23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX2021, I was told that I needed to pay XXXX as a down payment on a XXXX XXXX XXXX. I was also told that I had to have full coverage insurance on the vehicle before I can leave. I have reason to believe that the lender ( Global Lending Services ) willingly and knowingly took advantage of me and my consumer credit. Within the contact I found at least 10 consumer law violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

EXPERIAN IS REPORTING SOCIAL SECURITY NUMBERS THAT DO NOT BELONG TO ME AND I HAVE SUBMITTED SEVERAL TIMES MY SOCIAL SECURITY CARD AND PROOF OF IDENTITY AND THEY STILL HAVE NOT REMOVED THEM FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit Bureaus never did a proper INVESTIGATION according to the FCRA The term investigation 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 whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this : - Also they have violated my rights even more. 

In accordance with the fair credit Reporting everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but now is that possible if the open and close date, last active, payment and report date is inaccurate, even the 3 credit bureaus have different information about my date of birth, address and employer. This is ground for removal. 

They also violated the law because according to 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 writtan instructions. 

I did not give anybody writtan instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this dispute against FedLoan due to the incorrect information that is being reported by Transunion and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These XXXX XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with Transunion and Equifax and I have received dispute results stating that XXXX verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and TRANSUNION to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX  After reviewing my consumer report i found some errors and false information on it. I currently reside at : XXXX XXXX XXXX XXXX, PA XXXX I would like you to remove all the inaccurate and misleading information from my consumer report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) Title 15, Section 1681, I demand for the following address be removed. I have never lived at the following address : XXXX XXXX XXXX, XXXX, PA XXXX. 

Thank you for correcting my consumer report. XXXX XXXX XXXX
Product: Checking or savings account

I had a business account with bb & t and decided to open a second account with suntrust account was Opened deposited XXXX cash and both accounts were closed for suspected fraud claim my information didn't match now I have over XXXX XXXX tied up between 2 banks they are holding my money hostage I have bills a business to run I will be contacting my lawyer I feel asf if this is racially motivated because I've had a bbt account since XXXX no problems I am a business owner everything is on file said the money is apart of investigation when I took XXXX cash from 1 Bank n took to the other what is fraudulent about that
Product: Mortgage

XXXX is the master servicer for my loan, and subservices it out to LoanCare. They experienced a data breach/cyber security attack almost a month ago, and have provided misinformation and barely any details about what transpired. My contact info is below to identify my loan. I need the following : 1. Assurance that all borrower payments will be backdated to the effective date of the breach to avoid additional interest overcharges. 2. Loancare/XXXX XXXX  validate my debt to the CFPB as required and timely 3. Confirm timely payment of property taxes from escrow account without any penalties/interest charged to me as a result of their breach All of these are financial harm against consumers. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( Equifax, XXXX, XXXX ) deleted the account and then placed it back on ). ( Equifax, XXXX, XXXX ) has failed to remove block and deleted  information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Product: Checking or savings account

Im not sure the actual date but it was in XXXX I had Chime for my banking and I had a bunch of unauthorized transactions on my account so when I filed a dispute with them they closed my account saying I violated there terms of service when I did nothing then the dispute had been completed with me winning and my money put back on my account but its closed so its still useless and you cant get any one there to talk to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a late payment reporting error on my credit report for {$7.00}! It is the only negative blemish on open accounts for me. Everytime I try to send them a correction, their system crashes. It just about looks intentional
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " 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. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to American Express Fraud or Billing Inquiries Department, advising them that there was an account that was opened fraudulently in my name at their institution. I also asked in that SAME letter, to be absolved of the charges made on the account and also to remove the credit inquiry that was made as well. 

I also sent a separate letter with the request tp remove the inquiry from my credit report ( s ) XX/XX/XXXX I received a response from American Express stating that they had done their investigation and determined that I in fact, would be absolved from this account. However, I needed to allow 90days for the reporting to be corrected. Great! I checked my reports and the reporting for American Express was removed, however the credit inquiry still remained. 

I resent American Express, the same exact letter from XX/XX/XXXX on XX/XX/XXXX letting them know that this was my SECOND request asking them to remove this credit inquiry. 

I, then in return, received a letter from American Express dated XX/XX/XXXX stating that they needed my social security number, because they could not " locate the application with the account number or the information you provided to us ''. 

