23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My name is XXXX XXXX and on XX/XX/19 at XXXX pacific standard time I had a field agent as he described from Flagship Credit Acceptance come to my door to speak to me about my vehicle. I currently was not home as I was tending to a family emergency. The individual was able to contact me through my intercom as it is linked to my cell phone. We exchanged phone numbers and he then called me at XXXX which is again well before XXXX the legal time to call or visit me at my place of residence. 

The field agents name was XXXX, very kind but he did break the FDCPA when he came to my place of residence at XXXX. He dialed from what i assume is his Cell Phone. 

I have been trying to refinance my car because the interest rate is to high and I have tried to lower my payments and have been denied. Flagship Credit Acceptance has violated the FDCPA when the agent came to my door this early and had me panicked. Something needs to be resolved as I know there are stiff penalties for this type of violation. Please look into this matter, if it is happening to me, its happening to others. 

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

XXXX XXXX THEY PUT TWO ACCOUNTS ON MY CREDIT REPORT I OPENED ONE AND HAVE NEVER CHARGED ANYTHING THE THEY HAVE ANOTHER ACCOUNT ON MY CREDIT REPORT SAYING I OWE {$300.00} AND SOME DOLLARS THIS IS NOT MINE PLEASE DELETE
Product: Credit reporting or other personal consumer reports

XX/XX/year> I reach out to company ask to remover and show me how I owed them anything, no response!! I contact XXXX and they removed it and it re appeared a month later with same debt and more by XXXX and Jefferson capital. I honestly dont believe none of this was investigated cause debt not mine nor have I ever done busswith these companies and they refuse to send me proff of debt or anything for that matter
Product: Credit reporting or other personal consumer reports

I am writing to follow up the ongoing issues related to the correction of late-opened accounts under my name. Despite making these attempts to rectify these discrepancies, the problems persist, and my accounts remain incorrect. This situation is causing significant inconvenience and frustration. 

The inability to correct these late-opened accounts is impacting my financial management and overall trust in your services. I request an immediate and comprehensive review of my case. I would appreciate a prompt and effective resolution to this matter, including : A thorough investigation into the repeated failures to resolve my issue. 
Clear communication regarding the steps that will be taken to correct the accounts. 
A timeline for when I can expect this issue to be fully resolved. 

I trust that you will treat this matter with the urgency and seriousness it deserves. With this, I am asking for your assistance to correct the accounts : 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
Product: Mortgage

Mr Cooper request 30 days of income. I provided XXXX check stubs from my employer ( it was sent in XXXX separate PDFS cause it was a big page and XXXX weekly pay stubs to show a months worth of income. XXXX XXXX [ per send sit back to me saying the information in invalid Also they HOW IS MY PAYMENT MORE IF I COULDNT AFFORD XXXX how can I afford XXXX
Product: Debt collection

In XX/XX/XXXX I co-signed for an apartment for my daughter and son in law. In XX/XX/XXXX they renewed their lease and while my name was on the lease, I did NOT sign the lease for XXXX. My daughter signed my name. The management XXXX XXXX XXXX at the apartment complex were notified and had another lease corrected so my name would be taken off. They know I didnt sign this lease. 

In XX/XX/XXXX my daughter and her husband were evicted because they both lost jobs due to covid. 

This is not my responsibility and the management of the apartment complex have acknowledged it wasnt my signature or responsibility yet its on my credit report. Ive disputed this and its been verified as correct. Its not correct.
Product: Credit card or prepaid card

XX/XX/2020 I called into Victoria Secret to add a authorize user on my credit card account. I was told I am not allowed to add a user due to my account being too new. I advised the rep I did not read that in the terms and conditions and I was able to add a authorize user two days ago and the rep rushed me off the phone due to the call being near closing time. I spoke to a Sr. Rep XXXX rep number is XXXX he stated by law their not allowed to add a authorize user to the account for the first 30 days. I asked where in the is that stated in the terms and conditions? XXXX stated its in a newer version not the version online. XXXX continued to give me the run around I then asked to be transferred to his manager. I  spoke with XXXX who stated their not allowed to give their full rep id out only the last four # XXXX, XXXX advised that is not in their terms and agreements its just a extra security measure their deciding to take on my account. I asked XXXX is this just my account he stated yes. I told XXXX that is showing prejudice against my account. I asked him if he could send me out that information or direct me to their website where it states you have to wait 30 days before you can add a authorize user. He stated no its not in writing its just a measure they are taking. However he told my daughter my credit line without asking me. I am not pleased with the way my account is being handled. I have NOT use this card and yet my account is being flagged and targeted. Once I was approved for my card I was offered for the same opportunities as their XXXX dollar customers I expect the same treatment. I will be filling complaints with each entity/agency!
Product: Credit reporting or other personal consumer reports

I initiated communication with XXXX  XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter along with their response, two documents providing opt-out laws and their definitions, and a copy of the account details from all three reporting agencies. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saving account opened then closed with negative balance added, card was deactivated and account was in negative. This issue wasnt taken care of correctly.. I received an email it closed when issue wasnt resolved. Information was incorrect.
Product: Debt collection

Noticed an authorized account on my credit file from COMMONWEALTH FINANCIAL in the amount of {$110.00} with an account number of XXXX.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, My XXXX  and I discovered some accounts on our credit report that did not belong to us, we I did not open any of them, since then we have been dealing with an issue with Identity Theft. On XX/XX/XXXX, we individually to started to dispute these accounts with the Credit Bureaus, after a few months, on XX/XX/XXXX, we went to file an Identity Theft Police Report, after a few weeks we got the report, since then I have been disputing these accounts over and over with the Bureaus, unfortunately, there is still an account remaining that for some reason the Bureaus refuse to remove, even that I have that account listed on the Police Report.
Product: Credit card

The XXXX XXXX  ending in XXXX was taken out without my authorization and used for purchases and charges without my consent. and not paid and has affected my credit report in all bureaus. I contacted the XXXX XXXX  company and had them close the account and they said that I was not liable for any of the charges and they would get my credit report fixed which has not happened as of this time.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft with XXXX and the credit bureau is releasing inaccurate information on my behalf that doesnt not belong to me..
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( 11/17/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I contacted the company on XX/XX/2018 via certified mail and requested my signature as proof of contractual obligation to pay debt. Company sent me back on online printout/statement. 
On XX/XX/2018 I again sent them a request via certified mail stating : I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The company again told me the debt was verified with no proof of signature or any response as to who verified the debt. Nothing as of yet from company and they are still reporting the debt negatively on all credit reports. stating I owe {$14000.00}
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The finished my payments with Discover Student Loans in XX/XX/XXXX. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/XXXX.

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/XXXX and it is now XX/XX/XXXX. My credit score and report are negatively effected because of their negligence. They are a hundred million dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and falseinformation consists of credit card account 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  - This inquiry was not authorized- Please delete immediately. 

XXXX XXXX - This is incorrect- Please Delete immediately. 

XXXX XXXX - This is incorrect- Please Delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see verifiable proof ( an original consumer Contract with my signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS BEING REPORTED ON MY CREDIT ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TOTHE ACCOUNTS THAT ARE BEING DISPUTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian failed to provide proof and or documentation as per FCRA that I was ever late on this account. Please see attached
Product: Credit card

I have been getting notified that I got approved for car loans and credit cards that I didnt do. I also seem my credit go up and down now I can not access my credit report such as XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send transunion several letters disputing the following inquiries 1.XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX-XX/XX/XXXX 6. XXXX XXXX-XX/XX/XXXX 7. XXXX-XX/XX/XXXX 8. XXXX XXXX-XX/XX/XXXX Transunion is reporting these inquires on my credit report and refusing to remove them. They are reporting not yet proven compliant information. TransUnion has detailed on my credit report reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights instead of marking dispute on these errors after sending several dispute letters instead TransUnion ignored my letter. I informed them that I did not authorize anyone employed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2024 Notice of Illegal and Fraudulent Reporting of Inaccurate Information on Credit Profile To Whom It May Concern : I am writing to address the illegal and fraudulent reporting of inaccurate information on my credit profile. It has come to my attention that there is a bankruptcy listed on my credit report, which I did not consent to and is not accurate.

The discrepancy identified is as follows : XXXX : A bankruptcy filing has been reported on my credit profile, indicating that I have filed for bankruptcy. However, It is not legal to have such information on one 's credit report without their approval or knowledge. 

I have taken the following actions to address this discrepancy : 1. I contacted the bankruptcy court to verify if any bankruptcy filings had been made in my name. The bankruptcy court confirmed that they have not reported or verified any information on such filings under my name or Social Security number.

Based on this information, it is evident that the bankruptcy listing on my credit report is inaccurate and has been fraudulently reported. I demand that this misinformation be removed from my credit profile immediately to prevent further damage to my creditworthiness and financial standing.

I request that you conduct a thorough investigation into the origins of this fraudulent reporting and take appropriate action against any parties responsible for perpetrating this illegal activity. Furthermore, I expect written confirmation once the bankruptcy listing has been removed from my credit report.

Failure to address this matter promptly and effectively will result in further legal action being pursued to protect my rights and interests under the Fair Credit Reporting Act.

Thank you for your immediate attention to this urgent matter. 

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

I have submitted disputes by certified mail on XX/XX/20 and XX/XX/20. I requested verification of their investigation and only received credit reports with no changes. I notified each creditor that was disputed and was told each time that I needed to contact credit bureaus.
Product: Money transfer, virtual currency, or money service

I use https : XXXX ( XXXX by East West Bank ) . 

XXXX, I use my XXXX XXXX account transfer XXXX to another XXXX XXXX account via ach. 

Because my bank account balance was insufficient at that time, the transfer was not successful. 

Both the payee and the payers XXXX XXXX  account were frozen at {$6000.00} ( later, I recharged my bank account, so there is enough balance to frozen ). 

I asked XXXX XXXX customer service to confirm the payment status, unfreeze one of the accounts, and deduct the frozen money from the other account. 

Because both parties are XXXX XXXX accounts, I think it should be simple. 

The customer service of XXXX told me that the attribution of the remittance can be confirmed after the ach statement from XXXX. 

But after 7 months, they are still asking me to wait for the ach statement. 

I have been waiting for so long, I am almost impatient, I hope it can be resolved soon.
Product: Mortgage

I have been dealing with Bank of America for 5 years now with foreclosure proceedings. I have done XXXX applications since XX/XX/XXXX. All but XXXX have been denied either because they stated they were completed right, or signed in proper places, a box was n't checked or other issues. Each time they stated these things, I have gone back and seen that it was done. I kept each modification because I faxed them in and my lawyer faxed them in as well. 
In XX/XX/XXXX, we went to court and won a judgment due to the fact that they acted in bad faith. At that time I had only XXXX mod applications in. Intrest fees and attorney fees and late fees were dismissed and were not to be charges after a certain date. That still did n't help with money owed. We then went to conferences to get this worked out and get a modification. Still, even when in conferences, they kept saying not completed and missing paperwork and so forth. Kept denying us, even when my attorney explained to them all paperwork was there and filled out properly. The referee stated as well. 
So, we have put in XXXX application and XXXX denied. The XXXX modification they offered was at least XXXX to XXXX dollars more than we were paying for the regular mortgage. This all started in XX/XX/XXXX, when I tried to get a lower payment, and since I was n't behind my first case manager XXXX stated that we could get a 3 month forebarence. Then after the forebearence period we would be offered a modifictation. 
And would n't you know we were not offered a modification ... .. So even when working with an attorney for 5 years were still not getting anywhere. 
ON XXXX XXXX XXXX I HAVE COURT AND I 'M PROBABLY GOING TO LOSE MY HOME BECUASE THE BANKS CAN DO AS THEY PLEASE AND THEY DONT HAVE TO OFFER ANYONE A MODIFICATION. THE BANKS ATTORNEYS HAVE SUB MITED A SUMMARY JUDGEMENT DUE TO THE FACT THAT THEY STATE THERE IS NO TRIABLE ISSUES. I DONT BELIEVE THEY SHOULD BE DOING THIS BECUASE THEY ARE NOT ACTING IN GOOD FAITH. PLUS THEY DIDNT OFFER ME A FACE TO FACE MEETING BEFORE ALL THIS AND THEY BOUGHT MY MORTGAGE FROM PRECISION FIANCIAL. ALL I WANTED WAS TO GET A MODIFICATION SO I COULD AFFORD MY LOAN. THE BANK HASNT COOPERATED WITH US AND THEY HONESTLY DONT CARE THAT MY FAMILY AND I WILL BE HOMELESS IN A FEW WEEKS BECASUE THE INSIST ON NOT GIVING US A MODIFICATION WE CAN AFFORD. I DO NOT BELIEVE THAT THEY ARE FOLLOWING REGULATIONS AND BEING FAIR.