23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX, XXXX, XXXX XXXX XXXX Balance XXXX {$3500.00}
Product: Credit card or prepaid card

I pay all the monthly fees without being late. Last week my card didn't go through and when I call the agent said my card was closed. I asked the reason but she said that no additional information is on my file. When a credit card closed a credit card, my credit score will be affected. Since I am paying the monthly fees and the USA and the whole economy are going through an unprecedented times this practice is not correct for consumers. Credit cards have a social responsibility and start closing accounts and put customers in more difficult situations is not correct. 
My card didn't have any pending payments. I made the payments on time
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with Equifax, XXXX, and XXXX  regarding items on my credit reports. Equifax claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately XXXX/XXXX/XXXX. After concluding their investigation XXXX/XXXX/XXXX XXXX agreed with me and deleted the item ( see enclosed letter ). 

On XXXX/XXXX/XXXX Equifax claim to have investigated and VERIFIED this item by means of XXXX! 

EQUIFAX, XXXX, AND XXXX show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$38000.00} XXXX XXXX  XXXX Balance {$46000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX account reporting on Equifax XXXX XX/XX/2022. I have made at least two request in the past 75 days for equifax to delete this XXXX account because of the inaccurate information its reporting. The inaccurate information is the months reviewed which is showing 53 months. However this account was opened on XXXX XXXX. The delinquent date is XXXX XXXX. If you count the months starting 30 days after the OPEN date up til XX/XX/2022 is not 53 months! It is 65 months of reporting/reviewed information. And this acct was SOLD but it does not show who the charge off account was SOLD TO as it should! This account does NOT MATCH with the reporting information on XXXX or XXXX. But They are STILL reporting this inaccurate information which has been on my report at least 3 years. This acct is affecting my credit score and have been the reason for me being denied credit. Please take this complaint seriously by contacting this Equifax and making them DELETE this account because they are not reporting according to the guidelines of the FCRA. Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX, I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past 5 months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.
Product: Debt or credit management

I inquired about insurance through XXXX decided to not go with XXXX because they wouldn't provide documents or policy cards after I paid them so I dropped it and I went to XXXX XXXX with my new vehicle now I got a letter in the mail from Southwest credit system saying that I owe {$75.00} through XX/XX/XXXX when I incurred their services and XXXX paid the first full month and then dropped it because they wouldn't provide documents now they're trying to charge me
Product: Money transfer, virtual currency, or money service

Coinbase fraud. How are they still getting money from people? I am one of many ( according to on-line sources ). To not receive funds. What are the options?
Product: Debt collection

AFNI collections have been calling and harassing me for months, seeking someone I DO NOT KNOW, despite me telling them numerous times and writing them as well to inform them of the same! Most of the calls come from XXXX. The latest call occurred XX/XX/21.
Product: Mortgage

I'm filing this complaint because my mortgage company has charged me {$270.00} for a lapse in flood insurance coverage. This lapse did not occur. I provided documentation multiple times that validated that I indeed had proper insurance coverage with no lapse. They acknowledged that there was no lapse and I was told a refund would be applied to the escrow. However, after multiple conversations ( in which I was told multiple times that a refund would be issued ), I have not received a refund. The charge was taken from my escrow on XX/XX/22. I was told a refund would be applied within 5 business days. I was told this multiple times by multiple representatives. It has been well over 20 business day. I have not received a refund.
Product: Mortgage

XX/XX/24 Our loan was transferred from Shellpoint/ NewRez to XXXX XXXX XXXX We started getting late notices and Late fees on our account from XXXX XXXX  due to funds not being forwarded from NewRez. We made XXXX extra payments that can not be accounted for by New Rez or XXXX XXXX. One of them may have misapplied to principle by NewRez on XX/XX/24. A payment XXXX to NewRex and from an auto draft on XX/XX/24 that can not be found by either party. A payment XXXX made online to NewRez on XX/XX/24 to balance a short payment is lost in the wind. 
We have done our due diligence by trying for 60 days to straighten the payment processing and proper application, phone call after phone call with XXXX XXXX  and Shellpoint/NewRez ( Shellpoint/NewRez does not have a customer contact line that can be easily accessed after they transfer your note ), extra payment after extra payment to keep current. 
All I am asking for proper application of payments made, and an accurate accounting of and where they were applied. 

I can provide documentation from our bank showing the payments and dates on our end. The servicers have not been able to provide accounting.
Product: Vehicle loan or lease

We purchased a XXXX XXXX XXXX inXX/XX/XXXX.  The loan was purchased by XXXX XXXX inXX/XX/XXXX. Account number XXXX. The balance at that time was XXXX ( see attached payment history ). The current balance is XXXX. The payments are just under XXXX per month, that would be XXXX payments through XX/XX/XXXX. We have had XXXX skipped payments which leaves a total of XXXX payments of XXXX a total of XXXX paid. 
I understand fees and interest but to have paid XXXX on a loan with the beginning balance of XXXX and the balance has only dropped XXXX is unbelievable. Due to these facts we are voluntarily surrendering the vehicle. We will never be able to pay it off at this rate. 
I don't want to be responsible for the balance of the loan after XXXX sales the it. 
What legal action can I take. Is there a class action suit I can take part in.
Product: Credit reporting or other personal consumer reports

Ref CFPB complaint No. XXXX Subject : Demand for Deletion of Inaccurate Account Reporting by XXXXXX/XX/XXXX I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) of evidence that demonstrates the inaccuracy of reporting by XXXXXX/XX/XXXX on my consumer report. This evidence not only highlights inconsistencies but also directly conflicts with the information being reported, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Charged off credit card acct no ending XXXX Consumer Report Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX CFPB Report Reference Number : XXXX Disputed Account : XXXX XXXX XX/XX/XXXXXXXX ) # XXXX Evidence of Inaccurate Reporting : I have obtained documentation and records that prove the reported information regarding the above-mentioned account is inaccurate and does not reflect the true status of the account. Furthermore, conflicting evidence exists that challenges the validity of XXXXXX/XX/XXXX claims and the reporting accuracy. Despite providing this evidence during prior disputes, the inaccuracies have not been corrected. 

Violation of FCRA Guidelines : Under the FCRA, consumer reporting agencies and furnishers of information are required to : Conduct Reasonable Investigations : Failure to properly investigate disputes violates 15 U.S. Code 1681i ( a ), which mandates a thorough and reasonable investigation into consumer disputes.

Ensure Accuracy of Consumer Reports : Reporting inaccurate or unverified information contravenes 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum accuracy of the information. 

Given the evidence provided, the continued reporting of inaccurate information is unlawful and unjustified under FCRA guidelines. 

Demand for Resolution : Based on the clear violations outlined above, I demand the following : Immediate Deletion of the Account : The inaccurate and conflicting reporting by XXXXXX/XX/XXXX regarding this account must be removed entirely from my consumer report. 

Notification of Corrective Action : I request written confirmation once the deletion has been completed and my consumer report has been updated to reflect the correction. 

Request for CFPB Intervention : I urge the CFPB to take immediate action to investigate this matter and enforce compliance with FCRA guidelines. It is imperative that XXXX XX/XX/XXXX and the credit reporting agencies involved are held accountable for their failure to ensure accurate and fair reporting. 

Thank you for your attention to this urgent matter. I trust that the CFPB will address this issue promptly and take the necessary steps to protect my rights as a consumer under federal law. Should you require additional documentation or evidence to assist with your investigation, please do not hesitate to contact me directly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Smart Finance is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Smart Finance the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Smart Finance whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Smart Finance Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

This collection and account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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. 

I attached proof.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove the following items 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions or concern.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: name and address not mine XXXX XXXX XXXX XXXX  NAMES REPORTED
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  LA
XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA
XXXX  
FCRA Violation: credit card never late
XXXXTHE

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am formally lodging a complaint against EXPERIAN for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the relevant statutes and stipulate the necessary corrective actions : 1. Inaccurate Bankruptcy Reporting : EXPERIAN has erroneously listed a bankruptcy on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions.

2. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( 4 ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect bankruptcy information, EXPERIAN is in blatant breach o
f this statutory protection.

3. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( 2 ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate bankruptcy information without due diligence and accurate verification flouts compliance with this regulatory requirement.

4. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, EXPERIAN has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates.

The inaccurate and unfounded reporting of bankruptcy by EXPERIAN is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report. 

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

SINCERELY, XXXX XXXX XXXX XXXX