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

OnXX/XX/XXXX I called Equifax to remove inquiries that I did not authorized. I spoke with a US Rep that was handling my request. In the midst of our phone call, as he was confirming the inquiries that I needed to be removed/deleted, the call was disconnected. I called back and another US Rep received my call. I explained to her what happened and how the US Rep was in the midst of deleting the unauthorized inquiries and she could continue as well and she told me that she couldn't do it, again I explained on how the other US Rep was in the processing of deleting these unauthorized inquiries, however she did not care. Needless to say, she didn't help with what the other US Rep was more willing help me with. There is several inquiries that I did not authorize to pull my credit, some of the same unauthorized inquiries was pull several times. XXXX XXXX was pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. XXXX   was pulled on XX/XX/XXXX &XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX  was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. None of these places had my authorization to pull my credit or anything relating to this matter. I also contacted XXXX onXX/XX/XXXX and spoke with a US Rep who also told me that they doesn't remove/delete inquiries. I will have to contact all creditors and have them to send a deletion letter. I also called XXXX  on XX/XX/XXXX whom as well told me the same thing XXXX stated except they put a Fraud alert on my credit file and still wouldn't help me with these unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

XXXX To Whom it may concern, I've sent neuromas letters to explain that XXXX XXXX  has taken repossession in the state of South Carolina on or about XX/XX/year> and resold the vehicle on or about XX/XX/year>. This account is still being reported on my credit report. XXXX has failed to make contact with me in regards to this matter. 

Under the laws of the state of South Carolina UCC & South Carolina UCC code, you will to look this up and State XXXX  and XXXX  statutes a deficiency to whom it may concern, I am writing in regard to the above referenced accounts and transactions can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

in addition, if you singularly and severally fail to comply with the above request, i reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC & 9 remedies. 

Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up automatic payments ( " autopay '' ) for my two Bank of America credit card accounts ending in XXXX and XXXX, respectively, on XX/XX/XXXX. However, the autopay setting for the account ending in XXXX was erroneously removed and since this is completely without my knowledge or consent, it was until XX/XX/XXXX when I logged in to online banking that I noticed the account ending in XXXX had already been two months past due. It should also be noted that Bank of America did not exercise due diligence to inform me of any missed payments where other banks would send notifications via emails, phone calls or text messages ( XXXX XXXX and XXXX XXXX are just some examples ). I'm also attaching the screenshots from when I added the autopay settings as evidentiary support. I immediately scheduled an online payment to keep my account up-to-date and called customer service to inform them of such situation and to request : a ) Removal of this account 's delinquency from my credit reports ; b ) Reversal of the late fees assessed against my account. Unfortunately, even after escalating this request Bank of America still failed to resolve this issue satisfactorily.
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair Credit Reporting Act XXXX  accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Hospital has paid 60 % of the bill and the amount on the credit report is wrong
Product: Payday loan, title loan, personal loan, or advance loan

I am a victim of identity theft. On XX/XX/2018, a transaction occurred with XXXX XXXX XXXX XXXX XXXX where someone took out a loan in the amount of {$500.00}. The bank shows XXXX XXXX  which I do not recognizing owning that bank account at that time. Also, the address shows XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  and I did not live at that location. I lived 2 hours away in XXXXXXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX. The person applying for this loan obviously did not and would not have known this. Another red flag here is that the loan was electronically signed at XXXX PST with an IP address of XXXX. 
This is obviously fraud and I had no knowledge of this account. It's been 6 years and I have never received any notification of this debt, but 6 years later, it miraculously shows up on my credit report and placed on my credit record. I need this removed and corrected ASAP.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$1600.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Mortgage

My mortgage was transfer to Green Tree Servicing LLC in 2013. I have applied for a modification and also to do a short sale with Green Tree. Green Tree has denied me both options. I have asked Green Tree To validate the debt and they refuse. Green Tree has foreclosed on my house when their statements clearly says that they are a debt collecting agency. A debt collection can not foreclose on a property that is not theirs! BEFORE Green Tree foreclosed on me, I sent them a payment for {$80000.00} ( via USPS via Register Mail ) and they returned it back to me and proceeded with the foreclosure! I am ready to sue and take legal action! How can I get involved with the class suit against Green Tree?
Product: Money transfer, virtual currency, or money service

In XX/XX/2021, I applied for a much needed XXXX loan and was approved by a company called XXXX. I signed the documents on XXXX and was funded by Capital Plus Financial. The money was sent to my bank by XXXX on XXXX but was rejected due to the exceeded amount. It was returned yo XXXX same day. I have been reaching out to them for almost a month now including submitting tickets but they have not responded so far. I have went to their website but they dont have a phone number listed. They have in their site that when a situation like so occurs, they will follow up to update the information but I have not received one response from them. I have reported it to the XXXX XXXX XXXX. Please help me recover the money.
Product: Credit reporting

I have been trying to get a credit report from all XXXX bureaus. I have received experian, but i did not recieve on from trans unions or XXXX. They said i have recieved one already even though i have not. If i can get the issue resolved fast I would appreciate it
Product: Debt collection

XXXX XXXX XXXX is reporting a debt from XX/XX/2013. It is not my debt. The original creditor refuses to furnish written proof that it 's my account. They have stated that all correspondences were returned, but Penn Credit is saying no mail was returned. I was never contacted regarding this debt before it was placed on my credit report. Other bureaus have removed the account XXXX refuses to remove it.
Product: Checking or savings account

They say that my account would be close and my money was going to be sent to me but this still has my account suspended and under review is they dont send my money in XXXX week I whould been reported to the XXXX and going to sue then.I am tired of the game they bit playing with my money who they think they are not even theXXXX  play like with people.worst back ever
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at BANK XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, a personal loan account opened at STATE OF XXXX LOANS on XX/XX/XXXX under the account number XXXX, collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$4200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I filed 4 different disputes. Record available. Each time Experian stated that XXXX XXXX confirmed a balance of almost XXXX. I was told personally by XXXX, there is no balance. I logged onto XXXX and my balance states XXXX balance. I have the screenshotXXXX and XXXX have documented the forgiveness correctly ; however, Experian refuses to do so.
Product: Mortgage

Problem # 1 - My husband and I applied for, and obtained a mortgage thru Member First Mortgage ( XXXX ), on our joint account, at XXXX XXXX XXXX XXXX XXXX XXXX  ), on XX/XX/2021. Months later, we discovered that XXXX had changed our mortgage loan, from our joint account, to an account that I had with my daughter, without our permission, and my husband is not on that account. See attached documents ; Current monthly statements. 
Problem # 2 - My husband and I began paying our mortgage, on XX/XX/2021, with each check clearly label ( i.e. check XXXX 1st payment, etc. ), as it was due on XXXXThis would reflect current monthly statements a month ahead, but it does not. See attached documents ; Check numbers XXXX thru current checks. 
Problem # 3 - Written documents from Member First Mortgage are inaccurate, See " Loan Activity Report '', dated XXXX/XXXXXXXX and XX/XX/2021, which does not show the same dates the checks were cashed, per XXXX XXXX XXXX XXXX records.. Telephone contacts with several Member First Mortgage representatives, during this time, remained definitely unclear and did not provide me with the Check # ; Date Cashed ; Principal Amount ; Interest Amount ; and Remaining Balance.
Product: Vehicle loan or lease

In XX/XX/XXXX I paid the lease residual payment of {$15000.00} to Hyundai Motor Finance for a XXXX XXXX XXXX they sent a title to me that was received in XX/XX/XXXX it was the original XXXX title that was issued to Hyundai went to motor vehicle to find out that there was another title issued to them on XX/XX/XXXX from the New york DMV and have been constantly in touch with them trying to get the paperwork I need to title the vehicle that has already been paid for it has taken numerous calls to get nowhere with Hyundai finance I have reached out to them and spoke to their customer service for the last 3 months everything is recorded and documented and I don't understand how they do not get in touch or give you the proper paperwork after a full payment has been made on the vehicle my last call was XX/XX/XXXX which I was told that it could take up to 5 to 10 business days again to find out what is going on unfortunately Hyundai Motor Finance has a closed system to email each other and has no other alternative to talk to the title department after they collect your money I would like to make that complaint against them thank you for your help in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost a year Experian has not fixed a problem with me accessing my credit report. I have submitted severl complaints to them about this issue. Nothing still has been done and it is adversly affecting my credit.
Product: Debt collection

I never received anything regarding this account when I told them I was in a data breach and this is not my account and it is Fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 16
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

After repeated communication that I was unable to pay for my student loans. I received several calls in one day from Sallie Mae. The most recent call at XXXX on XXXX XXXX, was from a rep. who yelled at me and threatened to add additional delinquency fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan is missing from my Transunion and XXXX credit report. It was previously being reported but when I last pulled my credit report it was missing. I contacted my mortgage lender and was informed that it is being reported correctly. ( it is also being reported correctly on my XXXX report ). I sent a dispute letter along with my identification, a copy of my mortgage statement and XXXX statement to both credit bureaus. This has been going on for a year and it is still not correct on my reports and it is lowering my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Equifax must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00}
Product: Mortgage

I submitted a loan modification with my 2nd mortgage FCI. My first mortgage balance is XXXX and it is current. I also have equity in my home. On XX/XX/XXXX and XXXX I sent in all missing documents that were requested ( same day ). On XX/XX/XXXX I was advised there are no missing documents and FCI sent the file to the investor ( XXXX ) for approval. On XX/XX/XXXX the loan modification was denied due to having incomplete documents and they stated no appeal is allowed because the sale date is too close. FCI stated the bank statements sent in was missing pages. This is not true and the pdf file come directly from my bank website and each page is numbered. I earn more than enough income to be approved for a loan modification. The investor knows there is equity and they are trying to push a sheriff sale because they do not want this loan on their books any longer. I do not want to be forced to sell my home or file a bankruptcy due to this investor. Proof attached to show the modification was in process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX Account # 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 In accordance with the Fair Reporting act XXXX Account # 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 In accordance with the Fair Reporting act XXXXt Account # 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 In accordance with the Fair Reporting act XXXX Account # 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 In accordance with the Fair Reporting act XXXX Account # 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 In accordance with the Fair Reporting act Convergent Account # 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 In accordance with the Fair Reporting act XXXX Account # 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 In accordance with the Fair Reporting act XXXX Account # 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