23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account which is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account Number : XXXX I have never been late with any payments for this account. Therefore, I request that you remove this inaccurate data from my credit file immediately as per the FCRA. 

XXXXXXXX XXXX XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX XXXX Account XXXX : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX Account XXXX : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Since the other credit bureaus were unable to verify this account, I request that you delete this inaccurate account from my credit report as per the FCRA XXXX 

XXXX XXXX XXXX Account Number : XXXX Since the other credit bureaus were unable to verify this account, I request that you delete this inaccurate account from my credit report as per the FCRA XXXX 

XXXX XXXX Account XXXX : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX Account XXXX : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This address belongs to someone else. Please delete it from my report immediately in compliance with the FCRA. 

The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NY- This is not my employer. Please delete it immediately from my report in compliance with the FCRA. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my employer. Please delete it immediately from my report in compliance with the FCRA. 

I request that you conduct an investigation into these items as per the FCRA and respond to me within 30 days with the results of the investigation. 

Thank you for your prompt attention to this matter. 

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

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have contacted this company in 3 occasions this year with the most recent XXXX XXXX via usps. I sent in notarized documents letting this company know that my name is XXXX XXXX. This company purposely put my twin sisters name reporting to all credit bureaus. I sent my license in and notarized documents to prove my last name isnt XXXX. Yet this company from what I perceive insists on reporting inaccuracies.
Product: Mortgage

On XX/XX/XXXX at approximately XXXX, I spoke with XXXX XXXX in the insurance department at Santander Bank. 
XXXX XXXX had me on hold for 15 minutes and when he returned on the line he told me it would take a while to resolve my issue with the flood insurance. He said this was because of the situation in XXXX Texas. 
I was very upset hearing this news after I was told by XXXX XXXX on XX/XX/XXXX that I would receive a refund from Santander when I could prove that I had an active flood insurance policy which my insurance agent, XXXX XXXX, forwarded to Santander. 

XXXX XXXX then replied that he would have to put me on hold " until you calm down. '' I waited on the other line and after 10 minutes I hung up. 

I later spoke with a gentleman named XXXX that assured me that he would take care of me and I would receive my money back of {$1400.00} in the mail from the flood policy that was mistakenly added to my mortgage by Santander. 
XXXX XXXX left a message on XX/XX/XXXX stating that the problem was resolved and the {$1400.00} was put in my escow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. Someone obtained an auto loan with XXXX using my identity and I have filed a police report and met with a police officer to give all the details. 
The XXXX auto loan is still being reported in my XXXX  profile as a collection/chargeoff and it's affecting my overall credit profile. 

I have filed a complaint with XXXX and XXXX, but XXXX  is still reporting. 

Please help.
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 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: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/2020, I have sent several letters to Experian in regards to erroneous and fraudulent items on my credit report, I also requested and updated report with each letter, every time I waited more than 45 days for a response from them and I never received a response from any of the letters I have sent. I am including a copy of the letters along with the return receipt showing they received each letter. 

I realize they get hundreds of letters and Covid has also impacted everyone, but I had fraud in my personal bank account, my XXXX  account to name a few then, I find out I have all of these fraudulent accounts on my credit report too and when I tried to get it investigated properly and fixed through Experian they totally ignored them. I have continuously tried to get these investigated properly by Experian to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Who Can Help me, I sent in letters to a bureau experian about inquiries I had never seen before. They are not mine. I am writing this complaint because they haven't responded gave me an update or anything.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zel and numerous times and reporting discrepancies, my financial institution and sell failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that cell has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX ( 11 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

Synchrony Bank allowed someone to open a cc using my ssn XXXX XXXX XXXX. This social belongs to me XXXX XXXX. I am requesting all reporting be deleted and ceased. This account was opened fraudulently. An JCpenney card and XXXX  card was opened under my social at this bank
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I purchased an air-conditioning unit for my home, and the seller offered an interest-free loan with Wells Fargo which sounded attractive to me so I applied for it. The seller and I called Wells Fargo and signed up for it at sight. At that time, all I was told was that it's interest free and I can set up autopay online, so I did. I should have been careful here, but I was misled to believe the minimum payment would repay the full amount interest free. I confirmed the autopay was working, and I trusted that everything was fine, so I never checked the statements or status ever since until yesterday and realized that Wells Fargo has charged me about {$5000.00} of interest in XXXX of XXXX at which point the balance was paid down to about {$4800.00}. I called Wells Fargo so that I could understand this better and seek for a relief, but they just told me that they are sorry, but I'm solely responsible for this misunderstanding and setting up the autopay that won't repay the full amount within the promotion period. I know I had the access to the statements and all the necessary information, but offering the promotion that can lead to this kind of mistake or massive amount of interest and calling it " interest-free '' without telling me clearly what needs to be done or guiding me to make sure it will be interest free feels unfair to consumers.
Product: Vehicle loan or lease

I am a victim of identity theft. Vehicle was repossessed and left on my credit report.
Product: Credit card or prepaid card

Amazon 's store credit card ran by synchronycredit automatically applies a 'credit security ' on your card every month which is a % of your amount on the credit card for the month EVEN IF FULL PAID EVERY MONTH. This was turned on via hidden terms I'd assume since I never received email or letters on this. They do not alllow you to use live chat to cancel this and it is difficult to talk to an actual human. It is extremely shady and disrespectful to their customers.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

I recently found that during the month between XXXX and XX/XX/2022 I was doing purchase of my home and equfax played with my credit scores to make them drop dramatically now I suffer from that and caused myself and family a home
Product: Credit card

After numerous attempts to explain that my payment must be processed via ACH, not echeck, Citicards again requested an echeck, then charged return check fees, late payment fees, and interest. I provided accurate account information and have a letter of support from my bank requesting that Citicards reevaluate these fees and provide a refund.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> i am receiving adversarial responses from Experian to multiple of my disputes and as a result Experian is making unverified responses to those disputes in violation of 15USC 1681i and 15USC 1681s-2. Experian has not demonstrated how any investigative procedure they executed herein has verified the information reported on my credit report. It appears Experian believes that i should have supporting documents and other information to support my dispute claim however that is not what the law under FCRA requires. It is Experian and the furnishers of information in the report to verify accuracy of the report using a examination of sufficient evidence executing reasonable procedures.
Product: Mortgage

My second mortgage transferred to Rushmore loan management service after it was being handled by XXXX XXXX XXXX. Rushmore mortgage got the account after XXXX XXXX failed to address the escrow issue with the loan. 
I have had Homeowners insurance since i have owned the house 11 years ago. i have sent to XXXX XXXX proof of having homeowners insurance for the last 6 years. Now Rushmore Loan Management services is trying to do the same thing and collect unverified or paid homeowners insurance on the property that they expect me to pay twice for. These practices have prevented me from making the accurate payment and they still working on collecting bogus money they never paid for. I am attaching the coverage on the house since XX/XX/2012. 
There should not be any late charges to my loan and there should be any owed homeowners insurance that i have to pay. The current company is trying to be me in default again and not even checking their records for accuracy. There is no proof on the service 's end to show i owed or didn't have insurance coverage since the current and previous servicer had handled my mortgage. 
There should be no reason that Rushmore loan management services charging me for escrow and putting in default on my loan because of escrow i had already paid and had coverage on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, trans union, XXXX credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX and out XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! Not mine!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

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, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have seen XXXX XXXX XXXX has been sued for these types of things in the past I WOULD LIKE THIS ACCOUNT DELETED IMMEDIATELY OR BROUGHT BACK TO A CURRENT STATUS I HAVE MISSED NO PAYMENTS ON MY ACCOUNT According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies Attached to the complaint None of my credit reports match up and this has had a negative impact on my life Account : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I Believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 auto loan from XXXX XXXX car was repossessed and has been on my credit report for XXXX years and account was closed and my payments were always on time after me loosing my job then XXXX XXXX happend not to far after messed me up financially
Product: Checking or savings account

On XX/XX/23 {$220.00} was taken from my account and paid to XXXX XXXX XXXX XXXX. I contacted the vendor who would only verify that the item ( s ) were not shipped to my address and that the email address connected to the purchase was not mine. Then, I contacted my bank which claimed it was not fraudulent. I called the bank again and requested more information, they stated I would receive it in about 7 days. It never came.
Product: Mortgage

I lost my job with the XXXX XXXX and I asked for a loan forbearance. I was In forbearance for XXXX months. I made sure to pay my taxes to make sure it doesn't go into a tax sale. They have no record of me making any payments during my forbearance. I came out of forbearance in XXXX and have been making my payments. I received a letter that they came up with a repayment plan. I have XXXX months to pay XXXX. What was the point of forbearance if they're just going to come up with solution that only benefits them? I called them and asked for an explanation why I was denied a deferral or loan modification. I was told " read the letter, it's self explanatory ''. I asked to talk to someone else and was told there is no one. So, I called back and asked if I could talk to someone and try to work it out..I was told there is no one to talk to. I asked for the lender 's name We can't give that information, we have to request it and mail it to you..they said " to be honest they don't care who you are and won't talk to you. '' SPS is the worst company. They only read the letter you have in front of you and offer no help. They can't give a detailed explanation of how they came up their decision. It's beginning to feel like a fraud, why help homeowners when we can foreclose on their home and make a profit. The XXXX XXXX XXXX XXXX isn't even up yet and it might be too late for many of us.
Product: Credit reporting or other personal consumer reports

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

my XXXX XXXX account ending in XXXX has no delinquency ( must not have any ), i have disputed this with the creditor and they have fixed this problem and removed the error, therefore the bureaus must remove this as soon as possible, i need have this removed as soon as possible and they are giving me a very hard time, XXXX XXXX letter ( attached ) specifically mentioned this error, i need your help to have the bureaus remove this inaccuracy thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my sonsent. Accordin to section 604 of FAIR CREDIT REPORTING TO SECTION ACT ( 15 U.S.C 168 1 ( b ) ), there are speecific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNT XXXX XXXX account number XXXX