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

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. XXXX XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This has to do with banking policy regarding beneficiaries. We are old and having beneficiaries on our accounts is very important to us. This bank as well as all the other banks we have gone to will not show us the beneficiaries on our online app. We have to come into each bank in person to view the beneficiaries or change them. 
We asked the branch manager at Huntington Bank about it and were told that basically this is the way it is. I can mention other banks that have given us the same answer but you only wanted one. The date was XX/XX/2024. No amounts were involved of course since we just wanted to add the two beneficiaries. 

An other financial institution such as XXXX ( not a bank ) allowed us to view and change our beneficiaries online. I hear that XXXX  bank allows customers to to view and change their beneficiaries but we deal with banks that have a physical presence in our area.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX, has violated my rights. 

XXXX  XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C.1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states 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 antedate 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: Debt collection

I recently received a copy of my credit file from three major credit bureaus and contain inaccurate information by your company. The report contains an amount of : {$2400.00} Account # XXXX and amount XXXX Account # XXXX. I did not make or authorize this charge. I am requesting that the charge be removed on all accounts from your company record and remove ASAP from XXXX major credit bureaus. Disputed Account # XXXX and XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Total Amount Claiming : {$1600.00} and {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I created a new identity theft report as Equifax is now violating 18 U.S. Code 1028A which is Aggravated Identity theft as they chose to continue reporting this false information. I had sent a previous notice to Equifax that there are some unauthorized fraudulent inquiries on my consumer report and the dates that I sent the notices were XX/XX/XXXX and the reinvestigation letter on XX/XX/XXXX. I provided an identity theft report together with my identification but they insisted that It was Factual and accurate. However when I asked for the procedures they took to verify the inquiries they did not reply. It has been over 60 days since I sent the letter. See attached letter and exhibit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX on XX/XX/XXXXXXXX  ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Checking or savings account

I visited Chase Bank ( branch XXXX XXXXXXXX XXXX, NY ) to create a cashier 's check of {$20000.00} from our personal checking account. This check was to be used for an earnest money deposit and was time sensitive. 
Chase issued a check, but instead of being issued from our personal checking account, it was noted as being issued from my business. This was not acceptable for the purpose of the deposit. 
Chase took the check and tried to reverse this to create the check under my name. They made a mistake in the system and, after several hours, could not return the money. They agree it is their mistake but that it's out of their control. 
They have informed me that I should have access to the money in the coming days, but this isn't an acceptable solution when we are legally required to provide this check in a time-sensitive manner.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a letter to Equifax declaring that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction. Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state that a credit reporting agency may only furnish and report personal information to a credit report with the written instruction of the individual as to whom the report relates. Equifax has yet to take any action on the removal of these accounts from being publicly disclosed. It is Equifax 's duty to abide by the laws that allow for consumers rights to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.
Product: Vehicle loan or lease

I purchased a car from US Auto Sales on XXXX It has come to my attention recently that US Auto sales is no longer in business. I was current on my payments. No if I go to the website to try and make a payment I get re-routed to a company called Westlake Portfolio MGMT. So I have started making payments to them for fear of them taking my car that I have worked so hard to pay for. However Westlake has started my loan over from the beginning amount as if I have never paid. I can't seem to get any answers. I never signed any contact with Westlake. Nor was I contacted by anyone about the change. Lastly I purchased a service contract with US Auto only to learn that they never paid XXXX so I'm not sure what they did with the money. I have had to pay for all repairs on my car out of pocket which has been very expensive. Please advise.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a statement from Synchrony Bank/XXXX XXXX XXXX ( XXXX ) that my account was " past due '' in the amount of {$28.00}. plus interest of {$1.00}. I had not charged the purchase of any merchandise at any XXXX 's XXXX using the XXXX since XX/XX/XXXX. There was no balance pending payment since I always paid outstanding amount, avoiding any interest charges. When speaking with a rep of XXXX, I was told that the amount outstanding represented balance due of membership remewal fee.. Whoa! XXXX had unilaterally charged the credit card for my membership fee, unauthorized. I remember that during the month of XX/XX/XXXX, while at a XXXX XXXX XXXX in XXXX GA, I requested the status of my membership and whether any balance was due. I was verbally informed that i was " fully paid ''. I presumed that my account was in good. Then last week, I received the above mentioned correspondence. After speaking with a XXXX rep, it was agreed that the past due amount and interest due were incorrect, and reverse charges were initiated. Problem solved? No, because the report issued to a credit bureau included the past due notice plus interest. Wrong! This should never have happened -- renewing a club membership without member 's authorization, then compounding the error by entering into a past-due, late payment borrower. This should be corrected immeidattely.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

I didn't purchase item debt they are trying to get money to pay. It was purchased by a Mrs. XXXX XXXX XXXX, residents last known address was XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX XXXX  XXXX XXXX, XXXX, GA. Her phone number last known no longer of service, because the vehicle they seeking payment for past balance of was completely in her name. Also, On XX/XX/XXXX in a court proceedings Mrs. XXXX requested courts to award her the vehicle money owed on plus a vehicle which I purchased with cash when I first got out of XXXX XXXX XXXX XXXX and XXXX XXXX from having to have XXXX services in order to walk or take care of myself from a XXXX and a XXXX XXXX due to XXXX  in my sleep and I had a XXXX and a XXXX XXXX a wound up in at XXXX XXXX XXXX hospital in XXXX, GA, a XXXX Hospital on XXXX XXXXXXXX fighting for my life on XXXX XXXX until XX/XX/XXXX. I took out a title loan to get the money which I loaned to Mrs. XXXX for the down payment on the vehicle they are seeking money on balance owed which I believe was around $ XXXX {$5600.00}. I talked to them about this issue, but insisted to ruin my credit which was at time when vehicle got repossessed and I couldn't do nothing to make sure Mrs. XXXX made the payments on said vehicle due to the fact on XXXX XXXX I was placed under XXXX  for XXXX XXXX XXXX, for pulling a XXXX on a guy who was staying at Mrs. XXXX residence after the guy XXXX XXXX me after just getting out of hospital and was deemed XXXX after I got out if the XXXX  facility, due to Mrs. XXXX false statements when guy called the cops on me. I do know that they resold said vehicle for an undisclosed amount, because the dealership told me that it was resold. Also, the creditor sent me a payoff offer to clear up debit to get off my credit FOR the amount of $ XXXX {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is listed on TransUnion current Account owner as XXXX XXXX XXXX for XXXX XXXX XXXX # XXXX Also, listed on XXXX as current Account owner as XXXX XXXX. 

