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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health and high spirits. I am writing to request your assistance in addressing a grave matter that has significantly impacted my life. This is not just about the financial repercussions ; it's about the emotional toll and the relentless pursuit of fairness and justice. I implore you to enforce the legal rights that protect consumers like me and restore a sense of security and hope. 

I am compelled to share a deeply personal story to convey the profound effects these violations have had on my life. Three years ago, I was diagnosed with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My world turned upside down as I faced mounting medical bills and the challenges of maintaining my financial stability while grappling with my health. 

In the midst of these hardships, I diligently monitored my credit report, understanding the importance of a healthy credit score for my future financial well-being. To my dismay, I discovered several egregious violations committed by creditors, which have further exacerbated my already distressing situation. 

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 : Failure to provide accurate information on my credit report. 
These violations not only marred my credit history but also added immense stress and XXXX to an already challenging period of my life. The burden of trying to resolve these issues while undergoing medical treatment has been emotionally draining. I have lost countless hours trying to correct these errors, hours that should have been spent focusing on my health and well-being. 

In addition to these inaccuracies, I also discovered several unauthorized credit 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 These unauthorized inquiries have added insult to injury, as I have no recollection of authorizing these credit pulls. The sense of violation and powerlessness is overwhelming. 

Today, I stand before you, exhausted and disheartened by the toll this has taken on my life. I implore the Consumer Financial Protection Bureau to intervene on my behalf and enforce the legal rights that protect consumers like me. I request that you investigate these violations thoroughly and compel the creditors to remove these unverified accounts from my credit report. 

I yearn for the day when I can focus on my health without the relentless shadow of these violations hanging over me. Your assistance in this matter would not only bring justice but also restore my faith in the system designed to protect consumers. 

Thank you for your attention to this urgent matter. I eagerly await your response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

When I started working on my credit in XX/XX/XXXX I had a debt listed on my report from a company called XXXX for a XXXX bill in the amount of XXXX. I disputed this debt as it did not belong to me and was listed under a name I had never gone by, XXXX XXXX ( my maiden last name is XXXX ). XXXX was unable to verify this debt and it was eventually removed from my credit report. on XX/XX/XXXX I received a credit notification that I had a collection added to my report. The debt was from XXXX XXXX XXXX for this XXXX  bill that I mentioned above. The issue here is 1 ) I never received anything in writing from XXXX XXXX regarding this debt, therefore I was not given the chance to request validation or dispute this debt. 2 ) I was not notified by either XXXX  or XXXX regarding this debt being reinserted into my credit file, therefore it was illegally reinserted. I disputed this debt with XXXX  and XXXX already and both came back verified as accurate. This debt does not belong to me.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please
be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my
question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple fraudulent accounts and charges on my credit report. These included accounts opened with XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The fraudulent activity began as early as XX/XX/XXXX, with the most recent fraudulent accounts being opened in XX/XX/XXXX. 
XXXX XXXX XXXXXXXX : Fraudulent accounts opened in XX/XX/XXXX, with a total unauthorized charge of {$7000.00}. 
XXXX XXXX XXXX : Account fraud began in XX/XX/XXXX. Although there were no fraudulent charges, the account was opened without my permission. 
XXXX XXXX XXXX XXXX : Fraudulent activity started in XX/XX/XXXX, with {$44.00} in unauthorized charges. 
XXXX XXXX XXXX : XXXX began in XX/XX/XXXX, with {$1200.00} in unauthorized charges. 
I immediately took action by contacting the companies involved, freezing my credit, and reporting the identity theft to the FTC. Despite my efforts, these fraudulent accounts have negatively impacted my credit and financial standing. I request that these companies take the necessary steps to close the fraudulent accounts, remove the charges, and correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

609a1a of the fair credit reporting act Equifax or XXXX XXXX nether one of them was able to properly verify the collection account but will not remove it from my credit file. the law is very clear. i have therr letters and there respond saying it is verifed but never showed me no original documents. witch the law states that they have to provide.
Product: Vehicle loan or lease

I made my final payment in XXXX, everything went according to plan. Received the letter that account had been paid in full and the XXXX was released. XXXX, I received the title. Perfect Process. XXXX rolls around, I start getting collections calls, stating that I had missed my XXXX payment and that I was XXXX days past due. 

The only communication from the prior was your account is paid, and here 's you title, so why would I be looking to make additional payments.
Product: Vehicle loan or lease

I was contacted and told my contract for my Automobile with Us Auto sales was switched to Westlake and I automatically was feeling a red flag, but I followed through and made a payment but when my birthday came around and I couldnt get my car registered I started doing some research and found that us auto sales has went under because of failure to be a legitimate business so then I received a letter saying I owed {$22000.00} and I called them to dispute it and the sales guy said that the call was recorded and that if I pay them {$3000.00} cash I could have my title in 30 days so I then sold a truck that I owned and called back within a week and asked for a letter to be sent to me with that offer in it but it never happened so now Im looking to file and join the lawsuit that is against us auto sales/ Westlake for my money back and default of my original contract. I was finally sent a letter asking me to pay {$17000.00} with in 14 days of getting that letter, after I sold my only form of legal transportation thinking I could finish paying off my car with {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

my legal full given name is ; XXXX XXXX XXXX, I go by NO other name, the credit reporting agencies will nor delete the wrong names off of my reports.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I own a property at XXXX XXXX XXXX XXXX XXXX fl XXXX. In XXXX, I received a letter saying that XXXX, XXXX was taking over that mortgage and my other mortgage at XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. 
The letter stated that nothing about the mortgages at all would change. 
I had the house at XXXX built and was built on an elevated lot in XXXX. From XXXX until my mortgage was transferred in XX/XX/XXXX, no flood requirements were needed as the house is elevated. XXXX assumes the mortgage and says that FEMA remapped in XXXX and now requires flood. I contacted FEMA and they said that wasnt true ... .it was not remapped in XXXX. I told XXXX this and they said FEMA was wrong and that I had approximately 25 days to get flood insurance or they would place a {$2600.00}. flood policy in escrow against my mortgage. I re-contacted FEMA and they advised me to submit a removal request. FEMA said this process usually takes 60-90 days after I get them info from the flood plain manager in XXXX. I called/emailed/contacted XXXX, asking them for an extension and never heard back. I tried more than 20 times to reach XXXX concerning this matter. NO reply from XXXX. 
Since I didnt hear back from XXXX, and felt that the {$2600.00}. was an extreme amount, I purchased my own flood policy for {$360.00}. I emailed them asking if they received it in time and they said yes. Both myself and my insurance agent sent this to XXXX. XXXX still placed an additional 2nd flood policy against my mortgage. They are now trying to do this with my residence at XXXX XXXX XXXX XXXX. When I emailed them to figure out why they are doing this, they replied that they would get me an answer in about 30 days! 
I have had and flood policy for years at that address. SPS are requiring 2 policies per property. They want {$2400.00}. for that policy ... I paid a little over {$310.00}.! 
I can not reach anyone to provide me answers. 
Can someone please assist me with this? I have close to 60 hours involved in this and zero answers. 
Thank you.
Product: Mortgage

I have been working with a HUD counseling agent who has been present with all phone conversation with mortgage management company Shellpoint since XX/XX/XXXX to arrange for an extension on an existing forbearance. 

On that call we spoke with customer service representative XXXX XXXX after failing to reach my assigned case XXXX XXXX XXXX directly. We were advised to call no later than XX/XX/XXXX to ensure that a forbearance extension request was honored. 

On Wednesday, XX/XX/XXXX I contacted Shellpoint again with my HUD counseling agent. This time we spoke with XXXX XXXX agent id # XXXX after again failing to reach XXXX XXXX on their direct extension. They placed the request for forbearance extension and advised us that I should receive an answer from XXXX XXXX via email or formal letter of status of forbearance extension we should wait to call again after XX/XX/XXXX. 

Today is Monday, XX/XX/XXXX and again had a conference call with my HUD XXXX with Shellpoint to check on the status of my forbearance since I had only received one letter dated for XX/XX/XXXX that did not include a forbearance extension as one of my solutions. My hardship has not changed and I am still unemployed and can not move forward with anything other than a forbearance. Again we were unable to directly contact XXXX XXXX and spoke to agent XXXX XXXX who also failed to reach XXXX XXXX multiple times. They placed an escalation on my request and were told that an answer would be provided in 3 business days and to contact them again on Friday, XX/XX/XXXX. I am concerned because previous conversations that my forbearance would end on XX/XX/XXXX. My assigned agent has not contacted in quiet a long time and they have contacted me on at least XXXX different emails and has refused to communicate several times unless I included their Loss Mitigation team making it very hard to have a consistent and reliable form of communication.
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. 
Account name : # 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 Account has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 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. 16815-2 ( A ) ( 1 ) A person shall 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: Checking or savings account

I am filing a complaint regarding multiple overdraft fees apply to my account. Despite having sufficient funds at the time, the transaction was authorized, I was charged overdraft fees due to delays in the posting of charges and credits.

This situation mirrors, the recent finding by the CFPB regarding Navy Federal practices were overdraft fees were assisted on transactions that settled the insufficient balances, even though funds were available when the transactions were initiated.

I believe these practices are unfair in respectfully request an investigation into my account and the specific transactions in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry appeared on my credit report from Citibank Na, XXXX XX/XX/XXXX. I contacted the creditor that same time frame and advised them I had been compromised & this account inquiry was fraudulent and it needed to be removed from my report. They conducted their research & it was removed from XX/XX/XXXX reports but still remains on XX/XX/XXXX. I've since put a 7 freeze on for all the credit bureaus. I contacted Citibank, Na, waymc again in XXXX, they advised me they had sent another request to have this removed from my report & I received a letter the 2nd time from them stating this fact. XXXX this was still on my report I had filed an online dispute w/XX/XX/XXXXand reached back out to Citibank again to request this removal. There was no change. I submitted section 609 letter XX/XX/XXXXsent certified mail at the beginning of XXXX requesting this to be removed from my report along w/documentation from the creditor advising they had 30 days to have verified. As of XX/XX/XXXX I contacted XX/XX/XXXX and they have my documents on file but state the were not able to remove from my report due to the letters from Citibank were not proper form of docs they can use to remove & advised me to process form on FTC.Gov and fax a copy to them for faster removal..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened. I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX XXXX. <P/>
The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA XXXX
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies and potential violations in my credit report, which I believe infringe upon my rights as a consumer under U.S. law, particularly the Fair Credit Reporting Act ( FCRA ). These inaccuracies include incorrect personal information, such as my name, addresses, date of birth, and employment details, as well as errors in reported accounts, collections, and unauthorized hard inquiries. 

I requested that the reporting agency verify and substantiate all the data listed in my report, in line with FCRA standards and Metro 2 guidelines. Specifically, I highlighted inaccuracies with accounts like XXXX XXXX and XXXX, collections under entities such as XXXX XXXX  and XXXX XXXX  XXXX and an unauthorized inquiry from XXXX  XXXX on XX/XX/XXXX2024. These errors undermine the integrity of the data in my credit file and could negatively impact my financial standing. 

I emphasized my right to fair and accurate reporting and demanded a thorough investigation and correction of these discrepancies. Furthermore, I reminded them that failure to comply with their obligations to verify and report accurate information, as required under the FCRA and the 2020 CRRG, poses significant legal risks. 

I expect these issues to be resolved promptly, as this situation directly affects my creditworthiness and trust in the reporting system.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to address the ongoing issue of inaccurate account information on my credit report that has not been removed following seven unsuccessful reinvestigations. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related laws.

Basis for Dispute : I have previously submitted multiple disputes to TransUnion regarding inaccuracies in the account listed below, providing clear evidence of the errors and requesting its removal from my credit report. Despite seven reinvestigations, the inaccurate account remains on my credit report, which is a clear violation of the FCRA and applicable regulations.

As per Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA and 15 U.S. Code 1681i ( 5 ), if a reinvestigation does not resolve the dispute, the credit bureau is required to delete the disputed information. The repeated failure by TransUnion to remove this incorrect account information has caused me significant financial harm and distress. 

Account Information : Account Number : XXXX Creditor Name : XXXX I request that the Consumer Financial Protection Bureau investigate this issue and take necessary legal action to ensure that TransUnion complies with the FCRA. I am also requesting the immediate removal of the inaccurate account information from my credit report.

The inability of TransUnion to properly handle this matter has negatively impacted my credit standing, and I am seeking your assistance in enforcing the legal obligations TransUnion is required to meet under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my credit report I see that there is a debt from XXXX XXXX represented by Caine & Wiener in the amount of {$2800.00}. This account has been removed and deleted by several collection agencies due to fraud and the original creditor not informing them that is due to fraud. In XX/XX/XXXX I wrote to XXXX. XXXX about this debt and the fact that it did not belong to me and to remove it because a former collection agency had to do the same thing. Now 2 years later XXXX XXXX has sold this account to yet another collection agency Cain & Wiener in XXXX of XXXX. I can never seem to get my life back on track or catch a break from someone stealing my identity and using my information. I wake up daily with anxiety because I am always having to check something every day to make sure. Please have them remove this debt and to stop trying to collect on something that I know nothing about.
Product: Money transfer, virtual currency, or money service

In 2011 SunTrust bank closed out my checking/ savings account stating I had a fraudulent check deposited into my account, and they refused to give me any type of explanation as to where the check came from or who deposited it into my account. 
I opened the account with {$100000.00}. 
As of now SunTrust has changed to Truist and I still can't get any answers as to where my money is. 
I appreciate any help in this situation. 
Thank you.