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

On XX/XX/year>, XXXX confirmed in writing that this account was removed from all four major credit bureaus ( XXXX, Equifax, XXXX, and XXXX ). However, upon reviewing my credit report, I was alarmed to discover that the account has reappeared on my Equifax report. I did not authorize or consent to this account being reported, and Equifax has blatantly failed to provide the legally required notice of reinsertion. This constitutes a flagrant violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates a reckless disregard for federal law. Equifax violated 15 USC 1681i ( a ) ( 5 ) ( B ) by failing to notify me of the reinsertion within five business days, 15 USC 1681b by reporting the account without my written consent, and 15 USC 1681e ( b ) by failing to ensure maximum possible accuracy in its reporting. These actions amount to willful noncompliance, entitling me to statutory damages of {$1000.00} under 15 USC 1681n ( a ). I demand that this account be deleted from my credit report immediately. Additionally, I require written confirmation of its permanent removal without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the following companies numerous times and filed a claim with XXXX  and TransUnion. I have contacted XXXX  XXXX to inform them my score is incorrect and this problem has not been resolved. XXXX   XXXX has not contacted either XXXX  or TransUnion to my knowledge. My card balance for the account ending in XXXX is {$1300.00} and balance for the account ending in XXXX is {$660.00} as of today XX/XX/20. I have made previous payments on both accounts to lower the balance over a month ago and have filed a previous claim. I have made sure to keep the balance low. We are trying to buy a home and are having an issue getting a non FHA loan because my score wont update due to my account balances. Thank you for your time hopefully they can resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX and an account from XXXX XXXX do not have a contract with any collection agency. They do not provide me with the original application as I asked for Proof of copy of the original application including my signature Full payment history from the original creditor, and original agreement showing they can legally collect the debt. If cant send proof delete this account from your credit report as soon as possible! This is under 15 USC 1692g because they were to notify me of this in writing 5 days prior but I was not informed at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of informations were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect informations listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, a XXXX XXXX, command Equifax to unblock me from creating and viewing my credit profile with the updated debt report and score in order to dispute errors. I am XXXX and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for Equifax to discharge any errors or obstructions from my credit profile.
Product: Mortgage

I applied for a mortgage through XXXX XXXX XXXX on XX/XX/XXXX, 2019. At that time they contacted all three credit reporting bureaus to pull reports. Equifax returned the request and stated there was a Fraud Alert on my credit and I would have to have that removed. The other two agencies XXXX  and XXXX complied with the request. I was told by Equifax that I would need to send them a copy of my license and social security card. I did not have my ss card present so I was told I could send a copy of a W2. I faxed over my license and a copy of my W2 along with a request to remove the fraud alert on XX/XX/XXXX, 2019. I was told it would take approximately 7 days before the fraud flag would be removed. My bank tried unsuccessfully to pull credit reports from Equifax on several occasions with no success. 

Upon being contacted by my bank that they were unsuccessful, I contacted Equifax again today XX/XX/XXXX/2019. I was told that the fraud alert was removed on XX/XX/XXXX, but there was a discrepancy on my credit file and they could not disclose it to me. I asked what must I do for the bank to get a credit report and I was not given a clear answer. To add insult to injury the service rep, XXXX, hung up the phone on me. 

I am in danger of missing my closing date and loosing my earnest money deposit. Equifax has no right to hold my credit file hostage. I would like to lodge a formal complaint against this business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 my written instructions.
Product: Debt collection

My information was sold to the collection companies and I did not give any permission for it to be sold. The amount is {$1600.00}. I have no knowledge of this debt.
Product: Checking or savings account

I opened an HSBC Direct Savings Account  on XX/XX/2020 because of the advertisement of a High-Yield interest of 1.7 %. I transferred all of my savings from an XXXX High-Yield to this account and two weeks later, the interest rate dropped to 1.3 %. They are still to this day advertising 1.6 % on their HSBC Direct Savings accounts.
Product: Debt collection

I dont owe this company anything I dont no them never had a contract with this company first off I am homeless I am poor why are they bothering me I dont no them can they leave me alone
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to Wells Fargo ( XXXX ) disputing 5 accounts as erroneous on XX/XX/2018 and mailed them USPS First Class Mail. I received notice in the mail that you sent the deleted XXXX dispute letter ( s ) on XX/XX/2018. It is now XX/XX/2018, it's been over two months since each account was DELETED. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per un-deleted item. 
Enclosed find a copy of the deleted XXXX  dispute receipt showing when you received my dispute showing all the accounts I have disputed.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding fraudulent activity committed by XXXX XXXX XXXX and TD Auto Finance in connection with a vehicle financing transaction. Specifically, I am alleging that both parties engaged in fraud and forgery on the credit application without my knowledge or authorization. 

