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

I write this complaint to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information in my credit report. The credit bureaus ( Experian, XXXX, and XXXX ), entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services. Let it be known that I will not rest until justice is served until the credit bureaus are held accountable for their transgressions. My voice shall not falter, for I stand united with countless others who have suffered at the hands of their negligence.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

At the beginning of XXXX I lost my job. I immediately applied for the forbearance program with my mortgage company Wells Fargo. During the intake call I was asked if this was COVID related. I said no because I thought they were asking if I had COVID and that is why I lost my job. I was enrolled in their forbearance program ( non-Covid- Cares Act ). I remained continuously in the forbearance program until Wells Fargo until they sold my mortgage to XXXX XXXX in XXXX. Once the mortgage was transferred Wells Fargo reported my mortgage as 90 days delinquent. This reduced my credit score from XXXX to XXXX. I immediately contacted Wells Fargo executive office. They conducted an investigation and concluded that the delinquent credit reporting was correct because my forbearance didnt fall under the Cares Act. Then I contacted my attorney and explained the situation. He explained to me that my forbearance was covered under the Cares Act since my job loss was related to Covid due to a loss of business which was related to Covid which in turn eliminated my position. Then I contacted Wells Fargo executive office with this new information. They started another investigation and concluded that the delinquent credit reporting was accurate since I didnt initially claim the job loss was due to Covid. 
Due to my lack of understanding of the initial question regarding Covid during a traumatic and stressful time in my life, I would like my forbearance program reclassified under the Cares Act Forbearance program and the negative credit reporting about the account being 90 days delinquent removed from all of the credit bureaus As a side note my VA XXXX was increased to 100 % in XXXX. In XXXX I was able to bring my mortgage completely up to date and it continues to be up to date. I have stellar credit never missing any kind of payment.
Product: Credit card or prepaid card

In XX/XX/2020, I used Capital One Visa credit card to purchase plane tickets for travel to XXXX. The travel date was in XX/XX/XXXX. Some tickets were bought over the internet from XXXX XXXX XXXX ( {$2800.00}, XX/XX/2020 ) and some directly from the XXXX ( {$250.00}, XX/XX/XXXX ). Due to the Covid-19 restrictions on travel my flights were canceled by the airlines in XXXX and XXXX respectively. I contacted the airlines and asked for the refunds. Despite my repeated attempts the refunds were not issued in the timely fashion. On XX/XX/2020, I asked Capital One to reverse charges/chargebacks for said transactions with detailed information and explanation. On XX/XX/2020 I received a notice from the Capital One in which they stated - " Unfortunately, based on the information we have, we are unable to assist with your claim because : We can only request a credit from a merchant if we can document how the merchant violated an operating guideline. '' I know that the The domestic flights, as well as international ones departing or arriving the U.S., are covered by the rules of the Department of Transportation. As it says on the DOTs website - if your flight is canceled no matter the reason you are entitled to a full refund back to your original form of payment for the unused portion of your itinerary.
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. 

XXXX XXXXXXXX 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 am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect information on my credit report. They are reporting one account that I closed back in XXXX of 2020 as 30 days late. Which was closed with a XXXX balance and the account was never late. This merchant has reported my closed account on other credit reporting agency as 30 days late 5 months after the account was closed. I've also sent to the Merchant debt validation request letters which they failed to do. 

There is a collection account that is not my account. Again I've contacted the company requesting debt validation which they failed to provide me with under the Fair Debt Collect practices pursuant to 15 USC 1692g Sec 809 ( B ) of the FDCPA. The letters were sent on XX/XX/2020 and on XX/XX/2020
Product: Vehicle loan or lease

I am currently leasing a XXXX  XXXX XXXX XXXX  and paid extra for an upgraded premium XXXX surround sound. The premium sound system has not worked since the lease of the vehicle and has been an open ticket with no resolution and is effecting the value of my vehicle. I am expected to continue to make my monthly payments while not receiving the product I paid for. It has been 9 months with no resolution to fix the problem and no resolution on being put into another vehicle. I have contacted XXXX XXXX and get the run around as well as The XXXX XXXX with unsatisfactory results.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$XXXX} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
XXXX. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$XXXX} and not more than {$XXXX} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$XXXX}, whichever is greater ; PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$5.00} XXXX XXXX Balance : {$650.00}.
Product: Mortgage

On XX/XX/XXXX we closed on a new construction home built by XXXX XXXX. We had initiated this purchase in XXXX of XXXX by placing a 5 % deposit on the home that was only returnable if we did not qualify for the loan for the home. Between XX/XX/XXXX and XX/XX/XXXX the Interest rate increased significantly ballooning the monthly payment to where it represented 54 % of our household Gross income. with the interest rate rise I contacted our Loan Officer XXXX XXXX XXXX  # XXXX, who works with XXXX XXXX XXXX in regards to how with the increased interest rate the loans monthly payment was well beyond the realm of being affordable, and that I did not feel I qualified for a loan with such a large payment. XXXX stated that we still qualified for the loan and at no point advised us of any options to freeze the loan process. Ultimately a buyer purchased our existing home at full price which obligated me to sell the home and proceed with the purchase of the new home at a payment amount which was not affordable for our family, with the promise of future relief from a refinance in XXXX or XXXX of XXXX, this relief has been unforthcoming. This loan was underwritten and issued by Cross Country Mortgage LLC. In this case both XXXX XXXX XXXX and Cross Country Mortgage exhibited gross financial malfeasance.
Product: Credit reporting or other personal consumer reports

Equifax, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. 2024 cv 000406 in The Central District of Illinois. I am asking YOU for the very LAST time - for you to delete both of the FRAUDULENT accounts that are being reported on my Equifax credit report. Please delete ALL of the Following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX XXXX XXXX. 

I told the XXXX, XXXX, and Equifax to delete these accounts because the information was incorrect and I was a victim of identity theft : XXXX. XXXX XXXX XXXX ( Original Creditor : LOAN BY PHONE ) Account Number : XXXX XXXX. XXXX & XXXX ( Original Creditor : XXXX  ) Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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: Vehicle loan or lease

Trying to get a lease with XXXX I have very good credit and it's coming up fraud but it's me and they don't give any reason why they don't want to lease me any other Banks want to lease me only XXXX t financial without any explanation The only reason why they don't want to lease me the car is because races it's 100 % discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

Received paperwork in mail on XX/X/2017 for an auto loan that was taken out in my name for {$7500.00} through a finance company that I had financed a vehicle through four years ago, and paid off the loan. Loan has been paid off for at least two years. This loan is for a XXXX XXXX, and was taken out last month. I can not reach the finance company ( XXXX XXXX XXXX ) and when I am trying to put a fraud alert on equifax credit reporting account, they are asking me to verify my identity. The problem with this is that they are using questions about the fraudulent auto loan to verify my identity! I have currently put fraud alerts on XXXX and XXXX, but am unable to do this with equifax. They want me to send hard copies of my id and social security cards to verify my identity, which is ironic due to the fact that it appears that my information has been stolen after a MASSIVE data breech with their company. I refuse to send hard copies to this company, but need fraud alert put on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my paid Experian subscription today and I notice that a closed collection account that was once posting a {$970.00} dollar balance currently shows {$3800.00} due and a 514 % credit utilization SUDDENLY. This account has been closed for years and is currently in dispute. I will include a copy of the letter upon which they have been sent. I recently paid off {$330.00} on my past due XXXX and I had an 11 % utilization yesterday. I need to get a new vehicle and other things and these erroneous and fraudulent reporting schemes used by these companies are making it very hard for me to get my life off of the ground. What on earth could I possibly have done to ever owe someone {$3800.00} when I have never even had a credit card that would give me that much money to get into that much debt with. Please do something about this non-sensical reporting.
Product: Credit reporting or other personal consumer reports

XXXX did work for me, and a final statement of work was required for my insurance company, which they failed to provide. Additionally, they did not complete all the agreed-upon work, which is where my complaint began. 
Once they claimed the work was complete, I requested all administrative documents. Although I come to accept that some of the work was unfinished ( ive had to conduct more repairs since this shotty job ) and came to terms with all of thisbut, I still need/ed a final itemized invoice ( final statement of work ) and a warranty for my shingles. The itemized invoice was necessary to activate the warranty, and I was also required to provide the company owner 's signature or provide my homes deed to activate it myself since XXXX refused to do so. but i was back at square one with no itemized invoice to show warranty what was on my roof XXXX was ready to collect additional money. However, I informed them that I would not make any further payments until I received a final invoice and warranty, as I was unaware of what materials and labor had been performed. I did, however, have a clear understanding of what had not been completed or provided as promised. 
A collections representative, falsely posing as an attorney, contacted me. In response, I formally notified XXXX regarding their collection practices and ordered them to cease and desist all contact from XXXX XXXX XXXX. I also instructed them to refrain from using my personal identifiable information ( PII ). Despite this, they proceeded to run a credit check on me for a non-credit transaction and placed erroneous data on my credit report, preventing me from being approved for a new home. I neither applied for credit nor was approved for any line of credit with XXXX, and they were never given permission to use my PII. I have no knowledge of how they obtained my Social Security number or any other information to conduct a hard pull. 
I requested arbitration, but XXXX placed this unvalidated debt on my credit report and conducted multiple hard inquiries, which I believe are illegal. They subsequently took me to court, claiming I owed a significant amount. However, they voluntarily dismissed the case, leaving the debt unvalidated between us. 
Now, both parties have been invited to return to court. Before the court events, at the time of the court events, today after the court events, I have not and do not acknowledge this as a valid debt, nor should I be obligated to. XXXX has used every legal avenueand some illegal ones, including offering incentives they were not legally permitted to provide under Florida roofing lawsto harass me after failing to conduct business in a professional manner. 
In addition to having this matter removed from my credit report, I hope XXXX is held accountable for their illegal consumer and FTC actions.
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 postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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 transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set to current. As soon as i contacted XXXX my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING FRAUD ON TH E   XXXX   MAJOR CREDIT REPORTING AGENCIES. 1.  XXXX    XXXX   XXXX   XXXX   XXXX  , TX   XXXX   / 2. EQUIFAX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX . 3.   XXXX     XXXX   XXXX   XXXX   XXXX  , PA  XXXX  / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE   XXXX   XXXX   XXXX  . I BECAME  XXXX  IN SECOND MONTH OF  XX/XX/XXXX . ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY   XXXX   XXXX   XXXX   XXXX   XXXX  . PASS AND PRESENT. 1.   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 2.   XXXX   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH XX/XX/XXXX  / 3.   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX   XXXX   XXXX   XXXX   ) ) )
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please remove this fraudulent inquires from my credit report as soon as possible.