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

I have a RV Loan with XXXX XXXX  that was initially in XXXX. In XXXX, XXXX XXXX  offered its clients the option to participate in a XXXX deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, XXXX XXXX was unable to process a payment in XXXX, XXXX. XXXX Bank indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. XXXX XXXX  did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, XXXX XXXX did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. XXXX XXXX  indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact XXXX XXXX during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.
Product: Mortgage

On XX/XX/XXXX, I received a notice in the mail from Lake View Loans ( under the XXXX XXXX umbrella ) that my property address was now considered in a flood zone ( Flood Zone AE- highest level of flood zone ) due to new updated FEMA flood zone maps. It stated that we had 45 days to obtain flood insurance or else it would be purchased on our behalf for an amount of {$2600.00} to the servicer XXXX XXXX XXXX. Please note that this notice was received about 2 weeks after our loan had been transferred to Lake View Loan. 

I called my insurance broker ( XXXX XXXX ), who called out to 3 different insurance policies, which all reported back that we were in XXXX XXXX XXXX ( which is not a flood zone ) and that they would be unable to even issue a flood insurance policy since we are not in a flood zone. 

After getting this information, I called XXXX XXXX and Lake View Loans, which continued to state that their hands were tied and that I needed proof from FEMA that my address was not in a flood zone. I asked if they would be able to post-pone the 45 days that they were giving me to get insurance, since I had called with an inquiry that the flood map was incorrect, and they denied this claim. They gave me the number to call FEMA.

I called FEMA immediately after getting off the phone with Lake View Loans, which walked me through step by step on how to pull up my address on a flood map. My address was pulled up and the FEMA representative also agreed that we are not in a flood zone and proceeded to say that it is " up to the mortgage companies interpretation of the flood zone map '' to determine if they are going to require flood insurance. The only way to prove this is to create an appeal with FEMA, which can take 60 days to complete. I completed the request for the FEMA flood map appeal on XX/XX/XXXX, but the expected completion date is XX/XX/XXXX ( after the given 45 days to obtain insurance ). In addition to this, FEMA stated ( and seen clearly on their website ) that they have not updated the flood maps in my area since XXXX and the claim that " FEMA recently changed the flood maps in my area '' was false information. This indicated that Lake View Loans clearly lied on the noticed that required me to obtain flood insurance.

After further investigation, the company that Lake View Loans was going to purchase flood insurance on my behalf ( XXXXXXXX XXXX XXXX ), is owned and operated by XXXX XXXX. Thus, they are requiring for me to obtain flood insurance, I am unable to obtain flood insurance on my own since I am not in a deemed flood zone, and forced to pay the parent company XXXX}. XXXX XXXX has also been under litigation and lost under prior investigations for mortgage fraud. It is under great suspicion that this is another cause of fraud, as they are forcing me to purchase unwarranted flood insurance through their own company.
Product: Debt collection

I. C. SYSTEMS COLLECTIONS DEBT COLLECTION COMPANY IS REPORTING ON MY CONSUMER CREDIT REPORT AS OF XX/XX/23 AS AN OPEN ACCOUNT. WHICH IS INACCURATE I AM ASKING THE FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEN AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PROVED ME THE MASTER BILL OF SALE. AGAIN I HAVENT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL, BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Debt collection

I requested A debt Validation including the original contract with my signature, and the purchase agreement on the collections accounts listed. I received notification from all XXXX credit agencies that the debt is validated as accurate and that information was updated unrelated to my dispute. However I have not received the requested documentation to validate the debt so it must be removed. In addition as per the FCRA all information reported must be accurate, if information had to be updated it is there for not accurate and must be removed.
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 10 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Checking or savings account

I opened my bank of america business checking account because I was promised a {$1500.00} bonus when you open a new business checking account and complete the following requirements : Make Qualifying Deposits of {$50000.00} or more in new money within 30 days of opening the new business checking account Maintain an average balance of {$50000.00} or more for next 60 days ( day XXXX ) during the maintenance period So, on XX/XX/2024 and deposited over {$50000.00} in funds and also left it in the bank account until XX/XX/2024. I reached out on XX/XX/XXXX, after the 60 day period, to inquire where my {$1500.00} bonus was. The representative said this was a mistake and it should be deposited soon, and they notated my account. I waited until XX/XX/XXXX, called again, and still, no bonus deposited and this time they told me they don't see the bonus on this checking account. Clearly, this is a deceiving practice by Bank of America. They profited off investing my {$50000.00} while not fulfilling their promises of {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Product: Student loan

