23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022, sent and verified via Certified Mail, Angel Oaks Home Loans LLC received a request for full disclosure of the amount due on our precomputed consumer credit account and a demand for a prompt return of our unearned interest. They were notified that they had a XXXX  day period to comply with our request pursuant to 15 USC 1615 of the Truth in Lending Act and they have failed to comply. Its past the XXXX  day period in which they were to give us a prompt refund of our unearned interest as well as give full disclosure of the amount due on our precomputed credit account. I have called them twice in connection with our request and they have failed to comply with an oral request in addition to failing to comply with a written request. They have acklowelded my request but have not done what is required under the Truth in Lending Act.
Product: Student loan

I XXXX XXXX claim that a company known as National Enterprise Systems ( NES ) has been for a great deal of time tried to collect a debt that may no longer be valid. The referenced collections state that the debt service date to be 1998. If these debts were in fact educational loans, they would have been backed by guarantee with the U.S. Department of Education. 
I claim that NES acquired these debts from a debt pool system, and that the enforcement date can no longer be valid by California laws. The only method in which these loans would be valid is by a guarantee to the U.S. Department of Education. 
I believe that these loans were securitized through a XXXX party investor. NES has destroyed my personal credit on debts that are no longer valid. 
I will proceed with a federal lawsuit against NES if they can not validate a legal collection process. 
NES has submitted my personal information to another XXXX party source where this source stated in a recent conference call that they have no ownership in the debt, nor that they have any authority to modify the debt. This is a violation of my rights under the Fair Debt Collection Practices Act. NES has destroyed by credit even though the debts are no longer valid for collection under California laws,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received letters regarding denial of credit applications which I don't recognize, on XX/XX/XXXX ( Stellantis ) and XX/XX/2023 ( XXXX XXXX ). These financial companies are recorded in my credit reports but the letters indicate that someone used my identity for a fraudulent credit application. 
On XXXX XXXX, the dealer, XXXX XXXX XXXX has confirmed that they submitted the applications to total 8 auto finance companies and these two finance companies ( Stellantis and XXXX ) are part of 8 companies. 
Any application submitted by or via the dealer, XXXX XXXX XXXX, is fraudulent, and I was never involved any of the transaction or associated communication. Therefore, I'm not liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer is writing this statement. On XX/XX/22 I sent a letter and FTC report regarding unauthorized information on my credit report. To this day, I have not received a response to these unauthorized inquiries. I feel like my disputes have been completely disregarded and ignored. I have even called and have proof with certified USPS receipts and transunion has stated that they do have documents and will not remove the inquiries. I demand these inaccurate inquiries be deleted immediately or I will file for litagation due to the stress and anxiety you have caused. I know this is a violations of my rights. My information was impacted by the XXXX databreach as well and may have been exposed to the wrong person.
Product: Credit reporting or other personal consumer reports

First, I DID NOT WITHDRAW MY FIRST COMPLAINT!!!! 

Second, I provided CFPB with the statement from the Better Business Bureau showing that the account is and was not MINE! The account clearly shows that it belong to an individual by the name of XXXX XXXX. The fact that XXXX, want to withdrawl and lie to the submission of that fact is IMMATERIAL!!! The fact still stands that it belongs to someone else!!!
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my husband recently reviewed and found multiple accounts that have been opened in my name without my knowledge and they were removed and came back without a 5 days written notice and that's a violation. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have collections and inquiries on my credit report that I have no ties to and need them removed as soon as possible. I have Collections XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX Inquiries 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 card or prepaid card

I had my personal debit card/checking account from XXXX XXXX linked to my capital one credit card account to make payments. Capital one erased my checking account info from XXXX XXXX, after I have had payments go through for over 6 months effectively. I have called both capital one and XXXX XXXX, capital one told me I had to go into XXXX XXXX to get a letterhead letter faxed to Capitol one containing my routing number, account number and XXXX XXXX  representative, this was obtained and faxed to Capital one on XX/XX/XXXX. I have not heard anything from them, and still when I try it wont re-link my account to make a payment. I have called them numerous times, and spoke to an employee XXXX employee ID # XXXX on XX/XX/XXXX, she informed me she would be calling me the following day as the department needed was not in, however I never got a call from her as discussed at XXXX. So I called again and spoke to XXXX XXXX ID number XXXX who told me he would email her since he can not connect me to a supervisor in that department. This is ridiculous and no one is able to help me, it was linked before with payments and now they wont add it back and XXXX cant make payments with a payment due XX/XX/XXXX. Please help me get my account set up this has been on going now for XXXX weeks and is not acceptable, and wrong of the capital one employees for making me do all this work and not even call me back? This is wasting my time when it shouldnt be at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed an account with Equifax reported by XXXX XXXX XXXX, and XXXX. I was informed on XX/XX/2020 that the item was deleted from my credit report. Now I have discovered that the items has been reinserted on my credit report. Also, for your convenience and for your reference, I included a copy of proof and previous correspondence.
Product: Credit reporting or other personal consumer reports

The XXXX AND XXXX XXXX XXXX accounts that are listed in the FTC report that Im attaching are results of identity theft. I have contacted the EQUIFAX numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX AND XXXX XXXX XXXX  provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Product: Checking or savings account

My JP Morgan Chase Checking Account XXXX was overdrawn in the amount of {$9100.00}. Chase offer me a settlement compromise, of {$4500.00} in three payment. I refused this settlement offer and requested to pay the account in Full. 

JP Morgan Chase requested I pay {$9100.00} to pay the same in full. I paid {$9100.00}, to JP Morgan Chase. JP Morgan Chase recovery department agreed to notify ChecSystem that the same account JP Morgan Chase reported to ChecSystem is paid in full.

