden name which never belonged to me. This might be another one of those situations. I don't see any sort of account numbers either.
Product: Credit card

I had a payment due in the amount of {$720.00} by the special terms date of XXXX XXXX, XXXX in order to avoid a deferred interest charge. A payment of {$250.00} was made by XXXX XXXX, XXXX. A second payment in the amount of {$470.00} was made on XXXX XXXX, XXXX and was effective as of XXXX/XXXX/XXXX. I have a confirmation that the second payment went through no later than XXXX XXXX. 
It seems that Wells Fargo did not apply the payment to my account until XXXX XXXX ( causing me to accrue interest charges ). Please note since I made my payments by the appropriate time, I am not subject to this interest charge. 
I have spoken to the folks with Wells Fargo numerous times and was told to always send support. I sent the support a number of times and finally spoke to XXXX around XXXX XXXX, XXXX. I forwarded the support again and she explained that she will review, close the account and remove the past due from my credit report. 
I ran my credit report last week and noticed that this has not been removed. I called the department and spoke with XXXX who explained that this information is not in the file. I sent the documentation again for review to finally resolve the issue. I would love for this to be removed from my credit report as I made my payment in a timely manner.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I received 20 hard inquiries that I did not authorize. The companies below are reporting to my credit fraudulently. I was abroad during this timeframe and did not apply for auto loans. Please delete all inquiries from the companies listed with corresponding dates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. POSTAL SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. POSTAL SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S . POSTAL SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX has my credit report as derogatory, yet the car was paid off, the last XXXX, via chapter XXXX and I then paid the last XXXX in XXXX bulk payment. Should the report state paid in full. It looks as if it was not paid off by me. Thank you
Product: Credit reporting or other personal consumer reports

I disputed the information on my credit and received a credit report informing me that the incorrect information listed on my credit report was corrected and deleted along with the inquiries. My information was compromised by XXXXXXXX XXXX XXXX information leak. I have been fighting strenuously to get the information corrected while battling stage XXXX XXXX. I DO NOT NEED THE EXTRA STRESS! After I was notified by Transunion that the information was deleted, my credit score DECREASED substantially!!! They deleted XXXX major items on my credit along with a lot of inquires and it went down almost XXXX points. It's not making sense!! My credit score should've definitely increased!!!
Product: Debt collection

Synchrony bank along with quiet a few others, XXXX XXXX included, have been notified to send all mailings and calls to XXXX XXXX XXXX  as we had enrolled in the program. They still sent Certified mail to our old residence and are still calling our numbers after being given the numbers to XXXX XXXX XXXX
Product: Mortgage

We were about to sign for our TCF Bank HELOC when we received this email message : " TCF Bank has made the decision to prioritize all purchase and refinance transactions that are currently in the banks pipeline at this time. When capacity allows, TCF Bank will change focus on closing your HELOC transaction. We understand that may delay projects you had planned, but we are fully committed to continue on working your application for you as soon as possible based on our capacity. '' My loan was in the pipeline long before other loans that are being prioritized above my loan. They are now telling me that our loan will not close until sometime in XXXX. I believe this to be an UNETHICAL practice and would like to be advised as my best course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

I have a credit card for Sears ( SearsCard.com ) -- the contract states that they can change the conditions of this card. I received an unsolicited letter, attached, which states in the second paragraph that the Sears store card will be upgraded to a Mastercard unless I decline the offer. I believe that it is illegal to issue an unsolicited credit card unless you decline the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax several times including today to delete information about a fraudulent lease and credit card charges. I have sent in proof. They take the information off now it has popped back up on my report. I am closing on a house Friday, XX/XX/2023 and need this off. I have never lived in XXXX only visited.