I am writing to complain about Navient and its illegal practice of misapplying payments without my expressed permission. On XX/XX/XXXX, I mailed in three separate payoff payments ( each payment was over {$5000.00} ) along with specific instructions for each payment. My instructions identified my account number, the specific loan numbers, and the specific loan amounts that I intended it to be applied to. In my letter, I also requested that Navient provide me with an explanation if it is unwilling or unable to follow my instructions. On XX/XX/XXXX, Navient applied two of the three payments correctly. However, Navient misapplied one of the payments. I received no notification from Navient of any kind about the misapplication/misuse of my payment. I found out only after logging into my Navient online account. I called Navient on XX/XX/XXXX and tried to get Navient to refund me that misapplied payment. At first, a Navient representative ( XXXX, XXXX ) said that she has processed my refund request ( after she had asked me to upload a bank statement showing that my check has cleared my bank ), and that my refund request should be approved within XXXX hours. Three full days go by. I called Navient again on XX/XX/XXXX and find out from " XXXX '' that my refund still hasn't been approved. I asked for an explanation. I received no explanation. The second representative said she would get it approved " the next morning. '' It wasn't. I called again on the evening of XX/XX/XXXX to check on the refund and spoke to a third Navient representative ( XXXX XXXX ). That representative said my payment has been redistributed, meaning re-misapplied. I asked who authorized the re-misapplication of my payment? He couldn't give me a clear answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REPORT! This is a complaint on the failure to add POSITIVE items that should be being reported. I have contacted the vendors, and they said that they are reporting each file to all three credit agencies. I have tried MULTIPLE times to have this error fixed! I have attached the files in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX had it's big data breach I had all if not my entire body stolen from me. Those XXXX are no good for nothing agencies stealing our information selling it for profit when we the American workers work our bottoms off XXXX sweeting puddles of water and these guys selling our social security numbers, banking information, changing my name around, taking my california unemployment money totaling over XXXX XXXXXXXX should go to Jail also he's another Scammer. XXXX, Experian and XXXX it doesn't matter how many letters you send them, how many registered letters you send and demand them to fix your credit report they DO NOTHING. I got hit really hard do to XXXX I had a really good job in the Hotel industry General Manger At a XXXX In the XXXX XXXX got Furlough though hey I will collect unemployment XXXX month went nothing XXXX months went by nothing XXXX months went by nothing XXXX years now nothing so XXXX I'm the scammer whos on my Credit reports all three of them Living in XXXX XXXX XXXX XXXX I've been trying for XXXX years to get those XXXX agencies plus thje Attorney General he's another XXXX to fix my Credir reports. The person using my identity is messing me up daily. This person is running my credit everyday. Catr shopping. I did go car shopping in XX/XX/2021 at XXXX XXXX XXXX. Experian Has XXXX Hard inquires I WANT OFF MY REPORT NOT MINE THEY NO IT AND THOSE XXXX NO IT. who in he XXXX goes cat shopping daily. Come on people just look at the dates it looks so suspicious they did no follow ups on any of my letters, none of the credit bureaus. The only inquiries that should be on my credit report for XXXX is XXXX XXXX and XXXX all the others XXXX XXXX  XXXX, XXXX, XXXX, XXXX  I have a BOX full of letters I'm not paying ANY lawyer for those XXXX mistakes. I'm not rich. They need to correct all my names, my addresses I only have ONE NAME AND ONE ADDRESS. I'v elived their my entire life. They all know it. EXPERIAN AND XXXX I am for sure are the Fraudsters there the people behind the fraud there the skeleton in the bag XXXX  us all over. I want my credit repoert fixed ASAP.
Product: Mortgage

We went through the preliminary modification process and paid three payments on time and they said the mortgage was modified. 

We have signed and returned 4 modification packages but they will not return our calls. 

We reached out the a 3rd party housing counselor to help. However the Lender will not return their call as well
Product: Mortgage

I originally filed for a refinance with The owning corporation in XX/XX/21. My refinance was expected to close in mid XXXX. In mid XXXX I was noticed that owning corporation was acquired by guaranteed rate. On XX/XX/21 I spoke with XXXX XXXX in the loan origination department. She assured me the refinance terms would be the same and that my loan would refinance soon. I have yet to hear back from them. I am currently working with XXXX XXXX loan processor ; she is late in getting back to me on the status of my refinance. Please assist me as the mortgage term is set to expire on XX/XX/21. Please assist me with this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I recieved an email on my student email about a job opportunity. I was late to notice that email, but I replied to it on XX/XX/XXXX. The email was from someone pretending to be from the World Health Organization. I was told that I would be helping the disabled get the items they needed. I would be sent a check to deposit via mobile deposit through the Wells Fargo app. After giving her my ID she sent me a check via email and told me to print the pictures out and deposit them through the app. She never once asked me for my social security nor any money so I didnt think that it would be a scam. Plus the email was sent to my student account. At the time I was very inexperienced with mobile deposits and the app itself. After the check was deposited Wells Fargo closed both of my accounts ( checking and savings ), which was understandable since the check was fraud ( which I didnt know at the time ). I tried to call Wells Fargo and even visited two branches in person ( XXXX XXXX and XXXX XXXX ). None of them helped much except XXXX XXXX which helped me open a new checking account. Which was also closed after a few days. I tried to open a new account through XXXX XXXX XXXX but they also rejected my application because of what happened with Wells Fargo. The story is being misunderstood and misinterpreted by Wells Fargo and I cant seem to explain my story to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XX/XX/XXXX I noticed XXXX ( Acct # XXXX ) listed on my credit profile and asked Experian to verify the information. Correspondence from Experian company stated the information was reviewed and verified. Whereas I disagreed with their findings, In XX/XX/XXXX according to FCRA, Public Law 91-506 Title VI section 611 Subsection A-D, I asked Experian to reinvestigate the alleged account and to provide the method in which you verified along with any supporting documents. On XX/XX/XXXX I received correspondence from Experian stating the account was again verified and accurate. However, it is not! 