JP Morgan Chase recovery rep. also agreed to provide me a letter on JP Morgan Chase letterhead stating account number XXXX is paid in full as of XXXX XXXX, 2017 as the direct result of receiving payment from XXXX XXXX XXXX in the amount of {$9100.00} bring the account to a XXXX balance. 

I have contacted JP Morgan Chase, twice since performing under our agreement to remedy the overdraft in my above said account, by paying the full balance amount of {$9100.00}. 

The Chase recovery representative agreed to provide me a receipt of payment, showing the amount of paid, with the language " paid in full, '' written on Chase letterhead. 

After I made payment in full to Chase, Chase recovery states they can not give me a receipt, showing the amount I paid, nor will they state the account is paid in full.
Product: Credit reporting or other personal consumer reports

I don't want to receive any updates from the TransUnion either by letter or email regarding my Human Trafficking experience. I am requesting ceast of communications thru email and letters from the said Bureau.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Inconsistent Payment History Reporting : The payment history for this account is reported inconsistently across the three major credit bureaus. For instance, XXXX, Equifax and XXXX show 30 and 60-day late payments for the same time period. 

On-Time Payments : I have attached bank statements and payment confirmations showing that all payments were made on time. The evidence provided contradicts the late payment information currently reported by the credit bureaus. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 around XXXX XXXXXXXX, I { XXXX XXXX XXXX XXXX went to withdrawal money in the amount of {$300.00} off my North Carolina XXXX XXXX XXXX XXXX the bank associated on the card is Bank of America, which is a debit card for which I receive my Unemployment Benefits on.I was using a XXXX  machine in the town of XXXX XXXX, N.C. XXXX XXXX XXXX XXXX XXXX XXXX is the name printed on my XXXX XXXX XXXX and I went through the process of trying to withdraw the amount of {$300.00} and a surcharge fee of {$2.00} comes to the total of {$300.00} and the cashpoints machine printed my receipt and DID NOT send no money out and then a message come up on the screen and said that this machine was down and could not be used. So i got receipt and left to a different XXXX  ATM on XXXX XXXX in XXXX, N.C XXXX used it to withdraw the amount of {$200.00} and I did get the {$200.00} and so i looked on my receipt and it clearly took my {$300.00} from my card from what my receipt stated. I get home and call to check my previous summary which was my last two { 2 } withdrawals and it deducted it from my account, so now that the XXXX machine that feld to give me my {$300.00} I need my money put back on my card. I DO KNOW THERE IS CAMERAS AT THAT XXXX  PLACE SO IF THEY GO BACK AND WATCH IT WILL SHOW THAT I WAS NOT GIVEN MY {$300.00}. I have contacted Bank of America and I'm getting told they will need a claim filed and I have and no response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending certified documents in to this company and they still wont remove the information although its fraud and it still reports to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has willfully and maliciously allowed false information to remain on my insurance report for four years and is unable to provide accurate information in reference to the use of my profile with them. On XX/XX/XXXX I was involved with a not at fault accident where the at fault driver rear ended my XXXX XXXX XXXX and the driver was excluded for the owners insurance and thus was an uninsured motorist. Then on XX/XX/XXXX I was shopping for new car insurance and it was disclosed to me by XXXX, XXXX XXXX, XXXX and XXXX insurance that said accident was reporting as an At Fault hit and run accident with damage of {$17000.00} and makes me ineligible for car insurance. Upon contact with LexisNexis and the insurance company that handled the claim XXXX, it was determined based of evidence provided to me that LexisNexis doesnt keep accurate records of who requests a Loss History report or who requested a copy of the consumer file. Also it was determined that they willfully and maliciously keep false data on a consumers file because they keep claiming that my file states the accident is not a fault in their system but then when an insurance company pulls it they state at fault. There are multiple requests to fix the false information and even with an agent from XXXX insurance on the phone LexisNexis would still not fix the false information. Upon request from XXXX, XXXX XXXX and XXXX with two different policys this false information has been used to determine my rates with them thus causing me to pay higher premiums then I should have been paying.
Product: Credit reporting or other personal consumer reports

I never gave anyone permission to pull my consumer report or to open any accounts in my name. this is identity theft. Please remove all attached items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and XXXX XXXX several times that I live in CA and someone established a mortgage in XXXX. After much research, it appears XXXX had the mortgage first and then XXXX XXXX had second This is not my debt please remove it from my credit report. Or provide proof with my wet signature that it is my debt
Product: Student loan

Hello, I have reached out to EdFinancials customer service multiple times regarding a refund request on my student loan payment made on XX/XX/2020. However, I have been given no real update or confirmation that I will receive a refund. As a student who depended on the Pell Grant to attend college, its quite disheartening to know this company will do anything to refund me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$48000.00} XXXX - XXXX - XX/XX/XXXX - {$45000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$470.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

WELLSFARGO STILL HAS NOT ANSWERED MY COMPLAINT VA REP XXXX XXXX XXXX XXXX XXXX  SAID VA IS OVERIDDING THE CAP AT 3 LOAN MODIFICATIONS! LETS HAVE A 3 WAY PHONE CALL! DONT CARE ABOUT HOW MANY LOAN MODIFICATIONS WERE DONE! WELLS RESPONDED BACK WITH NOTHING THAT I HAVE REQUESTED! AM A VETERAN LOAN MODIFICATION CAN BE DONE! SEE PROOF OF ANOTHER VA LOAN MODIFICATION 4TH ONE! WILL PUT IN STATE COURT! RIGHT THING TO DO IS MODIFY LOAN AND DONT WANT TO BE DISCRIMIATED DUE TO XXXX!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX -BALANCE {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 

Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX
Product: Credit reporting or other personal consumer reports

Consumer portfolio services abused the use of my credit report by running it with themselves 4 times resolving in 4 hard credit inquiries. I am trying to rebuild credit.