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

Upon reviewing my report incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed - XXXX XXXX XXXX USA Inquiry : XX/XX/2022, XXXXL XXXX XXXX : XX/XX/2022
Product: Student loan

See attached file I have been making monthly payments to Navient on this over XXXX-year old student debt consisting of Stafford loans , regularly and on time without fail for about a decade, most recently at the rate of {$320.00} per month. ( Immediately prior to this period, my family was under a XXXX  XXXX plan that Navient refused to participate in, a bankruptcy filing triggered by financial distress regarding this same student loan debt. I had made payments on this debt for years before that filing, if not as faithfully during that time as I have done post-bankruptcy. ) Then on XX/XX/year>, I suddenly received an email from Navient ( without any other prior warning, and not even by a mailed letter on paper ) that the monthly payment due will suddenly escalate to {$710.00} more than double the current amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify and send me the proof that I was late for XXXX XXXX  with an account number XXXX opened in XX/XX/XXXX, XXXX XXXX XXXX XXXX with an account number XXXX opened in XX/XX/XXXX, and XXXX with an account number XXXX opened in XX/XX/XXXX. 

The bureaus are required to provide me proof of late payments for those account to prove they are accurate.
Product: Payday loan, title loan, or personal loan

The company stated in a notice that they are unable to extend credit to me because of settlement information listed on a credit report for an old account. I spoke with XXXX in the applications department, XXXXSupervisor in the applications department, and XXXX Manager of escalations. I informed them all that it is unlawful and an act of discrimination for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction or because the applicant has in good faith exercised any right under this chapter. XXXX stated she would put in a ticket to escalate the matter for a resolution within 24 hrs.
Product: Checking or savings account

I received a fraudulent check and deposited it in my bank account, unaware that it was fraudulent. The bank has since closed my account, and I made a police report about the incident. My bank account was with Bank of America and upon completing the police report they told me that I had to reach out to checks and explain the situation so that I will be allowed to open accounts again. Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting issues with the platform.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX CO XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Mortgage

We have sent requested documents to Wells Fargo from their office fax machines, yet they claim not to have received them.
Product: Mortgage

I am submitting a new complaint to the CFPB as the scope and supporting evidence of my complaint has drastically increased since my original complaint ( XXXX ). I was instructed to do so by a CFPB representative after I called to present new information I have obtained concerning additional improprieties such as forgery of loan documents by loan officer XXXX XXXX XXXX and Secure One Capital. 

On XX/XX/XXXX, XXXX XXXX ( HR Manager / Director of Business Development at Secure One Capital ) provided an interim response to my original CFPB complaint ( XXXX ) and submitted copies of the Uniform Residential Loan Application dated XX/XX/XXXX allegedly signed by my brother ( co-borrower on the loan ) and me ( file name : XXXX FINAL XXXX ). I am reattaching the exact document they provided in the event they remove the forged document and it is no longer referable. Upon reviewing the submitted documentation from XXXX, it is obvious to my brother and me that his signature was forged ( page 9/10 on the Borrowers Signature field ) because : 1. The signature does not match his legal signature. His legal signature can be confirmed by reviewing previously submitted loan documentation which I am attaching to my complaint ( XXXX ). It can further be verified by viewing the signature on his valid California drivers license ( attached : XXXX  ) and by contacting the remote notary used by XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX ) which has an official record of his signature that he provided on XX/XX/XXXX. 
2. The Uniform Residential Loan Application dated XX/XX/XXXX was not electronically signed, so there is absolute expectation that the signature in question should match his legal signature ; it does not even remotely resemble his legal signature. 
3. Since my brother ( co-borrower ) is located several hundreds of miles away from the Escrow office ( XXXX XXXX in XXXX, CA ), the final loan documents had to be sent by over-night carrier to a remote notary for my brother to sign on XX/XX/XXXX. The forms were subsequently sent via over-night carrier to XXXX XXXX office for me to sign on XX/XX/XXXX. The final loan documents that Secure One Capital deceived my brother into signing on XX/XX/XXXX were given back to me by notary XXXX XXXX at XXXX XXXX on XX/XX/XXXX when XXXX and I noticed the back dated loan documents. As a result, it would not be possible for Secure One Capital to have certain loan documents from my brother dated on XX/XX/XXXX. 

It has become clear to me that as a result of my refusal to sign the back-dated loan disclosures provided by Secure One Capital and XXXX XXXX, they were missing legally required loan documents that needed to be submitted by certain dates to maintain compliance. Since XXXX XXXX ( Loan Originator Identifier XXXX ) signed the Uniform Residential Loan Application containing a forgery of my brothers signature, I can only conclude that he, and possibly other Secure One Capital employees responsible for the loan documentation, forged my brothers signature and were fully aware of their illegal actions.
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the validity of an account reported by Indebted, which I have never entered into a contractual agreement to pay. I have not agreed to any terms or obligations associated with this alleged debt. It appears that Indebted may have purchased this debt from a creditor, and I am requesting proof that they have the legal right to collect on it. Specifically, I ask for : Documentation showing that I am legally bound to this debt, including a contract with the original creditor bearing my signature.

