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

Since XXXX I have been sending in disputed letter every 3 months to get the following accounts deleted from my credit file XXXX XXXX shows closed on XX/XX/XXXX and a payment was made in XXXX is incorrect I never made a payment Premier Bank- shows it was closed XX/XX/XXXX and the last payment was XX/XX/XXXX -this is incorrect These accounts listed above I requested on numerous occasions I wanted a copy of the signed application with my signature the companies have failed to provide these documents Under the FCRA laws a creditor is required to provide accurate documentation to the consumer and if they can not provide documentation the tradeline must be deleted or they will be in violation XXXX XXXX XXXX-discharged in a XXXX  XXXX in XXXX XXXX is still showing as an open derogatory account this account should not even show in my credit file. This account shows I made a payment on XX/XX/XXXX this account was included in a XXXX in XX/XX/XXXX. This is incorrect
Product: Credit reporting or other personal consumer reports

Hi, I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information on all credit reporting systems including but not limited to XXXX, XXXX, and Experian. I have recently discovered thatmy sensitive data has been shared ormade accessible without my explicit consent, which I believe constitutes a serious violation of my privacy and legal rights. 
As you are likely aware, under the FCRA and other relevant data protection laws, it is illegal to disclose or share personal information without the individuals consent. The unauthorized exposure of my data is a direct infringement on my privacy, and I request that my personal information be immediately removed from all records. I insist that prompt action to remove my personal information from all systems, provide me with written confirmation that allmy data has been removed from all data bases and reports and confirmation that no further unauthorized disclosures or usage of my information will occur. 
Please be aware that if this issue is not resolved to satisfaction on a timely manner, I will have no choice but to pursue legal action including filing complaints with other regulatory bodies and taking this matter up in court. I trust this issue with be treated with the seriousness it deserves and immediate corrective action will be taken. 

Thank You, XXXX XXXX
Product: Checking or savings account

Wells Fargo customer representative made an UNAUTHORIZED change to my account without my permission or knowledge. The representative reported a legitimate charge to the fraud department and put a stop payment on the vendor after an unpleasant exchange where I explicitly asked her not to do so. 

Subsequent Wells Fargo representatives were not helpful in resolving this issue. I had to call several times, spend more than two hours on the phone, and worked with six different representatives to address specific aspects of the problem. I am still not sure the issue is fully resolved. The entire process was unnnecessary, time-consuming, and frustrating.
Product: Credit reporting or other personal consumer reports

I want to file a complaint about a call I got from XXXX XXXX XXXX in regards to a credit report with some false information from LexisNexis that prohibits me from getting home insurance with them.
Product: Student loan

My experience with Navient, formerly XXXX XXXX, is identical to the issues described in the lawsuit that was just brought against them. My payments have changed multiple times, each time increasing and each time I called they would say it was a mistake. I called to try and get a lower payment, and they told me that was all they could do, and then the next month told me I was 3 months behind on payments! I get charged extra fees every month for this supposed late payment, which never happened. I also verbally agreed to have my payment taken out of my bank account each month, and some months they take it out, and other months they do not ( and I DO have money in my account to cover the payment, so it is n't my fault ). The months they do not take it out, they tell me I have to call back when the loan is late ( pass the grace period ) so that they can help me. Lo and behold, when I call back exactly when I was told, they tell me I owe them fees. Every single month they tell me my payment has been made late, and charge me a new fee, but THEY TAKE OUT THE PAYMENTS! I 'm paying so much in fees it 's a joke. Every time I call, there is a different story about why these fees are being charged, despite paying on time every single month. I have n't paid down ANYTHING on these loans in 10 years because of fees and crazy changing payments. I hate Navient and their customer service is horrible and full of lies. Hopefully something can be done, or my credit will be ruined and I will be in debt to them for the rest of my life.
Product: Credit reporting

