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

XXXX XXXX/REVVI XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Remove it from my credit report. XXXX and this creditor are both in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, XXXX and the attorney general as well. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXXREVVI can not supply this information and proceed to just continue reporting this fraudulent account ; directly violating my rights as a consumer that I am entitled to per the FCRA.
Product: Credit reporting, credit repair services, 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. 

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 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 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: Student loan

I 've been working with Navient Loans for over a year now trying to do forbearance and income-driven payment plan. They have requested I complete an application about four times and mail information to them. I 've followed their instructions and mailed all the requested paperwork to support my request and income verification. As of last week they continue to state they are not receiving the information. Now they are not willing to work with me and I can not afford the payments and this is affecting my credit and they are threatening to garnish my taxes and check.
Product: Credit reporting or other personal consumer reports

Continually get credit denials saying delinquent accounts when no accounts are delinquent and fraudulent accounts reporting as my account on credit bureaus when company was to remove information completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father was a victim of identity theft. Given his elderly state and increasing XXXX, I have been given Power of Attorney in order to help him resolve the issues he 's had. I placed a fraud alert on his credit and the police acted, resolving the situation. I now need the fraud alert lifted so that he can use his credit to be approved for housing. <P/>Experian has continually refused to give me any information about his accounts or allowed me to address the issues despite my repeated fulfillment of their requests to send them the legal Power of Attorney forms. They have given me several different avenues which have been contradictory and refuse to respond to any of my inquiries over their website or phone. <P/>I get a different explanation of what is required every time I contact them, and their online forms refuse to allow me to upload the documentation they require. They seem to be deliberately obstructing my ability to resolve the dispute in a reasonable timeframe. <P/>This has been going on for nearly 30 days, and I have yet to see any action on the part of Experian to resolve the situation.
Product: Credit reporting or other personal consumer reports

Contacted Equifax on XX/XX/year> and was notified that FTC Report Number XXXX was invalid by the mailing department. I have re-submitted another FTC report with complete information including account name, account number, and affidavit of statement with copy of drivers license and social security card to verify identity. I require equifax to block this information from my credit report within 4 business days of receipt from today XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, contacted TransUnion via certified mail from the USPS. It has been over 30 days and they are in violation of my consumer rights in addition to violations I listed in the affiliate. The law clearly states that the negative disputed information must be removed if an investigation is not completed in the 30 days congress set as the time frame. I am demanding all items i disputed be removed immediately. TransUnion is not above the law and must remove the items. They sent me a letter stating they that they were unable to locate a credit report ( consumer report ) for me. However This couldn't be true due to the fact that I enclosed a copy of my Drivers license and proof of address. Also TransUnion letter also contained my consumer file number on the top of the letter they sent and at the bottom of the letter for me to use to contact them. This was a terrible stall tactic that was used to knowingly and willfully continue to try to violate my rights as a consumer. Obviously you have my file if you have my file number.
Product: Credit card or prepaid card

On XXXX XXXX 2019 i qualified for a Capital one platinum  Master card and was told to pay XXXXdollars to get a secured credit card of XXXX dollars limit, i was again advised that i can get more if i pay higher deposit so i added XXXX dollar more which totalled XXXX dollars with Capital one bank to get a secured credit card Having used this card for a year, of XXXX dollar credit limit was increased so i applied for another credit card and qualified for Unsecured Savor card of XXXX dollar limit.now this two card were merged together by Capital One bank of Two cards One ACCOUNT. 
Using the card excellently my credit score raised to XXXX Fico score but i had a fradulent transaction on my account and inform Capital One and XXXX   Credit Bureaus to investigate my claim, After a Month they concluded the investigations. 
Capital One with XXXX  without my authorization closed my account that had been used for more than a year without no letter in the mail or permission. This action dipped my credit score and affected my score line. 
i called Capital one on XX/XX/XXXX to request information about my Secured Platinum   card which i paid XXXX dollar deposit for and they told me they close the account and can not issue me my money back because they said the account was reported as fraud My fight is that My credit card which have used for a long time with good credit history was erased with no permission and then they decline to refund me my security deposit i paid for the card which due to their fault also affected my credit score i am dutifully requesting this issues fixed with Capital One and my money refunded immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Equifax Credit Bureau. I have been in dispute with them regarding an open mortgage account with XXXX XXXX that should be closed. I have had over 20 phone conversations with representatives, tier 1 supervisors and tier 2 supervisors. I have even been on hold for an hour and 4 minutes with no response. I had  to call from another line while on hold to explain my frustration. I have been on the phone with Equifax almost every-day since XX/XX/2019. I am furious because this account was reported to all bureaus on XX/XX/2019. XXXX and XXXX   updated the accounts on XXXX XXXX and XX/XX/2019. How can these bureaus report the account correctly and Equifax still have it open. 
I was also told to reach out to XXXX so that they could send information over to them. I did reach out to XXXX. XXXX sent me a letter documenting that the account had been paid in full and that credit bureaus had been notified of this change in XX/XX/2019.  XXXX sent me the letter and I faxed the letter over to Equifax. 
I have been told to fax information over so that they could correct this account. I was told that if I faxed over my documents they would correct this immediately. I spent {$29.00} to fax them information to the fax numbers they told me to fax the information to and I was later told they should not have told me that information.The fax numbers that I was given are XXXX and XXXX. 
I have enclosed the letter that XXXX finance sent me and have also enclosed the official copy of the deed from the XXXX County Courthouse. This deed was transferred over to XXXX XXXX, the company who the home was sold to. 
I am simply asking that the account be closed. This has continued to negatively affect my credit. I found out about the discrepancy while in the process of trying to close on another home. Because Equifax has refused to close the account, I lost money on a home that was under contract and was unable to complete the purchase of the home due to Equifax reporting the account as open. I am furious because my credit continues to suffer and I lost the potential of owning another home. I am asking, no begging for some kind of assistance with this issue. I should not be in a situation where an account is paid in full and the credit bureau is refusing to correct the account. Please help me with this issue.
Product: Credit reporting or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to XXXX XXXX and Equifax about my concerns about the following account which is XXXX account ending XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I recently reviewed my credit report and noticed inaccuracies related to an account with a company called Kickoff Lending, a service I was previously unaware of. My credit report reflects a charge-off of {$82.00}, including a {$10.00} late payment, which is incorrect. After investigating the matter further, I learned the following : 1. Account Details : This is not a credit card or traditional credit product. When I signed up, {$2.00} was deducted monthly to be placed into a savings account to build credit. I closed this account after one year.

