23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX  XXXX used a document that was forged by identity theft from a solar salesman to place a XXXX XXXX hold on my house. This has caused myself and my wife who are both XXXX  to be XXXXXXXX XXXX was made aware of the identity theft years ago, they dropped the report from the one credit bureau and stopped billing us. But now when we sold our home we found out they placed a XXXX XXXX on the property using the forged identity theft document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, CA State ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. Experian has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my XXXX XXXX XXXX XXXX daughters. Being a XXXX XXXX victim fleeing my abuser at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my FTC ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which Experian explicitly lists as XXXX XXXX XXXX I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via USPS with a security freeze pin, yet Experian states that XXXX verified my information. I interpret that as XXXX violated my rights under the FCRA and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding XXXX, XXXX, and Equifax for failing to accurately report my account with XXXX XXXX XXXX ( account ending in XXXX ) as " paid as agreed. '' As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I have the right to privacy and control over what appears on my credit report, as outlined in 15 USC 1681. Reporting this account inaccurately violates my rights under the FCRA, specifically 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, as it misrepresents my account status without my consent. This erroneous report is severely affecting my ability to secure necessary financing to support my business and obtain stable housing for myself and my family. I have previously attempted to notify each credit bureau of this error, yet no corrective action has been taken. Under 15 U.S. Code 1681n and 15 USC 1681o, I am entitled to pursue civil liability for negligent and willful noncompliance, including damages of {$1000.00} per violation. I am requesting the CFPBs assistance in ensuring that XXXX, XXXX, and Equifax update this account to " paid as agreed '' immediately to reflect the accurate status of my financial obligations. This matter is urgent, as the inaccurate reporting is causing significant harm to my financial stability and quality of life. Thank you for your attention to this issue.
Product: Checking or savings account

I called and requested to close one of my savings accounts and to transfer the money to my checking account. The person completed the work and told me everything was done. The next day I realized the account was still OPEN but it was left with a negative balance. I called for help but the person helping me could not fix the error. She was not allowed to fix the negative balance and escalated the issue. 
I got a voicemail about 5 days later and was told to call XXXX and enter extension XXXX. I tried to call this number several times but each time I get an error that the voicemail box is full. I am unable to reach the person. Next I called Chase service line to ask for help reaching this person and they could not help me. I called another Chase service line and again they could not help me reach the person at the number and extension provided. It is unfortunate that I need to contact the CFPB in order to contact a person at Chase that the internal Chase staff are unable to reach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  account number XXXX and XXXX XXXX account number XXXX have violated my rights with the sections listed below. 

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 an account without my written instructions.
Product: Mortgage

my loan XXXX with ASC america servicing company, i tried to remodify in 2013, i had hard time finding a job, i made payments XXXX XXXX XXXX 2013 then i found out that XXXX sent a credit of {$70000.00} to the IRS who is demanding me to pay taxes on that amount. they denied my remodification application twice, they claim i have reached the limit in remodification application and have no right for appeal anymore. 
i want to stay in the house i told them and i asked them many times that they accept monthly payments, they refused and demand that i pay all the back pay which is close to or more than XXXX $ which i do not have right now. 
my number is XXXX XXXX XXXX or XXXX XXXX XXXXthank youXXXX XXXX
Product: Credit reporting or other personal consumer reports

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an advocacy group assisting me as a victim of XXXX trafficking debt bondage, which is categorized under trafficking as per Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to file a formal complaint against TransUnion for their failure to properly investigate charge-off accounts on my credit report, despite multiple disputes under the Fair Credit Reporting Act ( FCRA ). I have made several attempts to resolve the inaccuracies in my credit report, but TransUnion has not conducted a thorough investigation into these items, nor have they provided sufficient evidence of their verification process.

The following accounts are reported as charge-offs, and I have disputed these items with TransUnion, yet they continue to appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] After I submitted my disputes, TransUnion sent updates stating that the accounts were " verified. '' However, these updates failed to provide any clear or specific information regarding how these accounts were verified, leaving me with no understanding of how the verification was conducted or what evidence was provided to support its accuracy. This lack of clarity is a violation of my rights under the FCRA, particularly 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation and provide consumers with clear results.

