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

I sent all 3 credit bureaus My FTC REPORT, I.D, SS, And utility bill as well as a cover letter explaining the unauthorized inquiries and fraudulent account that are reporting to all 3 credit bureaus. They still have not removed these accounts on my report.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

Tally, a credit card debt management company, closed its doors in XX/XX/year> due to a lack of funding. The company 's founder and CEO, XXXX XXXX, said in a XXXX post that the decision was " difficult and sad '' and " not the outcome we had hoped for '' Tally was helping me pay down my credit card debt but they closed unexpectedly and they told us that we would keep the same low interest rates to pay down our debt. They switched the payment plan over to XXXX gave us a generic website to login to and start paying the debt and they raised my interest rate from XXXX to XXXX! How is this helping us? 
They did not even gave us a grace period. 
They would not let me transfer the funds to a 0 % APR card https : XXXX XXXX is their information. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX My letter from TALLY said that I was going to have a fixed APR but it increased to XXXX!!! That is impossible to pay down. 
This is horrible customer service and no one will give me a straight answer.
Product: Student loan

My apologies as the dates aren't clear, but when I first began paying my federal student loans, I was never offered any income-based repayment plans. I was informed of these plans by family and friends, not by my lender. Once I discovered these options, and that my criteria fit them, I signed up. Before this time, I used the only options given to me by my lender : Unemployment deferment, Economic Hardship Deferment, Internship Forbearance, etc. 
Each one of these options charged a fee in order to enroll. Each one of these options still charged me interest of some kind, and did not offer the same types of benefits as the income-based repayments. 
My salaries at the time were always provided, including proof of payment, etc. I would have qualified for income-based repayment at any point during these years ( XX/XX/XXXX-XX/XX/XXXX).

*Please note that I graduated in XX/XX/XXXX, and my loans went into repayment in XX/XX/XXXX. I am continually denied any information before XX/XX/XXXX, before my loans were consolidated.
Product: Vehicle loan or lease

I purchased a XXXX XXXX  XXXX. In XX/XX/XXXX. From XXXX XXXX XXXX greely dealership in greely Colorado. XXXX XXXX XXXX, XXXX, CO XXXX. XXXX was the sales person I dealt with. I looked at several cars and test drove a few all with her. At the time of my purchasing the vehicle I was living in XXXX Colorado with my son. XXXX XXXX. I was from California an had been there about XXXX months total. I didn't have a driver 's license from the state an in California I had to take care of a ticket so my license was suspended. When I went to test drive cars I told XXXX the issue XXXX my license and because of that my son was there cause he was gon na be driving the car I was purchasing. They even took a copy of his license XXXX they had my ID copied also. Full disclosure. Made the complete contract signing purchase. About XXXX weeks later my son and I drove to California in the vehicle to fix my license issue and visit firends and family and to pick up some personal items i had in storage. I was still in between states.An because of the distance in travel and to close up any matters prior to moving to Colorado. we were there few weeks. We arrived in California XX/XX/XXXX. During our trip on XX/XX/XXXX around XXXX a tow truck repossessed my vehicle. When I called the financial worker that gave me the loan. XXXX from the XXXX XXXX dealership in greely he said that it was cause of the license the contract was pulled. And they didn't return my down payment of {$1500.00} I gave the day I signed the contract. 

I don't have the contract it went in the car when they repossessed it. The guy didn't allow me to get my belongings from vehicle before he took it. It was in the glove compartment on a drive given to me be the dealership finance agent XXXX. But the vehicle VIN # I have from the insurance forms. ViN # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, XXXX, XXXX I am writing to formally dispute inaccurate information on my credit report, which I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies as mandated by federal law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers effectively about the results of investigations. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my disputes may be handled in a similar manner.

Under the FCRA, you are required to conduct a proper investigation in a clear and comprehensive manner. Please review the inaccurate information being reported on my credit report.

If the disputed information is verified as accurate, I request that you provide me with any documentation you rely on for such verification. If you find the information to be inaccurate, I request its immediate removal or correction from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute.

Failure to resolve this matter appropriately may leave me no choice but to escalate the issue with the CFPB and other appropriate agencies. 

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Reference : HUD PARTIAL CLAIM NO. : XXXX Original FHA Loan Number : XXXX My name is XXXX XXXX XXXX. I would like to file a complaint against the mortgage company named Loan Depot. Basically, in 2020, I applied and obtained a Cpvid forbearance for one year. My monthly payments were {$3200.00}. At the end of the year, I asked to come off the forbearance as I was about to refinance the loan. Based on the monthly amount, the total I owed was about {$38000.00}. However, Loan Depot demanded that I agree to the figure of some {$48000.00}. I had no less than a dozen phone calls with them to convince them that their calculation was inaccurate. Finally, they acknowledged that their calculation was wrong ; that the real figure is {$42000.00}, and they would send me a letter to that effect. The letter never came. As the closing grew closer, I called them practically every day to request that letter. They then sent a payoff to my new lender with a figure of {$48000.00}. Needless to say that the closing agent sent a check to HUD in the approximate amount of {$48000.00}. 

I have called them another two dozen times seeking reimbursement of the extra money they sent to HUD. Finally, they gave me the name, phone number, and email address of a company called XXXX  XXXX, an alleged HUD contractor in charge of handling cases like mine. I called the company to seek assistance. They advised me that someone would get back to me within 24 hours. I sent them XXXX emails to confirm. They have never responded. Just today, I spent another XXXX minutes being jerked around by Loan Depot staff. First, they transferred me to loss mitigation. Loss mitigation transferred me to Default. Default sent me back to Loss Mitigation. They sent me to a department that handled conventional loans for XXXX depot ; not FHA loans. I decided to file this complaint because Loan Depot needs to be sanctioned and made to reimburse the {$8000.00} they wrongfully, forcefully, and unlawfully to frome me to send to HUD although I did not owe them that amount. Please find, attached a letter I sent to Loan Depot in connection with another complaint regarding the misapplication of my mortgage payments. Although some of the figures are slightly off, the letter will provide you with ample evidence of Loan Depot 's derelictions.
Product: Student loan

I was given incomplete information about the terms of forbearance by the servicer of my Citizen 's loan ( XXXX ). Here is that complaint, which contains the issue that I am making a complaint for with Citizens : " I applied for an extension/forbearance. I was informed that I could forbear for XXXX increments for up to 12 months. My forbearance was accepted for XXXX and XXXX. I attempted to apply again to forbear for another 2 months since I am still unemployed and experiencing hardship. I was told that I need to wait 12 months before I can forbear again. This XXXX waiting period before using another 2 months of forbearance was not communicated to me in either verbal or written review of the terms of the forbearance. When I brought this to the attention of a representative over the phone, I was informed that the complaint would be made, but I would not be able to get additional forbearance until next year. '' XX/XX/2023 XXXX replied, noting that " In accordance with our agreement with Citizens, as your loan servicer, we are obligated to service your loan in accordance with your lenders guidelines. '' XX/XX/2023 I then called Citizens on XX/XX/2023 to try finding another way to forbear my loan. If I had known I was only able to forbear my loan for 2 months within the entire year, I may have waited and used the forbearance at an even more difficult time. 
I am now making this complaint against Citizens because they were unable to take responsibility for the lack of proper communication provided by their servicer, and were unable to extend my forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN FIGHTING THIS ACCOUNT SINCE LAST YEAR AND THEY HAVE INNACURATE UNVERIFIED INFORMATION REPORTING TO ALL 3 COMPANIES I HAVE ASKED THEM TO DELETE AND INSTEAD THEY JUST KEEP UPDATING WHEN INFORMATION IS COMPLETELY WRONG. ON XXXX IT SAYS LAST PAYMENT WAS IN XX/XX/2016 BUT YET XXXX SAYS NO GOOD PAYMENTS AND TRANSUNION DOESNT EVEN HAVE ANYTHING. I ASKED THEM TO DELETE THIS ACCOUNT AND INSTEAD THEY JUST KEEP REAGING WITH DIFFERENT INFORMATION. THIS IS WRONG AND INNACURATE AND NEEDS TO BE DELETED. I HAVE ATTACHED PICTURES TO SHOW YOU WHAT THEY KEEP DOING.
Product: Mortgage

Us bank who is holding my heloc loan for my personal residence mortgage offered me a refinance of heloc so I took offer and accepted. The auto payment that was on file after refinance stopped they said they mailed me bill but I never received the mail. Then I was late when I called them by 1 day to pay the monthly bill but they reported to the credit bureau already. I blame the Mail not getting to my home.
Product: Debt collection

This collection agency popped up on my credit report on XX/XX/20/17 and I have been disputing this with them every since then. I sent them a HIPAA verification letter as well as a debt validation letter that they have not responded to. This is not a debt that I owe because I had health insurance that was not run or charged at that time and I have told this collection agency this as well. They need to remove this from my credit report and update with the bureau 's immediately especially since they are not responding to my letters.
Product: Credit reporting or other personal consumer reports

I never gave any written to furnish my private information to any corporations. 
As of XXXX XXXX Bank has reported an account to my credit report of {$8000.00}. 
They have violated my rights and have humiliated me in front of my friends, family and work place. 
My credit went from XXXX to XXXX with a months time do to this fraudulent activity. 
Im exercising my rights using federal law and demand these accounts to be removed.

15 US Code 1681c 15 US Code 1692
Product: Debt collection

The account in question has been inaccurately marked with late payment dates, and it is essential that this misinformation is promptly removed from my credit report. Other reputable credit reporting agencies have been able to promptly update their reports based on the accurate information provided, leaving me bewildered as to why your bureau remains obstinate in perpetuating this error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I insist that you take immediate action to remove the inaccurate reporting of late payments and update the account information to reflect the accurate details. This is not only my right as a consumer but also a fundamental obligation on the part of your bureau to ensure fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$53000.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Bank account or service

Hello I have XXXX complaints on file with XXXX different Banks XXXX is Bank of America and the other is XXXX XXXX XXXX. The complaint with Bank of America is was at the hospital and the XXXX, office all day I need to go to medical records and get copy of medical report and on XXXX/XXXX/2011 I reported the card stolen to the manager at bank of America and customer service and the XXXX XXXX Police dept. Then the other bank XXXX I was at XXXX XXXX when someone stole money from it and then I ended up again at XXXX XXXX XXXX trying to get a XXXX, I was due to have XXXX surgery so me and a friend decided we should go to the beach but we both ended up in hotel room sick she is on XXXX and I was sick with the XXXX, any way none of this makes any sense because I am just XXXX person and the bank has many people and ways of saying that I am wrong but they are not giving me a chance to provide the information need because I always end up getting sick, anyway I may be fighting this till my death bed.. but I still need my money back because I would like to move from where I am living and I should have had enough money to do that between these XXXX banks they stole XXXX that 's my money from Social Security XXXX Settlement, the should be some type of Social Worker or someone somewhere that I can sit and talk with about my Identity being stolen. Besides having the banks not help solve the problem the IRS should note how people money get stolen from the banks every year or whenever it is stolen and not replace that revenue of a person money and possibly others that do n't get to spend their own money that are stolen by banks and employee of the bank. I got a police report of my card being stolen the very same day and I did report it to the bank even though they wrote some type of letter from their dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. Both Checking and Saving Account at XXXX Banks fees and money missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX continues to report the attached XXXX XXXX  account without a date of last activity. 
Remove account, after verification, the XXXX is still not reported. That is a violation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts were opened in my name without my consent. Specifically, a XXXX XXXX XXXX. account and an XXXX account were fraudulently opened. I disputed these accounts with XXXX, XXXX, and TransUnion, requesting their removal from my credit report. 

However, despite providing supporting documentation, including a restraining order against the individual responsible, I received a response stating that the accounts were " verified. '' The credit bureaus did not provide any details regarding their investigation, and I was not given any proof that they actually verified the accounts properly. 

I recently came across the CFPB lawsuit against XXXX, and I feel that I was negatively impacted by XXXX, as well as XXXX and TransUnion. Their failure to conduct a proper investigation has hurt my chances at obtaining credit, despite my clear evidence that these accounts are fraudulent. 

I am requesting that the Consumer Financial Protection Bureau step in to hold these credit bureaus accountable and ensure that they comply with the Fair Credit Reporting Act by properly investigating disputes and removing fraudulent accounts.
Product: Debt collection

i was looking at my equifax report. it shows that i opened an account with XXXX on XXXX my bill due is {$370.00}. I have not had XXXX in over a year and i had it for atleast 5yrs. I do not believe that this bill is mine. I was with them for almost 5 years and never sent in a late payment or have ever been contacted for having a bill.
Product: Credit reporting or other personal consumer reports

Ive recently Checked My Credit Report And Noticed Some Inaccurate Accounts Reporting..
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Dispute for Unauthorized Transactions - Request for Wells Fargo Bank Assistance Dear Wells Fargo Bank Customer Service, I hope this message finds you well. I am writing to urgently address the matter of unauthorized transactions made under the company name " XXXX '' and to seek your immediate assistance in recovering the funds involved. As devout Christians, my wife and I are currently facing severe financial difficulties, exacerbated by the loss of this money. Our family 's well-being, including our ability to keep our home and provide for our impending child, is in jeopardy. 

I want to stress that I have never authorized any transactions with the company " XXXX. '' The unauthorized nature of these transactions is distressing, and we are deeply troubled by the impact it has had on our financial stability. 

Given our precarious situation, we implore Wells Fargo Bank to promptly investigate these transactions and take immediate action to reverse them, restoring the funds that were wrongfully taken from our account. Your timely response and understanding of the urgency and gravity of our situation are greatly appreciated. We rely on Wells Fargo Bank 's expertise and assistance in helping us navigate this difficult time and regain our financial stability. 

Thank you for your attention and support. We are hopeful for a swift resolution that will alleviate the hardships we currently face. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX XXXX entered into a consumer credit transaction with Capital One Auto Financing on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/XXXX Capital One Auto Financing sent me a bill which is a violation of 15usc 1692b.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX XXXXM my phone was stolen. At XXXX XXXX, I noticed that an unauthorized Venmo payment of {$640.00} to XXXX XXXX ( Venmo XXXXXXXX XXXX XXXX XXXX, Transaction ID : XXXX ) had taken place, which was only possible through his access to my stolen phone. I immediately froze my bank account and called a Venmo representative, who I instructed to freeze my Venmo account. I then initiated Venmo 's payment dispute process. I thought that this would be a fairly open-and-shut case given the stolen phone, the unusually large sum for the one time payment, and the fact that I had never made a payment to this account before. 

Much to my surprise, the following day Venmo itself covered the {$640.00} transaction on my behalf and is now holding me responsible for the payment. Furthermore, they later denied my dispute because their internal investigation somehow concluded that the transaction " is consistent with your payment history. '' I am deeply concerned with how Venmo has handled my unauthorized transaction. Because of this terrible experience I will no longer be using this app and will also encourage my friends and family to do the same.