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

Im in disagreement with the accounts listed below, which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated the inaccuracies are highly injuries to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit, Reporting Act, Public Law, 91506, title VI Sections 611.

Provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your investigation.
Product: Payday loan, title loan, or personal loan

Chase auto finance is using unfair debt collection practices. 

Six years ago, XXXX XXXX XXXX XXXX dealer sold me my vehicle that was XXXX old and on sale for {$5000.00} XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX not XX/XX/XXXX. I traded my car a XXXX XXXX XXXX so I was only going to finance {$3000.00} i later discovered the Bank is asking for {$10000.00} I called a manager who apologized and promised to fix it. XXXX, mgr, shredded the contract in front of me and ask the finance manager XXXX to redo the paperwork. He never gave it to me and saleman XXXX told me to go home with the car. He said they will figure it out dont worry. I got a lean satisfied letter from the dealer but not the Bank, who is now time barred. They keep trying to repossess my car, and damage my reputation by posting lies on my credit report. I even offered to return the car, and took it back to them, but they refused it at the dealer. California clerk stated that they sold my account to a debt buyer but failed to report this on my credit file. I dont know who to contact. So i hired an attorney to settle my account and he said the Bank wouldnt cooperate. They are refusing to remove the lien, and that I should sue them for unfair debt collection practices
Product: Checking or savings account

On XX/XX/XXXX I completed a stock shoot with XXXX XXXX XXXX XXXX in which I received a {$500.00} check as payment. In an effort to diversify my savings accounts, I opened a high yield savings account with Ally Bank to deposit the check. I submitted the check via mobile deposit. 

After logging in a few times, my account was locked. I called Ally Bank and they claimed the check I submitted was fraud and that they closed my bank account. They notified me that the funds would be sent to me via check to the address attached to my account. Although I knew the check was not fraudulent, I knew there was nothing I could do to get my account reinstated. Months passed and I never received any correspondence from Ally nor a check in the mail. 

On XXXX XXXX, XXXX XXXX, the owner of XXXX XXXX XXXX XXXX, notified me that the check was, in fact, posted ( see attachments ) on XX/XX/XXXX. I immediately called Ally Bank to see where the {$500.00} deposit went to which they claimed that the funds were never deposited and the check was never accepted. I asked for a claim number and follow up. They gave me the claim number XXXX. 

A week later, after receiving no word of my dispute, I called to follow up yet again. I was notified that the check was never posted and that the account was closed. I never received details about the investigation or an answer as to why the check was showing as posted from XXXX XXXX XXXX XXXX 's when Ally Bank claimed the check was never posted.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience with Equifax, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Scammed called, sent XXXX via XXXX Cant reach bank
Product: Mortgage

My mortgage escrow payment is {$400.00} per month, totaling {$4800.00} per year. This escrow account in non-interest bearing. 

My taxes are {$100.00} twice a year.. Property taxes will increase in the future, date and amount undetermined at this time. My property insurance is {$550.00} annually. This amounts to {$770.00} per year. 

I am overpaying into escrow {$4000.00} per year. I have requested the mortgage lender to remediate this amount, as of my call today ( XX/XX/2024 ) they are unwilling to. 

This excessive escrow payment prohibits me from using these funds or to recognize a reasonable interest rate of return. 

The Mortgage Lender is Lakeview, XXXX XXXX  XXXX, XXXX  XXXX, VA, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXX XXXX : XX/XX/XXXX ( This Is Not A Duplicate ) To : Experian This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit cards and others : XXXX XXXX-Opened in XXXX, Bank XXXX XXXX XXXX XXXXXXXX XXXX in XXXX, XXXX XXXX XXXX XXXX, opened XXXX XXXX, XXXX XXXX XXXX Bank opened in XXXX, XXXX Bank XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX in XXXX, Portfolio XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

A copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. I have attached a copy of my Drivers License, a copy of my Social Security XXXX, a copy of Proof Of Residence and a copy of the FTC Report .... 

Please make sure neither company ( lie by stalling ) saying that they need proof of identity because I am sending proof of identity with this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax took six weeks to notify the public after finding out about the breach. Even then, the site that Equifax set up in response to address questions and offer free This is the THIRD BREACH AND SECOND TIME EQUIFAX has raised the number of consumers affected since it first reported the hack.incomplete, confusing and contradictory statements, '' and failed to answer the " precise extent of the breach. '' with no cure of the problem. 

EQUIFAX maintained a separate Database for the Product the PII that was compromised. That Database had different Protocols, different Security, and was not maintained as the Database for Clients and Employees. 