As reported on my consumer report ( attached ), the alleged account ( XX/XX/XXXX( Acct # XXXX ) was charged off XXXX of XXXX. Since then, the account has repeatedly been updated as charged off every month. To my understanding a charged off account should NOT include an active payment history. Experian 's failure to verify this account is now causing me financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XX/XX/XXXX, XXXX reported a late payment. For Prestige financial. Which this is a charge off. The amount of {$11000.00} is not correct. Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. Phone number XXXX. My score drop XXXX points. They are reporting to XXXX and XXXX as well.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i order a credit report and found some discrepencies of hard inquiries that i never authorized to be run on my credit and 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. 


list of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 a. states i have the right to privacy.

15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an account with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a 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

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the last date reported is not accurate. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) THIS IS GROUNDS FOR REMOVAL THEY ALSO violated MY RIGHTS UNDER 15 usc 1681 section 602 A states I have the right to privacy 15 USA 1681 section 604 A section 2 it also states A consumer REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS. 
Also the credit BUREAUS TOOK MORE THEN 30 DAYS TO COMPLETE MY INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On three separate occasions, I have discovered that inaccurate information is being reported on my credit file specifically unduly hard credit inquires all ranging different dates. I have tried to contact the bureaus and the creditors directly to dispute what I was under the impression as were soft inquiries that are now presently affecting my credit in a negative manner. I have not authorized such actions for credit and these unauthorized and unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I understand and am aware that inquiries are a factual record of file access and it is the credit bureau that is reporting these unverifiable requests for my credit after I have shown proof that these were not hard inquiries.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized and Inaccurate Reporting of Accounts Dear Equifax Dispute Department, I am formally disputing the accuracy and legality of the following accounts appearing on my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Listed Twice ) XXXX XXXX XXXX ( Listed Twice ) Upon reviewing my credit report, I have identified multiple violations of federal consumer protection laws, specifically : 1. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of My Nonpublic Personal Information Under 15 U.S.C. 6802, financial institutions and credit reporting agencies are prohibited from disclosing my personal financial information without my explicit consent. 
Equifax has failed to provide proof that I authorized the reporting and sharing of these accounts. 
Resolution Demand : If Equifax can not provide signed documentation proving my consent, these accounts must be deleted immediately from my credit report.

2. Violation of 15 U.S.C. 1681b Lack of Permissible Purpose The Fair Credit Reporting Act ( FCRA ) 1681b restricts credit reporting agencies from furnishing consumer reports without a valid permissible purpose. 
Equifax has not provided evidence that the furnishers of these accounts had a legitimate reason to report them. 
Resolution Demand : I request that Equifax provide verifiable proof of permissible purpose, including : Signed authorization allowing these entities to report on my credit file. 
Details of the verification process, including how these accounts were validated. 
If Equifax can not produce this information, these accounts must be deleted immediately. 

3. Violation of 18 U.S.C. 1028A Aggravated Identity Theft Unauthorized and inaccurate reporting of accounts constitutes identity theft under 18 U.S.C. 1028A.

If Equifax is reporting incorrect or fraudulent accounts, my consumer rights have been violated.

Resolution Demand : If Equifax can not 100 % verify the accuracy of these accounts through signed contractual agreements, they must be removed immediately, and a fraud investigation must be conducted.

Formal Request for Reinvestigation and Deletion Under FCRA 611 ( a ) ( 1 ) ( A ), I formally demand that Equifax conduct a reinvestigation of these accounts within 30 days. If the violations are not corrected, I will escalate this matter by filing formal complaints with the CFPB, FTC, and my State Attorney Generals Office and will consider legal action under FCRA 616 & 617, which entitles me to statutory damages, punitive damages, and attorneys fees.

Final Notice & Next Steps I expect a written response confirming the removal of these accounts within 30 days. If Equifax continues to report unauthorized, unverified, and inaccurate information, I will pursue all legal remedies available. 

Sincerely, XXXX XXXX