23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

BSI the new servicer provider did not get my account in their system properly set up. the account should be with them effective XXXX XXXX but they only set it up the account by the end of XXXX. Before that date both, the loan originator and servicer provider, refused to accept my payments. Finally the loan originator took the payments. As the account was set up retroactively BSI register the missed payments and sent me a Notice of Intent of Foreclosure in XXXX. They also assessed late fees even though I stated the payments were made. When they waived the late fees upon my request they stated they wo n't report to the credit agencies but they did. I contacted them back and then they fixed the payment date in their system and told me next month the new report to the credit agencies will correct the situation. I disputed the adverse report to the credit agencies and submit the evidence. Nevertheless BSI responded to the agencies again that I paid late and my claim was concluded by the credit agencies. Please note that, for example, BSI just reported to XXXX on XXXX XXXX even though the information in their systems is updated two weeks ago. I contacted BSI supervisor XXXX XXXX and he stated that everything was ok in the system and nothing was late as of today and that next month in XXXX XXXX they will send a new report to the credit agencies and everything will be sorted. 

I inquired about the report to the credit agencies and after state he have no knowledge about that communication with XXXX he said that it will be solved next month. I asked is there 's any process whenever they get the dispute from credit agencies and he was not able to answer. He just said that they do n't go case by case and that it will be fixed next month as part of their monthly report to the agencies. 

Im very concern about how this institution is handling the accounts as I got a notice of intent to foreclosure before receiving a welcome package with account number. I was calling very often to get the account number and they were not able to provide timeframe. When I told them the payments were forwarded to them they just said they know nothing about it and I called the loan originator who then contacted someone over there to get the checks cashed and applied. Despite this nobody check the account status to clear late fees assessed per system and I had to call them. Then nobody took care of the application for payment dates and to validate the information was not incorrectly reported to credit agencies. On top of that I initiate the claim with the credit agency and they just denied my claim, triggering the close of the claim, stating my claim was false and making their statistics look good. And now he just said that it will be fixed after XXXX XXXX.
Product: Credit reporting

These companies have caused my credit score to drop XXXX points do toHARD INQUIRESXXXXXX/XX/XXXXXXXXXXXXXX/XX/XXXXXX/XX/XXXX XXXXFinanceXXXX XXXXXXXX XXXX, XXXX XXXXMisc. 
I XXXX XXXX do want these removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Consumer Loan

I paid off my loan, per my contract and I 'm being told I still have a balance of {$2800.00}. No 'knowledgeable ' explanation has been given and the company has not provided a statement to indicate what these additional charges are for. I 'm unable to obtain the title to the vehicle since they 're stating the balance is not paid in full. 
The loan was satisfied in XXXX 2016. Since then, the company has decided to give me a new account number with this new balance, which they are unjustifiably claiming. For starters, the APR this company has charged is ludicrous. However I did agree to those terms on the contract. These additional fee 's they 're claiming, I DID NOT agree too. If this company is claiming I did agree, I need documentation to support that claim and validate these additional fees.
Product: Debt collection

Subject : Complaint Regarding Disputed Debt Collection Practices by Viking Client Services and XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint against Viking Client Services and XXXX XXXX XXXX regarding an erroneous debt collection claim that violates the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Complaint : - Amount : XXXX - Debt Collector : Viking Client Services -Date of Incident : No details were mentioned in the letter from Viking Client Services XXXX But the claim was regarding a rental vehicle. 
- Creditor : XXXX XXXX XXXX On XX/XX/XXXXXXXX XXXX XXXX, I contacted XXXX customer care and was informed by a representative that I did not owe any outstanding debt. I returned the vehicle in perfect condition on the past few occasions when I rented a vehicle through XXXX, and no additional charges were mentioned at the time of return ( receipts of payments attached ). 

Despite this, Viking Client Services has contacted me, claiming that I owe XXXX a debt. This claim is incorrect and may result from a clerical error or miscommunication between the entities involved. Furthermore, I have not received any communication from XXXX XXXX XXXX regarding any outstanding payment, which leads me to believe that the debt is not legitimate. 

Additionally, the letter from Viking Client Services does not provide any details about the charge, such as the nature of the alleged debt or any specific transaction details. This lack of information further complicates my ability to verify the claim 's validity. I have requested verification of the debt from Viking Client Services but have not received adequate proof to substantiate their claims. 

I am concerned that this erroneous debt collection attempt is not only causing undue stress but may also potentially harm my credit rating. I believe these actions violate the FDCPA and request the CFPB 's assistance in investigating and resolving this matter.