This is the ORIGINAL CREDITOR who reported this information and the unauthorized credit inquiry and all of the past subsequent correspondence with American Express, they did not need my social security information, to remove and absolve the account.
Product: Credit reporting or other personal consumer reports

I applied to work for XXXX. XXXX, performed a background check. Checker reported information that is older ten 20 years against FCRA regulations. They know of this mistake and have done nothing about it.
Product: Credit reporting or other personal consumer reports

Equifax reported a new bankruptcy on my report. Its stating XXXX bankruptcies. Its inaccurate and its diminishing my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reporting the case # XXXX completed by XXXX in Global consumer services/Equifax. It's recorded me stating " Equifax to being dismissive and deceptive, and she answered, agreeing, I know ''. This case consisted of a number of dialogues between me, representatives, agents, supervisors and supervisors in charge from the XXXX  of this month regarding the reporting and accounts that were promised to be deleted. Me exerting my consumer rights, rightfully. However, I asked for a case # to be provided to me from the dispute # XXXX on the XXXX of XXXX initiated without my knowledge or authorization from the supervisor, XXXX from Equifax. Also, to include how the customer service I experienced consisted of bait-switch tactics and interference regarding my consumer report. I was only granted a suggested date of the XXXX of this month, XXXX, only creating a case from call logs from the XXXX of XXXX, instead of the XXXX of last month as I requested. Now, it was stated to me on XX/XX/XXXX that 23 accounts from XXXX XXXX XXXX  were to be deleted and it received a confirmation # of deletion, with reassurance from the supervisor in charge, XXXX. Who agreed that they were to be deleted. They have not been deleted as promised! Instead, I have received excuses, misinformation, misguidance, negligence, and interference. No valid reason to why my account is not reporting truthful and accurate, even upon reinvestigation ( s ). Equifax is reporting incorrect information on my credit report via error code reporting and inaccurate credit score. My consumer rights are definitely being violated to the upmost. They're willfully being unfair, negligent, deceptive and interfering with my right to an accurate consumer report and diminishing my creditworthiness by doing so. I am lawfully demanding monetary relief for all the consumer laws broken by Equifax. 

Rights violated to the fullest extent by, Equifax.

FDCPA SECTION 806 FDCPA SECTION 808 CONSUMER LAW 15. U.S CODE 1681s-2 ( b ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

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

Whom It May Concern : I hope this email reaches you in good health and spirits. <P/>Back on Friday, XXXX XXXX XXXX, I received a FICO monitoring alert via XXXX XXXXXXXX monitoring subscription that a collection account had been reported to 2 of my credit reports. After investigating this unknown account further and gathering documentation and details, I was able to submit this information to XXXX XXXX XXXX County ( the original creditor ) who apologized for this mishap and withdrew the account from Security Collection Agency ( SCA ) .Once the account was withdrawn, I reached out directly to SCA to ensure this information was deleted from my credit reports. XXXX XXXX was deleted w/o issue ; however, XXXX to date, still has not removed this account. I disputed this account 3 times ( XXXX, XXXX, & XXXX ) with XXXX in which they came back stating that the information reporting is accurate. Again, I reached out to SCA who indicated that they received the dispute from XXXX ( electronically ) and replied instructing them to delete the account each time. However, XXXX continues to report the investigation results of the information reporting is verified and accurate. So it appears that SCA is blaming XXXX and XXXX is blaming SCA. So I submitted another dispute to XXXX, this time including the documentation stating that the account was withdrawn. I even sent the email correspondence between myself and the Deputy Director of Administration which clearly states that they have instructed that this be removed. For whatever reason, XXXX continues to report this account as being valid. I have attached all of the same documentation that I submitted to XXXX. <P/>I feel that XXXX is again, engaging in illegal and unethical practices. As a financially responsible consumer with a spotless credit history, this is mistake is costing me. I am set to apply for a mortgage in the next few weeks, and this is detrimental to this process and will cause extreme delay. I have done everything right, and yet, I am the only one being impacted. No matter how many times I talk to XXXX, they send me to inviduals in another country that reads from scripts. I asked them if they even read the documentation, they stated they dont have access to look at that information. I then asked to be transferred to a US based rep whom also told me the same thing. They also stated that they had not received any delete requests which I find odd in that I had no issues with XXXX. The US based representative indicated that I need to talk to their business office and provided me with the number. However, when I called, they stated they do not talk to consumers or handle consumer personal credit files. I am truly at a lost here and am not sure what I need to do. As a result, I am reaching out to your organization for assistance.
Product: Student loan

on XXXX my education records and personally identifiable information from such education records was improperly disclosed without my prior written consent. This was not an official from the DOE. It was an unauthorized non-employee that was given access to my information. I am requesting forgiveness of my loans
Product: Credit card

There has been fraud on both of my credit cards with Capital One now since XX/XX/XXXX. I have asked for them to block any online access or delete the feature all together. I have also requested setting up a password or someway to prevent the fraud changes thats been happening on the account. Everytime I call each representative seems to have no knowledge of the issues with fraud. Now they have changed my account information to a new address even though I have advised the person committing the fraud is wanting to make changes to my account. I have not requested any changes. My address was still changed, my phone number, and my email. This person committing the fraud has now prevented me from being able to access my own information according to Capital One. I have advised I won't make any changes and none should be made to the account. Capital One now for XXXX months have allowed the fraud to continue and prevent me now from rectifying the account. This person has also been able to open a XXXX account with my information and use my personal XXXX account with Capital One to open a credit card and use money from my XXXX account. I am fed up with the promises to protect because that just isn't happening.
Product: Credit reporting or other personal consumer reports

This account information is all over the place. Account shows open XX/XX/XXXX. Means the account is reporting past the XXXX years. Also the account shows closed XX/XX/XXXX but also states i made a XXXX  day late in XXXX XXXX which is incorrect. i couldnt be XXXX  days late after the account has already closed. And if it closed in XXXX, where is the monthly history reporting from XX/XX/XXXX to till XX/XX/XXXX. The information on this account is inaccurate. I was never late. The account needs to reflect CLOSED/NEVER LATE or the account NEEDS TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX     I checked my credit report and noticed an address addition and a charge off debt which are not mine! I put a fraud alert to all credit reports. I contacted the company that sent the charged off debt  XXXX   XXXX , they stated that they sent the information to Equifax but it was for a different  XXXX   XXXX  and Equifax put the information of that person on my report it was supposed to go to a different  XXXX   XXXX  who also lives in  XXXX . I contacted Equifax over  20  times yesterday trying to solve this issue I even did a dispute on line. I do n't feel I should have to wait 30 days to get this resolved since it was Equifax, employee incompetence. They left me on hold and never came back to help me with my issue and now I have to send them information to prove its not me when they should do the research. The consumer that the information should go on is  XXXX   (  with  one  L )  XXXX  who lives at  XXXX   XXXX   XXXX   XXXX   ,   XXXX  MA  XXXX  they need to  contact   XXXX  XX/XX/XXXX  and  XXXX   XXXX  and verify also check social security numbers  two  different people. Remove from my Credit Report I will file a lawsuit.
Product: Mortgage

I am a victim o f Hurricane   XXXX  (  XX/XX/XXXX ) and my home was declared a total loss. I qualified for the flood insurance ( sitting in escrow with  the bank  XXXX   XXXX   ). No mortgages were paid because no home exists from the severity of the damage. We were negotiating a new mortgage, as I was waiting to get a release of a Grant from the NJ Government ( RREM ) to rebuild my home. All was good UNTIL th e bank sold the hundreds of bad "  XXXX  loans '' to a  3rd party bank (   Statebridge  Bank in Colorado  ).   IMMEDIATELY thereafter, I was sent a foreclosure notice AND they absconded with my {$130000.00} of flood insurance money!! Additionally, since I am  fully   XXXX  ( due to the losses of my wife/home/business/personal belongings ) and no longer able to work and to afford a high mortgage, I was forced to file CH.  XXXX . What makes this worse, it i s ILLEGAL for any l ending institution to foreclose on a  XXXX  Victim PRIOR to   XX/XX/XXXX !! So , the bank refuses to accept my offer of paying them off or recasting my mortgage to an affordable su m ( HARP Loan ). MY offer was 1 1/2 times OVER appraised  value!
Product: Student loan

I have been enrolled in a interest rate reduction program for two years which i diligently renew every year. In XXXX 2017, I received an email from Navient to submit documentation to renew in which i did. I get a statement in XXXX indicating that not only has my payment amount increased from {$120.00} to {$250.00}, but also the due date his changed from the XX/XX/XXXX to the XX/XX/XXXX. I was informed that I owed the difference even though i submitted the requested documentation and set up auto debit for the payment. Navient claims that in addition to requested documentation submitted, that i was to personally contact them which was never indicated. Navient is practicing predatory lending and ensuring policies/practices for borrowers to default on their loans. I just want the reasonable and affordable rate that i was paying before.