The inaccurate reporting of these charge-off accounts has significantly impacted my ability to obtain employment and secure housing. The burden caused by these errors is severe, and I am requesting that the charge-off accounts in question be removed from my credit report, as they have not been accurately verified, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  # XXXX is reporting a charge off to my credit that I do not owe. This is past the statute of limitations in Colorado where I received the debt and I no longer legally owe this. I would like it to be removed off of my credit report.
Product: Debt collection

XXXX XXXX XXXX turned over a medical bill to a collection agency that I have no knowledge of. I have requested in writing and through my disputes with Equifax to have verification of the debt and that it in fact belongs to me. I have a minor daughter whose father is responsible for all medical bills. I have never received any clarification as to what this debt pertains to and what it is actually for. I find it extremely frustrating that these credit bureaus can just take the word of a debt collector and never have to provide validation of the deb to the person being targeted for money.
Product: Prepaid card

My debit card expired on XX/XX/XXXX of this year. I contacted Direct Express customer service on the XXXX of XXXX. At this time I was informed that a card had been mailed on the XXXX of XXXX. On XX/XX/XXXX, still without a card, I contacted customer service once again. During this call I was issued a second card. On the XXXX of XXXX I contacted customer service yet again. This time wanting to transfer fund to an account I am actually able to access. I was told this can not be done without a card and that the replacement card for the one that expired on the XXXX of XXXX technically isn't late yet as it hasn't been XXXX business days since it was order. 
So, through no fault on my part, I have been unable to access any funds in my Direct Express for the past 22 days and all the customer service people could do for me was to tell me that my replacement card isn't late yet because it hasn't been XXXX business days. 

How is this acceptable? Why is it that Direct Express is allowed to continue to work with the federal government when they have such disregard for the people that are their customers?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on AMEX XXXX Balance Owed : {$2500.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Hello, I was contacted by SCA Collections ( letter dated XX/XX/XXXX ) on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX  had never sent me notice of this debt they sent it directly to SCA Collections. SCA Collections contacted me about the debt in which I responded to them within 30 days ( XX/XX/XXXX certified letter ) telling them to cease and desist contact with me because I preferred to deal with the original debtor. The reason why I told them this is because I never received anything from the company that they were referencing prior to receiving notice from them. SCA 's representative signed for the certified letter XX/XX/XXXX. They made no further contact with me but XX/XX/XXXX they added this information to all the Credit Bureaus against me. I requested for this information to be removed from all agencies due to Federal Consumer Laws and they haven't done so. All of my supporting documents to include the signed certified notice have been uploaded.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024 & XXXX XXXX Date of Inquiry XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple missed payments were reported for my XXXX account across all 16 of my student loans while I was in forbearance. Ive asked XXXX to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.
Product: Student loan

My husband and I made a payment on XX/XX/XXXX for {$260.00}. We requested the payment be allocated to loan XXXX only to pay off the balance. Instead, it was allocated towards all XXXX loans ( XXXX, XXXX, XXXX, XXXX ). We 've called twice to get the payment reallocated, but we keep being told that we can only make additional payments certain times of the month. All XXXX loans are paid ahead into XX/XX/XXXX. My husband works for XXXX XXXX - he knows you can allocate this payment towards the XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XX/XX/XXXX ) XXXXInaccurate XXXX XXXX XXXX/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX/XXXX  | XXXXN/AInaccurate XXXX/XXXX  | XX/XX/XXXXN/AInaccurate XXXX/XXXX  | XXXXN/AInaccurate XXXX XXXX | XXXXN/AInaccurate XXXX XXXX | XXXXN/AInaccurate XXXX XXXX XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX/XXXX  |XX/XX/XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

I have requested the credit bureaus to remove fraudulent information from my credit report. To date, although I have seen some changes, they have still not removed one of these accounts ( a fraudulent credit card account from XXXX XXXX ). I am not sure if this is an issue with the creditor or the credit bureau, but I am submitting this request so that proper action can be taken.
Product: Vehicle loan or lease

In XX/XX/2014 I was an XXXX XXXX member ( XXXX XXXX  ) with theXXXX. I purchased a used car and used USAA to finance the loan for the car purchase in the amount of {$12000.00} with an interest rate of 16.99 %. At the time i was new to auto purchases and lending and did not have any knowledge in regards to what an acceptable and reasonable auto loan interest rate would be, so i accepted the loan. Now 5 years later i have become more financially knowledgeable and have learned that 16.99 % is a predatory rate for auto loans and i feel i was preyed upon by USAA in addition to them violating the Military Lending Act. I am now in XXXX status with the XXXX XXXX and my financial situation has also changed drastically since i am now XXXX XXXX to further my long term career. Since then the vehicle has suffered some trouble and is a non-operating vehicle, so currently i am paying {$280.00} per month on a vehicle i am not able to use and is still subject to the 16.99 % interest rate. My remaining balance is {$5000.00}. I have reached out to USAA to try and work out a solution and they have told me that the only options are for me to default on the loan which would impact my credit score negatively or continue to make the payments and surrender vehicle and that would also impact my credit negatively. I have offered to surrender the vehicle in exchange for the remaining debt being wiped but they have declined and have refused further help. Any help you can provide is greatly appreciated. Please contact me at XXXX with any questions.
Product: Credit card

