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

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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. 



Please remove the following items from my credit report, immediately : XXXX : XXXX {$4300.00} Account Info Account Number XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX XXXXXXXX BA {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX TRANSUNION : XXXX {$4300.00} Account Info Account XXXX XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX XXXX  BA {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX : XXXX {$4300.00} Account Info Account Number XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXX XXXXXXXX XXXX  BA {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

i had contacted many times EQUIFAX XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -Sears/cbna Inquiry from XX/XX/2018
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 USC 1681.

Bankruptcy : XXXX XXXX Bankruptcy ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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: Credit card

I checked my credit report because I saw hard inquiry for capital one credit card I didn't apply for. An account was opened without my consent or knowledge.
Product: Debt collection

TEX Collect Inc : Request a payment of {$140.00} which was covered by dental and health care insurance. This company has repeatedly wrongly place this on my credit report without any notification or knowledge that it was placed.
Product: Credit reporting

I am a victim of the recent incident that occurred involving XXXX XXXX data housed at Experian that may have involved an unauthorized disclosure of my personal information. I am utterly disgraced with the written notification asking me to subscribe to Experian in order to resolve the issue as well as the fact that my data has been compromised regardless of the fact that I have never interfaced directly with Experian in my life. It is utterly abysmal that my personal data is treated with such low importance and left vulnerable to attacks of this nature. I did not receive an acceptable verbal response from Experian when I phoned them to find out what had occurred hence my complaint.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a These fraudulent accounts consist of personal credit card account opened atXXXX XXXX opened on XXXX in the amount of {$540.00}, XXXX XXXX opened on XXXX in the amount of {$3500.00}, XXXX XXXX opened XXXX under account XXXX in the amount of {$1000.00}, XXXX XXXX opened on XXXX in the amount of XXXXXXXX XXXX XXXXXXXX opened XXXX in theamount of {$4000.00}. A car loan at XXXX XXXX opened XXXX XXXX in the amount of XXXX. A loan at XXXX opened XXXX in the amount of XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the XXXX XXXX of Georgia to see if they supply information to a 3rd parties like credit bureaus after sending in my dispute letters to the 3 credit bureaus it keeps coming back verified.
Product: Payday loan, title loan, personal loan, or advance loan

I did inquire about a loan with the merchant but never went thru with the loan request due to it not meeting my needs. Merchant fraudulently opened a loan under my name anyway and has been charging my checking account anyway.
Product: Credit reporting or other personal consumer reports

My credit report is showing a Collection from XXXX XXXXXXXX XXXX  on my TRANSUNION and XXXX and XXXX account, which was sold to XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX, I was not informed prior to this collection that this account would be sold to a debt collector. So I am asking for DEBT VALIDATION according to 15usc 169g a detailed list of my history of payments made by me on this account, I want to see the signature that I put on a contract guaranteeing that I pay this creditor, im asking to see has there been any insurance claim filed on this account, I want proof that you have a chain of title
Product: Mortgage

My wife and I purchased our first house in XX/XX/2016. Shortly after, the value of the XXXX XXXX financed home lost considerable value. We were also hit with XXXX that nearly cost one of our lives. Needless to say, our medical bills, recovery expenses, and loss of employment were financially devastating. We fought through our challenges and upheld our responsibilities of paying our bills. We elected to pay the PMI on the note until we could reach the XXXX % equity threshold based on the original loan amount and the outstanding principal. We contacted SETERUS, Inc. several times to discuss our situation and confirming that we will in fact have PMI removed once we meet the XXXX % threshold. We sent in funds to SETERUS Inc., with a letter directing the sent funds to be applied to principal only. I have XXXX issues : 1 ) SETERUS, Inc. failed to apply all 100 % of my principal reduction payment to the payment ( as directed on the accompanying letter and on the personal check that was deposited. ), rather, SETERUS, Inc. took it upon themselves to apply 38.9935 % of the sent principal reduction payment to monthly payments ( our account is/was not delinquent, therefore the amount was applied to future payments ), and only applying 61.0065 % to the principal without our consent nor approval. Directions with our funds were not followed ; part of the 38.9935 % of the money that was mis-directed was paid to SETERUS, Inc. in interest ... interest on future month 's payments. 2 ) SETERUS, Inc. states that the automatic termination date of the PMI policy is impacted by the step rate adjustments, thus they are unable to provide me with an exact date the PMI policy will automatically be removed from the loan. They state, " Please note, additional principal balance reductions do not change the automatic termination date of the PMI policy. '' Their PMI Cancellation Letter request that I complete a form, and submit a {$350.00} non-refundable check for an appraisal fee of the property. In the fine print, the letter states that they will only look into the possibility of removing the PMI if the {$350.00} is attached and clears. These {$350.00} are non-refundable should our account not meet the eligibility requirements of PMI removal process. Our account qualifies for the HARP refinance option, where an appraisal of our property would be completed free of charge, regardless of our loan-to-value ratio.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

I called Amsher collections to inquire about debt. They could not locate any account under my name. 

