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

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Request for Investigation into Multiple Hard Inquiries on Equifax Report Dear Sir/Madam, I am writing to bring to your attention a concerning discrepancy I have discovered on my Equifax credit report regarding multiple hard inquiries resulting from a car loan application made on XX/XX/year>. 

On XX/XX/year>, I applied for a car loan with Truliant to finance the purchase of a vehicle. As per my understanding of the Fair Credit Reporting Act ( FCRA ) and the guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), multiple hard inquiries resulting from loan applications within a short timeframe should be treated as a single inquiry if they fall within 14 days. 

Upon reviewing my Equifax credit report, I noticed that there are XXXX separate hard inquiries listed on the same day, XX/XX/year>, as a result of my car loan application. However, according to the FCRA guidelines, these inquiries should have been consolidated and counted as a single hard inquiry. 

This discrepancy has negatively impacted my credit score and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit activity, under federal regulations. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in my credit report. I am enclosing a copy of my Equifax credit report for your reference. 

If you need any more information or documentation to help with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate reporting practices are upheld. 

Sincerely, XXXX XXXX Please remove the following XXXX XXXX XXXXXXXX - Dated XXXX XXXX XXXX - Dated XXXX XXXX XXXX - Dated XXXX XXXX XXXX Dated XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I disputed there were several inaccuracies on my credit report with Equifax, XXXX, and Equifax. 

The spelling of my name was wrong. 
The correct spelling of my name is XXXX XXXX. 
There were old and fraudulent addresses still on my credit report. 
My current address for the past 13 years is XXXX XXXX XXXX XXXX, XXXX FL XXXX There are several inquiries on my report in which I have no accounts with, or havent had in the past. 
And there are closed accounts that I agreed with the creditors to delete when paid.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report even after an initial investigation. The inaccuracies are highly injurious to my XXXX XXXX. This Capital one account ending XXXX was charged off on the following date of XXXXXXXX XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. This inaccurate information falsely manipulates the statue of limitations. Capital One Bank failed to investigate this account properly and the neglect has violated my rights. This account is not mines and should not be reflected. 

XXXX : Capital One XXXX ..... 
XXXX : Capital One XXXX .... 
XXXX : Capital One XXXX...
Product: Money transfer, virtual currency, or money service

My Cash app account was overdrafted to the negatives because it was hacked and I had no representative to contact about the transactions that were not made by me, the account ended up closing and I had to make a new one but still have not been able to receive money that was taken out of my account, after submitting my personal information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries that have appeared on my credit report due to a recent data breach. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have fraudulent accounts and inquiries removed upon request, once proven that they were unauthorized. Please find below a list of accounts and inquiries that were not initiated by me and should be immediately removed :
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Discover Bank account ( account XXXX XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report XXXX and has been well over 4 days since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding an issue with my student loan deferment status and its impact on my credit report. I recently discovered that my student loans were placed into deferment due to missing 90 days of payments. However, I was not made aware of the missed payments or the deferment status because the contact information on file for me was incorrect. As a result, I did not receive the necessary notifications regarding my account status. 

I request that the CFPB assist me in addressing the following issues : Lack of Notice Regarding Missed Payments : I was unaware that I had missed 90 days of payments because I did not receive any notifications, alerts, or correspondence about my student loans. Upon investigation, I found that the contact information associated with my account was incorrect and out of date, which likely resulted in me not receiving these important notices Impact on Credit Report : Despite the deferment, which should have provided relief from payments during that period, my credit reports from XXXX and XXXX show a significant negative hit to my credit score. However, upon reviewing both reports, I noticed that neither report indicates any missed payments or delinquencies on the student loan accounts. This discrepancy between the deferment status and the impact on my credit score is concerning and, I believe, unjust.

The drop in my credit score seems to be a direct result of the loan servicers failure to update the contact information and properly communicate the deferment status. Although I am in good standing with the loan now, the negative impact on my credit remains unresolved. 
I have already attempted to resolve this issue directly with my loan servicer, but it has not been rectified to my satisfaction. I am now seeking assistance from the CFPB to ensure that this matter is thoroughly investigated and corrected. 