Details of the Fraudulent Activity : 1. Unauthorized Use of Personal Information The financing application was supposed to be processed solely under my business entity using its EIN. However, XXXX XXXX XXXX and TD Auto Finance submitted the application using my personal Social Security number ( SSN ) without my acknowledgment or consent. 
2. Forgery of My Signature Upon reviewing the credit application, I discovered that my signature was forged on the documentation. There are multiple different signatures on the hard copy, which clearly indicate fraudulent activity. 
3. Misrepresentation and Deceptive Practices At no point did I authorize the use of my personal credit for this transaction. The dealership and financial institution knowingly and fraudulently altered the application to include my SSN, exposing me to unauthorized debt and liability. 

Requested Resolution : I request the immediate cancellation of this fraudulent credit application and loan agreement due to the unauthorized actions taken by XXXX XXXX XXXX and TD Auto Finance. Additionally, I request a formal investigation into these deceptive practices, along with any necessary corrective actions, including : Removal of this fraudulent account from my credit report. 
A full refund of any funds paid due to this fraudulent agreement. 
Legal action or penalties against the responsible parties for engaging in fraudulent conduct. 

I am prepared to provide any supporting documentation, including copies of the forged application, to substantiate my claims. I expect a prompt and thorough investigation into this matter. Please confirm receipt of this complaint and provide next steps regarding how this issue will be resolved.
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. 

List of Unauthorized Inquiries : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

FIRST FEDERAL CREDIT CONTROL HAS BEEN REPORTING TWO COLLECTION ACCOUNTS TO MY XXXX CREDIT REPORT FOR THE LAST SEVERAL MONTHS. I HAVE MADE SEVERAL ATTEMPTS TO CONTACT THEM VIA MAIL IN REGARDS TO DISPUTE THE VALIDITY OF THE DEBT BECAUSE THEY NEVER SENT ME ANYTHING IN THE MAIL ABOUT THE DEBT THEY CLAIM I OWE. FROM WHAT I CAN SEE ON MYXXXX CREDIT REPORT BOTH ACCOUNT NUMBERS ARE : # # # # # # XXXX, # # # # # # XXXX. FIRST FEDERAL CREDIT CONTROL HAS VIOLATED FCRA 15 U.S. Code 1692g ( b ) I HAVE ALSO ASKED XXXX TO REMOVE THIS DEBT FROM MY CREDIT REPORT IN A RECENT DISPUTE BUT WAS TOLD THA THE DEBT CAME BACK AS " VERIFIED '' AND ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020 I received my paid in full letter after paying off accounts. XXXX XXXX  and XXXX XXXX  XXXX. However, upon notifying creditor XXXX, they did not update the amount paid for XXXX XXXX  nor did they report XXXX balance. Leaving my credit to ratio debt at 165 % usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today and yesterday can not contact Equifax to freeze account for their data breach. I have trained multiple times.
Product: Credit card or prepaid card

In the last week of XX/XX/2021 ( XX/XX/2021 ), I tried to pay with my CareCredit card for a dental service given to my wife. The practice could not charge my card. They said that my card was not active. A few hours later, I called CareCredit at XXXX to find out what the problem was. I spoke with XXXX who told me that the card was closed for lak of activity. Hence, I applied for credit with CareCredit in their website, www.carecredit.com. The web site gave me a mssage saying that there was a problem and that I had to wait 7-`0 days for a letter from them. On XX/XX/2021, I received an email saying that my request was denied for the following reason : " High risk soure of application ''. I checked my credit report and score. I have a high credit score so I did not undertand what the probem was. Hence, on XX/XX/2021, I called CareCredit again. A lady told me that she did not know how CareCredit makes those determinations, and that it could even be a probem with the ip address of the computers, that something did not match. She recommended to either apply online again or send a letter to Synchrony bank. I want to avoid further problems and denials so I decided to get in touch with you. I would appreciate any help that you could provide. Thank you
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

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

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report.
Product: Mortgage

Hello, My name is XXXX XXXX and I'm not sure if I am in the right category of complaint as there was no exact option. I have a major complaint against my Loan Servicer, LoanCare ( XXXX XXXX XXXX XXXX   XXXX specifically ). I've called them and emailed them over 8 times in the past 3 months to try and get my PMI removed as I have enough equity in the property and have passed the FHA length of stay guidelines to do so. All I need is an appraisal. This should be very easy! 