I called XXXX XXXX and gave the person in billing my social security number which brought up an account which was not in my name. When I asked whos name and location of the person the account was under she refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes letters asking this credit bureau to provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

I have only received letters stating that the account have been " Verified '' I have also asked for a description of the verification methods and the names and phone numbers of the persons who supposedly verified the account. I have never received such information.

These are the accounts that I'm disputing and for which the credit bureau have not provided a satisfactory resolution per the FCRA. 

*XXXX  XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX , XXXX Acc # XXXX *XXXX XXXX XXXX Acc # XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiry that are being challenged : 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
Product: Credit reporting or other personal consumer reports

I have requested XXXX that if the investigation was not fufilled and that the creditor stated I am a victim of identity theft please remove and block the accounts you the company mentioned never responds states anything and leaves it on there I am bored of this no solutions going no where please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to open a fraudulent account with a credit union named Navy Federal Credit Union in XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them along with XXXX to file a second complaint with this issue. There is also someone elses address on my credit report which they say they will be removing. I need to resolve this issue immediately because its affecting my credit score.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express the profound impact that negative items on my credit report have had on my life. These derogatory marks are preventing me from finding stable housing, as I face repeated rejections due to my low credit score. Despite my efforts to rebuild my financial standing, these issues continue to hold me back.

The constant denials have left me feeling hopeless and increasingly depressed. I fear that without intervention, I will remain trapped in this cycle with no way forward. I kindly request your assistance in investigating these items, as I believe some may be inaccurate or outdated.

Thank you for your time and attention. I appreciate any help you can provide.
Product: Mortgage

I have never been so frustrated in my life with any lender. It is impossible to get help! no one ever answers the phone at XXXX. I have spent many hours, stuck in an endless loop of automated answers which repeat obvious information such as balances ( available online ). I have attempted the online chat session many times, it always comes back " no one is available at this time. '' I need to talk to a person!!!!!!!!!!!!!!!!! what sort of lack of support is this.
Product: Payday loan, title loan, personal loan, or advance loan

The company ONE MAIN FINANCIAL ADDED a loan that was paid off through the US Bankruptcy courts in XXXX. ONE MAIN HAS ADDED A PREDECESSOR 'S SPRINGLEAF FINANCIAL that purchased ONE MAIN FINANCIAL in XXXX information THAT REFLECT paid off in full by the US BANKRUPTCY COURTS in XXXX AND CLOSED. 

ONE MAIN FINANCIAL is utilizing this information of payment by the US BANKRUPTCY COURTS in their system to RETRIEVE AND GET PAID TWICE BY ME VIA THE COURTS AND SPRINGLEAF FINANCIAL SERVICES. I HAVE THE LEDGER OF PAYMENTS. I WANT ONE MAIN TO STOP THIS METHOD OF DECEITFUL PRACTICE ON THEIR UNSUSPECTING CUSTOMERS, LIKE ME. 

Please add my name to the ONE MAIN VICTIM 'S FUND FOR REFUNDS ON ALL THAT IS OWED TO ME. I APPRECIATE YOUR TIME AND CONCERN WITH THIS MATTER.
Product: Mortgage

Hello, Wells Fargo filed a NOD on the property in spite of the fact that there were issues with the mortgage balance, escrow account, and other issues.. 

I applied for mortgage relief and was approved for the mortgage grant through the XXXX XXXX XXXXXXXX XXXX. I received a message from them that " Your servicer has confirmed that the funds sent by the program for your application XXXX have been applied to bring your loan current as of XX/XX/2023. 

You will receive a follow-up email from the program with the final amount applied to the loan by your servicer. 
However, the balance of {$28000.00}, which included some bogus legal fees and late fees and was paid off through this grant, but Wells Fargo has only applied a partial amount for the balance.. 
Also, my mortgage amount has been changed from its original monthly amount of {$1100.00} and there is an escrow account balance which should not be as I have never had it since the mortgage account was originally set up.. 

I would like to know why Wells Fargo again time after time has the mortgage account in discrepancy..
Product: Credit reporting or other personal consumer reports

I have recent inquiries that have dropped my credit score per XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX & EQUIFAX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & EQUIFAX LAST REPORTED- DATE DIFFER FROM XXXX & EQUIFAX DATE LAST ACTIVE- DIFFER FROM XXXX XXXX EQUIFAX DATE OF LAST PAYMENT- DIFFER FROM XXXX XXXX EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX & EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 USC 1681. [ 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 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America ( BOA ) account to a fraudulent investment firm ( s ).

When I informed Bank of America of the fraud I was told that BOA had no responsibility for the process or for protecting my funds.

I believe there is an issue of liability. I ask these questions : 1. Whether BOA did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety?

2. Whether by virtue of BOAs custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached? 
3. Whether BOA promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question?

4. Whether BOA was in compliance with its own policies and procedures?

5. Whether BOA owed duties to me, what the scope of those duties was, and whether BOA did not uphold those duties?

6. Whether BOAs conduct was unfair?

Whether BOA has within its power the ability to, and should, compensate me for the harm that has befallen me. Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud.

In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed.

All of the evidence suggests that BOA did not foresee the fraud and disregarded even the most obvious dangers in this respect.