A chain of custody, sales agreement, and any witness statements demonstrating the proper transfer of this debt from the original creditor to Indebted for {$890.00}. 
Without this documentation, the account lacks legal validity and should not be considered collectible. I also request that all collection activities cease immediately and that the account be removed from my credit reports pending this review. Reporting this account without proper legal validation is unlawful. 

Please note that I will not accept mere transaction records as sufficient evidence of an agreement. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied Old Navy Visa and was approved. However I never received the card and when I call them they said they sent the card to my I address. Asked them to verify the address but told me it was priveledged information. They also told me the card was cancelled. I went back to the store and paid the amount due through a debit card but they refused to give a receipt or even email it! This was XX/XX/XXXX and the person who processed this payment was XXXX and her id was XXXX. Up to now I never received a card in the mail or the orignal bill. Instead I receved a bill for late payment of {$26.00}. I call the number on the bill but they said there is nothing they could do and it would take a very long time to speak to supervisor or manager. They hang up and the person I talked was XXXX id XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED THAT ARE BEING DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS ARE DEROGATORY ACCOUNTS THAT WERE ADDED TO MY CREDIT FILE WITHOUT MY KNOWLEDGE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND BECAUSE OF THIS ; IT HAS CAUSED TREMENDOUS DAMAGE TO MY NAME AND CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report and I have noticed false and incorrect daya reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make these charges. Please delete these items to improve my credit report.
Product: Debt collection

XXXX I got this automatic message from the number above. She said they were from the Consumer Protection Association. They left a number to call and a reference #. 
I XXXX them and called them at their billing number. There was no answer. 
I checked my credit report. Harris and Harris Ltd. Checked my credit yesterday, just the day when the weird phone calls started happening. Why are they calling me when they do n't even say what I owe? I do n't have any outstanding payments that I know of. 
Please check into Harris and Harris ltd.
Product: Credit card or prepaid card

On XX/XX/22, I Received an email that my bi-weekly pay check was deposited in my AmericanExpress SERVE bank acct. 
Several hours later I received and text stating a ATM withdrawl was denied, and a XXXX charge was placed on my acct. 
I immediately opened my mobile acct and seen XXXX un-authorized withdrawls were recently made by ATM in the borough XXXX XXXX, NY. 
After placing a freeze on my acct I contacted America Express Serve. 
I notified them that I had experienced this same type of fraud an previous time with my SERVE acct ( Physical swiped charges where made at a California XXXX, while I had physical possesion of my SERVE card in New York ) I explained that I currently possessed card ending in XXXX on my person in the XXXX, NY and at no time was I ever at the location where the un-authorized swipes were made XXXX, N.Y. 
At this time I also noticed a previous un-authorized charge from 2 weeks prior that was also listed on my account. 

DATE LOCATIONS XX/XX/22 {$100.00} XXXX XXXX XXXX XX/XX/22 {$300.00} XXXX XXXX XXXX XX/XX/22 {$200.00} XXXX XXXX XXXX XX/XX/22 {$180.00} XXXX XXXX XXXX XX/XX/22 {$50.00} NY XXXX  XXXX XXXX After making my initial contact with SERVE cust service, I have been unable to reach anyone at the telephone I made the claim. 
Past 10 days the automated number disconnects when you request to beconnected an agent. 
I just received a letter from SERVE stating after their investigation they were declining my claim on card ending XXXX. 
The card with un-authorized charges ended with XXXX. 
Card ending XXXX is the replacement card Ive yet to receive. 
I would appreciate any help you can extend. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am in the XXXX XXXX XXXX since XX/XX/2019 and received XXXX XXXX order within the USA for more than 180 days, therefore I qualify under the SCRA law to return my vehicle w/o penalties to Honda. 

Honda Finance however claims that my status does not qualify me for SCRA, they claimed that military members XXXX  XXXX are the only ones that qualify for it, however if we refer to the Law IT SELF, it has 2 options regarding SCRA. 

1.- Return the lease if you are called on XXXX XXXX orders UNDER TITLE 10 for more that 180 days with out break in service. 

2.- if you are in XXXX XXXX and get XXXX overseas. 

Therefore I am going into XXXX XXXX orders order title 10 from my XXXX status which is part time ( 1 weekend a month ) However Honda Finance Is completing ignoring Number 1 option and only going with number 2.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of XXXX XXXX. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as a single parent ; I'm trying to provide a stable living environment for my XXXX children. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all 3 reports in XX/XX/2018. I received XXXX and XXXX reports, but not Equifax. I went to the Equifax website and chatted with someone. They said I should call the service department. I called the service dept. They started by asking reasonable identifying facts ( about 4 ) Then they started asking about my credit cards in force etc. It was clear that they were digging for financial information and not dealing with my request ; so I hung up. 

