23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Since the year XXXX I have disputed with the XXXX major credit bureaus after discovering several credit cards and other accounts opened without my consent. After 4 years of failed efforts on my behalf I obtained the assistance of XXXX XXXX, As of XXXX XXXX XXXX identity theft victims complaint and affidavit was filed with additional documents was submitted to Transunion XXXX XXXX and after a new investigation and verification of the claim made my whole credit profile was erased. The gross negligence of the XXXX credit bureaus since the identity theft occurred to present day has me disfranchised I unable to obtain financing for a new home, vehicle and even gainful employment. Currently they are reporting inaccurate incorrect & negative information on my credit reports I have several credit inquiries I did not make a account with XXXX which is open and current being reported as closed, the length of my credit history is incorrect several versions of my name as aliases and several versions of my address. I am domicile to XXXX, PA XXXX & a private mailbox mailing address as XXXX, Pa XXXX for security reasons to protect and prevent further identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  had an accounting error regarding an outstanding balance due on my closed account. This was then sent to a debt collection agency, Credit Management. XXXX XXXX  agreed to resolve the error and request that the debt collection be removed from my credit reports, by contacting the collection agency, Credit Management of XXXX XXXX XXXX, XXXX, TX, XXXX. The collection notice was only removed from one credit reporting agency ( XXXX  ), however, not removed from XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late charges inaccurately reported on my credit reports with Experian, XXXX, and XXXX. Despite my previous disputes with them, these inaccuracies remain unresolved. Furthermore, the reporting appears to have been made without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ). 

Additionally, I was affected by the XXXX data breach in XXXX and my XXXX XXXX is XXXX. The breach compromised my personal information, and it is possible that these inaccuracies are a result of this unauthorized access. I also understand that there was a breach at the Consumer Financial Protection Bureau ( CFPB ), which further exposed my information and could contribute to the inaccuracies on my credit reports. 

Under the FCRA, I am entitled to have all inaccurate, incomplete, or unauthorized information removed from my credit report promptly. Furthermore, I request : Verification of the methods used to investigate and verify this incorrect reporting, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), within 30 days.

Disclosure of the original source of this incorrect information, including who provided the late reporting to Experian, XXXX, and XXXX. 

Immediate deletion of the inaccurate information from my credit reports. 

To date, I have not received any proof of the investigation methods or results from my prior disputes. This lack of response is a violation of my rights under the FCRA. 

Attached, I have included proof of my identity to support my dispute : Proof of identity ( e.g., drivers license, Social Security card ). 

Please consider this matter urgent. I expect your written response, as required by law, within the 30-day period allowed under the FCRA. If this issue is not resolved satisfactorily, I am prepared to escalate the matter to the Federal Trade Commission ( FTC ) or pursue other legal remedies available to me. 

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

Subject : Request for Permissible Purpose for Credit Inquiries Dear, XXXX, XXXX, and Equifax I am writing to request an explanation of the permissible purpose ( s ) under which your organization has reported inquiries on my credit report under the name XXXX, XXXX XXXX XXXX. 
These inquiries appear to have been submitted to or through your agency. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, consumer reporting agencies are permitted to provide access to credit information only for specific purposes, such as : 1. Credit transactions initiated by the consumer.

2. Employment purposes with the consumer 's consent.

3. Insurance underwriting initiated by the consumer.

4. Legitimate business needs in connection with a transaction initiated by the consumer.

The FCRA mandates that all credit inquiries meet one of these permissible purposes. I kindly request : 1. A detailed explanation of the permissible purpose associated with any and all inquiries reported under my name. 
2. A list of entities that accessed my credit report through your agency and the reason for each inquiry.

3. Copies of any records or documentation you have on file that support the reporting of these inquiries.

If any inquiries were conducted without a permissible purpose or without my consent, I respectfully request that you investigate the matter and remove any unauthorized inquiries from my credit report.

