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

When I reviewed my credit report this morning, I was shocked to see accounts that do not belong to me. I dont know how or why they appeared, as I check my report frequently and have never encountered such issues before. I even attempted to refresh my browser, thinking it was a simple glitch, but the incorrect accounts remained. Because of this, I am requesting a thorough verification of the documents Ive provided to prevent future worries about this matter.
Product: Debt collection

Hello my name is XXXX XXXX, I am writing you because AFNI creditor is showing up on all three of my credit report. It is a XXXX XXXX XXXX bill in the amount of {$100.00}. I pulled my credit report a couple of weeks ago and I noticed this collection in my credit file. I called AFNI because I never opened an account with XXXX XXXX XXXX. The account is under XXXX XXXX and my name is XXXX XXXX. I have called several times trying to get this issue resolved. To add insult to injury the representatives I spoke with were extremely rude! This is not my collection account and it is ruing my livelihood. I am a victim of " IDENTITY THEFT '' I also a victim of Hurricane XXXX. I lost everything I am trying to get my life back on track. I am asking you to please assist me in this matter. This is not my collection and it is not fair for this collection to be reporting on all three of my credit reports.
Product: Credit card

I have a chime builder card and filed a dispute with chime for 5 unauthorized transactions on XX/XX/year> was told claim will be done by XX/XX/XXXX and now it's XX/XX/XXXX contacted chime support multiple times for them to say that there going to send a message to the investigation team have not received a email or any message from the investigation team and was told there's nothing else they can do
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid i have been out of work from XX/XX/2020 still until now husband caught XXXX from work and every family member got sick we all are not working. 
I check my credit report and i have 101 late payments on my credit file. all during covid ihave had my credit go from XXXX to a XXXX. I wrote all the companies telling them im not working due to underlying medical conditions and XXXX XXXX XXXX XXXX XXXX  with XXXX, its a high risk position so i have been out. XXXX XXXX -- reported me 13 times late XXXX  XXXX -- reported 7 times late, Capital One XXXX -- - reported me 21 times late, Capital one credit limit XXXX XXXX -- reported 16 times late, capital one XXXX -- reported 10 times late, XXXX XXXX XXXX reported 4 times late, XXXX   XXXX  XXXX -- -reported 10 times late, XXXX XXXX XXXX XXXX XXXXreported 8 times late, Capital one XXXX -- -reported 15 times late and possible could be the same accounts reported duplicates. I have 101 late payments and this is preventing me for getting any help. SBA just denied me by this information from XXXX, XXXX  and XXXX. All these compnies need to remove every late fee from XX/XX/2020 until Now. The president signed into effect the cares act and i can not get any assistamce due to my credit report entries of 101 late payments by companies listed above.
Product: Vehicle loan or lease

When I spoke to Bridgecrest in XX/XX/XXXX, I was informed that my last payment would be XX/XX/XXXX. Once that payment was made I would receive my title. I made the last payment In XX/XX/XXXX. I waited a week to call to confirm that everything was fine. I was told by a rep that I still had a balance of XXXX XXXXXXXX. I informed them that was not what I was told, they confirmed that information and said I dont know why you were told that. I was then told if I didnt pay the XXXX XXXX within 90 days my car would be repossessed and the account would charged off. I asked why wasnt I informed of the balance and the rep said we dont inform you of that. Now I have less than 90 days to figure out how to pay XXXX XXXX that I didnt know I owed nor do they have a explanation for the balance.
Product: Debt collection

I am writing concerning my experience with Capital One Bank. Theres concerning marks reporting derogatory in my credit files that I would like to have removed. This account was fraudulently opened in my name. I have contacted this company on several occasions with no return notice of acknowledgement. I received my credit report profile from the 3 major reporting credit agencies today on XX/XX/XXXX. Unfortunately, Im showing a credit card account that was opened in XX/XX/XXXX and charged off in XX/XX/XXXX. I am asking that this be deleted from my credit profile as this account does not belong to me. I have a Police Report, a Federal Trade Commission Identify Theft Report and a screenshot of the listing on my report. Ive made several attempts to solve this issue.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XX/XX/XXXX. Within question pertaining to account in default setting seeking transfer on Financial Credits still attached to the account linked with automobile. Upon diplomatic means of discussing matter with my contract and account with XXXX XXXX XXXX to inform them that the interest request from my behalf back to them to be applicable to the account. With much hostility received from XXXX XXXX XXXX a heaviness of willingness to misinform with the grounds of the contractual agreement between. Lack of understanding towards the security interest giving back to the XXXX XXXX XXXX to handle all debt related. I have reached out to XXXX XXXX Serviced to only be handle with for less then my Capacity to engage in contracting. A down payment in cash was supplied to Global lending services on the date of signing XX/XX/XXXX XXXX the contract required cash or credit upon further investigation it wasnt required. XXXX XXXX other fees in total XXXX. None the less the is a direct violation to contract XXXX as very much so. I still would do business with XXXX XXXX XXXX in XXXX with in the ground of our obligation to the account in XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian regarding inaccurate and incomplete information on my credit file, as well as unauthorized inquiries. Despite providing all relevant details and documentation, Experian has failed to respond to my new dispute in a timely and appropriate manner. 
Their lack of action violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must investigate disputes and respond within 30 days. Additionally, I am concerned about the continued presence of unauthorized inquiries and inaccurate information on my credit file, which negatively impacts my credit score and financial standing.

This lack of responsiveness is unacceptable, and I am seeking CFPBs assistance to ensure Experian complies with its legal obligations. 

Attached will be the copy of my disputes that I have delivery signatures that show they received them and how they chose not to respond Also on attachment the amount of times and the dates on which they sent me same response via email after a couple tries at disputing I also want to bring to attention about the reporting of an account report on my credit file XXXX XXXX # XXXX where there are all inaccurate and missing information that doesnt match my records but they continue to report this account as verified. I know this account is not varied because I reach out to get the date of this account and doesnt match what on Experian reports. One of the biggest errors is that it reports as a charge off til XX/XX/year> but the last payment was in may how could it still report after last payment day as charge off? This inconsistency is a strong suggestion this account is inaccurate. 
Attached is also documentation to show my concerns.
Product: Mortgage

Inappropriate Fee - NEEDS TO BE REMOVED FROM MY LOAN ACCOUNT - Other Charges And Fees of {$1800.00} When I inquired as to what these fees were, I was informed that the fees were XXXX XXXX XXXX XXXX XXXX 's ) attorneys fee from filing a claim in my bankruptcy filed on XX/XX/XXXX, after the XXXX DOJ loan forgiveness modification agreement was implemented. I was current with my XXXX loan. I filed bankruptcy to resolve issues with another financial institution. 

The Federal Bankruptcy Case ( Maryland ) was # XXXX. XXXX, through XXXX XXXX, only submitted 3 documents to the US Bankruptcy Court, Maryland see attached, along with the bankruptcy docket : XXXX. Notice of Appearance XX/XX/XXXX ( Docket # XXXX ) XXXX. Objection to Confirmation Plan XX/XX/XXXX ( Docket # XXXX ) XXXX. 2nd Notice of Appearance XX/XX/XXXX ( Docket # XXXX ) Looking at the Bankruptcy docket, XXXX never submitted the paperwork to make a claim after initiating the process in my bankruptcy, as they informed me. After the 2nd notice of appearance, there was not any further action by XXXX. 

Also, looking at my XXXX Credit Report, XXXX reports the Status as Transferred, closed, Never late. The fees MUST BE removed immediately. NOTE : The bankruptcy ended on XX/XX/XXXX, having nothing to do with XXXX. ( See the XXXX Credit Report attached. ) ***NOTE : The Consumer Finance Protection Bureau ( CFPB ) and Associated Press ( AP ) both reported on XX/XX/XXXX on XXXX XXXX CFPB reported XXXX was to pay a total of {$90.00} XXXX in penalties to the CFPB and {$60.00} XXXX in penalties to the OCC for wrongful practices across the banking system including, but not limited to, double-dipping, falsifying records, etc. The AP reported XXXX XXXX XXXXXXXX hit with $ XXXX in fines and refunds for double-dipping fees and fake accounts. 

For more details, please click here CFPB Takes Action Against XXXX XXXX XXXXa For Illegally Charging ..../ AP-XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in fines, penalties for 'double-dipping " fees, fake accounts ... - see attached. 

Also, the XXXX DOJ loan forgiveness modification that I received in XXXX was as a result of DOJ settling with XXXX XXXX XXXX  for financial fraud with mortgages. Click XXXX XXXX XXXX see attached from XXXX.
Product: Mortgage

Hello, we have big problem again, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given.

We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed and faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. Mr. Cooper keeps prolonging this process. Mr Cooper now are saying that have all documents received for a review but they still have our home under a foreclosure sale and recently they said they put the sale on hold but different representatives keep telling us different information one says ins on hold the other says its still on sale but after reviewing and calling the trustee its still on for sale, seems to me some of the representatives are trying to manipulate and get me false information to think that everything is ok but its not according to the trustee nothing has been stopped or placed on hold.

If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. We sent them all documents and are in review at the moment but why have they not yet removed the foreclosure sale.

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

On XX/XX/2019 I requested to have a few items that you are listing on my report as accounts related to my social security number verified. You claim that they were verified. I sent a second and third request to have all the items verified that you are posting. 
You claim that you verified these items listed : XXXX XXXX XXXX : account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : account number XXXX. I have contacted the companies listed and one states that they can not verify that the account as mines and have submitted a request to have the item removed. The other submitted documents that I have never seen before and were incomplete. Under the guidelines of the FCRA you are in violation. 
Please verify all the items you are posting on my credit profile as it is required under federal law as I do not have any record of such accounts and would appear to be a victim of Identity theft. 

Best regards, Mr XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Debt collection

I am filing a complaint because my creditor is reporting late payments on my account number : XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15 U.S.C. 1681i ( S ) ( 2 ) ( A ), furnishers must report accurate information under 15 U.S.C. 1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted Transunion on XX/XX/21 and XX/XX/21 about removing/Blocking/Deleting 3 accounts from my consumer report.

Pursuant to the FCRA 15 USC 1681a ( 2 ) under the Exclusions section it states : The term consumer report does not included ( A ) ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. Also under the exclusions section in the FCRA, 15 USC 1681a ( B ) it states : any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Pursuant to TILA 15 USC 1602 ( k ) " The term Credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining property, labor, or services on credit. Transunion has failed me as a consumer and violated my consumer right by allowing this information to continue to be furnished on my consumer reports, which has caused me great financial harm Also in response to my previous communications with Transunion, an investigation was allegedly administered. Pursuant to the FCRA 15 USC 1681a ( e ) it states : " The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such information. However, such information should not contain specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ''. To this date Transunion has never interviewed any of my neighbors, friends, relatives, or associates in relation to furnishing a consumer report in my name. Transunion has only received information relating to those accounts from the creditors and the creditors only which is another Violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX date- XX/XX/XXXX XXXX XXXXdate- XX/XX/2022 XXXX XXXX XXXX XXXXdate- XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I received a copy of my XXXX credit report and found the following item ( XXXX ) to be in error XXXX XXXX XXXX Date- XX/XX/2022 received a copy of my XXXX credit report and found the following item ( s ) to be in error : 1 : XXXX XXXX XXXX XXXXt- dateXXXX XXXX : XXXX XXXX XXXX date- XX/XX/2022 XXXX XXXX XXXX XXXX XXXX- date- XX/XX/2022 XXXX : XXXX XXXX-date- XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Remove Employer : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to put in an application for a rental property. And I was told I was denied because I have delinquent rental accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are no accounts tied to any of these inquiries. If they are a matter of factual record I would have a account listed on my report. I have requested and disputed all of these unauthorized inquiries so many times I lost count. There have been countless CFPB Complaints field and yet not a single item has been corrected. I contacted each credit that reported the information and they ALL stated they never received a request to verify any item. Therefore the credit reporting company is verifying these inquiries with some alternate furnishers.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  Account XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

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

Tried to get them to mail me information on accounts thats been supposely brought out by other lenders with the dates that they were brought
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 u.S.C 1681 section 602 A.states I have the rights to privacy. 15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my report from a company XXXX and XXXX the info is not correct I have had my wages garnished since 2018 for this and its not been updated and shows I owe a higher balance and a negative balance and late payments its wrong
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off CAPITAL ONE ACCOUNT ENDING XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 
XXXX. **Absence of Form XXXX : I was not provided with Form XXXX for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance. 
XXXX. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.