I only want the 2018 year end report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In proper use of credit report.1.15 usc 1681 section 6028 states I have the right to privacy. 2. 15 usc 1681 section 604 section I also state a consumer reporting agency can not furnish your account without my written information. 3. In accordance with the fair credit report act XXXX  account number has violate my rights.
Product: Credit reporting 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 : # XXXXXXXX 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 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: Debt collection

This company failed to provide me with the proper proof to validate this debt.
Product: Credit card or prepaid card

XX/XX/2021 Lost wages due to covid and loss of unemployment! Havent been able to pay my credit card bill. The collections representative asked me could I ask a Neigbor for the money. When I told him I didnt have any he advised me that I was lying! MAME YOUR LYING is what he said to me! Which I really dont have Neigbors. He never offered me any assistance in regards to my account! Instead he just harassed me. At this point I dont want to pay them anything!
Product: Money transfer, virtual currency, or money service

I request a {$30000.00} wire transfer from my High Yield American Express Savings account into my XXXX XXXX Brokerage account and the money did not show up. When I call American Express they tell me to call XXXX XXXX with the XXXX XXXXracking number. When I call XXXX XXXX with the tracking number they say they can not find it. I requested American Express put the {$30000.00} back into my account to avoid financial hardship on me but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 2021, 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, credit repair services, or other personal consumer reports

I was in a bad accident about 4 years ago I was in a XXXX for 8 months just beginning to start my life again when I checked my credit report someone was trying to get a car loan in my name and now I have 30 inquiries on my credit report that don't belong to me.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Comsumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

Bank of America was XXXX position mortgage on my home and failed to perform a title search and subordination agreement with XXXX lien holder XXXX XXXX XXXX XXXX. When I went to sell the home the XXXX lien holder told me they were in XXXX position as Bank of America failed to perform the appropriate title search. Contacted BOA and asked for them to process a title search and subordination agreement with XXXX. I was told to send a fax to the subordination department, which I did on XXXX XXXX, 2015. Called to follow up. Transferred four times. Disconnected from the line. Called again. Transferred three time. The final agent told me he could n't help me and did n't know where I needed to go. He asked me to start with a loan officer. One hour on hold and the bank does n't know how to file the appropriate subordination agreement and title search? This process has been ongoing for over two years in trying to get the house sold while avoiding foreclosure with Bank of America now failing to perform a title search and subordination agreement with the second bank now telling me to work with the first bank ( BOA ) and them not knowing what to do to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting as Closed, as CHARGE OFF? The account is UNAUTHORIZED... I HAVE Never gave XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX any Consent report on my report pursuant to 15 U.S. Code 1681 B. You must have written consent from I the Consumer... I am the natural person who is protected under the Federal law and FCRA... These companies continue to fraudulently report inaccurate and false information.
Product: Student loan

Filed for refund 6 weeks and 5 days ago for student loan payments made during coronavirus pandemic. Haven't seen any movement or indication the request is being processed. 

They can't offer information on if my request was processed and can't offer much help. A few calls to customer service cause more confusion and no clarification.
Product: Mortgage

I am writing to urgently address a situation regarding my second loan with Real Time Resolution, who holds my second mortgage. Recently, I have been threatened with default by these investors, which has caused me considerable distress. 
I was under the impression that my second mortgage had been settled years ago, as I ceased receiving monthly statements and assumed the loans had been " charged off. '' However, upon reaching equity in my home, I began receiving statements from Real Time Resolution, indicating an outstanding amount of approximately {$96000.00}. This was surprising, as the original loan value in XXXX was around {$50000.00}, with a significant portion attributed to interest. 
In XXXX, I received a foreclosure notice giving me only 30 days to respond. Despite engaging an attorney, no action was taken to prevent the investor 's actions, forcing me into a temporary payment plan initially set at {$240.00} per month. By mid XXXX, this plan was renewed to increase my payments to {$360.00}. Now, despite my consistent payments as agreed upon, I have received a letter from their legal representatives with a delinquent balance, late fees, and legal charges totaling {$4600.00} as of XX/XX/XXXX. Because I have not been sending payments of {$620.00} monthly I have already provided proof, including bank statements and the signed temporary payment agreements, to demonstrate that I have been making payments diligently. However, I strongly believe that Real Time Resolution may be inflating the numbers unjustly. 
Given the seriousness of this situation, I am seeking your assistance in filing a formal complaint and initiating an investigation into Real Time Resolution 's practices. Your prompt attention to this matter would be greatly appreciated.