2. Unauthorized Charges : Despite the account closure, I was charged a {$24.00} subscription fee and a {$60.00} service fee, both of which were unauthorized.

3. Contradictory Statements : When I contacted the company, they informed me that these charges did not need to be paid and were not expected to be paid. Yet, my credit report reflects a balance of {$84.00}, which has been charged off.

4. Errors in Reporting : It appears the account was not properly closed by the company, unauthorized charges were applied, and incorrect information was reported to the credit bureaus. 

This situation has negatively impacted my credit report and is causing me undue stress. I believe this may constitute fraudulent or negligent activity on the part of the company. 

I am requesting that this matter be thoroughly investigated, the inaccuracies corrected, and the negative information removed from my credit report. Please let me know what steps I can take to resolve this issue and protect my credit. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX Let me know if youd like to adjust anything!
Product: Checking or savings account

XXXX XXXX I made a XXXX payment of {$600.00} to XXXX XXXX whom was supposed to to sale me a XXXX XXXX, they told me I have to send when they arrive its policy, I sent {$600.00} when they sent me the arrived picture I go downstairs no one there and Im blocked on everything, I explained this to my bank they told me in 1-10 business days money will be credited back in my account and a decision will be emailed to me in 30 days. A week later I called after not receiving a email or anything related to this claim to find out they declined my dispute without any actual reason, I filed again XX/XX/2023 after hearing claim denied to later go through the same situation and theyre basically telling me since I used a third party to send the money ( XXXX XXXX who I used through their app they cant retrieve the fund disregarding my proof
Product: Mortgage

On XX/XX/2023 I logged into the portal of Sun West Mortgage Company , Inc. NMLS ID XXXX. Approximately XXXX PST. ( they are a west coast based business ). I went to submit my mortgage payment per usual and the portal kicked me off. As I attempted to login, I saw a notice on the top of the web page referencing payments not being accepted as same day past a cut off time. However I was on prior to the " online '' cut off. They also did not advise that you can call and make a payment by phone, later within the same day & it be accepted as a same day payment. The payment was accepted but processed as a XX/XX/XXXX  payment. Confirmation # XXXX. 

I called and they advised verbally, " well you could have called in the payment we accept them over the phone at a later hour, and I replied letting them know that is not advertised or found anywhere reasonable '' and my payment was made within those hours, but online. I requested they honor the payment date/time it was well before EST cut offs, and met the criteria for a payment, they declined to do so or update my credit report. I further requested a review of said circumstances and was send a {$10.00} apology XXXX gift card via mail. However I not only intended to pay by the cut off, but prior. I now am unable to access any additional support for a HELOC or otherwise due to this reported late payment, it also greatly affected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cash Central, XXXX XXXX XXXX and Insight Captial placed an inaccurate collection on my XXXX credit report. I contact Cash Central regarding the collection. The representative stated Insight Captial was handling the collection. XXXX XXXX XXXX is the collection agency listed on my credit report. I did not open an account with Cash Central on XX/XX/2021. I do not owe this collection.
Product: Credit reporting or other personal consumer reports

I discovered billing errors on my credit report, with late payments that dont reflect my usual payment behavior. Id appreciate your help in updating my account accordingly.
Product: Mortgage

I have had this loan for 10 years. NEVER escrowed for taxes or insurance. Premiums are always paid annually in full. 

Year XXXX property put in flood zone. Freedom forced placed flood insurance, but I secured my own policy within the time frame required, so in year one my montly payment was corrected to principal and interest only. 

In year XXXX, I paid the flood policy in full XXXX. It was not due until XXXX. Once again Freedom force placed flood insurance ignoring that I DO NOT escrow. My check for payment cleared before the payment made by Freedom Mortgage. My reseach indicated that Freedom 's check was RETURNED TO THEM.

