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

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,
Product: Mortgage

Nationstar Mortgage is habitual in sending escrow overage checks and then raising the monthly payment amount to " cover escrow shortages '' in the same week. They have also paid for ( out of escrow which did n't have enough funds ) for coverages that were already paid for by the loan holder ( and Nationstar was TOLD that the coverages were PAID BY THE LOAN HOLDER and no payment was necessary. Yet, Nationstar created an escrow shortage and DOUBLE PAID the coverages. I have been trying to work this company on straightening out this situation since XXXX, 2015. I do n't believe that NATIONSTAR listens or provides ethical practices when it comes to dealing with their customers. What steps can I take. I am on a fixed income and can not refinance to " get out from under them. ".
Product: Checking or savings account

Ive had a bank account at this bank for 3 almost four years. They converted my act to another bank. Then charged me overdraft fees after refunds took longer than usual to be credited due to the conversion. Then refunded the fees and turned off the debit card so I couldnt deposit funds to make the -10 dollars positive again. 
I just want to close this account. I do not like first horizon and the way they handle their customers
Product: Credit reporting or other personal consumer reports

XXXX HAS REPORTED US BANK CLOSED MY ACCOUNT UNDER DEROGTORY CIRCUMSTANCES & I CAN NOT OPEN AN ACCOUNT WITH ANY BANK NOW NOR XXXX  US BANK HAVE THE RIGHT TO CLOSE MY ACCOUNTS DUE TO THE INFORMATION PROVIDED WAS INCOMPLETE, IE IDENTIFY THEFT & FRUAD.I SUBMITTED THE AFFIDAVIT TO XXXX WITH THE INFORMATION REQUSTED.
Product: Debt collection

I'm contacting you regarding a critical issue with my credit report. I've noticed a collection entry from your agency that I wasn't previously aware of. I have significant concerns about the validity of this claimed debt. Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. Please provide the necessary validation and take steps to resolve this matter.
Product: Credit reporting, credit repair services, 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. 


Account name XXXX XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX  has violated my rights. Or list of inquiries 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

On XX/XX/year>, Fair Collections and Outsourcing INC. placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXXXXXX XXXX and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Product: Vehicle loan or lease

I contacted XXXX XXXX on XXXX XX/XX/XXXX because my auto loan that I took out back in XXXX for {$14000.00} and today my loan is {$12000.00}. I told them im a military vet how is XXXX and now on a fixed income and can no longer afford the car as well as I believe fraud is going on due to my balance not going down. Every time I call I get hung on or get told they can help me but I have to wait 2 day for approval then say they don't know what im talking about. Everyone is rude and no one want to help. This company is a scam and they do not help people, all they care about is money. I am one the phone now and now the call is silent and I wasn't put on hold. This is crazy, and now being told I have to file bankruptcy and then at that point I can call about a settlement, which don't make sense at all.
Product: Debt collection

The account is a collections account reported on XXXX and XXXX from XXXX in the amount of {$770.00}. 

I was laid off from my job because of Covid-19, which was around XXXX of XXXX. 
Considering, I have lost my Health benefits as well. I had to apply for health coverage from the state.

My Health policy with Health First was not effective until XX/XX/XXXX of XXXX, but however, I was told by a Rep from Health First, that I was able to use my coverage before hand and everything will be fine. 

So, I used my coverage on XX/XX/2020 because I was exposed to Covid-19 and it was an urgency that I go get checked for myself and family. 

The Clinic took my coverage and assured me that everything was good to go. It has been over 2 years and I'm just now receiving letters in the mail, starting a month or so back, stating this amount. The letter never stated that my coverage did not cover that visit. Also, was unaware considering that me and my father have the same exact name. I haven't received any notice stating that it was not covered at all around the time went to be tested for Covid-19, etc ... and it has been over 2 years..

Now its being reported on my credit report as an collections account and I would like for this to be removed from my credit report immediately due to Covid-19, false information given to me and lack of communication regarding this matter. Don't think I was treated properly in this matter.

I was completely unaware that I was not able to use my coverage before the effectiveness of my policy and was told I could by a rep.
Product: Debt collection

Wells Fargo Bank NA has a debt listed on my XXXX, XXXX XXXX XXXX XXXX XXXX that was discharged in a XXXX XXXX XXXX on XX/XX/XXXX and they are still reporting me as being late despite the fact that they also did a charge off as well before the XXXXXXXX XXXX XXXX. A company can not do a charge off which means they are taking the item as a loss and then still report me as being late. This company has reported me as being late 30/60/90 days. 

I also received a settlement from Wells Fargo Bank NA last year for accounts that were opened fraudulently in my name this being one of those accounts. This is illegal by all accounts, and I have been disputing this for years. 

The other issue is that this account also needs to be deleted from all 3 of my credit reports because it surpasses the 7-year timeframe as this item has been on my credit reports for 7 years and 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a letter indicating that I did not have a foreclosure on XX/XX/XXXX to Experian, XX/XX/XXXX andXX/XX/XXXX certified mail. Also, I requested a copy of the allege records for my review. Neither Credit Bureau has submitted those mortgage documents for my review to date which is my legal right under the law. Accordingly, I am demanding for the XXXXXX/XX/XXXXHome Mortgage entry to be deleted off my credit profile due to the Credit Bureaus non-compliance of the law of supplying me the mortgage documents showing a foreclosure.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Equifax, XXXX and XXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/ and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified. 

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. This amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX Amount : {$220.00} I am disputing this claim because I have NO knowledge of this account. It is FRAUDULENT and I am requesting that it be removed IMMEDIATELY! This is my official request to have the aforementioned item to be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of business inquiries on my credit report. i have no knowledge of these inquiries. I have sent in letters to the bureau, asking them to remove these items. At this point and time no actions have been taking. These items are affecting my credit profile and are stopping me from being able to obtain things. can you please resolve this issue for me and in a timely matter? These items were put on my credit report from XXXX of XXXX of XXXX!! 



Thank You!!!
Product: Credit reporting

Equifax refuses to send me my credit report unless I provide them with a copy of my driver license. The other credit reporting agencies have made no such requirement. XXXX have sent me my credit report when I was refused credit and both sent me my credit report when I requested a free copy. Equifax quotes my old apartment number. I told them I changed apartments and they refuse to send my report unless I send them a copy of my drivers license. It is my understanding that everyone does not have to send the credit reporting agencies a copy of their drivers license whenever they move. I am beginning to feel Equifax is discriminating against me because I cancelled their for-pay service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to ignore a consumers ' request for the removal of unauthorized inquiries completely from my Credit report without providing proof of verification! These inquiries are unauthorized and were made due to identity theft. I have never authorized anyone to inquire something on my behalf and by continuing to report these inquiries without proper verification is a clear violation of a consumer 's rights under the FCRA. I am submitting this complaint to request the removal of these inquiries completely from my credit file : XXXX. XXXX XXXXXXXX XXXX  XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX BANK XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : 1. XXXX  Delete this Inquiry for fraudulent reporting becuase Permissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA this doesnt and needs to be removed. The Inquiry was reported on XXXX 2. XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Enclosed are copies of ID and proof of mailing address. 
Thank you for your time, XXXX XXXX Enclosures
Product: Credit reporting or other personal consumer reports

I have been experiencing frausulent reporting XXXX  my credit report from a few different credit card companies that i have no knowledge about.
Product: Mortgage

I did an assumption two years ago to take my ex husband off of the mortgage. Last year, my tax statements went to his new address. I called them and had it fixed. I just paid the mortgage off and was checking to see if my escrow payment was coming to me yet. I noticed they just changed my address to his new address. I know he just bought a house. Why does my accounts keep on being changed to his address? I dont understand because he longer had anything to do with that mortgage or with me. I do not want my tax statements going to him. I believe my escrow is coming to me because it was mailed before the address changed. There also might be an overpayment but I am not sure. I dont want that going to him either. 

How does this bank not have controls in place to avoid people changing addresses that are not on the account? This is how fraud happens and also people have privacy concerns too.
Product: Checking or savings account

Lost money through XXXX and Wells Fargo checking account XX/XX/year> scammed by someone acting as a Bank representative for {$500.00}. and {$170.00} Wells Fargo denied a refund twice. I see it as their problem because they promote XXXX money transfers as nd it came out of my checking account.i called again yesterday as they hadn't sent me the response on 2nd case, that's how I found out and why I need your help please. I'm a woman at XXXX now and can't work as much, clean a house now and then count on my XXXX  and very small pension under {$400.00}. Mo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm dealing with fault out from the Equifax breach. I 'm doing the steps suggested to protect my finances and identity. One of those steps suggests that you freeze your credit reports. Seeing as Equifax is the sole reason I am freezing my reports, they should be held responsible for those fees. Especially considering in order to pay for a freeze, I would have to give them a credit card number which they have n't proven to be responsible with.
I also do not want to sign up for their credit monitoring service ( specifically for the breach ) because there have been reports that that is not actually free and you sign away your rights to legal suits down the road.
I
Product: Credit reporting, credit repair services, or other personal consumer reports

According to fair credit act reporting act. The list accounts below has violation my federally protection consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX. 

15 USC 168/c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer of the following other than records of conviction of crimes. Which antendates report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) should not furnish any information relating to consumer to any consumer reporting agency if this person knows or have reasonable causes to believe the information is incorrect.

15 USC 1681 section 604 A Consumer can not furnish account without writting structions.

15 U.S.C section 602 A. states I have rights to privacy
Product: Credit reporting or other personal consumer reports

Request to Block and Delete Accounts Under 15 USC 1681c-2 ( a ) After carefully reviewing my credit report, i noticed an account that i believe is incorrect and should be removed. I am also formally notify you that I have been a victim of the data breach associated with your company. As a result, fraudulent accounts have been opened in my name without my consent. I am requesting immediate action to block and delete all such fraudulent accounts pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act. 
Remove XXXX XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XXXX XXXX XXXX  and XXXX were just beginning. I was buying something online and saw there was a new type of pay-in-equal payments called Affirm. These were set to automatically deduct from my checking account so I tried it on a purchase for {$100.00} and another one for {$100.00} to compare it with XXXX and XXXX. 

Nothing in the advertising mentioned a line of credit or reporting to a credit bureau however, when checking out, I was prompted for my Social Security number. I hesitated and thought was strange, but all of these types of payment methods were new at the time so I figured it was to validate my ability to repay. At checkout the verbiage pointed out that they do not use your credit for this auto pay. 

I have a membership with XXXX so I got an alert from XXXX saying that I had two new credit lines. These were the two purchases from Affirm that were supposed to be paying automatically using the debit card linked to my checking account, but they reported them both to XXXX and my credit score dropped about XXXX points! I immediately paid off what was left if both, closed my whole Affirm account, and disputed them with XXXX. 

Over the last four years I have disputed those two reportings many times, probably at least once a year to no avail. Every time was rejected. I also called Affirm multiple times and spoke with supervisors and managers who were all rude and told me that they would not remove them. They even said that they are legally required to report it, which I do not think is true, especially for minuscule amounts that should never have been a line of credit and the fact I paid them right away, notified Affirm of the issue and permanently closed my Affirm account. 

This was a case of bait and switch. They advertised their payment product as if it was pike an automatic pay-in-equal payments broken out that dont touch your credit. The payments were set up with my debit card to automatically come out of my bank, so when they hit my XXXX credit, I immediately went in to the app and paid them in full. I did not use Affirm because I needed to, but I was merely using it to try it out and compare with XXXX and XXXX 

Most recently, I asked XXXX to process a dispute on their end, and that one also was rejected. That was probably a few months ago. 

So my back is against the wall. I was absolutely devastated when this happed because it dropped my credit score by about XXXX points. I made it clear to Affirm representatives, supervisors, and managers the details of what happened as well as how it dropped my credit score and that I did not agree for them to create lines of credit and report those to XXXX, but they refused to remove it. 

These lines of credit arent bad credit either, they are actually positive however, I have credit and would never in a million years taken out two lines of credit for a {$100.00} and {$100.00} item. That is absolutely absurd. 

I can provide any documents securely if needed or I can authorize your department to access those directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : TRANSUNION - XXXX XX/XX/2020 - XXXX XXXX XX/XX/2020 - XXXX XXXXXX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).
Product: Mortgage

I was over charge interest rates principal Im not sure if Im in the correct section but I have spoke with someone in the mortgage department I over paid my monthly bill which was XXXX I was paying XXXX, Im not understanding I paid {$14.00} over the monthly amount and they will not refund me. I took out a {$25000.00} loan and Im paying back {$50000.00}. I dont understand why is the interest rate and principle so high Im just about finish paying for the mortgage loan
Product: Debt collection

On XX/XX/XXXX Security Credit Services placed a collection account on my credit reports. I read to wait for a Right to dispute or dunning letter. It is now XX/XX/XXXX and still have not received an written communication from them. I have tried calling the number on their website for consumers multiple times. I have never had anyone answer. usually the line just keeps ringing. I tried to dispute with the bureaus, but all they do is tell the bureaus it is valid with no validation. I am very concerned as I have had Identity theft issues that may have caused this account. I know that both federal and Texas laws require this written notification. I need to see validation or it needs to be removed.
Product: Credit reporting or other personal consumer reports

delete from my account XX/XX/XXXX
Product: Vehicle loan or lease

I got a car loan from US Bank and my payment got delayed since I was suffering from XXXX complications for the last few months. I had this XXXX complications since I work at a XXXX XXXX and I have to XXXX XXXX XXXX with XXXX 
Also I tried to setup automatic bill pay from US bank web site and keep getting error online banking is not available at this time ( attached is the snapshot ) and along with XXXX complications and long wait time to get hold of US bank customer care I missed a payment. I kindly request that US bank waived the late payment as a courtesy and the US bank web site allow me to set up an online bill pay to avoid late fees