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

In accurate information displaying upon credit report. Per the FCRA guidelines, the financial industry relies on accuracy to a credit profile. My credit profile has errors that displays late payments. This has been brought to the credit bureau attention previously and has been ignored. 
Detailed below are the guidelines that pertain to Late Payment Verification : FCRA 611 ( a ) ( 1 ) ( A ) : This section of the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of any information in their credit report. In the context of late payments, if a consumer disputes that a reported late payment is inaccurate, this provision requires the credit reporting agency to investigate the claim, verify the accuracy of the information, and correct any inaccuracies found. 

Relevance : FCRA 611 ( a ) ( 1 ) ( A ) is relevant to late payment verification because it establishes the consumer 's right to dispute inaccurate information in their credit report, including late payments. It requires credit reporting agencies to investigate such disputes and correct any inaccuracies found, ensuring the accuracy and fairness of credit reporting. 

Unauthorized Inquiries : FCRA 1681b ( f ) : This section of the FCRA outlines permissible purposes for accessing a consumer 's credit report and requires that consumer reporting agencies provide a consumer with a summary of rights when an adverse action is taken based on information in their credit report. In the context of unauthorized inquiries, this provision requires that inquiries made without proper authorization be investigated and, if found to be unauthorized, removed from the consumer 's credit report. 

Relevance : FCRA 1681b ( f ) is relevant to unauthorized inquiries because it governs the permissible purposes for accessing a consumer 's credit report and requires that inquiries made without proper authorization be addressed. It ensures that consumers have control over who can access their credit information and protects them from unauthorized access that could potentially harm their credit standing. 

These issues need to be addressed immediately and corrected the XXXX XXXX mortgage account that displays late payments should be updated to pay as agreed with no late payments, and the unauthorized unconsented inquiries should be deleted immediately.
Product: Credit reporting

I have disputed several accounts on my credit report with Experian several times. I first disputed with the original creditor XXXX, and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.
Product: Debt collection

My name is XXXX XXXX, I am writing to have the following deleted from my file. The items I need are listed in this report. I am a victim of identity theft and did not make this charge. I ask that these charges be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete this as soon as possible. Thank you!
Product: Debt collection

Hello I have been dealing with AMSHER COLL collection agency about a XXXX account I had a while back. After speaking on the phone they agreed on a recorded line to lower to {$1500.00} if I made payments I have made payments which I've been doing and I still see over {$4000.00} owed which is inaccurate. I tried calling there customer service team again and they said they had no idea what I'm talking about. I asked them to check there notes since I told them originally on the recorded line will this be on my notes and will you send to the creditors which they agreed the {$1500.00} would be plus whatever I paid each month taken off.
Product: Debt collection

We have learned that XXXX acquired the banks but it was not a " Merger '' so therefore this was not a XXXX XXXX XXXX. When XXXX collapsed, XXXX XXXX became the servicer. When we made queries about the new owner, XXXX XXXX claimed that they purchased the loan however they did not provide verification. They sued us and said they sold the mortgage to Pennymac XXXX, who we found out was another debt collector. We wrote to them to verify some information and the collusion and fraudulent documents continued. Pennymac then flipped it to another subsidiary of their company. When we called the FDIC and the OCC, they both referred us to CFPB because this is all debt collection. Additionally, we learned that XXXX XXXX Bank XXXX ceased to exist XXXX XXXX, 2005 however our mortgage was made in XXXX 2005. Our daughter worked for XXXX and XXXX and she continued to make these mortgages and no one ever told her that the company was no longer in existence. Please see our attached report
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday, XX/XX/XXXX From : XXXX XXXX : XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX | XXXX : XX/XX/XXXX TO : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Enclosed I have included a copy of my government issued ID and my Social Security Card. 

Thank you, The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Debt collection

I requested national credit system to validate my debt XX/XX/year>. It is now XX/XX/year> & nation credit system still hasnt validated my debt which means theyre in violation of the FDCPA, the fdcpa gives collection agencies 30 days to validate debt or they must cease all communication & cancel all debt owed to the consumer.
Product: Money transfer, virtual currency, or money service

XXXX XXXX in the amount of {$500.00} Filed claim within 1 hour of fraud on XX/XX/2021 Claim XXXX Provided Wells Fargo with all information needed to recover my money from the person who committed the fraud, provided his name, bank account, phone number and email. 
Wells Fargo should have stopped the transaction before the XXXX payment was made.
Product: Debt collection

I settled my debt with XXXX XXXX a while back. The debt was resolved. Now, a collection agency name XXXX/Resurgent Capital is reporting this debt on my credit report and trying to collect monies from me. I have told them that I have already settled the debt with XXXX XXXX, but they don't seem to care. They seem to want me to pay it twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a disputed through Equifax and XXXX and about hard inquires. Somebody tried to receive a vehicle in my name and also more inquires in there Idont recognize. credit inquiries on my credit file and they want take it off. I was a victim of fraud credit inquiry problem. My name is XXXX XXXX my date of birth is XXXX And my social XXXX
Product: Consumer Loan

I checked my credit report and I see that this company name American Credit Acceptance is reporting to all XXXX credit bureaus stating that I owe them a debt, that I do not owe. I never did business with this company that is reporting to the credit bureau 's. They are saying I purchased a car from theme and I did not.
Product: Debt collection

I never received a letter from the company, and when disputing and asking to verify debt. The company did not do to so and denied my dispute all together. I called the company and they didnt even verify who they were speaking to, the representative response was we have your number thats how we know who we are speaking to. I then explained to them that anyone could be calling and pretending to be me and you are just willingly giving my information out. They then said they doubt that will ever happen and theyve been working in collections for 4 years. I said their should be certain verification points in tact. The rep still denied that no one else would ever call for me and asked me to settle the debt. I explained to them that I wanted more validation debt and if it is my debt I can not do much because of my financial hardship because of a medical issue, he then asked what could I do. I asked for validation before any settlements and they said they could not do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/2018 Experian on page 19 of 20 under Former or Current Employers have information missing to my Employers I have sent XXXX and contact I formation as well as Check stubs to Experian and it has been month after month and no corrections made correctly on old reports it had my Employers as I'm stating them once again. This makes no sense on credit reports adding false information removing correct this been going on now for 7 months with personal information on Experian Experian does not put information on Employers correct and delete current ones as past ones as I have over 11 reports all with information right and the 2 months later current Employers been deleted by Experian or the wrong occupation this needs to stop and corrected as Experian does not update current information correctly or spell the names of Employers correctly as I have had on previous reports with wrong names.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to conduct a proper investigation of my dispute and against XXXX XXXX XXXX for repeated inaccurate reporting on my credit file. 

Issues with Experians Investigation Process : - I have uploaded supporting documents multiple times, yet when I request confirmation, I am repeatedly told that Experian never received them. 
- Each time I call Experian for an update, I receive different and conflicting information from their representatives. 
- Despite my continued efforts, Experian has not conducted a proper reinvestigation, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  repeatedly opens and closes this account while continuing to report it as a collection. 
- The company does not have my correct address, despite me residing at the same location for over seven years. 
- Credit reporting discrepancies exist between agencies. If the reported information were accurate, it would be the same across Experian, Equifax, and XXXX, but each agency reflects different data. 

Regulatory Violations & Experians Legal History : Experian is legally required to properly investigate disputes under FCRA ( 15 U.S.C. 1681i ) but has failed to do so. The CFPB has previously sued Experian for deceptive practices in its reporting process, yet these violations continue to harm consumers like myself. 

Requested Action : I request that the CFPB intervene and ensure Experian properly investigates my dispute by reviewing the documents I uploaded. I also request that XXXX XXXXXXXX XXXX  be held accountable for repeated inaccurate reporting and that all inconsistent or incorrect information be corrected or removed from my credit file immediately. 

Failure to resolve this issue in accordance with FCRA regulations will leave me no choice but to escalate this complaint further.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following XXXX accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax & XXXX XXXX all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XX/XX/2021. i have also mailed demand to comply letters. still no response.
Product: Checking or savings account

I bank with USAA and also have my home and auto insurance with them. Using their app I mistakenly paid 4 months worth of car insurance payments in two separate transactions that their system allowed me to double pay. The first payment of {$870.00} drafted on XX/XX/XXXX and then the mistaken second payment for the same amount drafted on XX/XX/XXXX. I spent 4 hours on XX/XX/XXXX talking to customer service reps in both banking and insurance and nobody would refund the money. They all claimed that 710 days must pass for the payment to clear ( when the banking reps could clearly see both payments had already cleared ). I contacted USAA again today XX/XX/XXXX and am still being told a refund can not be issued until 7-10 days, but when asked repeatedly when that was I was never given a date. Meanwhile my checking account has had XXXX activity and the bank is happy to collect and cause with my creditors additional fees! 

USAA insurance billing system should have alerted me as a customer that a duplicate payment was being scheduled rather than allowing that payment to be made and holding my money hostage for more than 2 weeks!
Product: Debt collection

I filed a complaint before threw CFPB. they presented paperwork that have an address that's not mine never have I resided there or been associated with, which is fraud!! 

They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!!

They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!
Product: Debt collection

I received this email in my mailbox today. I do not have, nor have I had a chase card in over 10 years. I have never had a southwest credit card. 

I have no Idea what the account number is or how they got my information. 

Chase is either fraudulently trying to get money from me or it is a scam with their email/website address. They do not provide any way to contact them.
Product: Credit card or prepaid card

I was approved for the Platinum Delta SkyMiles Credit Card from American Express on XX/XX/XXXX ( see attached Approval Letter ) under a welcome promotion of XXXX delta miles for {$4000.00} in spend in 4 months as well as a {$100.00} statement credit for a Delta purchase in the first 4 months. Despite meeting the spend on my XX/XX/XXXX statement by spending over {$4000.00} ( I spent {$4100.00} between XX/XX/XXXX and XX/XX/XXXX to be exact ), and spending {$100.00} on XXXX XXXX on XX/XX/XXXX ( see XX/XX/XXXX statement attached ) I have yet to receive my XXXX bonus miles or my {$100.00} statement credit. I have been in contact with American Express ( and opened up an investigation as well, investigation # XXXX ), and was told this was a problem affecting numerous customers and would be fixed by XX/XX/XXXX. This has not yet happened. 

The offer was public and available to all applicants and I have not yet had a Platinum Delta Skymiles Credit Card that would prevent me from receiving my bonus. There is no reason why American Express should be withholding my miles when it is a common problem and there is nothing to investigate other than if I met my minimum spend and spent money on delta in the first 4 months - both which have clearly occurred, as the documentation shows.
Product: Vehicle loan or lease

I am writing to formally request that BRIDGECREST ACCEPTANCE CORPORATION show cause as to why my account, identified by Account # XXXX and related to the vehicle identified by VIN : XXXX, has not been settled in full despite the actions I have taken to fulfill the financial obligations. 
Background : XXXX. Payoff Quotes : On XX/XX/2024, and XX/XX/2024, I received payoff quotes from Bridgecrest stating the amounts of {$39000.00} and {$39000.00}, respectively, as the payoff amounts due for the account. These amounts were valid for XXXX days from the respective dates.. 
XXXX. Payment in Full : As stated in my letters dated XX/XX/2024, and XX/XX/2024, I have formally disputed the handling of the reassignment of my loan agreement and have instructed that the enclosed payoff quotes be treated as negotiable instruments constituting " payment in full '' of the amount owed. This was based on the failure to notify me of the loan 's reassignment in accordance with the Uniform Commercial Code ( XXXX ) XXXX certified mail # XXXX Sent - XXXX mail # XXXX - Sent : XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX : On XX/XX/2024, I mailed a Registered Negotiable Instrument identified as XXXX XXXX XXXX XXXX XXXX, Serial Number XXXX, as a XXXX XXXX to complete the full amount of CHARGES, including all interest, charges, and hidden fees associated with my Bill of Lading ( Credit ). This money order was cashed, and by doing so, the XXXX XXXX agreed to the terms written on its face, enforceable by XXXX XXXX, XXXX mail # XXXX Sent : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my Transunion Report from, XXXX XXXX XX/XX/XXXX and XXXX XXXX on XXXX. I have disputed these items but they have not been removed. I did not apply for anything on either of these dates. I spoke with the XXXX XXXX XXXX and XXXX XXXX yesterday and they said they did not see where I applied for any type of credit on these dates and I needed to file a dispute with the credit reporting agency. 

I do have accounts with both companies but did not apply for any type of credit on these dates with either company. These inaccurate hard inquires reflecting negatively on my Transunion Credit Report.
Product: Money transfer, virtual currency, or money service

We were asked to send a wire transfer to pay some freight charges. We made the transaction at the bank. About one hour later we received a call from the bank stating the transaction had the characteristics of a fraudulent one.I asked the officer from the bank to cancel it. He told me it will cost {$20.00} and we respond to go ahead and cancel it. This transaction was for {$10000.00}. It was made on XX/XX/2018.We filed a claim but they just gave us a brochure with recommendations to made if we thought we were a fraud victim.
Product: Debt collection

They contacted me for a very old debt i had in XXXX  i took that out when i was XXXX XXXX XXXX. I started to pay it off they never once sent me a letter about the debt or have verified that they are the ones authorized to collect the debt. I asked several times for a letter to be either email or mailed to me for verification purposes but they declined and got an attitude and threatening to send someone to hand me some paperwork to go to court and be in Jail for non payment. There calling me non stop to pay whats left around {$400.00} something their name is Consolidated Management.
Product: Money transfer, virtual currency, or money service

I made a payment to XXXX at XXXX XXXX  and it said it will be available in 30 MINUTES, it is now the next day and my family still hasn't been able to get the money their in desperate need of. I called and that day and all phone lines where busy. I called the next day and an agent was rude to me getting straight to the point and rushing me and not even asking if I need anything else, at the end of the day my money has still not been sent.
Product: Mortgage

We have our house on short sale SPS is the servicer. I have 5 letters that say we could receive up to {$10000.00} in relocation assistance and have had XXXX or XXXX recorded conversations with SPS. Finally they have accepted an offer. I ask about the Relocation assistance and they now say I wo n't get it. When I ask why they say because I am not eligible. I ask why? all they say is if you do n't sign the papers as is then they will just forclose. When I talked to someone yesterday I ask if I could get it in writing that they say I am not eligible. As it is all I have in writing says I get it, and without A letter from them that says they are the ones that refuse the relocation money it would appear that I just signed off. All I ask was some proof in writing from them that I am not eligible. They flatly refused to give me anything in writing. That makes me think they are trying to hide something. The mortgage business is nothing more than paperwork, nothing is done word of mouth. 
If I do n't get the money OK I do want something in writing from SPS for my own protection.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :