23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

The 2015 XXXX XXXX truck under purchase from a XXXX, Texas dealership was returnedvoluntarily after contract for vehicle signatures were found to be forged to XXXX XXXX dealership financial group. Deal was extremely padded without my consent or authorization. Legal and binding signatures for myself and co-buyer were submitted tothe Office of Texas Attorney General for legitimate verification of my true and personal signature along with co-buyer. Harassing mail and phone calls for remaining after sale oftruck have come from NCB Management Services of XXXX, PA. They have become extremely belligerent in nature and disturbing. I am requesting immediate halt to their attempt to collect on a forged contract for vehicle purchase.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Debt collection

I noticed on my account, there is a XXXX account assigned to me.two things wrong with this, one I do n't have a XXXX account, Two I have never lived at the address assigned to this XXXX account. You can check my public records and see I have never lived at the stated address assigned to that XXXX account. I would like it investigated and removed from my records, please. 
Thank you and I look forward to the outcome of your investigation.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/2024 Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/2024, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially filed a disputes for some illegitimate accounts on my credit profile which where sent out via usps certified mail XX/XX/2022. The initial dispute was for Equifax to validate & verify the accuracy of the account in question. However more than 30 days have gone by with no reply/ update to my credit report from the initial disputes that were mailed. They where never picked up from the XXXX XXXX XXXX 
Tracking numbers where XXXX XXXX XXXX XXXX XXXX  : acct # XXXX I then immediately filed a FTC report for the illegitimate accounts on my credit profile. And submitted the disputes separately online on XX/XX/2022 & XX/XX/2022. I received results for the disputed accounts via Equifaxs online dispute center between XX/XX/2022 & XX/XX/2022. However 4 of the 6 disputes where deleted leaving me with 2 illegitimate accounts on my credit profile. I then resubmitted my dispute via online dispute on XX/XX/2022. I received the results on XX/XX/2022 stating that the 2 accounts that where left had still been Verified. I the. Submitted an additional dispute on XX/XX/2022 with a Re : Method of verification. My dispute was finished on XX/XX/2022 stating that the account was verified again. I was not provided with any proof of the verification for XXXX XXXX  : acct # XXXX. Also XXXX  sent me the account summary after I filed the ftc report with Equifax which has a complete DIFFERENT ADDRESS on file, which I received on XX/XX/XXXX!!!!!!!! Also on the dispute results that I received on XX/XX/2022 it stated that the identification and the address had been reviewed but there were no result of it! I have included all of the documents that I have obtained and that I have submitted to Equifax before. Which supports my claim!
Product: Credit card or prepaid card

M & T bank emailed be and said I would be receiving my new debit card in the mail, I received it to today and called the bank to tell them I didn't not open and account or request a debit card. When I first received the email, I reported it as phishing. 

The bank said it was opened in my name, with my ss # and correct address, they removed to debit/acct.
Product: Credit card or prepaid card

I can not access my Capital One account. I'm an American citizen but I am not currently in the US due to the coronavirus pandemic. I don't have access to a US phone number.

Capital One requires me to have access to a US phone number to access their account. I do not have access to a US phone number. I do not want to download a third-party app to access my account. Moreover, I have tried this in the past and Capital One did not accept me using an app from a third party to get a phone number. No other financial account requires me to have a US phone number to log in to an account. I can receive access either by verifying my email, SSN, or occasionally calling if I get locked out. This is true across multiple banks, credit unions, retirement accounts, and other credit card companies. Capital One is the only financial institution that puts up this artificial barrier.

This is a recent change in the past 30 days since I last paid my bill. Previously, I had the option to : verify with email ; verify with the APP ; answer security questions ; call the phone number to get access.

Now, the only way I can access my account is if I call the number. I can not log in to my account at all. They will not email me my statement, nor will they mail the statement to me because I'm not in the US. The only way I can access my credit card statements now is if I call the phone number and have them read each charge to me. I think this is unacceptable and is an excellent way for credit card fraud to go undetected because I can't physically read my statements to keep track of the numbers. Moreover, when someone tried to tell me account numbers over the phone today, they made an error in stating how much is currently charged on my account. I'm also concerned that Capital One will charge me late fees because I can't view account statements and I might miss payments because they refuse to provide me with papers regarding my credit card bills or provide me access to my account. 

Capital One billed me {$59.00} in early XXXX for the annual fee. I would like to cancel my Capital One account and have the unused portion of my fee refunded. I think this is fair because they changed the terms of the service, rendering it unusable and highly unsafe. I do not want to pay for a service I am physically unable to use that compromises my personal data and financial security. Capital One refuses to refund any portion of the funds. 

I am asking for help to either ( 1 ) receive full access to my Capital One account without the requirement of having a US-based phone number ; or ( 2 ) receive a refund of {$50.00}, which covers the 10 months of the year that I pre-paid for their service but am unable to utilize it. Unfortunately, I can't access any of the documents because I am unable to log in to my account, due to Capital One 's recently changed policies. 

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

I am applying for a mortgage my name is XXXX XXXX. my lender pulled a credit score on me in XXXX and now we are trying to pull it again and they will not allow me to pull it again. I have called them 8 times and they still will not release my score. I have verified there is no freeze on my account. There is no fraud alert on my account. my mortgage company still can pull my credit. 

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

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with 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 XX/XX/XXXX XXXX AND XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX  as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Experian for reporting fraudulent accounts on my personal credit report after being informed multiple times the accounts are result of fraud. I have provided them with a XXXX Police Department police report, as well as an FTC identity theft affidavit pursuant to the FCRA. 

After each dispute I have completed with Experian, they proceed to send me a letter that states, " the disputed items can not not be blocked due to not providing all pages of an identity theft report '' ( see this letter attached. ) I have provided ALL pages of my police report and identity theft report every dispute however they continue to send me this letter. It is very clear to me that Experian is trying to use stall tactics to complicate the resolution process ; which is very disturbing because I am sure they are aware of the crucial role they play in consumers qualifying for credit, loans and even employment, such as in my case. 

Experian continues to willfully and knowingly violate my consumer rights and have caused me a great deal of undue emotional and financial distress. I was denied an XXXX loan to repair flood damage that occurred in my home due to a storm in my area, I also as denied a promotion with my employer recently due to these errors which infuriates me. I have disputed these fraudulent items since XXXX, XXXX via mail and online. Each dispute resulted with me receiving a letter stating the above mentioned statement from Experian. 

I am stressed and exhausted to the max dealing with Experian. I have submitted an Attorney General complaint in each state Experian has an headquarters, California and Illinois today, as well as this CFPB complaint. I have also escalated my concerns to the the XXXX XXXX XXXX and his executive team by email. Taking this steps will be my last and final attempt to amicable resolve this matter. If it is not resolved promptly I will pursue legal action against Experian for violating my consumer rights and causing me a great deal of emotional and financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a legal suit against XXXX and Equifax because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.
Product: Student loan

I am on an IDR which did not require me to make payments, however I continued to make payments towards the  XXXX  stafford loans to lower the balance. As I am reapplying for the IDR, it has come to my attention that even though my checks which notate the accounts for which it is to be applied, half of my payments were applied to Loans I did not authorize to be applied.     For over 1 year I sent checks, through my bank, which notated each of the  XXXX  accounts. Navient states they are unable to help as the money has been processed and thus, unable to reverse. Over {$600.00} in payments have been mis-applied, which is horrific considering the difficulties to make the payments. I requested payments to be made on  XXXX  and  XXXX  loans, but were applied to  Student Signature Loans   XXXX ,  XXXX ,  XXXX .
Product: Payday loan, title loan, or personal loan

Foundation Finance : 1. doesn't specify interest rate, term, amount applied to Principal or amount applied to interest only.

2. Doesn't show the overall account balance going down from month-to-month 3. doesnt allow extra payment toward Principal each month. When I applied extra per month to my amount due it only reduced the amount due the following month vs. allowing an option to reduce the Principal amount.

4. I initially tried calling Foundation finance after the first statement or two to address the gaps in the critical details on my account statement and their customer service agents have no idea how to answer any basic questions about the account statement.

5. As you can see from my attached monthly statements the Principal amount doesnt reduce from month to month. Granted I understand the loan will be front loaded with interest, but to see no reduction month to month. I've never had a loan like this one. 

The lack of detail on their account statement seems almost predatory. I am requesting CFPB 's help to address these critical gaps with the lender.
Product: Debt collection

I received an initial communications letter from XXXX XXXX XXXX XXXX on Monday XX/XX/2021 stating they are trying to collect a debt that I do NOT recognize. On XX/XX/2021, well within 30 days after receiving their letter, I sent them a letter to the stated correspondence address disputing the validity of the debt and requested validation of the debt. The letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. On XX/XX/2021 I sent them a follow-up letter notifying that they have failed to validate the referenced debt and that they are still reporting the account as valid in violation of the FDCPA. Again the letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. The collections account has been continuously reported and is still currently, credit report shows the account was updated XX/XX/2021, being reported on my credit reports as a valid collection account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ) XXXX. XXXX  ( Account Number : XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Student loan

I had gone into bankruptcy XX/XX/XXXX. At the time XXXX XXXX was my provider. When my bankruptcy was up XX/XX/XXXX/XX/XX/XXXX, I never heard anything from XXXX XXXX. Finally, XX/XX/XXXX ( or so ) I was starting to receive e-mails about my student loans, requesting me to respond if I wanted them to go into forebearance. I never received any information that Navient was my provider, so I deleted the e-mails. When I did finally respond to the e-mails, they explained they could n't discuss it through e-mail. So, I called, and when I called, I inquired about the teacher forgiveness program. They asked me why I had n't been paying and I explained I had n't been receiving anything. They asked me if I wanted to put my loan into forebearance and I explained yes, because I was n't aware money was due. They said they 'd send me information about the teacher forgiveness and took my address down. After about XXXX weeks of not hearing or receiving anything, I contacted them again. They took my address again and said they 'd mail me. This time, about a week or two later I received the application for teacher forgiveness, which I filled out and sent to my district office to complete ( human resources ). They explained that it was mailed out XX/XX/XXXX. At about this time, I also started to receive e-mails again asking if I wanted a forebearnce on my loan. I went and paid XXXX months that they said I owed for, about {$100.00}. They inquired about why I was late and I explained it was because I had n't received anything. The confirmed my address, and despite having received the forgiveness application, they had deleted the new address from the system and so they updated it again. To date, I still have n't received a bill or anything from them in the mail, nor have I received infrmation about if my teacher forgiveness was approved/denied, or whatever ... ... .I 'm rather irritated as I am trying to fix my credit and I 'm hearing nothing from a company that I have given my new information to multiple times now. I 'm trying to make matters right, to fix my credit, but their shanagins seem to be holding me back from succeeding in getting rid of my bad credit history.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I just got a phone call from " Credit Judgements '' saying I 'm in default for a payday loan I took out in 2012 from the XXXX XXXX XXXX. 
I have taken out a payday loan in the past, but I 'm pretty sure that it was paid. 
I explained to them that I have never gotten anything in the mail and I asked them to send me information so I could research the validity of this claim. They refused to send me information and that I could take care of it with a credit/debit card or if I did n't do that, I would have to wait for a court summons and get an attorney if I wanted to fight it. 
Again, I asked for proof of debt to be emailed or mailed to me and they would not send it. 

Company name & address : Credit Judgments XXXX XXXX XXXX XXXX, NY XXXX Contact : XXXX
Product: Checking or savings account

On XX/XX/2022 my USAA checking account was hacked 3 times. XXXX. {$500.00} Debit card purchase of crypto currency from XXXX. XXXX. {$500.00} ACH withdrawal XXXX XXXX. XXXX. {$1100.00} ACH withdrawal to purchase crypto currency from XXXX. 
I did not authorize any of these transactions and I was not notified that they were taking place. 
USAA has reimbursed the XXXX withdrawal but they will not reimburse the debit card hack of {$500.00} or the ACH hack of {$1100.00}. 
USAA claims that they notified me by text that the transactions were taking place. I do not have any text dated XX/XX/2022 from them regarding these transactions. 
USAA claims they researched my claim and they concluded that I had authorized these transactions. I did not. A sophisticated hacker used my identity.
Product: Debt collection

A phonenumber claiming to be Wakefield & Associates calls repeatedly telling me that I owe money on a debt. This debt is not in my credit report, and they have never sent me any notice of this debt prior to the calls. They have been calling me for months. When I asked for verification and additional information on the creditor, I was given very vague answers and told to send a request via email. Never received a reply. They are still calling. They also have incorrect information about me. I keep track of my medical debts and have a good credit score. You would think they'd be willing to provide information about the debt if that's all it would take for someone to pay it ... Sure does make it seem like a scam!
Product: Credit reporting or other personal consumer reports

I dont recognize these companies that have posted hard inquiries on my credit report. I dont know who they are and Ive never given them permission to use my personal information. Please kindly remove the hard inquiries mentioned below. 

XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX 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