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

I am writing to formally file a complaint against XXXX XXXX  XXXX regarding multiple unauthorized mortgage loans that have been fraudulently reported under my name and credit profile. I did not authorize, apply for, or sign for any of the following mortgage loans, nor was I made aware of their existence until recently : A first mortgage in the amount of {$14000.00} A second mortgage in the amount of {$290000.00} One conventional loan One XXXX  loan These accounts are fraudulent and contain false and misleading information. I have never been in contact with XXXX  XXXX  XXXX regarding any mortgage application or transaction, and I did not grant permission for anyone to use my identity for such purposes. These entries are severely damaging to my credit and financial well-being, and they were reported without my knowledge or consent. 

This is a clear case of identity theft and/or fraudulent activity by the reporting institution, and I request an immediate investigation into the origin of these loans. I demand that these accounts be removed from my credit report and that all associated negative impacts be reversed. 

Additionally, I request that the CFPB hold XXXX  XXXX  XXXX accountable for reporting unauthorized financial obligations and violating consumer protection laws. I am prepared to provide any documentation necessary to support my claim. 

Please confirm receipt of this complaint and advise on the next steps for resolution. I appreciate your prompt attention to this urgent matter.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Regarding Auto Refinance Denial with Navy Federal Credit Union Dear CFPB Representative, I am writing to formally file a complaint regarding the denial of my auto refinance loan application on XX/XX/year>, with Navy Federal Credit Union. As a consumer, I believe this decision constitutes a violation of my rights under federal laws, including but not limited to the Equal Credit Opportunity Act ( ECOA ) and the Consumer Credit Protection Act ( CCPA ). 

Under XXXX XXXX. XXXX, I am entitled to access credit regardless of the reason for the denial. Denying my application and withholding access to my securities constitutes securities fraud. I believe this action not only infringes upon my rights but also reflects discriminatory practices that violate the principles of equal access to credit. 

As I am being denied credit, I request that you retract my application and provide written confirmation of this action. Additionally, I request a thorough review of this matter to ensure compliance with federal laws protecting consumers financial rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response to resolve this issue fairly and transparently. 

Sincerely, XXXX, XXXX XXXX XXXX for the ALL CAPS XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX has continually reported inaccurate credit information in my credit file even though they are NOT a credit reporting agency. I was informed by a XXXX XXXX representative that they retrieved my credit information from the XXXX and TransUnion credit files, and then in return report the information in my credit file with their company. Im assuming that this is still a violation of the Fair Credit Reporting Act ( FCRA ). My credit file with XXXX XXXX still contains negative or derogatory credit information that is very damaging to my credit file, and they should not be allowed to furnish any of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to remove an account that has fraudulent balances. Equifax not only has ignored valid police reports but has continued to verify inaccurate information under my consumer profile. XXXX XXXX  has willfully verified fraudulent balances with Equifax ignored valid police reports including reporting these balances to the credit bureaus as complete and accurate but continued to send out fraud claim forms. The claim forms were completed and police reports sent to them. XXXX XXXX  continues to break the law and violate my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I called Experian to dispute a fraudulent account on my credit report that I did not apply for. The first representative refused to help so I got transferred to a manager, the manager was also no help and when I requested what documents they had received, the representative hung up on me.
Product: Checking or savings account

Our family took a trip in XXXX of XXXX to XXXX XXXX ( we live in XXXX  ). We received suspicious information before we even left XXXX XXXX ( only there 3 days ). For months after our trip we started receiving bank account statements in both my name and my husband. There were about 7-10 different banks and all were on the XXXX  coast XXXX They were all showing we owed around the same amount of {$200.00} I started calling the banks and reporting them and XXXX XXXX ( in XXXX  ) was one of those. I thought it was all taken care of until I received a notice from a collections company, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX Dated XX/XX/XXXX. XX/XX/XXXX I spoke with XXXX and XXXX XXXX at XXXX and then was told to call The Collections company. I was supposed to receive a packet and never did. I called again on XX/XX/XXXX. XXXX XXXX was unavailable so I spoke with XXXX XXXX and again was told to talk to the collections company. At that time I was told to wait on my packet and complete an affidavit with FTC but when I answered the questions on there it sent me here. I was also told by collections that I need a police report. I have the bank copies showing transactions but my signature is no where. I even explained to the collections, I make over {$200000.00} a year, you don't think I would just pay it. It is over XXXX years old and I am not paying something that is not mine.
Product: Credit reporting or other personal consumer reports

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Product: Credit reporting or other personal consumer reports

This account as not mines as I spoke with someone immediately after This was replaced on my credit regarding a debt the information the company had reported was Wrong so im not sure how this was even placed on my credit file im requesting immediatly deletion in the next 4days as this is a fraudulent account and I will seek legal action. As this has caused problems with me trying to buy my house DUE TO THIS BEING PLACED ON MY CREDIT SO NEXT I WILL BEGING TO SUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, BK OF AMER add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

early last year my ex-wife totalled her leased vehicle, a XXXX XXXX. The vehicle was fully insured and insurance covered the loss and we were billed and paid the difference. The account was paid in full and closed and then we got hit with a " charge off '' that shows on our credit report monthly XXXX through XXXX of 2021 and knocked our credit down nearly XXXX points and still hasn't rebounded to the level that I've maintained for 20+ years. We contacted all of the credit reporting agencies to challenge the ding on our credit. 

There was no financial loss to XXXX XXXX, we have insurance and insurance paid as expected so why did I get slammed? It's credit reporting, not a driving record. 

The agencies went through the motions, after hours on the phones, weeks of back and forth we got a couple of letters saying that they investigated and will make no changeXXXX XXXX gave no relief either ; they stood behind what they reported to the credit agencies.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and seen multiple items with incorrect information on it. 

Discover bank Acct # XXXX on XXXX and XXXX The information incorrect is the account number is not correct Date opened it not correct Balance isn't correct on XXXX it shows {$1400.00} on XXXX it shows as {$0.00} Payment status is incorrect and shows as charge off on XXXX while XXXX shows as paid in full Last report date is incorrect XXXX says XX/XX/XXXX while XXXX shows XX/XX/XXXX XXXX also states it as a Delinquent and Derogatory while XXXX has it Derogatory Also neither has the correct address associated with me This account should be removed from both XXXX and XXXX for being inaccurate. 

Now there are two more accounts with XXXX that is not accurate XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX on XXXX shows as payment after charge off which is not accurate, payment status isn't correct, active date is incorrect. Also credit limit being {$0.00} and high credit being {$9000.00} is incorrect. Date open XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. Along with the address on file not being mine. 

XXXX on XXXX shows payment status as charge off which is inaccurate, last active date XX/XX/XXXX is incorrect on XXXX. XXXX has it as XX/XX/XXXX paid satisfactorily accurately. Also credit limit being {$1500.00} and high credit being {$1800.00} is incorrect. Date open XX/XX/XXXX, last active date XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. XXXX has last active date as XX/XX/XXXX and XXXX with the address on file not being mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps posting the wrong balances and not posting accounts that are paid .Not removing wrong address and family names on my credit. Keep asking me to pay for info to be removed. Inquiries that should be removed have Not been removed. Info that should be added is Not being added. ALWAYS has info that is XXXX months old and decreasing my true CREDIT PLEASE HELP I HAVE BEEN TRYING TO GET A MORTGAGE BUT THEY HAVE THE WRONG INFO
Product: Student loan

I was on an income driven payment plan and was un-aware that the plan had to be renewed and was not aware of the deadline of when to re-apply for one. It was also not made clear of what proper documentation was needed to prove my income. When I applied the first time I submitted a pay stub, when I had to re-apply, I sent the pay stub but did n't find out until after Ii got another bill, of which was too high to pay because the plan expired, that a pay stub was not an acceptable form to prove income. I was then told to send a copy of my tax return. It was n't until after that, they were able to put me back on the income driven payment plan, but by then I had already accumulated late fee 's because my payments were too high to pay.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received NO RESPONSE to both mailings. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted received on XX/XX/year> still with NO RESPONSE. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Debt collection

On XXXX XX/XX/2022, I spoke w/ XXXX from XXXX XXXX bill from debt Collector, Radius Global was paid at XXXX site in person. I sent proof of payment to XXXX per XXXX 's request. I sent a debt validation letter to Radius Global on XXXX XX/XX/2022 & they received the letter on XXXX XXXX giving them 30 days from receipt of letter to VALIDATE per CFPB, with specific documentation ; which they failed to do. They sent a VERIFICATION letter & copy of HEALTH INSURANCE CLAIM FORM which violates HIPPA b/c it has my diagnosis on the form without my signature. Also ignoring verification anything within the VALIDATION letter per Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692G SEC.809 ( b ) I've also contacted XXXX XXXX Privacy & Security Hotline regarding gross violation of my HIPPA Rights.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX I understand this violates 15 USC 1681b ( a ) ( 2 ). Both together and separately, my consumer and privacy rights are being violated. Per Federal Law, NO ACCOUNT can be reported to your consumer credit file ( s ) WITHOUT MY WRTTEN INSTRUCTIONS 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : CONGRESS has stated TRANSACTIONS are NOT ALLOWED to be reported in a Consumer report. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have provided requested information regarding proving my identity information proof of ID and address. Transunion keep asking for the same documents however these requests were sent by certified mail. XXXX XXXX XXXX XXXX US Postal service Certified Mail. since XXXX XXXX. This is a continuation of back and forward and nothing is being resolved.
Product: Credit card

On XX/XX/XXXX XXXX I attempted to use my Lowe 's Credit Card, the card was denied for an unknown reason. I call Synchony bank to resolve this issue and was told the only way I could do so was by submitting to a very invasive procdure where I was to take a video of myself on my camera phone along with a picture of the front and back of myd river 's license. 

I spoke to the supervisor at Synchony at length who refused to tell me if this data was being saved, how it was being used, or if it was being shared with partners. The supervisor refused to give me any information on how the data on how this very private information was being used and gave no other immediate option to use the card.
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Subject : XXXX Request for Removal of Late Payment I am writing to you regarding my CREDIT CARD account number BANK OF AMERICA XXXX, Date opned XXXX 2007. I want to express my sincere gratitude for the services I have received from and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 

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

In accordance with the Fair Credit Reporting Act. Child support # XXXX 15 U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  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 604a section 2 it also states a consumer Reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has repeatedly failed to separate my dad and I in there credit reporting system. Over the year they have said they would fix in and have not. After the XXXX breach I locked my credit and then locked my dad 's. I bought a rental and could not unlock my account. I called XXXX and they again detected that they have my dad and I mixed. I was told my file was being sent to maintenance. 

Today I went to purchase a car and the credit union informed me that they could not give me a loan since I was now dead. My dad passed away last month. Between these guys and XXXX there should be a lawsuit.
Product: Payday loan, title loan, or personal loan

I recently lost my job and I have contacted the company to let them know and make arrangements with them, but they keep adding interest on and I will never be able to catch up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five credit cards open with XXXXXXXX XXXX  listed below. These five credit cards have not reported since XX/XX/2022. I have paid down balances entirely on all of them except the XXXX XXXX XXXX- where I have paid the balance down about {$400.00}. This is not reporting on my credit and when I submit a dispute, I am only allowed to submit one at a time. I still have no reply from the company. This is accounting for thousands of dollars on my credit report- and I have closed the XXXX account and it its still reporting as open and carrying a balance. I can't seem to reach this company and have had no reassurance that this issue will be solved any time soon. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with XXXX. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.
Product: Checking or savings account

I deposited {$1000.00} cash ( XXXX {$100.00} bills ) at a Chase drive-thru ATM on XXXX XX/XX/2023 at XXXX XXXX and the machine did not reflect the deposit. The ATM was functional until after it took my bills, the screen showed a spinning circle, then it gave me a receipt that directed me to call their XXXX phone number. I parked and went inside the physical branch and informed a teller, who told me to call the XXXX number because the ATM is handled by a third party. I called while in the branch and spoke to a customer service person named XXXX. He said my deposit will be reflected in 2 hrs or up to 1-2 business days. 

I called again in the afternoon because the deposit hasnt shown up and spoke to both XXXX from XXXX department who transferred me to XXXX in XXXX department. They both told me it could take up to 48 hours for the deposit to show while they investigate. 

I checked again this morning and still no deposit. This is absolutely unacceptable since the bank has a person who empties that ATM and has seen the discrepancy yesterday, in addition to their security camera that had to have recorded my money going inside the machine. How can the bank get away with keeping my cash- not check - deposit for days? 

Please help me get my {$1000.00} back as soon as possible. The Chase bank address this occurred is XXXX XXXX XXXX, XXXX, TX XXXX. The receipt shows Term ID : XXXX with Sequence XXXX. Thank you.