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

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this CREDIT BUREAU along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and these creditors and CREDIT BUREAU are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this credit bureau, these company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from these creditors and credit bureau, and assisting to furnish wrong and fraudulent accounts. I demand all accounts be removed ASAP. 

Specifically, I refer to the following account : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These above addresses are fraudulent, and these perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX XXXX XXXX XXXX  ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Product: Credit reporting or other personal consumer reports

In my credit initially appears a debt of a car that I made with XXXX. 

This debt was transferred to XXXX Bank, for the month of XXXX and XX/XX/2019 they reported a delay that is not correct. I even went personally to XXXX and they do not know how to confirm these arrears. 

Then I have made multiple steps with TransUnion medinate call or letters and they write me that the information is correct. 

When XXXX Bank itself can not confirm these arrears. 

Who is lying? TransUnion or XXXX Bank? 

So who here is protecting us as customers? 

I am therefore demanding that this XXXX Bank account be corrected or removed from my credit. 

XXXX Bank Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. SS 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. ss5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. ss 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. ss 5335 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and necessary proof of investigation.
Product: Debt collection

They numerous times and threaten to sue me. And the debt date is wrong when the collection agency received my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which puts me and millions of other people at risk. According to their XXXX, I am listed as a potential victim. They also did not notify everyone quickly enough about the breach and admitted that they will not notify everyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the court where they are saying its verified through. the court states they do not report any activity to the credit bureaus. so therefore this is not reporting a 100 % accurate. I have filed a dispute with them multiple times but they. keep saying its not coming from me. PLEASE DELETE THESE bankruptcies FROM MY CREDIT REPORT AS IT IS EFFECTING ME ON GET A NEW HOME. XXXX  XXXX AND XXXX XXXX bankruptcy NEEDS TO BE DELTED OR I WILL SEEK LEGAL AND SUE YOU FOR DISREGARDING MY CONCERS. XXXX DOLLARS PER VIOLATION.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my 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 has violated my rights.

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: Checking or savings account

I would like to report Flag Star bank to you guys please. I made XXXX transactions on XXXX through my bank called Flag Stat Bank, on XX/XX/year> of XXXX $ for a background check, and the other XXXX transaction on XXXX of XXXX $ for a Deposit for an apartment I thought I found online. For the second transaction on XXXX, that same night, I called my bank immediately, they were not able to reverse the XXXX $ transaction, but they were somehow able to find out the banks name that I XXXX  it to. For XXXX whole months, I was calling and speaking with the supervisor like everyday basically, but was never able to talk to the dispute department, I had to talk to their customer service the whole time. During these XXXX months, I have them all of the information needed, I also did the past month a Police Report. This was after them telling me over and over, that no don't contact the Police. I had the name of the bank, the phone number of the person, the persons emails, etc to the bank. They also told me multiple times that they would refund me my XXXX transactions, & then told me they denied my Dispute with them so I had to re do another dispute. Then they told me they denied my second dispute and I couldnt do anything. During also these XXXX months, they told me at times, they denied my dispute, then told me they didnt as well at XXXX time. They also told me everyday they would have someone call me back, and that only happened once. Also they told me that they would mail my old address a letter stating if they would accept or deny my dispute and never did. When I called at times, sometimes they hanged up on me. This was the worst Customer Service I have ever had with any business. After them telling me at times I would get my money back, they ended up denying. Thank you very much! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Remove the following items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that Equifax is reporting A BANKRUPTCY AS PUBLIC INFORMATION ON MY CREDIT. On XX/XX/2018 i sent Equifax, XXXX and XXXX a letter requesting that they investigate or delete disputed items from from my credit report as well as temporarily remove these items from my report during the investigation period. XXXX removed the negative information from my credit file because it was not able to be verified. As of this date Equifax have failed to respond to my request The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation, AND Equifax has not followed the stipulations of the law. Equifax have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( 1 ) ( 1 ) ( A ). Furthermore, tthey have failed to provide the method of verification required under section 611 ( a ) ( 1 ) ( A ). Please be advised that under section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. I may suffer damages because i need to rely on an accurate and complete state of my credit record and demand that you remove the disputed items from my report immediately as they have failed to comply with the law. Otherwise, i will contact the federal trade commission and advise them of their apparent disregard for consumer protection laws.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Mortgage

My mortgage company failed to pay my homeowners insurance Letter from mortgage company dated XX/XX/23 indicated that my hazard insurance expired and they plan to purchase insurance for the property
Product: Vehicle loan or lease

Ive asked several times why Ive one got an interest rate so high ( 20.99 % ) when my credit score during the loan origination was ABOVE 620. They are taking around 80 % of my monthly payment of {$330.00} and applying it to interest. Every time I ask they either A. Hang up on me, B. Give me a line of XXXX, C. Tell me they have the right to do as they please because its their money, or D. Tell me theyll get back to me and NEVER do. To give you an idea Ive been paying on this loan since XXXX of 2018 with a beginning balance of {$13000.00} and according to them I still have to pay these crooks over {$9000.00}!! By time Im done paying this loan off I will have paid over {$24000.00} for a car that wasnt even worth the {$13000.00} I financed it for!
Product: Credit reporting, credit repair services, or other personal consumer reports

On 3 separate occass6i have contacted all 3 credit reporting agencies to have negative information removed. Each time they have removed and sent me clean copies. When asked what explanation constitutes having to call them every 30 days to do som6over and over again is unfair to everyone, including workers. I spend and average of 2 hours while they correct. This is ridiculous. What can be done to remove in final. I feel that it is discriminatory and am attempting to pursue the l
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries from XXXX XXXX I do not know about - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX, To Whom It May Concern, I am filing a formal complaint regarding ChexSystems refusal to investigate inaccurate information in my file, despite my submission of a police report from the XXXX XXXX Police Department as evidence of fraud. ChexSystems has rejected the report and failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 
I request that the consumer financial protection bureau ( CFPB ) impose a fine on ChexSystems and investigate their violations of my rights under U.S. Code Title 15 1681i and 1681s-2. Immediate corrective action is essential. 
Sincerely, XXXX XXXX Social Security number XXXX
Product: Credit reporting or other personal consumer reports

This account that is with XXXX XXXX was a paid to delete account that has not been removed from my consumer reports. 
This account XXXX from XXXX  XXXX that has been paid for already and the company has also reported false late payments for the following account as well. 
The dates of XXXX XXXX are showing 30 date late payments remarks which are illegal and inaccurate due to the fact that the account was closed on XXXX XXXX so how can I be responible for late payments being reported after the account was closed than paid off in full as contract of pay to delete stated. 
Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, Experian and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX, I was the victim of a gift card scam. The scammer posed as my boss and made me purchase various XXXX Gift Cards. I unfortunately did so through my Wells Fargo account. As soon as I realized my mistake on the same day, I blocked all my cards and tried to get a refund from XXXX. XXXX XXXX was able to refund {$1000.00}, however gift cards worth {$1400.00} were already used. 

I filed a police complaint at the XXXX XXXX, NJ Police Station with Detective XXXX - my case number is XXXX. I also filed a report with the FTC- the number is XXXX. I submitted a claim to Wells Fargo which was originally denied on XX/XX/XXXX. I recently followed up on XX/XX/XXXX and received another denial on XX/XX/XXXX. 

This was a gift card scam, and I would expect Wells Fargo to return my money as the other banks through which I withdrew money for the scam gave me my money back within a week.
Product: Student loan

Im dealing with navient .. i took out a XXXX fed student loan in XXXX XXXX XXXX loan was owed .. the very first payment made was XXXX .. ive been making monthly payments ever since. For the last 16 years .. navient is claiming that i STILL owe XXXX .. they are stating my interest is 5 %. When in fact it is about 50 % .. they take 5 % from the total balance and apply it to every payment made .. i make payments of XXXX and XXXX goes to interest .. that is not 5 % .. ive added up all my payments and they total XXXX .. navient sent me a break down of all the payments. Are they are far less then what i actually paid .. thier amounts are off .. i went to school was on i was XXXX years old. It was a ONE year school .. i am now XXXX years old and i am STILL paying for this student loan!! The way they have it set up. Unless i can pay XXXX IN FULL. ( which i can not ) i will be paying this off for the rest of my life!! Its going to be like XXXX by the time its all said and done. That is beyond criminal!!! Please help. This is a huge stress on me and my family and my credit for that matter!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I opened a Wells Fargo consumer checking account inXX/XX/XXXX( my first one ) to receive the bonus offer of " $ XXXX of direct deposits for three consecutive months will qualify for a {$300.00} bonus within 45 days of meeting the qualifications. I met the qualifications in the beginning of XX/XX/XXXX( direct deposits were in XXXX,XX/XX/XXXX and XX/XX/XXXX ) and 45 days later had still not received my bonus. I have tried to resolve this for 3 months since meeting my bonus and there is no resolution. They are not honoring their advertised promotion.
Product: Mortgage

My complaint involves Ocwen Loan Servicing , LLC . The lenders payment grace period is the XXXX of the month. Due to recent Strike with my company I made my payment in full with late fee on the XXXX of the month, and only 6 days after the grace period I received a Remittance Information from Ocwen threatening to foreclose on my property if I did not bring my account to current. This may all be perfectly legal documentation but how fair is it for a company to send a threatening foreclosure statement when most statements of this sort are not even sent out until a homeowner has MISSED TWO PAYMENTS! I tried contacting Ocwen and they sent a document claiming that they are within their rights to send the form when payments are late. My complaint is that I feel their practices are shady, and they have late notices which appear to be misleading and unjustified, especially for homeowners like myself who are up to date on their current mortgage payments. I have n't MISSED a month before but I am concerned that whenever the time comes when I am late by a month, ( say during my current unemployment, that this company will throw me into Foreclosure before the two month grace period.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$12.00} 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 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I've already filed a claim with XXXX XXXX XXXX. So XXXX XXXX XXXX sold the account # XXXX. I am not responsible for this account the car was surrendered in good standing & XXXX sold the vehicle at Auction i will pursue legal action ASAP against XXXX XXXX XXXX XXXX CONSTAR FINANCIAL SERVICES LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has yet to disclose how they verified the following accounts. i have also asked for a legal and binding contract or agreement between myself and the creditors bearing my signature. they have yet to provide any of this to me. 

1. XXXX XXXX Account Number : XXXXXX/XX/XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XX/XX/XXXXXXXX XXXXXX/XX/XXXX Account Number : XXXX 6. XX/XX/XXXXAccount Number : XXXX 7. XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 8. XXXX XXXX XX/XX/XXXX XXXX Account Number : XXXX
Product: Debt collection

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 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 my purpose
Product: Checking or savings account

I am fed up with all these creditors coming after me. I also need to file complaints against the law firm who is supposed to represent me! Also Bank of America and XXXX XXXX! I am a victim of fraud and have been for almost 5 years. I have so much money in debt now also my whole tax return is gone due to the newest theft. Bank of America denied my claims and I advised them that its theft. These people have my bank info mobile info everything