Freedom is saying I owe {$1200.00} for insurance. I have made so many calls and even sent paperwork showing the " mistake '' is in their escrow department via USPS return receipt requested and acknowledged. 

In a telephone conversation with their escrow department on XXXX, I was assured that my account would no longer be escrowed effective XXXX CLEARLY BEFORE THE DUE DATE OF XXXX. 

Furthermore, I have paid XX/XX/XXXX payment and have proof that the check cleared my bank, but their records do not reflect that.

Today I am mailing ( overnight signature required ) the XX/XX/XXXX payment of principal and interest in the amount of {$770.00} which is the amount I have paid consistently for 10 years.

I am including a copy of the Declarations Pages of both Flood and Homeowners insurance showing that they are up to date and paid in full. 

I am also notifying them of this complaint to CFPB. 

I trust you will be able to resolve this issue. 

Thank you
Product: Vehicle loan or lease

I, XXXX XXXX XXXX, received a loan on a Motorhome from Bank of the West on XX/XX/2021. I received from them my loan papers and noticed on the Disclosure Statement that the amount of sales tax was too much. They had {$14000.00} allotted for sales tax. 
In Arkansas there is a cap on local sales tax. In my case, XXXX XXXX XXXX ( 1.5 % ) and XXXX of XXXX ( 1 % ). If the purchase amount is over {$2500.00}, the sales tax is capped at {$37.00} for the county and {$25.00} for the City. Our total sales tax based on the purchase price of {$160000.00} should have been as follows : State Sales Tax 6.5 % {$10000.00} XXXX XXXX XXXX 1.5 % {$37.00} capped City of XXXX 1 % {$25.00} capped Total {$10000.00} I went to our local DMV and they gave me documentation of these amount which I submitted to our loan officer, XXXX XXXX. He said if its too much, it will be refunded at the after they pay the sales tax and the vehicle is registered. Bank of the West has since paid the sales tax directly to the state in the amount of {$11000.00} which is less that the amount on the Disclosure Statement and actually still not the right amount. The amount that is on the Disclosure statement for sales tax is in our loan and has increased our loan balance by {$3000.00}. 
I have made several calls to bring attention to this with my last call being on the XXXX of XXXX. Every call I'm assured it will be fixed and credited back to my loan but XX/XX/2021 it has not. 
I am 5 months into dealing with this and still no resolve. I am paying interest on this amount and quite frankly find this fraudulent. They were aware it was the wrong amount from the beginning, charged it anyway and now not crediting my loan back for the overage. This is why we have Disclosure Statements and Truth in Lending, to protect us. 
I have documentation to support all these claims. I will sending you copies of : 1 Loans papers which includes the Disclosure Statement 2 Check stub from where Bank of the West paid the State of Arkansas for the sales tax 3 State of Arkansas registration which states the amount that was paid 4 An online print out from my local DMV with a note by XXXX XXXX XXXX stating the correct amount dated XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I asked the representative of XXXX XXXX XXXX who gave them authorization to have my personal information in their reports? He said that J.P. Morgan Chase gave that authorization for them to have my information.

So, those weekly deposits is the claim that they have my private information without my permission. This is a violation of my privacy, as shown in The Privacy Act of 1974, the right to Opt Out, using 15 USC 1681 ( b ) Permissable Purposes ; unfair credit reporting, shown in 15 USC 1681 ( a ) ( 1 ), and 15 USC 6802-6805 ; Obligations and Enforcement.
Product: Mortgage

Deceptive Business Practices | Sales Pressure Tatics : We signed a purchase contract with Pulte Homes on XX/XX/2022. As the home neared completion in XXXXXXXX XXXX XXXX  several representatives from Pulte Homes pushed us to wire funds and close escrow early without the home being completed. Many items that were finished during the final walk thru are now damaged. We believe Pulte homes removed items from our home to use on other homes after we completed our final walk thru. We closed escrow on XX/XX/2022 and the home is not 100 % complete.
Product: Credit card or prepaid card

Dear Investigator, Elanco Financial Svc. sh ows up on both our credit reports!   This account was never authorized nor opened by us and must b e Fraud!    We are DISPUTING this account and demand it be removed immediately from our credit reports.   Thank you,  XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

This represents my 2nd communication via CFPB in which I am addressing the matter of inaccurate and misleading data present within my credit report. As previously communicated in my dispute dated XX/XX/2023, I stressed the negative consequences of having an erroneous credit profile, which has resulted in repeated rejections from potential employers during my job applications. The current circumstances have left me deeply concerned, as securing employment promptly is of utmost importance to prevent undue hardships for my family. What is particularly frustrating is that your inaccurate credit reporting not only impacts my financial standing but also severely diminishes my overall quality of life.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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. 
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

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX I also request that my credit profile be updated with the following accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Debt collection

I recently checked my credit report and I noticed west lake financial said I owed a debt. I never filled out any applications with them to apply for a loan. I contacted them to remove the debt from my report, but I never heard back from anyone. I believe this is all a result of identity theft.