I request the following actions : A review of my student loan deferment status and verification of all communication attempts regarding the missed payments. 
A correction of my credit report, including the removal of any negative impacts that were incorrectly reported due to this issue.
Product: Credit card

I contacted Apple card operated by the terrible company Goldman Sachs in XXXX regarding a charge I did not recognize. I am traveling XXXX XXXX XXXX XXXX and no longer have my American phone number so they will not verify my account and will not allow me to change my phone number and will not email a verification. I contacted them on XX/XX/XXXX and XX/XX/XXXX and also when I went back to the states for a few days and they would not allow me to pay or cancel because I do not have the same phone number. I have had the card since XXXX and made every payment in full on time as to avoid the 30 percent interest charges. Why is that allowed? these interest rates are hurting people. But, that is another problem for another day. But, I have a good credit score and this is hurting me. Also, I saw an interest charge went through even though I can access the account. A message came up on my phone. I just want to pay my bill and not pay interest as this is not my fault. I literally can not access my account. Also, Apple does not have a separate number for credit cards and Apple service so the chat bots are always confused and I can not reach a person to help. I believe this is predatory and should not be legal for a customer to not be able to pay a bill while traveling or access one 's account just because a phone number was changed. This has caused a lot of stress and time just to pay a charge. Also, there are others this has happened to and it is not right these big companies partner together, start credit cards, and are not required to hire appropriate staff to help people. And, also, like all other credit card companies do not have a number to contact them outside of the XXXX. Please help. I just want to pay my balance and close the account. I have text message accounts I can send of all my attempts and how they will not help me because I do not have a XXXX phone number.
Product: Credit reporting or other personal consumer reports

I had a credit card with Navy Federal Credit in XXXX  they gave me a line of credit for XXXX XXXXXXXX in about 2 years I lost my job and was running behind on my payment which by then I only owed {$2800.00} in the card. After missing the 2nd missed payment they placed a hold on the card and when my tax refund was received into my checking account. XXXX XXXX Garnished the {$2800.00} from my checking account to resolve the credit card balance and closed the account. A few months ago I received a letter from XXXX XXXX XXXX XXXX requesting payment for a balance of {$20000.00} to resolve Navy Federal Credit Union account. 

I went to a Navy Federal Branch and they could not pull any account information back from XXXX  due to their new system and could not go that far back into their history to provide any additional information concerning these charges. 

I am formally disputing this billing error in accordance with the Fair Credit Billing Act ( 15 USB 1666b ) Account # XXXX XXXX XXXX XXXX XXXX and requesting that It be investigated and removed from my credit report. 

I do not have any financial obligation toward XXXX XXXX XXXX or Navy Federal Credit Union. Thank you for your prompt attention toward this matter. I expect a written confirmation and the result within 30 days.
Product: Debt collection

Copy of transcript from XXXX XXXX, the identity theft protection service to which I subscribe : Hello XXXX, Attached is our XXXX XXXX XXXX XXXX, which is being sent to you regarding the unrecognized alert for SEQUIUM ( xxxxxx XXXX ) collection XX/XX/2022 ( XXXX ), SEQUIUM ASSET SOLUTI ( XXXX XXXX ) collection XX/XX/2022 ( XXXX ), XXXX XXXX ( xxxxxx XXXX ) collection XX/XX/2022 ( XXXX ). Be sure to login to your XXXX XXXXXXXX account at www.idwatchdog.com to review your recent 3-Bureau credit report before completing the kit. 

Please specify these on your police report, FTC report, and identity theft details page. 

Before completing the attached kit, you will need to contact the collection agency directly ( SEQUIUM XXXX, XXXX XXXX XXXXXXXX ) for specific account information, such as who the original creditor is. After speaking with them, if you still do not recognize the account or the original creditor our Identity Theft Resolution Kit may be completed for resolution assistance. 

Email the completed XXXX XXXXXXXX XXXXXXXX XXXX to begin the resolution process. Reply to this secure encrypted email when your documents are complete. If you have any questions or are not able to send your documents electronically, please call me directly at XXXX. 

Sincerely, XXXX XXXX -- XXXXXXXX XXXX XXXX XXXX. Guaranteed. 
XXXX XXXX  XXXX XXXX XXXX - XXXX, Colorado XXXX T : XXXX Fax : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Job History on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report, which I obtained on XX/XX/year> received my report. The report contains erroneous listings regarding my employment history, showing inaccurate jobs, XXXX XXXX XXXX, XXXX XXXX XXXX. These are not my former jobs. I work for XXXX XXXX XXXX XXXX. 


I have attached a copy of my XXXX with my address on it as a supporting document that verify my actual employment history. 

I request that you investigate this matter and correct my credit report accordingly. Please provide me with a written/email response confirming the findings of your investigation and any changes made to my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

In the XXXX of XXXX, I signed a contract with XXXX XXXX to install the solar panel in my room. The bank that has financed this project is Mosaic Bank. In XX/XX/2023, After many attempts to reach XXXX XXXX, I called Mosaic Bank to let them know that I had to cancel the contract with XXXX XXXX because I had never heard of them. I even received an email from Mosaic Bank telling me they could not also reach XXXX XXXX. After alerting the bank about that situation, I have decided to sign another solar energy program with XXXX XXXX. At the end of XXXX, I received an email from Mosaic Bank telling me that XXXX XXXX said they would not cancel the contract. The same day I received a call from someone claiming that he was XXXX XXXX 's representative. He asked why did I cancel the projects? After spending four months waiting for you, I called your company repeatedly to ask whether the project was abandoned. Until the day he called me, nobody picked up my calls. As a result, I call the bank to cancel the contract to enable me to find and sign another contract with a solar energy program, which I have done successfully with XXXX XXXX. 
Surprisingly, I received a monthly bill from Mosaic Bank due XX/XX/XXXX. They also send a total amount of {$27000.00} to a credit bureau which causes a decrease in my credit score and limit. 
I don't have anything in my home belonging to XXXX XXXX. How can I pay for a voidable contract? What do I have to pay for? 
I have to submit this complaint to enable me to prevent Mosaic Bank from Using my name and my identity improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for the following 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 XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Mortgage

Several years ago I obtained a XXXX XXXX Mortgage from PNC Bank. All was good and I always made my payment 2-4 weeks ahead of time. At some point last year PNC Bank discovered that if I pay early I pay less interest. They changed their system and its been a disaster ever since. Every month it appears like I have not made the proper payment. They have flat out told me I can no longer make early payments as it will mess up their system. As a commissioned sales person I always like to stay ahead in payments just in case I have slow month. I can not do this anymore. I have received 2 calls over last 6 months regarding my " late mortgage payment ''. This infuriates me as I have never been late on a mortgage payment in 35 years. 
PNC really screwed up when they designed this loan. Not my problem. I did not even realize what was happening until the changed their payment system.Of course they lied to me for the first 6 months about the how's and why's of their system. I finally figured it out for myself.Once confronted with this info several phone reps have admitted how the system now works and why.It 's all about the interest they want to collect. Is it even legal for them to prevent me from paying early? Or to change the payment system?
Product: Credit card

The account was opened for {$3000.00} in XX/XX/XXXX. All payments have been made on time and for double the minimum amount due. The account was closed without notification on XX/XX/XXXX. When asked they stated that they monitored my credit with other creditors and decided they should close my account.
Product: Debt collection

On XX/XX/2020 The XXXX XXXX sent me an email, notifying me that they had canceled the account, that we do not owe them anything, and that we do not have to pay anything, that we keep the devices because I have spent a year, and the letter was sent to me by the department of sale compliance partner, by the representative of this department, Mrs. XXXX XXXX. The debt was XXXX, because I previously made a complaint to this XXXX XXXX, for bad facilities and excessive charging for poorly installed service, now it turns out that the XXXX XXXX  is charging me {$1100.00} for XXXX payments, Threatening to take me to Colection and wanting to damage my credit, they spoke with the bank and the bank was very rude and aggressive in answering me that I had to pay that debt or it would damage my credit and the bank was notified that I had a carte de XXXX Notifying me that I do not owe anything and that I should not pay anyone, I have the letter in my possession I can send it to you whenever you like, the Citizens Bank, was very rude and humiliating in collecting a debt that I do not owe, the bank loves me cheat.
Product: Credit card

There were XXXX charges from XXXX that i dispusted on my credit card. 
They should of been credits not debits. 
US Bank ignored my correspondence and failed to provide any evidence to support their reversal of XXXX charges for XXXX & XXXX. I do not have a XXXX account
Product: Debt collection

On XX/XX/19 I received a collection letter from Halsted Financial Services , LLC stating that XXXX XXXX XXXX, placed with them for collection a debt for {$1000.00} that they claim I originally owed to XXXX XXXX XXXX. Its their reference number XXXX. I called them and disputed that I never opened an account with XXXX XXXX XXXX. They suggested that I file a police report so they could remove it from my credit history for which I complied to and let them know after I have done it on XX/XX/19. They said that it will no longer show on my history after a month but it still does as of XX/XX/19.
Product: Debt collection

Penn Credit Corporation has sent several letters to my home and has had multiple calls made every week to my home demanding payment for a debt that is owed by an individual I do not know and that does not live in my home. The debt belongs to a woman named XXXX XXXX, is for {$410.00} related to a traffic violation in XXXX, Florida dated XXXX/XXXX/2017 and is under account number XXXX.