I kindly request that the CFPB take the following actions : 1. Investigate the debt collection practices of Viking Client Services concerning this matter. 
XXXX. Ensure that XXXX XXXX XXXX corrects any inaccuracies in their records related to my account. 
XXXX. Ensure that any negative information about this disputed debt is removed from my credit report. 

Thank you for your attention to this important issue. I appreciate your assistance in resolving this matter promptly and fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I went to purchase a car and had my preapproval from XXXX XXXX. I ended up not getting anything because the car I came to the lot for they was unable to find. It somehow was driven to a different lot. However, they I see XXXX XXXX submitted my credit and ran it thru numerous companies which I did not authorize as I had my preapproval paper work and did n't get to use it due to the car not being there. A company named XXXX out of XXXX XXXX, Ca ran my credit, XXXX aka XXXX XXXX XXXX XXXX, Tn GM Financial, XXXX XXXX, XXXX XXXX. None was authorized at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter on XXXX XXXX. This is the first time I've been contacted by Southwest Credit. I supposedly owe XXXX to a cable company. I have never had an account with the stated creditor. I looked at my credit report and the supposed time of service for this entry was when I was under XXXXhad never had any type of cable or wifi service. I tried contacting Southwest Credit and they said there was nothing they could do and directed me to the creditor. After multiple calls to the creditor, the creditor has no account under the account number from Southwest 's letter, my name, or social security number so I can't even verify the information using the original creditor. As I was a minor, I do not have the proper materials to file a dispute ( no utilities, no lease, etc. ). I have no idea how this is under my name or credit report when the company has nothing with my name or social security number.
Product: Debt collection

Company has been notified numerous times this is not my debt. It is a capital one account from XXXX  that is not mine. The company was told in XXXX it was disputed and they had 30 days to provide a signed application showing ownership of the account. A statement does not provide required documentation under the fair credit reporting act, they legally had 30 days to send a signed application showing the account was mine and opened by the consumer. They have called me daily which I have continuously told them it is not mine and it was put in dispute. They reported it to my credit bureaus despite not being able to validate the debt and provide documents showing ownership. I called numerous times to request them to delete the information from my credit report until they can provide the signed application showing ownership which they refused to do. They were made aware that they may be violating the fair credit reporting act by reporting a debt that its not the consumers and they said they did not care. Legally this is to be removed immediately from the consumers credit file unless proof of ownership is provided which is a signed application. Again a statement does not prove ownership since the account is not mine, they are willingly breaking the law by not sending the requested documetnion or update to the bureau.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXXXX/XX/year> -- This inquiry was not authorized, please remove it from my credit report immediately. 



Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect Consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

My personal info was subject to identity theft in which multiple items showed up on my credit report between the years of XXXX These items are listed in my ftc report which I uploaded wihh the a copy of my ID and copy of section 605b.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts i have Marked as inaccurate. 



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

On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX and Equifax .and explained I was a victim of identity theft and fraud and that the balance of {$4400.00} XXXX XXXX XXXX  ACCUSING ME OF OWING! is not mine someone got a apt in my name its not mine Im legally not responsible I sent police reports and theft affidavits over 100 times literally this company is fraudulently reporting this account to the credit agency ( EQUIFAX ) monthly is calling my place of work seeking money calling my immediate family etc now i have a open lawsuit against this company for violating my consumer rights. I explained to Equifax Fraud dept Im a victim of identity theft sent all proper documentation And they too have NOT removed this fraudulent account from their system i now have a attorney seeking justice for emotional distress and mental abuse these companies need to remove this fraudulent a ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 605 any consumer that identifies fraud and notify the credit agencies shall have the information blocked and removed Equifax failed my consumer rights Im now filing a FEDERAL LAWSUIT!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian regarding the inaccurate reporting of charge-off accounts on my credit report. These accounts, listed without permissible purpose as required by 15 USC 1681b, have caused significant harm to my financial standing. Despite my formal request for their removal, the credit bureau has failed to act in compliance with the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681n, 1681o, and 1681q, which address willful and negligent noncompliance and false pretenses in reporting. 

The inaccurate reporting of these accounts has severely damaged my ability to utilize credit, resulting in higher interest rates, denied applications, and limited financial opportunities. This has led to a loss of full faith in the integrity of the credit reporting system. 

I am seeking the immediate removal of these accounts from my credit report and written confirmation of this action. I expect the credit bureau to adhere to its legal obligations and resolve this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Experian is reporting this account inaccurately. The account has been PAIDS IN FULL and is outdated. Experian is reporting a balance on a charge-off account. I have asked them to correct this inaccurate information and remove this tradeline at once. 



Hello Experian is reporting this account XXXX XXXX inaccurately. The account has been PAIDS IN FULL and is outdated. Experian is reporting a balance on a charge-off account. I have asked them to correct this inaccurate information and remove this tradeline at once.
Product: Checking or savings account

Levy by State was sent to Wells Fargo XX/XX/XXXX. Finds should have been returned. Social security funds. Wells Fargo sent funds to state without affording me the state staute of 15 days for me to respond. Lied several times on information provided to me ad well as branch managers. Funds are not returned to either state or me. It's been 6 days. Was withheld information and info changed numerous times from wells Fargo. They indicated they don't have legal or para resp just regular emploees. Was told ct is one of two states that are required to send money immediately. No policy or procedure was noted. Questioned this they came up with another lie. I have XXXX XXXX  XXXX I rely on as to live and get meds. I am broke and can not get meds for treatment of XXXX. Help
Product: Consumer Loan

GM Financial has a fraudulent account in my name. They 're refusing to remove it from my credit report after I 've provided them with my identity theft report and identity theft affidavit. I did not open this account or apply for it. I am a victim of identity theft.
Product: Consumer Loan

I contacted Mariner Bank requesting debt validation and they have yet to send it to me. I have however rec 'd XXXX threatening letters telling me to get online and pay now or I will be hearing from their attorney. I asked them three times not to call me at work and three times they violated my request. I am not allowed to receive calls at work. Secondly I instructed them to stop calling anyone but myself to discuss this and on XXXX XXXX, 2015 XXXX called a friend of mine in XXXX XXXX Texas after I specifically said not to. I have given them my contact information and told them to write to me and they still refuse to do so and seem to be using the bullying attempt. They are calling his house and they know I do n't live there. I am in financial bind currently due to having to leave a violent home situation and he will not give me my belongings..
Product: Credit card

Money is issued by the banks in return for government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances. This is because it is backed by the credit line of the nation, and our labor was pledged as collateral near the time of our birth. 

In XXXX we trust = Government XXXX XXXX, is this incorrect, if so, can you provide me information regarding any information of grantor trust begging with " XXXX ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, there was a hard inquiry made on my credit report from US SM BUS ADMIN ODA. I am not a small business nor have I ever applied for a small business loan for disaster recovery due to COVID like online sources say this would be for. I followed all directions of Experian and would like this removed as it also impacted my credit report negatively. I have a fraud complaint pending with OIG also for this issue.
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 XXXX credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX and XXXX XXXX.
Product: Debt collection

Sometime in XXXX I was the victim of identity fraud due to the breach at XXXX Once I started receiving various billings on accounts I did not open I reported the fraudulent activity and filed a police report with the XXXX XXXX County Sheriff. All of the other accounts were deemed fraudulent and I was no longer billed. 
The Home Depot was a company that CONTINUED to open fraudulent accounts on my stolen identity in the area of Northern California EVEN AFTER A " PASSWORD '' WAS PLACED ON MY INFORMATION and my social security number was flagged by Home Depot Credit. I reported each account as fraudulent and received subsequent letters that the account would be closed and that any information reported to the three credit reporting agencies would be deleted.

The Home Depot, in spite of the above opened yet another fraudulent account. For the past year I have been calling every time I receive a statement and am assured that the account will be revised to show a zero balance. 
In XX/XX/XXXX, I received a past due statement from Citi Bank who services credit for The Home Depot. On XX/XX/XXXX I called Citi Bank and advised that the account was indeed fraudulent. I spoke with an individual who identified herself as " XXXX XXXX ''. I was advised by XXXX that the charges would be reversed to show a XXXX balance. 
As of today, XX/XX/XXXX I received notice that the fraudulent Home Depot account has been reported to the various credit reporting agencies as delinquent which has caused my credit score to drop over 80 points causing great damage to me in that my husband and I are attempting to refinance our home. After repeated attempts to contact Home Depot today I have been ( 1 ) transferred to a non-working number by " XXXX '' ( 2 ) after calling back a representative " XXXX '' hung up after saying he could not hear me and ( 3 ) disconnected twice. Before transferring me, XXXX read the notes on the account and reiterated that she saw that it was in fact a fraudulent account and that I should not be receiving bills. 
I have over 20 pages of evidence supporting the above-upon request I will mail copies to you.
Product: Credit card or prepaid card

On XX/XX/22 I spoke to a representative of KeyBank, he demanded my personal info including my SSN in order to close an account that I didn't open. They sent me a credit card I never requested and now I can't cancel it. They have no physical representation in CA, so I'm unable to go to a branch to close the account they opened, and I won't provide personal info over the phone due to identity theft concerns. Please help me close the account I didn't open.