Please respond to my request within 30 days as required by the FCRA. You may contact me at the information provided above if additional details are needed.
Product: Credit card

Due to an overpayment, I had a large negative balance on  my Lowe 's store credit card. I requested a refund of this balance per Lowe 's policy. This was 50 days ago. I was initiall y told it would tak e 7 to 10   days to process the refund. Several days after that time had lapsed ; I was told it would take up  to 20  additional days for them to resolve my refund. It has now been 30 days since they said that and I still have not heard anything from them. At this point I can only assume that they plan to not release the balance to me. Can you please contact them and ask why they are witholding funds from me against my will? Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion credit report 3 times. I tried to file an dispute on some inquires that were no authorized by me. The first time I called it was XXXX/XXXX/XXXX, the representative stated they do n't do disputes on inquires. The next day I called back XXXX/XXXX/XXXX that representative stated I have to mail in or fax my dispute in. XXXX/XXXX/XXXX called to check the statues on the dispute. Was told they did n't have it, that i need to resend it. Hung up called back same day. The rep stated they received the dispute. That i need to contact every creditor i am disputing with also that I need to get a police report. Went to the police dept where i am located. Was told I cant file a report unless my information was used and gain goods off my information. I then spoke with the Supervisor of the dispute dept. He stated i would have to waite till the inquires fall off. I then asked why do I have to waite for something to fall if its not mines or was authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I was involved in the natural disaster hurricane Michael. I had a XXXX XXXX  that was almost paid off and my insurance company paid the remaining balance. Being under Extreme stress of not having a vehicle I checked the box on the Trans Union app to investigate my lender as to whether or not they had closed out my account as a positive line of credit as which it should have been. Not knowing the guidelines that the lenders only have to abide by they only report once a month. So basically just because I wanted an inquiry as to why the account had not been closed yet Trans Union took it upon themselves to just completely delete the account since they found neither party of any foul play.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting an account on Chexsystems. I have reached out to the company for resolution and provided a police report number for identity theft. The XXXX PD Criminal Report case number is XXXX. The account needs to removed from my Chexsystems report immediately. It has been proven to be fraud and the police are investigating. My identity was stolen, including GA ID and SSN. Both had to be replaced and both requests can be proven by the Georgia State Department of Driver Services as well as the Federal Social Security Administration.
Product: Mortgage

First of all, I am a XXXX XXXX. I've owned my company for 14 years, and I have been in the industry for over 17 years. As I XXXX, I send quite a few loans to Finance of America Mortgage. Their servicing company is XXXX XXXX XXXX. 

I recently refinanced my OWN mortgage, and my XXXX used Finance of AmericaXXXX as the lender for the loan. During the loan process, obviously, one of the loan conditions was to provide proof of insurance IN FINANCE OF AMERICA/XXXX 'S NAME. My insurance agent updated my insurance policy. 

And Finance of America/Loancare had a copy of my current XXXX Page UPDATED INTO THEIR NAME AS LOSS PAYEE before the loan even closed. 

Shortly after funding, XXXX sent me a threatening letter : " let up insurance and provide us proof of insurance or we'll force place lender coverage onto you. '' I sent them an email, TO THEIR SPECIFIED EMAIL ADDRESS. I notified them of several things : 1. First, that other clients of mine have been complaining about XXXX improperly handling their escrow accounts post funding. 
2. I, now a client with my own mortgage, was seeing that even though XXXX/Finance of America had my Evidence of Insurance IN THEIR NAME, as a condition of FUNDING A LOAN WITH THEM, they were sending me threatening letters improperly. They should have a modicum of competence, see the proof of insurance in their file, and act like a professional servicing company. 
3. I notified them on XX/XX/2022 by email, at their specified email address, that if they continued to send me threatening emails improperly that I would file a complaint with the CFPB. I've attached a copy of that email. 
4. That email also included, AGAIN, the evidence of insurance that we had submitted during the loan process PROVING that the insurance is already in XXXXFinance of America 's name. My company is actually good at what it does, so this was a condition that we supplied properly during the refinance process. 
5. Because I anticipated XXXX 's incompetence and inability to handle simple tasks, I also FAXED, on XXXX, a copy of my evidence of insurance. 

After all of this ADDITIONAL work and due diligence on my behalf, guess what? XXXX sent me ANOTHER threatening letter stating that they don't have my insurance and will be force placing coverage. I received that letter on XX/XX/2022. 

For the CFPB 's edification and to show that XXXX is unable to handle a simple task of looking at a PDF document, I'm supplying the original Evidence of Insurance, that matches exactly what Finance of America wanted and what XXXX wanted that we submitted DURING THE LOAN PROCESS AND BEFORE FUNDING. 

If XXXX is so incompetent that they can not handle simple tasks like this, they should get out of the servicing business. Unfortunately, this incompetence is also part-and-parcel of what we've experienced with Finance of America. 

Guess which company doesn't get our loan submissions any longer? 

Nonetheless, XXXX needs to be monitored by the CFPB because they are not handling their fiduciary duty properly, and it's causing distress and financial damage to their clients. 

That's improper, wrong and unacceptable. Period.
Product: Debt collection

Rent recovery solutions- Georgia , XXXX  XXXX in XXXX XXXX , LA Rent recovery solutions continue to contact me for a debt that I do not owe. The XXXX owner continued to put fees on my account and charge me for things I wasnt aware of and He never returned my deposit. This is a true slum lord, I have multiple neighbors that had the same issue. XXXX  XXXX  staff members never check the mail until it was in the middle of the month, then they would post a payment to your account and add late fees.
Product: Credit card

After viewing a copy of my report, I noticed a collection account placed on my credit report from CAPITAL ONE XX/XX/2023 in the amount of XXXX ( THIS ACCOUNT HAS BEEN PAID OFF ). First and foremost, I have confirmed that the debt collector, CAPITAL ONE is not licensed in the state of Louisiana to collect on this debt. Secondly, CAPITAL ONE, violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to CAPITAL ONE? I have never heard of them, have no written contract with them and have never received any benefits from them, yet CAPITAL ONE has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$310.00}. PAID IN FULL!
Product: Credit reporting or other personal consumer reports

Transunion LLC ( address XXXX XXXX XXXX XXXX XXXX XXXX 
phone no. XXXX. ) ( Transunion consumer relations : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is reporting a XXXX XXXX XXXX on my consumer report. report no. XXXX XX/XX/XXXX ( disputed again on XXXX ) file no. XXXX ( XX/XX/XXXX ) Transunion Re-investigation Info : This item was updated from our processing of your dispute in XX/XX/XXXX. Estimated month and year that this item will be removed : XX/XX/XXXX Public Records : Information gathered from courts or other government agencies about legal matters associated with you. The most common Public Records are bankruptcies, tax liens, and monetary judgments. Hard Inquiries Contact Info Address Last call to Transunion LLC took place on XX/XX/XXXX approximately XXXX ( lasted for 1 hour 47 secs. majority of time was spent on hold. very frustrating.XXXX was rude and not understanding and very nonchalant about something very serious to me the consumer. bad customer service. ) According to Trans union rep XXXX on a recorded line as mentioned on the call.can be heard clearly saying they acquired the information from the courts which is middle tennessee. 
That is a bold faced lie. This is very annoying to hear because i called the court personally and asked them why they were reporting an in accuracy such as this and they replied they do not report to any credit reporting agency especially Tansunion LLC, XXXX, XXXX and XXXX. This is a direct conflict of information/not Factual/misinformation/deceptive, and the Court has now sent me proof of what was discussed on the phone call. which is " the middle tennessee court does not report consumer information to any reporting agency which includes Transunion LLC., XXXX XXXX XXXX and XXXX stating that they do NOT provide Any information to credit reporting agencies. The Court states they are not Responsible for the reporting of this information on my report, nor do they ever validate and/or confirm public records. Transunion states the source as XXXX XXXX XXXX XXXX. ( incorrect ). Next they state they obtained information from XXXX. Document from court does not confirm this as TRUTH of FACT either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX account in collections for the amount of {$2100.00}. XXXX allowed changes to be made to my account fraudulently and without my knowledge or permission. These changes caused me to incur {$2100.00} in fees early termination, equipment and so on. I called in XXXX2015 and they said they would be removed and my account closed and the responsible party would be handled accordingly. I just noticed it reporting negatively XXXX is now saying it was placed in collections and is no longer with them. According to the law I am not responsible for this debt. XXXX says its on the collection company and credit bureaus to remove. I have no contract with XXXX who is currently holding this debt.
Product: Mortgage

currently I have a XXXX XXXX  mortgage and a HELOC on my house with the same lender. I am doing a refinance on my first mortgage ( XXXX XXXX fixed XXXX and it requires my current lender to sign a subordination agreement with my new lender because the new XXXX XXXX fixed mortgage is with the new lender the current HELOC will stay with the current lender. 

the new lender and us have been waiting for the current lender to respond the the subordination agreement for almost 2 months with no update. The new lender and the title company and I all have tried to call/contact/email them numerous times with no response and update. So I basically run out of options what to do. Hence I submit this complaint hoping this agency can help me to move this process forward so I can complete the refinance process.
Product: Credit reporting or other personal consumer reports

I'm unaware of these inquiries and did not authorize the company to make them. Kindly remove them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible use thats the reason they wont deletehowever based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. NONE of the inquiries EXCEPT the ones I have direct open accounts with should be on my consumer report AT ALL!

Please cure asap or I will move forward with the INTENT TO SUE for each and every valid violation.
Product: Vehicle loan or lease

I was home when my X girlfriend called me to go meet her at Honda dealer in XXXX XXXX XXXX, I went there when one of the guis said let me sign some papers, I asked him for what, he said has witnessed. Then after some time I saw this depth on my credit report .I call them they told me my X girl friend did not pay for the car, and they repossessed it, they said am a co signed
Product: Checking or savings account

Today XXXX XXXX I contacted chime about a check that was deposited in the amount of XXXX from the IRS chime said that they sent the check back on XX/XX/23 at XXXX XXXX  I because my account was closed I contacted the IRS and the said that they never received a returned check from chime but chime is saying that the check was returned to the IRS
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I sent Experian a certified letter letter stating that I want them to delete the XXXX  XXXX bankruptcy from my credit report because they violated my my rights. I didnt get any response so I called them and I talk to a gentleman and I asked him who reported the bankruptcy on my credit report that by law they violated my rights that I wanted the bankruptcy deleted immediately. Hes response was XXXX report to the credit bureau. So I wrote XXXX and I stated by law you all violated my rights ( FCRA ) ( 15 U.S.C s 1681 et seq. ) that Im demanding deletion.
Product: Debt collection

I / we have received numerous phone calls from an American Express agent in regards to an account that none of the individuals he has been calling have any responsibility or ownership. 
I consider this approach harassment and unprofessional tactics related to a Company I believed to be highly credible.
Product: Debt collection

There was a judgement against me. My wages have been garnished. The debt is now paid plus legal fees have also been paid. My wages are still being garnished -- XXXX full paychecks past what I owe. I called Solomon & Solomon, PC. They said they would stop the garnishment, but they have not. I do not know what course of action to take to make this stop and get my overpayment back. I have called the sheriff, they said they can not help. I called the court clerk, they told me they can not give legal advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV funding continues to report an inaccurate and unverifiable account on my credit report. They continue to sell it within their own companies, as they have multiple llc 's. And this is negatively affecting my life and ability to acquire financing. 

According to the FCRA 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 : 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C. 1681 section 611 ( 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My initial interaction with XXXX XXXX Mortgage was brief and seamless. Unfortunately, my experience has quickly gone downhill. I currently have three mortgages under my name, and I have never missed a payment. My first step of owning a new property is setting up autopay. 

I set up autopay on XX/XX/XXXX, please see attached email confirmation that was sent to me. On XX/XX/XXXX I received a letter in the mail stating that my loan was going to be in default if I dont pay my mortgage. I called into XXXX and set up autopay again on XX/XX/XXXX with the help of a representative, please see attached email confirmation of this. I received another letter in the mail saying my loan was in default because my loan was not paid on time. I set up autopay for a third time on XX/XX/XXXX, calling in XXXX afterwards to express my concern with the matter. The XXXX employee was very helpful and encouraged me that this technical problem with setting up autopay would not negatively impact my credit score. 

Unfortunately, because of their system to set up autopay failed me, my credit went down more than XXXX points. I had an excellent credit score +760 and never paid late on prior debts. I have contacted XXXX and submitted formal complaints with all levels of customer service representatives. They explained to me that because, technically, my payment was late, they could not do anything about correcting this issue. My rebuttal to them is that the payment was only late because of their failed system. I took immediate initiative to resolve the problem when it was brought to my attention. XXXX told me that I needed to contact Experian and put in a claim with their customer service team. XXXX and Experian both gave me the run around and treated me like a number on a spreadsheet, not a human being. 

I am a small scale real-estate developer in XXXX, OR, and having a good XXXX XXXX is crucial to my success. Please, contact me for any additional information needed to complete this investigation. 

Thank you for your consideration, XXXX