The Consumer Database had no remediation plan and YET THE EQUIFAX CUSTOMER DATABASE HAS UPDATED AND A SECURE PORTAL. EQUIFAX WAS GROSSLY NEGLIGENT AND THEY SHOW A GROSS VIOLATIONS OF COMMON SENSE AS WELL AS A GENERAL DISREGARD FOR CONSUMERS. 

I HAVE EXPERIENCED SEVERAL ID THEFT AND ID THEFT ACTIVITY CONCERNS ON MY CREDIT REPORTS, INCLUDING WITH EQUIFAX WHO REFUSES TO REMOVE THE ERRORS OR ISSUES. 

IRS SCAMS AND FEDERAL RESERVE BOARD SCAMS A CLOSED XXXX XXXX   ACCOUNT DUE TO THIS, IMPACT ON MY CREDIT RATING AND DENIAL OF CREDIT. NO REMEDIATION WITH ALL THE WORK LEFT TO THE CONSUMER TO SCRAMBLE REPORTS, PHONE CALLS, FAXES, CERTIFIED MAIL LETTERS. THEN TO REPEAT TO FOLLOW UP AGAIN TO ASSURE A CHANGE " MIGHT '' BE MADE IT IS CONTINUOUS AND SATURATED INTO EVERY PART OF A CONSUMER 'S LIFE. 

THERE IS SHAME, GUILT AND STRESS, ANXIETY, AGGRAVATION A GENERAL NEVER ENDING EMOTIONAL ROLLERCOASTER OF DUE DILIGENCE FOREVER. THE HARM IS ENDLESS AND COSTLY WITH NO COMPENSATION FOR MY TIME FROM EQUIFAX WHO CAUSED THE PROBLEM. NO PENALTY FROM THE CFPB OR OTHER AGENCIES. EQUIFAX STATES '' FRAUD IS A HUGE GROWTH OPPORTUNITY FOR EQUIFAX '' SO GENERAL GREED AND PROFIT WITHOUT CONSEQUENCES. EQUIFAX DID NOT SPEND MONEY OR TIME ON THE CONSUMER DATABASE DUE TO COST AND SHARED UNENCRYPTED XXXX SHEETS OF CONSUMER INFORMATION, A TOTAL DISREGARD AND ABANDONMENT OF ANY RESPONSIBILITY. DO YOU HAVE MY CONSENT TO USE MY PI INFORMATION? NO. THEREFORE YOU ARE INCREASINGLY MORE RESPONSIBLE TO SETTLE THE HARM THAT WAS CAUSED WITH A FINANCIAL CURE. THE COST OF DOING BUSINESS IS A TWO WAY CONCEPT AND THE DAMAGE SHOULD BE SHARED. THERE IS NO EVIDENCE BASED DEFENSE EQUIFAX CAN PROVIDE AS THEY ARE GUILTY OF CRIMINAL BEHAVIOR, GREED, CORRUPTION. A DISREGARD OF THE SEC GUIDELINES, LYING TO THEIR SHAREHOLDERS, THE SENATE AND OTHER AGENCIES. THE CONSUMERS ARE NOT ON THE LIST DUE TO THE RESPONSE AND CONSIDERATION " NOT '' PROVIDED TO CURE OR MAKE WHOLE THE INDIVIDUAL. THE ENUMERATED FEDERAL CONSTITUTIONAL LAWS THAT WERE VIOLATED INCLUDE THE RIGHT TO SELF DEFENSE, THE RIGHT TO EQUAL PROTECTION, THE RIGHT TO PRIVACY ALL PREVENTED BY EQUIFAX " ACT OF TRUTHINESS ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to Experian. here is my tracking XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

according to law 15 u.s. code 1681a definition : rule of construction The term investigate consumer report '' means a consumer report or port thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.however, such information shall not include specific factual information an a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  is reporting my mortgage 180 days past due while I was in forbearance. I call and they tell me that I need to resolve this matter. They are breaking the law and delay upon delay I. Getting it fixed.
Product: Payday loan, title loan, or personal loan

Good evening I went online to apply for a loan so that I could fix my bathroom wall a loan place named speedy cash loan popped up so I applied upon applying they requested my banking log ins and I'd to verify my account they said I was approved for XXXX then changed it to XXXX the XXXX XXXX XXXX I woke up to random deposits in my account for XXXX twice and a refund amount into my account from a XXXX payout I did to a contractor from XXXX the loan people called me and told me that I needed to send them the money from the XXXX deposits and the refund via XXXX as it was only deposited into my account to be sure my account was valid which didn't make sense to me but they said to send the XXXX so I said if u deposited into my account then take it out of my account immediately they said they couldn't and I had to XXXX it back to them thus I said send me an office and they said they could not and that the only way was to XXXX it back this I did for the XXXX twice to a weird XXXX XXXX they provided and told them I didn't feel comfortable and to withdraw my loan application immediately I went to my bank and explained the situation to my bank they advised to close my accounts my personal and my business right away thus we did and advised to add fraud alert to my personal credit and to file a Police report as there was reason to believe this was a fake loan company scamming
Product: Debt collection

I received a letter from UNIFIN, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX stating that I have a debt from XXXX ( Original Creditor : Account # XXXX. XXXX XXXX is XXXX XXXX XXXX XXXX REF # XXXX. XXXX as of XX/XX/year> in the amount of XXXX from XXXX XXXX I never have XXXX as a XXXX. I did not answer this letter or text from UNIFIN. I think this is a SCAM. Please help me resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am the consumer, and in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX by mail of the specific ac-counts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the ac-counts that I have requested to be removed from my consumer credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Correct Credit Report Yo whom it may concern Please consider this a formal request to investigate and correct the following inaccurate hard Inquiry items on my credit report. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Dates of hard inquiries that need to be removed, Company Names & Numbers XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX If you guys need anything from me, feel free to contact me anytime!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation toExperian which shows the XXXX accounts from last he XXXX XXXX XXXX  were paid. The XXXX XXXX XXXX confirmed they sold the accounts and they have no information to report but that the accounts were sold. I have submitted letters which show proof of payment on both accounts. Experian has not corrected my report they changed from reporting both accounts in bankruptcy to charged off and never late this is preventing me from obtaining a mortgage loan as I have submitted proof of payment to my lender as well as Experian but they are not correcting my report. I reviewed my Consumer Reports and noticed that I had two accounts with the The XXXX XXXX XXXX  and they both were sold and paid to different companies that bought the accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have paid both accounts which were sold to different agencies. I called The XXXX XXXX XXXX  and they said they could not correct the incorrect reporting as they dont own the account anymore. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Student loan

In XXXX, I took out a private loan for {$25000.00} through Sallie Mae. After deferments and switching to Navient, my loan went up to {$41000.00}. It doubled. I have called and spoken to Navient about the unfairness and illegality of this, and have had no luck. I understand accruing interest, but doubling a private student loan after 1 year in college is illegal. Currently, my payments are up to {$450.00} a month. I have called several times to get them lowered, to which they tell me I don't qualify for lower payments. I am a XXXX in an underpaid district, who also has federal student loans. I am also a mother of XXXX. I am struggling to get by. 
According to the Navient lawsuit settlement involving private loans, I should qualify for some forgiveness, if not all. 
1. My private student loan was issued by Navient or its predecessor, Sallie Mae. 
2. My student loans must have been disbursed between XXXX and XXXX. 
3. My student loans must have been delinquent ( behind on payments ) for at least seven monthly billing cycles prior to XX/XX/XXXX. 
4. I live in New York, which is a qualifying state. 

I am extremely upset and do not know what else to do. My next step is to seek legal counsel.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXXXXXX Date of Inquiry XX/XX/scrub>XXXX XXXXXXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to inform you of the devious practices being conducted at XXXX. The three credit bureaus have collectively damaged my quality of life with inaccurate reporting on my credit report, but XXXX has causing detriment to the livelihood of my family with the current reporting on my credit report. These reportings consist of wrong addresses, duplicate inaccurate accounts and closed accounts being reported as being paid late to name a few. These reportings also have lead to me being denied credit, elevated cost due to higher interest rates and my family 's right to life, liberty and the pursuit of happiness being diminished. The business conducted with XXXX is deplorable as they have also reported these things without my knowledge or permission denying my rights to privacy and the fair debt collection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to TransUnion a dispute about my XXXX account. I wrote a detailed letter and provided a full credit report highlighting the errors. I was notified today the dispute was complete so I pulled my report. Unfortunately, TransUnion did not meet their obligations under the Fair Credit Reporting Act. They did not provide answers to any of the questions that the dispute raised nor does it look like they actually investigated as the date of update is XX/XX/2019 which was before the dispute was filed. Therefore, I am filing this complaint to compel TransUnion to delete the XXXX account for inaccuracy as highlighted in my dispute letter.
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 rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Also known as XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account number : XXXX 15 U S C 1681 section 602 A States I have rights to privacy. 

15 U S C 1681 section 604 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: Credit reporting 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX County  North Carolina, I was ordered for XXXX XXXX, it was not accurate and the forementioned XXXX XXXX services show a order for XXXX dollars a month, with a past due balance XXXX that has accrued. And it is still showing up on my credit report every month, even though it is easily verified that what Ive repeatedly informed experian of is accurate. I just needed to call the XXXX XXXX services, and put in my information, and it will tell whoever calls that I do not owe anything.