This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several inaccuracies regarding late payment reporting for my account APPLE CARD/GS BANK USA XXXX Specifically XXXX there are late payments reported for the following months : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX I believe these late payments are inaccurately reported. According to my records, all payments were made on time. 

Could you please provide proof of these late payments, specifically canceled checks showing the date each payment was processed? I must emphasize that records of transactions alone are not sufficient proof of late payment ; what is required is evidence demonstrating that the payment was indeed processed late. 

Furthermore, to maintain a positive relationship, I am open to resolving this matter through a goodwill adjustment to remove the late payment reporting. This adjustment would greatly assist in correcting my credit report and maintaining my financial health. 

As per the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and verifiable. If you can not provide the requested proof, please remove these inaccuracies from my credit report. 

Thank you for taking the time to look into this matter. Please let me know when you've received this letter and the actions taken to correct my account. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XXXX, I requested assistance from XXXX XXXX to modify my loan during a severe economic downturn. XXXX XXXX would only offer a 5 yr balloon option. I advised them at the time, that I was in the process of a short sale on my prior home and would not qualify to pay them off in 5 yrs. They stated that as long as I proved I had the ability to repay they would remodify after the 5 yr term. Fast forward to XXXX XXXX, I submitted for remod, XXXX sat on the file till XXXX XXXX, then sold the file to XXXX XXXX. I contacted XXXX XXXX and they said I had to wait for 60 days till they got the complete file then they would issue me a new remod package. I received that pkg in XXXX XXXX. Completed and resubmitted. They advised me in XXXX XXXX they would no longer accept pmts because the balloon came due in XXXX XXXX. I applied for assistance from the state in hope this would entice the lender to remod. The state said they would provide {$30000.00} but that they could not finalize unless the lender agreed to modify. XXXX did not respond for months but finally told me the investor would not extend the loan because they purchase the file on the secondary market as a fully maturing 5 yr balloon loan. I requested a reconsideration because this was a fraudulent transaction sale as this was sold to me as a balloon with the remod option at the end of 5 yrs. I did not hear back from them. Several months passed and I received notice that Shellpoint Mortgage was now servicing the loan. I requested for the mod pkg. provided all of the items and proof of income to support repayment. They said I cleared underwriting and were just waiting on the investor to determine which remod option was available. This took place in XXXX XXXX. XXXX XXXX they stated they needed 30 more days. I did not hear from them till XX/XX/XXXX. They declined the remod and gave the option to short sale or deed in lieu the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a dispute with Experian credit reporting agencies in regards to inaccurate information reporting on my credit report with no response. Also on XXXX/XXXX/2020. I mailed a Demand and XXXX XXXX. and still haven't received a response. I never received any notifications in regards to investigation results. It has now been over 30 days. 
Per the fair credit reporting act section 609 they must remove the following information or be in direct violation of my consumer rights as a result of non compliance with the 30 day statue of limitation stated in the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my EQUIFAX credit report as someone tried to apply for a credit card with a financial institution with the name " XXXX '' on XX/XX/year> using my SSN and other details without my consent or knowledge
Product: Credit reporting or other personal consumer reports

I seen on that self visa credit card was reporting late payments on my credit profile accofdance with the Fair Credit Reporting 254 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit for any purpose. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. 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 an 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: Student loan

On XX/XX/2022, I contacted Launch Servicing to initiate a Natural Disaster Forbearance for the California Coastal Wildfires ( per FEMA ). After speaking to another representative on XX/XX/2022, I was advised on a recorded call that a bank statement would be sufficient to prove my relocation back to California after a short stint in another state for work which I immediately provided via the online portal. At this time, I also advised this agent that the disaster affected my employment, not my residence ( landscaping, which takes us to multiple locations throughout XXXX and XXXX counties ), and was advised that this would acceptable. 

The following day today, XX/XX/2022 I was advised via email the need for a copy of my Drivers ID instead of the aforementioned bank statement, which was previously advised and promised would be sufficient to process the Natural Disaster forbearance. Launch Servicing has by far been the most difficult Servicer to deal with, and has continuously provided me false promises regarding my loans and financials, and has caused me ongoing and severe medical distress.

At this time, I have sent all the documentation that I will be sending to Launch Servicing, as previously advised. Further, Launch Servicing claims that my loans are owned by XXXX XXXX an entity that the Borrower is unable to reach directly, while these matters continue to violate the rights of Borrowers struggling with repayment due to hardships or in my case, a Natural Disaster and wildfire in California as FEMA declared in XXXX, XXXX. 

This matter remains time urgent, and at this time I am requesting immediate phone contact from XXXX XXXX Executive Management and the urgent placement of my loans into a XXXX l-day Natural Disaster forbearance as previously advised and promised by Launch Servicing staff on XX/XX/2022.