I've sent 3 emails via my online portal about removing PMI, each time I follow up within a week or two and they say they can't find anything after transferring me to 3 departments. Every call is at least 45 minutes in length. This should be a federal crime as I'm trying to get an appraisal to legally get my PMI removed and they don't have the infrastructure in place to support this and are essentially stealing my {$500.00} plus a month by not contacting me back. 

I am completely unsure of what to do next, please take action against this atrociously run company. 

Thank you.
Product: Vehicle loan or lease

My car was repossessed in XX/XX/XXXX by XXXX XXXX XXXX.

I never received documentation that my car was repossessed until XX/XX/XXXX, in which I lost my license due to the fact that they could n't provide me with a letter. When I called in XX/XX/XXXX to find out where my car was with all my possessions, they did not know where it was located, the tow truck company got a ticket that was forwarded to me by XXXX  with the car in tow. I reached out daily for updates as to where my car was located so I could get my stuff and turn in the plates and not anyone could give me an answer. I had lost my license for 4 mths due to the fact that the tow company lost my plates and then I never got my valuables out of the car. Now in XX/XX/XXXX, my loan shows that I have missed payments, and is still open. They sold the vehicle in XX/XX/XXXX and my credit is ruined because of them. I also am XXXX I lost my license and my valuable were lost. Very disgusting.
Product: Bank account or service

I have been a Bank of America customer for about 10 years holding multiple money market accounts, checking and savings accounts. i also had several credit cards which i paid in full and never had an outstanding balance on. my credit score is above XXXX as well. last year i received letters from BOA stating that my XXXX credit card accounts were closed and my checking and savings were to be closed within 30 days to make arrangements to get my money. no problem. my concern was the XXXX points i have EARNED with my royal XXXX card. they told me i could n't get the points to redeem because the account was closed i advised them the contract says if i close the account i will lose it however i was given no warning about the closure or given the opportunity to redeem the rewards i earned and received. they would not give me a reason why the accounts were closed and just said it was a business decision. i called corporate and all, and got nothing. i was only concerned with having to redeem my points but they refused to honor the fact THEY closed my account and i did not breach the terms and conditions which is extremely unfair. i earned those points and rewards and am entitled to them. i have contacted a civil attorney to fight for whats morally right here. since, i have a new bank and have no issues. even the BOA branch had no idea why BOA corporate " ended my relationship '' with the bank after 10 faithful years and abiding by call contracts. i had used this card faithfully for several years and paid the card in full faithfully, never missing a payment. I earned thousands of rewards points and was n't given the opportunity to redeem them because BOA closed my account without any warning ( as they sent me a warning letter for my checking and saving ) why couldnt they do the same for the credit card accounts. this has to be a scam or a breach of security or contract on their end! they refuse to provide me with any details or explanation which can not be right.
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to dispute these items with trans union and provide supporting documentation, such as evidence and police reports date XX/XX/year> the issues have not been resolved. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me. I request that these items be investigated and corrected as soon as possible. 
Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. Belon is an attached copy of my report for your reference. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

The company affirm.com keeps reporting that I owe {$35.00} a month. Which they are estimating that is around {$380.00}. They reported to my credit XXXX that my account is flagged as not being paid. That is causing my credit score to go down.

I emailed the company several times. About five times.

I called the company. Made a complaint.

I filed a complaint.

I file several dispute. 

They keep reporting that information is correct. 

I have never bought anything off the website or use their service. 

It seems like they don't want to correct the problem. I want this company to STOP reporting to my credit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX RE : Complaint against Penn Credit Corporation for violation of the Fair Debt Collection Practices Act ( FDCPA ) Dear CFPB, I am writing to file a complaint against [ Collection Agency Name ] for violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with their attempts to collect a debt from me. 

Specific Allegations : I have not received the validation information required by 12 CFR 1006.34 ( b ) ( 5 ), despite their attempts to collect the debt and place it on my credit report. 
I was not given an opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
The collection agency used false, misleading, and deceptive means to collect the debt, in violation of 15 U.S.C. 1681-52 ( 7 ) ( A ). 
They furnished the account to credit reporting agencies without providing the required disclosures, violating 12 CFR 1006.34 ( d ). 

Impact on You : These actions have caused me significant harm, including, damage to my credit score, emotional distress, financial hardship. 

Request for Action : I request that the CFPB investigate these allegations and take appropriate action against Penn Credit Corporation. This could include requiring them to provide the missing validation information, remove the account from my credit report, and cease further collection attempts until the dispute is resolved. 

Additional Information : I have attached copies of any relevant documentation, such as collection notices, credit reports, and communication with the collection agency. 

Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX