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

I'm requesting an hearing with corporate office of this company and remove anything negative from my XXXX XXXX account
Product: Mortgage

I had previously submitted a complaint under " CFPB  Case Number  :   XXXX   ''.   In response to my complaint,  SunWest  Mortgage  Company  stated " Th e appraiser has  mentioned in the appraisal report that the subject property was recently renovated ( in the year    2013  ). The subject property had new roof, new vinyl siding, new kitchen, new bathrooms, new laminate flooring throughout, new furnace and new hot water heater. This indicated that the subject property was in like new condition. ".   The truth, however, is that : the roof was not new, the vinyl siding was not new, the furnace was not new, and the hot water heater was not new.   I would like to hear from the Bank, as the Bank seeks a response from the Appraisal company they had hired.   Based on what assurance did they affirm that : the roof, the vinyl siding, the furnace, and the hot water heater were new?   This information led the Bank 's underwriters to believe that the property had been recently renovated. This is no laughing matter, but it almost can serve as a joke when we talk about the furnace and hot water heater. These a very, very old.   Why did the  appraiser say they were new? Did the seller provide the appraiser with receipts of newly purchased and installed furnace and water heater, or the appraiser  simply assumed they were new?
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am requesting the deletion of account LVNV FUNDING LLC XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to LVNV, and the original creditor has failed to validate the alleged debt, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2022. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Please provide the original account documentation as well as your license to collect debt in the state of Texas. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. I will attach my credit report to show the many inaccuracies including payment history, and date last active. Please explain how this account meets FCDPA and FCRA regulations when each bureau is reporting different date last active? Remove this account from my credit report immediately your company is not credible. Please see the attached credit report and dispute letter which is dated and time stamped
Product: Credit card or prepaid card

A RBFCU MasterCard Credit card was opened in my name fraudulently by an RBFCU employee. I applied for a vehicle loan through RBFCU, was approved, only to find out a couple days later that an RBFCU employee in the consumer lending department fraudulently opened a credit card in my name without my approval or authorization using the same credit inquiry for my vehicle loan. After trying to work it out with RBFCU, I was met with a lot of hostility, specifically from a supervisor named XXXX. After listening and confirming that I did not approve the credit card on the call, she then began to foolishly ascertain that it was not fraud and that she was not going to report it. She left it in my court to resolve this serious illegal act perpetrated by RBFCU 's own employee. Once I knew she wasn't taking this seriously, I reminded her that I had to report this incident to the FTC/CFPB, she then backtracked. I had to read her a definition of fraud/identity theft and explain to her that he has my personal information, including my SSN, and this may not be the end to the fraud. Rather than protect an RBFCU member ( me ) who was a victim of fraud by their own employee, she had clear intentions to protect the employee rather than me by not disclosing his name for me to file a proper fraud report. Overall terrible experience. I didn't expect to be met with such disregard towards a long-standing member who simply wanted a valid resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was alerted of a negative item being furnished on my consumer report by Equifax. I never received any correspondence from Equifax on any investigation before this item was furnished or I did not receive any correspondence of results of Equifaxs investigation on this item from XXXX XXXX XXXX XXXX. Law states that I an entitled to accurate and fair credit reporting which an elaborate system has been set into place to protect my rights to this process, Equifax has assumed this vital role which they have neglected to accurately do which is their grave responsibility. They have not followed the procedures that XXXX has set into place by law to protect me the consumer. The have violated my rights to privacy by furnishing information that they did not investigate and are causing me great harm furnishing inaccurate information without my consent to permissible purpose. Equifax has not provided to me any proof of ANY investigation, I have the right to a fair and accurate consumer report that they have violated me on and have caused me great harm. 

Please update this information to paid never late and respect my rights that XXXX has set into place to protect myself and my rights to fair and accurate credit reporting and PRIVACY as I have no disclosures from anyone on giving out my NONPUBLIC PERSONAL INFORMATION. This needs to Deleted from my consumer report and updated to read never late pays on time. My rights have be violated and Equifax has broke the law.
Product: Consumer Loan

As of  XXXX / XXXX / XXXX , interest paid on the loan was {$2300.00}, principal balanced owed is {$5700.00} and the loan balance is {$7800.00}. I have made  XXXX  payments totaling and {$2000.00}  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . I contact the lender to obtain the principal balance owed on  XXXX   XXXX . I receive an email from the lending stating, as of  XXXX   XXXX ,  XXXX , my principal balance owed is {$5600.00}. An investigation should be created. I should owe around {$4100.00}. My payments are not going to the principal balance properly. {$50.00} going to the principal balance each month as well as, an estimate of {$200.00} should go to interest. So essentially, an estimate of {$1600.00} should have applied to the principal balance for my  XXXX   XXXX  and  XXXX   XXXX  payment.
Product: Credit reporting 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the LISTED account. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I received and attempt to collect a debt from General Revenue Corporation and responded within the 30 days for request of documents to include a signed agreement that validates this debt was owed by me. In return on XX/XX/2021, I received a copy of an invoice with an additional request I provide them with more information. Then I received another attempt to collect letter, XXXX XXXX, 2021 requesting notification within 30 days that I dispute. Something is not right as I already did this! I am not obligated for this debt, and have requested ALL collection activity cease and if reported to reflect the debt is disputed. to date it is not flagged disputed, only a comment that states consumer disputes account information. 

Currently the the collection activity has continued, the credit reports do not reflect disputed and the posting date for the collection account shows XXXX.2021 to credit reports which pre-dates the initial attempt to collect a debt correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX  {$380000.00} XXXX XXXXXXXX {$1200.00} XXXX Card {$5300.00} XXXX XXXX XXXX {$5200.00} XXXX {$1300.00} XXXX XXXX XXXX {$2000.00} Inquiries : XXXX XXXX XXXX XXXX Please remove addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

I received a letter from ProCollect Incorporated dated XX/XX/year> stating that I owe creditor : XXXX XXXX XXXX  total due : {$3000.00}. I did not receive any supporting documents : lease, statement, and/or balance due verifying that an account exist with XXXX XXXX XXXX. I am disputing this account.
Product: Debt collection

I received a demand letter for {$1800.00} owing for XXXX XXXX. This was incorrect as my medical bill was paid in full. I have the billing from the hospital and it shows that my bill was paid in full. This was just sent to the collection agency whom you have already sued for illegal practices. I am XXXX anf if this is not elderly abuse then nothing is.
Product: Credit card or prepaid card

I received a response back to my prior complaint to First National Bank of Omaha and XXXX XXXX from the office of the President at the company has clearly stated that they are not following their own policies set in place. 

1. XXXX stated the available amount for a balance transfer is {$5300.00} and I was approved for more, which means they never established the type of account I requested. They opened a regular credit account, which is not what was requested. 

2. She states they are subject to their approval. I should not have been approved on an application that was missing information. This is fraudulent account creation when all application information is not complete. 

3. She stated, " If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for or decline your request. '' They did neither, so again, this is a fraudulent account and should not have been created. 

I would like to know when they will be correcting my credit report for the fraudulent account that they created in my name on a partially completed balance transfer form that their agents should have declined or reached back and requested more information. 

Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I was checking my credit score when I got offered to see if I qualified for a loan and I applied to see if I was able to get one. Well I put in the information they asked for and without calling and discussing things or showing me interest rates or anything. They sent XXXX and want me to pay back XXXX. With three monthly payments of XXXX dollars. I never signed for anything or agreed to anything. They forced me into a loan
Product: Checking or savings account

I had a checking and savings with US Bank. They sent the accounts which were offering a settlement. The accounts were sent back to the bank. When I tried to call and settle they refused the honor the settlements amounts because that was a third party and said I had to pay in full and did not offer me a type of settlement. One rep said that had to be done locally. I contacted the branch manager and CEO of the company and have not received any response back.
Product: Vehicle loan or lease

I possessed a Financial loan from Wells Fargo auto from XXXX until XX/XX/XXXX when they unfairly repossessed me. They were recently sued for unfairly repossessing. Throughout the course of the loan I tried more than 10 times to change my payment arrangement date. Every single time I would sign the paperwork and mail it back in they would lose it. This is exactly why they were sued. I attempted to make a change to my payment date almost every month and they would never allow me to do so even though I followed the parameters of Wells Fargo 's forms and time frame. I am exactly entitled to the settlement of their recent lawsuit being sued for this exact reason. They're making it worse while trying to call them currently XX/XX/XXXX. They're trying to fight me tooth and now rather than pay what they owe for treating me wrong as a client and unfairly repossessing me while never letting me change the payment date for the entire term of the loan from XXXX until XXXX I requested a payment arrangement due date change almost every month and they did nothing. Exact terms of being sued. And then as I call them I meet with resistance with their specialty Department stating that I'm being written emails on their secured website Wells Fargo auto. A multitude of times I've attempted to create an account and am continuously denied the ability to start the account when I called Wells Fargo customer service I was told I'm not allowed to have an account because my car was repossessed. So why are they writing the emails that I'll Never See and their company knows that they're responding on their own website that I don't have access to and they will not gain me access? I am entitled to unfairly repossession settlement funds. And I hope that your company can help me resolve this. My car should have never been repossessed because the month that I was repossessed was like every single other month that they were unfairly tacked on late fees because I get paid twice a month working in XXXX and have tried to change my payment arrangement due date since the start of the loan in XXXX. Wells Fargo has practiced unethical business practices losing my forms and repossessing my vehicle and it's no wonder they were sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified mail to Equifax demanding removal of specific accounts they sent a correspondence dated XX/XX/2022 that they will not be conducting an investigation in to particular accounts when I demand a removal not investigation. I have submitted an identity theft report with the reference number : XXXX They following accounts were listed to be removed : 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

In XXXX XXXX 2023 I contacted all three credit bureaus regarding inaccurate information that was reflecting on my credit report from my XXXX XXXX. After speaking to supervisors from all three bureaus they assured me that the information would be removed. The information was temporarily removed. Months later the inaccurate information has been placed back on my credit profile. I have requested an explanation of verification via phone and XXXX mail on several occasions. According to the FCRA Act Section 611, I have the right to request an explanation of the verification method used by your company I am requesting a copy under the FACTA act, SEC 312 ( b ) and ( c ). I have given more than enough time for this situation to be resolved and will not wait another 60 days for a reply or an update to my credit profile. 

I am requesting that this erroneous information be removed from my credit profile immediately. 

As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. To date, I have not received a reply from either of the three credit bureaus and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with TransUnion, XXXX and XXXX and have yet to receive a response within a reasonable amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  submitted fraud documents which caused wrongfull judgement from collection agency XXXX XXXX XXXX i have attached voluntary dismisal WITHOUT PREJUDICE. XXXX XXXX  reporting has to be removed.
Product: Checking or savings account

I was trying to make a mobile deposit around a year ago for around {$79.00} and I made a small error and tried correcting it where my account was flagged with fraud. When I got flagged with fraud, I got locked out of my account. I called them and was then transferred to the fraud department and explained to them everything and they told me it was an honest error and they would try to fix it. I couldn't login into my account because it was being reviewed. I then started being charged every month in fees until I went negative, then I received another letter after a while saying my account has been closed and my negative balance has been removed. My account was already closed so not sure why I'm even still getting letters. I never got any of the money I tried to deposit, they took all of it. Today, they sent me a settlement letter stating I have to pay {$26.00} in debt. What am I in debt for? They took the very money I tried to deposit. They charged me in fees and left me with {$15.00}, which was all used up in more fees but my account was already confirmed closed, so how and why was I being charged? It stayed quiet until today XX/XX/XXXX which is when I got the settlement letter.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX  XXXX XXXX Balance Owed : {$8100.00}
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act Im entitled to a fair and accurate report. Upon sec. 15 usc 1681b ( 2 ) flagship credit acceptance is in violation of FCRAs laws please REMOVE all fraudulent inaccurate inquiries immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was a XXXX account that I opened, paid and closed all more than seven ( 7 ) years ago. I have disputed this item for years, and it will not go away, even though now it is timed out. 

The dates listed are incorrect. This account was opened, closed and ( falsely ) labeled delinquent more than seven ( 7 ) years ago.

If this complaint fails to resolve the issue, I will be forced to file suit to have it removed, and will do so. 

I appreciate any help you can provide. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. Please remove these fraudulent accounts from my report. 
I have included documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. 
Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in XXXX business days of receipt. Thank you in advance and I appreciate your prompt attention on this matter. I await your reply.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information listed on my credit report regarding the accounts detailed below. These accounts do not belong to me and are inaccurately reported on my credit file. 

Additionally, I was impacted by the recent XXXX data breach, which may have compromised the integrity of my personal and financial information. I have enclosed proof of my involvement in the breach to support my claims.Per the Fair Credit Reporting Act ( FCRA ), I request that you investigate these accounts, verify the information, and correct or remove any inaccurate details from my credit file as appropriate.XXXX CREDIT XXXX XXXX BANK XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS A RIP OFF! CLOSE MY ACCOUNT AND FINISH DISPUTE UNDER FCBA.
Product: Credit card or prepaid card

I have a prepaid XXXX card for unemployment benefits. I have the Bank of America app on my phone but got email that I need to go to website to confirm my checking and routing numbers to have the money transferred to my XXXX account. I can not sign in to the website as it says my security information is incorrect. I have tried to call the telephone number being on hold for over 30 minutes and then disconnected. I have been on hold 5 times now at all different times during the day. Now I am not even able to hold the recording simply says they are too busy. I have money in the account that I am unable to access. I have written two emails to Bank of America detailing the problem and received instructions to call the same number that I have been calling all week.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the persistent inaccuracies on my credit report, specifically regarding my XXXX XXXX  XXXX account, account number XXXX. Despite multiple attempts to dispute these errors with XXXX, Experian, and XXXX, as well as XXXX XXXX XXXXXXXX, the problems persist. 

Specific Issues : Inconsistent Account Status : The XXXX XXXX XXXXXXXX account is erroneously reported as both " Charged Off '' and " Never Late. '' Inaccurate Balance : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. 
Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. 

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. 

These inaccuracies have negatively impacted my credit score and my ability to obtain credit, housing, and other financial services. I have experienced significant stress and financial hardship as a result of these errors. 

I have repeatedly contacted XXXX, Experian, and XXXX to dispute these inaccuracies. Despite their claims of investigating and resolving the issues, the incorrect information remains on my credit report. I have also contacted XXXX XXXXXXXX XXXX to address these discrepancies, but their efforts have been unsuccessful. 

I am deeply concerned that the CFPB has failed to hold the credit bureaus accountable for their repeated failures to correct these inaccuracies. It is disheartening to see that the CFPB is not fulfilling its role in protecting consumers ' rights. 

I urge the CFPB to take immediate action to investigate these matters and compel XXXX, Experian, and XXXX to correct the inaccurate information on my credit report, specifically regarding the XXXX XXXX  XXXX account, account number XXXX. I believe that the credit bureaus ' failure to accurately report my credit information violates the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX