23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized accounts, hard inquires and activities on my credit report resulting from identity theft. I believe this theft occurred due to my victimization in a serious crime, specifically being targeted by a XXXX XXXX  ring, during which my personal information was compromised. 

The fraudulent activity includes the following accounts listed below, transactions, or inquiries you have identified as unauthorized, e.g., a credit card opened with XXXX  XXXX XXXX on dates listed below These accounts and activities were not authorized by me, and I did not consent to their use or creation. 
Inquires Items that are inaccurate or false XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. ) XXXX  XXXX XXXX inquired on XX/XX/XXXX XXXX. ) XXXX  XXXX Inquired on XX/XX/XXXX Accounts Items are inaccurate of false. 
XXXX. XXXX XXXX Account Number XXXX. ) XXXX XXXX Account Number XXXX XXXX. ) XXXX XXXX  -Account Number XXXX XXXX. ) XXXX XXXX XXXX-Account Number XXXX XXXX. ) XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX. ) XXXX  XXXX XXXX Account Number XXXX Personal Information Items are inaccurate or false, defamation of character. 

This 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 an account without 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. 

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THR FOLLOWING ITEM ( S ) TO BE ERRORS, OR ARE DEFICIENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSE WISE NOT COMPLIANT. TO INCLUDE TO METRO & REPORTING STANDARDS. 

Please remove these items immediately
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY SOUTHERNFN Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY NCA Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS ADVANCE COLL Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have been experiencing a problem on Equifax behalf preventing me from obtaining a home mortgage for more than 4 months. I cant get pre approved for a loan until this issue is resolved. 

I was unable to create an online account error code XXXX. I called numerous times and spoken to many agents. I was told to mail docs which include a cover letter, a copy of my ID and SSN. 

After weeks of checking in I was told they didnt receive my letter and it can take up to a month for them to receive it. After more than a month I finally received a letter back from Equifax stating theyre unable to locate my credit file. 

I spoke to many agents and supervisors since then, which they all say slightly different things. Theres a mismatch between my information, my information isnt being reported to Equifax from my credit card companies, the back office needs a more detailed cover letter than what I originally sent, I need to talk to the business line, and email Equifax. 

I have no problem with my credit reports with XXXX and XXXX. I have multiple credits cards, opened longer than 2 years which all have confirmed they are indeed reporting my information to Equifax. I am a born XXXX XXXX. I dont understand why Equifax cant help me fix this problem not a single person at Equifax can help since the back office supposedly fixes it and you cant talk to the back office which doesnt help. 

Since then I have sent several more letter with numerous amounts of documentation clearly showing that I have an active credit files but I repeatedly receive the same standard reply letter in the mail, theyre unable to locate my credit files.

This is an extremely urgent issue that needs to be escalated and resolved immediately. I cant get a home until this is resolved.

This has been very unfortunate on Equifaxs side that this has not gotten anywhere. I am not sure what the next steps are but it looks like my only options are to get a credit attorney involved since Equifax is unable to help.
Product: Credit reporting or other personal consumer reports

All of my student loans were paid and removed XXXXXXXX XXXX XXXX All XXXX of my credit reports were updated. In the last few weeks I have noticed that XXXX of my student loans first appeared on my Transunion report and today I noticed the same loan on my XXXX report. I immediately called XXXX and studentaid.gov to verify my balances and both show a XXXX balance. I submitted disputes with both Transunion and XXXX again to have them removed. When I looked online, a lot of other people are encountering the exact same issue and it was recommended to submit a complaint here for a speedy resolution as I am in the middle of buying a house and this has impacted my debt ratio. I can work around it but i would like to know my true credit scores. 

Please help!
Product: Debt collection

My wages were garnished. I called XXXX to dsicuss the account as I was unaware of this action. The debt is from 2008. I was told that if I paid it in full that day on the phone, that they would return the XXXX back to my employer and that the garnishment would be released. They took my XXXX payment in full electronically from my account on XXXX. They have steadfastly refused to return the XXXX taken on XXXX and on XXXX another deduction was take from my check. This company will not release the XXXX funds to me for 21 days, and then stated they will hold the second issued to them ON XXXX for an additional 21 days despite the fact the account is paid in full. They are hold XXXX of my money causing me financial and mental duress. 

It is important to note- XXXX told me on XXXX that if I paid this in full that the XXXX would be returned to my payroll department and given back to me. They have recorded lines. He lied, they did n't return they cashed it, and now have cashed another and are holding the funds.
Product: Credit reporting or other personal consumer reports

I was Notified that my information was leaked into several companies such as XXXX XXXX and XXXX ( FDCPA ) 15 U.S.C1681 EB.I have inquires on my credit report that needs to be deleted off that I am not associated with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to have these items investigated and removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit card balance on my XXXX XXXX card and {$600.00} dollars of my credit limit was gone. I called them immediately and they said it was because of my Fico score. I don't know if they pulled my credit score but they are one of my creditors. This was on Friday the XXXX of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sen t 2 certified letters to each reporting credit bureau agency  XXXX , Transunion, and  XXXX  on 2 s eparate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record i nformation removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record is makin g it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have  this Public Record r emoved from all  XXXX  of the credit bureau reporting agencies.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I have reviewed my credit report and have noticed a few inaccurate addresses and accounts that were not authorized by me. I had lost my wallet and I'm urgently requesting to have the following accounts and addresses removed from report. I am a victim of identity theft and did not authorize the charges. I ask that the items be deleted as they are affecting my report and my financials. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the consumer sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days I still have received anything back. 

According to 15 USC 1681i ( a ) X1XA ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation or mv rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Portfolio Recovery Associates, XXXX, XXXX, and XXXX Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards mr and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Checking or savings account

There was a ACH Debit transaction from a leasing company ACIMA XXXX XXXX WEB ID : XXXX on XX/XX/XXXX for the amount of {$920.00}. This is completely unauthorized transaction and I never opened any transaction through Acima. I called my back XXXX  and reversed that transactions on XX/XX/XXXX. 

I received a email from Acima last week that next month payment is scheduled and the auto payment is currently blocked so asking me to make the payment. When I called them i came to know that somone has made some purchase giving my account number and routing number of my XXXX Checking account. In order for them to block/cancel that account they need the policy compliant number.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX  ( Report Number : XXXX ) Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute inaccurate and misleading information being reported by XXXX  on my credit report. The details of the account are as follows : Details of the Disputed Account : Account Name : XXXX  Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Repossession ( {$8100.00} past due as of XX/XX/XXXX ) Original Balance : {$18000.00} This account contains several inaccuracies and reporting issues that violate federal credit reporting standards. 

Grounds for Dispute : 1. Repossession Reporting : The account status indicates a repossession dating back to XX/XX/XXXX, yet the payment history lists ongoing repossession statuses through XX/XX/XXXX. This creates a misleading representation of the account. Under 15 U.S.C. 1681s-2, creditors are required to furnish accurate and consistent data.

2. Inconsistent Payment History : The payment history redundantly lists repossession for multiple months ( e.g., XX/XX/XXXX, XX/XX/XXXX, and prior months ), creating confusion and potential over-reporting of derogatory marks. This redundant reporting must be corrected. 

XXXX. Validation of Debt and Balance : The current balance of {$8100.00} is inconsistent with prior communications regarding the debt. XXXX has not provided adequate documentation to validate the amount owed, as required by 15 U.S.C. 1681i.

4. Failure to Correct Prior Dispute : This account was previously disputed, as noted in the reinvestigation details dated XX/XX/XXXX. However, XXXX failed to fully address or correct the inaccuracies identified in the dispute, violating the Fair Credit Reporting Act ( FCRA ). 

Requested Resolution : 1. Remove Duplicate Repossession Entries : Correct the payment history to eliminate redundant repossession statuses for months following the initial repossession in XX/XX/XXXX. 

2. Validate the Debt and Balance : Provide a detailed validation of the {$8100.00} balance, including a breakdown of charges, payments, and fees. If the debt can not be validated, delete the account entirely from my credit report.

3. Ensure Compliance with FCRA : Verify that all reporting related to this account complies with federal regulations, including the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ). 

4. Amend Credit Reporting : Update the accounts reporting to accurately reflect its status and remove any redundant or misleading information. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that DriveTime/Bridgecrest complies with its legal obligations. Please confirm receipt of this dispute and provide updates regarding your investigation. 

Thank you for your assistance. 

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

Since XXXX  I have had an identity theft and it was reported to the Police, FBI, S.S., Federal Commission and the credit agencies. I have informed the three Credit Agencies and XXXX XXXX XXXX  on several occasions that this account does not belong to me since someone made a request without my authorization. I have problems with Experian and XXXX XXXX that, even though I sent them a police report, they have not deleted my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed that DO NOT BELONG TO ME I have disputed and they still remain XXXX XXXX # XXXX Never took an account out with this company, this is someone else 's XXXX XXXX # XXXX No balance is past due or owed, remove this mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I assert that XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX # XXXX have infringed upon my rights. 

As per 15 U.S.C 1681 section 602 A, I maintain the right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly stipulates that a consumer reporting agency is prohibited from furnishing an account without my explicit written instructions.

Lastly, as outlined in 15 U.S.C 1666B, a creditor is not permitted to categorize a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

i was told that I had been approved for up to XXXX i only wanted XXXX thats all i asked for they asked me to sign installment loan documents, that had loan amount and payments up front which i did then they said they needed to look at my bank account and to send the my account login and password so they could verify my income so i did. 
Then they came back and said i needed to download my bank statement and verifications of my SS and my pension i did Then the next day i received the same message and so i did it again next day same thing so i faxed them this time so i would know they received them the very same afternoon i received a message saying the very same thing this time telling me had to be done my XXXX each one of these time i had tried to call and there automated system want allow you to speak with a real person i believe this is nothing but a scam to get peoples financial records and income information
Product: Vehicle loan or lease

My vehicle was involved in an accident on XX/XX/XXXX which resulted in the vehicle being considered a total loss. I had a vehicle service plan and GAP coverage through a 3rd party. Capital One received the refund for the service plan and applied this to the balance of the loan prior to receiving the payoff from my insurance company. On XX/XX/XXXX, XXXX, they sent me a letter indicating that the car was paid off. In this letter it indicates that if there were any of these policies that they would be working w/these insurance carriers to determine any refunds and that no action would be required on my part. 
I contacted the GAP provider on XX/XX/XXXX, to determine the status of my GAP refund. The rep w/that company advised me that I was due a refund of {$300.00} and that those funds had been sent to the finance company, Capital One, and that I should contact them to see about the status of my refund. I contacted them right after. Their IVR informed me that the loan was paid off and that the title had been released. I spoke w/a rep who told me that she could see notes in their system dated XX/XX/XXXX that their 'back office ' was working on the refund and that their turn around time is 35 days. She was unable to explain why it would take 35 days to issue the refund. I was then transferred to a resolution specialist who also was unable to explain why it would take that long other than to ensure that the status of the loan didn't change. I explained that the status of the loan wasn't able to be changed as the car was a total loss, the loan had been paid off and the title released. They have record of all of this.

I firmly believe that Capital One is holding these funds in an interest bearing account until the last moment so that they can collect money that is not due to them.

There are regulations in the mortgage industry in which a mortgage servicer has 15 calendar days to have a refund back into a borrower escrow account upon the cancellation of a lender placed insurance policy. There should be a similar requirement for an auto finance company to issue a refund in a timely manner. 35 days is anything but timely. Should I have not made my car payment for 35 days, I would have been assessed late fees and a negative report to the credit bureaus.
Product: Mortgage

My mother who was a US Veteran XXXX in XX/XX/XXXX at the VA hospital. Prior to her XXXX  she was adamant that she had drafted a will and the property was being left to my XXXX brother and myself. Unfortunately, we could not locate the document after she XXXX and was required to go through the probate process. Also of note was the fact that my mother said that she had life insurance to cover XXXX and XXXX expenses but the monthly payments were switched from autopay at some point during her last year of life and the policy lapsed 12 days before she XXXX. Essentially all the expenses for her XXXX and the mortgage payment fell to me. I used every dollar of credit I could to make sure she was able to have a dignified XXXX service. I quickly started drowning in debt and became 90+ days behind on all my creditors and eventually have had multiple creditors close my accounts since the XXXX. Because of this extremely dire financial situation my goal was to sell the property as soon as possible and make all creditors whole again. The problem is that I could not afford a lawyer to help with the probate process so I could not legally speak on her behalf to the bank and/or sell the house without being designated as the executor of estate. My hands had been completely tied until late XXXX of this year when we were cleaning the property and actually found her will. After finding the will, I was able to get the state to designate me executor of estate ( XX/XX/XXXX ). I knew there was a sale date on the property set for XX/XX/XXXX so I immediately signed a contract with an investor to purchase the property, as-is and pay the mortgage off. The investor agreed to a specific amount and a week later came back and offered {$25000.00} less than the agreed terms so I declined and searched for a new investor to purchase the property. I then signed a second contract with another investor and they came back a few days later and wanted to give us an amount that was {$17000.00} less than what we agreed. As the executor of estate my responsibility is to ensure all financial obligations my mother had at the time of her XXXX are reconciled. I want nothing more than to pay off the mortgage and also get myself back out of debt as well through the sell of the property. I am requesting more time to get a realtor and put the house on the market. If the bank can put a hold on the upcoming foreclosure sale so I have time to market the property properly then I know we can come to an amiable solution for everyone.