Continuous fraudulent charges have been on my XXXX credit card for a total of {$570.00} ( See attachment XXXX ). The charges have been happening since XXXX 2013 and have been carried out by XXXX companies, XXXX XXXX and XXXX XXXX, which are associated with the XXXX XXXX XXXX XXXX XXXX conglomerate. Bank of America desestimated my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( XXXX ) IN GENERAL A FINANCIAL INSTITUTION XXXX NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, EQUIFAX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, EQUIFAX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, EQUIFAX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE. THIS IS THE THIRD TIME I'VE SUBMITTED A COMPLAINT, AND THE REPONSE I GET IS " YOU CAN NOT LOCATE MY CREDIT REPORT! '' THIS IS CLEARLY NEGLIGENCE.
Product: Checking or savings account

Unfortunately, I recently lost my XXXX XXXX debit card. While attempting to secure my account in light of this, I inadvertently locked myself out. 
The situation has been further complicated due to the fact that part of the account verification process requires the entry of the last four digits and the expiration date of my now lost card. This has rendered me entirely unable to access my account and its associated funds. 
I understand the need for stringent security measures ; however, there must be an alternative way to validate my identity and regain access to my account without the lost card details.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

XX/XX/XXXX received notification in the mail sent by our tenant named " XXXX '' for sake of confidentiality purposes. Notification for " Complaint in Mortgage Foreclosure '' from plaintiff Trinity Financial Services , LLC located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. 

-Case Number XXXX -Code and Classification XXXX Complaint was prepared by attorney XXXX XXXX XXXX XXXX . who represents plaintiff and works for XXXX XXXX XXXX, XXXX, located at XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, New York XXXX ( attorney state ID XXXX ) The property in question is located at XXXX XXXX XXXX XXXX, Pennsylvania XXXX ( Parcel ID : XXXX ) Allegedly Owed : Principal = {$14000.00} Regular Interest - from XX/XX/XXXX through XX/XX/XXXX @ 4 % = {$3800.00} Late Charges = {$1200.00} Annual Fees = {$30.00} Total = {$19000.00} Per Diem Interest = {$1.00} The first problem is we have never signed, discussed, partnered, contacted Trinity Financial Services. We were never informed by Trinity Financial Services LLC. We were not contacted by said institution ( Trinity Financial Services ). In fact, the only institution who has reached out and contacted us was XXXX XXXX to date. The correspondence between XXXX XXXX XXXX and property owners has been mutual and resulted in property owners owing XXXX. 

Second, my credit report indicates nothing is owed on said mortgage from XXXX XXXX XXXX. We have no business dealings, mortgages signed by us and Trinity Financial Services LLC.

Third, Trinity has not reached out or made reporting efforts to any of the following credit bureaus giving us indirect notice about our alleged debts owed on the property. WE CHECK OUR CREDIT REPORT REGULARLY AND NOTHING IS STATED REGARDING TRINITY FINANCIAL SERVICES LLC CLAIMS. 

Moreover, they have not informed property owners until XX/XX/XXXX to secure the {$4900.00} indicated in a letter ( Exhibit C ) sent to the wrong address on XX/XX/XXXX ( Sent first class and certified mail ) Fourth, the date of notification being sent to the wrong address. We currently reside at XXXX XXXX XXXX XXXX North Carolina which is public record. 

Fifth, the date of notification which reads XX/XX/XXXX, conveniently surpassing the 20 days to " take action '' against XXXX XXXX XXXX XXXX ( President of Trinity Financial Services , LLC ) Sixth, acts committed by XXXX XXXX XXXX XXXX ( President ) and Trinity Financial Services , LLC is fraudulent. Criminal violations include but are not limited to : identity theft, conspiracy to commit grand larceny and falsifying documents and statements on federal and financial documents as well as mail fraud.