In review of my TransUnion report via XXXX XXXX, I 've discovered on XXXX XXXX, 2016 XXXX XXXX XXXX hard inquires were removed from my credit profile and re-inserted on XXXX XXXX, 2016 without notification. TransUnion is required by law to inform me within 5 days of re-insertion that they are adding anything to my credit profile and since TransUnion failed to notify me they broke the law. TransUnion violated my rights under the FCRA SECTION 611 laws. I 've been calling TransUnion ever since and received no help. TransUnion representatives refused to transfer me to the Fraud Department or the XXXX Department for assistance with this issue ; multiple incidents with rude, unprofessional and uneducated representatives representing TransUnion ; I have also been told by TransUnion representatives that TransUnion was aware of this issue but, refused to correct it or provide a resolution to its consumers that were affected by this glitch or TransUnion error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian many times, sent many letters to remove/ delete XXXX XXXX account
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are all reporting NON-MAILABLE ADDRESSES on my credit report, Incorrect spellings of my name, and employers I have no affiliation to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & XXXX  Account # XXXX have 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zales handling of dispute and light of the recent CFT lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial institution. Zelle failed to investigate my claims. They informed me that recovering loss, funds was impossible, and that tracking these transactions was unfeasible, the XXXX indicate that has not neglected to protect consumers.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Reporting UCC Financing Statement on Debtors Credit Report File No. XXXX Dear XXXX, XXXX, and Experian, I am writing to report a loan transaction involving XXXX XXXX, which was formalized on XX/XX/XXXX, and filed with the XXXX XXXXXXXX of XXXX under XXXX Financing Statement File No. XXXX. I request that this information be included in the credit report of the debtor, XXXX XXXX, for accurate reflection of his obligations. 

Loan Amount and Terms : On XX/XX/XXXX, I provided a loan of {$10000.00} to XXXX XXXX. The borrower is to make XXXX monthly payments of {$3300.00} each, with the first payment due on XX/XX/XXXX, the second on XX/XX/XXXX, and the third and final payment on XX/XX/XXXX. 

Collateral : This loan is secured by the following collateral, as specified in the XXXX XXXX ( Account XXXX : XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Serial Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Serial Number : XXXX XXXX. XXXX XXXX XXXX, XXXX : XXXX, License Plate : XXXX Collateral Release : Upon full and timely payment of the loan by XXXX XXXX, the collateral will be released to him as agreed. 

I kindly request that this XXXX filing and loan information be updated in XXXX XXXX 's credit file to ensure the accuracy of his credit obligations. 

Please let me know if any additional documentation or information is required to process this request. 

Thank you for your prompt attention to this matter. 

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

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX INQUIRIES* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX= All is being investigated by the FTC and CFPB . According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting 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 has violated my rights. 


After reviewing my credit report recently on XX/XX/2024 I noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 shall ( i ) 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. 

According to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I Want to Report some fraudulent inquiries that was Authorize on my Consumer report without my permission someone has stolen my identity information heres a list of inquiries that was not authorized by me Experian- 1.Experian XXXX XXXX- Date-XX/XX/2022 2XXXX  XXXX XXXX -Date XX/XX/2022 3.Experian XXXX XXXX-Date- XX/XX/2022 4.XXXX  XXXX -Date- XX/XX/2022 5. XXXX XXXX XXXX - Date - XX/XX/2022 6XXXX XXXX XXXX XXXX  7.XXXX XXXX Date- XX/XX/2022 XXXX  - Date-XX/XX/2022
Product: Credit reporting or other personal consumer reports

transunion, XXXX, and XXXX are reporting fraudulent accounts on my credit profile.
Product: Debt collection

XXXX previously reported this debt and It was removed from my credit report after communication with the credit bureaus with my police report and identity theft report. 

I responded to ERC 's original letter to collect the debt and let them know this has already been disputed and the original creditor should not be selling this debt as they have received all the required documents for the identity theft. They continued to list the debt on my credit report. This is the last attempt to have the debt removed.
Product: Checking or savings account

On XX/XX/year>, after making a deposit at our local bank, our account was hacked by someone who banked at XXXX, in the amount of {$3000.00}. We called and notified WellsFargo as soon as we saw that the funds were taken. We were told that they would start an investigation. On XX/XX/year> we called to check the status of the claim and WellsFargo changed our account number and said that they would start an investigation. On XX/XX/year>, we reached out to WellsFargo to check the status of our claim and that is when they told us that they were denying the claim because it appears that our cellular devices were hacked because they sent alerts notifying us of the wire transfer. They refuse to give us documentation showing the alleged alerts or proof that we approved the wire transfer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Company report to dispute : XXXX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that Equifax has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that Equifax will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

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

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, Account XXXXXXXX XXXX  DELAWARE # XXXX, XXXX XXXXXXXX # XXXX, XXXX 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 XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX FLORIDA # XXXX, XXXX XXXX XXXX FLORIDA # XXXX XXXX XXXX XXXX XXXX FLORIDA # 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: Student loan

I sent a Letter to ECMC disputing the accuracy of negative reporting of Charge off on my credit report for student loans that were through XXXX XXXX, I had, had them deferred back in XXXX for 6 months and then in XXXX XXXX, they were paid off in full. Those letters were sent out XXXX Certified letter on XXXX XXXX, XXXX, signed for on XXXX XXXX, XXXX. After 30 days I never heard a response back from ECMC. I 've disputed inaccuracies with ECMC back in XXXX as well, sent a letter out on XXXX XXXX, XXXX they refuse to respond to my letters requesting " that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them this debt and therefore has broken the law by not reporting in a timely manner.
Product: Debt collection

The calls from XXXX are generic in that they just say " We have an important message from national recovery agency this is a call from a debt collector please call XXXX again please call XXXX. '' It's going not to my personal phone, but to an assigned company official use phone provided by my employer. I don't believe this is legitimate at all. I believe this is a spam or robocall. I checked my credit report and don't have any indication that I have a debt that went unaddressed and now has been referred to a debt collector. Another point is that my work phone has never been used or reported by me as a way to reach me in any of my personal business. There's no way any legitimate debt collection would be going through my work phone and NOT using my personal phone at all. I NEVER get this call on personal phone.
Product: Debt collection

Non stop collections calls for a person named XXXX, unrelated to me and not me. I have asked several times for this phone number to be removed, but they just hang up on me and keep calling numerous times per week from random phone numbers that i can not block. It has been going on for months.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Mortgage

Paid off mortgage with Loancare. Letter from mortgage company dated XX/XX/XXXX acknowledging payoff. Called XX/XX/XXXX because we had not seen any change at county recorder 's office. 
XXXX started request fro inquiry, to be completed XX/XX/XXXX. Again saw no record at county recorder 's office and called back XX/XX/XXXX. XXXX found Release and Reconveyance of Deed of Trust had been received back from county recorder 's office and emailed to me.

Found our last name had been misspelled and called back on XX/XX/XXXX. XXXX opened request for inquiry and said to call after XX/XX/XXXX. Called back XX/XX/XXXX. XXXX told me it had gone to county recorder 's office on XX/XX/XXXX and to check back in 1 week. called back on XX/XX/XXXX. XXXX found nothing back, suggested I email XXXX. 
I have now emailed twice. First on XX/XX/XXXX, second on XX/XX/XXXX. NEED EMAIL ADDRESS TO FORWARD EMAILS TO YOU.
Product: Mortgage

In the spring of XXXX, we put our mortgage on forbearance due to a COVID related hardship. Every three months, SunTrust told us that we could remain on the forbearance, which we did. In the fall of XXXX, we wanted to remove the forbearance and proceed with whatever method the lender needed to use to accomplish this. At this point, we were told to wait until we received documentation in the mail to sign and have notarized, and to not pay any amount until these documents were received. This took over 3 months. Once everything was signed and fully notarized, it was sent via regular mail and was received by SunTrust ( now Truist ), though we never received the counter signed documentation from them after multiple requests. 

Now, after we have begun making timely payments for the last three consecutive months, as it was required from our new mortgage lender in order to refinance our mortgage elsewhere. Last week, the website was down due to another merger, and customer documents, statements, etc. wouldn't be available until XX/XX/XXXX. We were able to retrieve our statements, but not payoff amounts, and were directed to call the customer contact number. We can only get our payoff amount by calling Truist, typically we could have requested this through the website, but we can not get any clarity and spent hours of our day today attempting to get a person on the phone. We call, we wait for hours, and get hung up on. We are supposed to close next week on our refinance and Truist is making this task utterly impossible for us. We have our rate locked in, have signed closing disclosure documents, and paid/completed our appraisal with our potential new lender. 

Ultimately, we are trying to figure out if our subordinate mortgage paperwork ( which was signed off on ) shows whether HUD is the noteholder or if Truist is the noteholder. Based on the paperwork, we are led to believe that it is held by HUD, which would take a long time to get a payoff from, but we have received no answers or clarity from Truist if this is the case or not. This is typically a simple, standard operating procedure, and it is going to create much more hardship on us should we have to continue to pay this high interest FHA mortgage when we clearly qualify for a conventional mortgage with our other lender. 

Our new lender needs documentation, or at least someone to communicate back to tell us what is going on. The only other option is for the title company to dig further to see who holds the Note, which quite frankly is not their job to do and will likely cost us a lot more money. Public records do not show any recording of the subordinate mortgage, so for all we know, the agreement we signed is null and void and Truist is basically refusing through inaction that their mortgage be refinanced with another lender.