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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 having a problem getting approved from any lenders because of this creditor reporting a charge off on my business when the debt was settled and agreed to be removed off my report because of me being caught in the middle of situation that I was not aware off by XXXX  business. Please remove this from report off my credit. It is not reporting accurately in my report ... Missing information by Wells Fargo business
Product: Mortgage

We are first time home buyers with no experience in the housing market. We signed on XX/XX/XXXX for our new home to be built. During that phase, I was told by the builder that the closing cost estimate included a float down option on my interest rate and a total cash to close around XXXX. On XX/XX/XXXX, i started the process with NVR ( XXXX XXXX XXXX ), I was contacted over the phone and I was again advised that I had the float down option built into my estimate. I explained to the loan officer at that time to provide me with their offer because I was in discussions with other lenders. During that phone call, the officer did not explain mortgage points and persuaded me against locking in my rate at that moment. Fast forward a week later, I asked him about the interest rates as we signed all our disclosures and everything, he started talking about mortgage points and that we would have to pay approx $ XXXX for the points to buy down the interest rates but that it was already factored in. furthermore, during this conversation, the loan officer told me not to worry about locking in. Fast forward to last Thursday or Friday, around XXXX, after going over the commitment letter, the loan officer asked if I wanted to buy lock in the rate. I asked him for clarification on the float down and he told me it would cost an extra {$4000.00} on top my closing costs. This was never disclosed by him in the multiple conversations we had. I then asked to lock in the rate, and he told me it would cost another $ XXXX to $ XXXX to lock this rate in. I was in shock, he told me it was in the all the print on the documents that I signed ( he pressured us to sign the documents right away, and told me not to worry about the points or rates because " it was a live document and we could make any corrections as needed ''. I told him at that point, i would have to consider another lender that was not attempting to scam me and did not lock in. Now today, XX/XX/XXXX, I attempted to lock in my rate ( which was higher than a month ago ) and was told that if I wanted the best rate, it would cost me approx $ XXXX usd more cash to close as the the " points to purchase has drastically gone up since last week ''. Out of panic, I had to lock in at a higher rate today and it still cost me an extra $ XXXX usd that I did not account for. I am not going to be financially harmed by purchasing this house. I feel 100 % like the lender took advantage of us because of our situation. the officer and his boss were completely unwillingly to make another work and even after I attempted to explain how not transparent this all was, I was told to either lock in the rate today at an extra cost or holdoff and who knows what I would be paying. I got forced into locking the rate at this premium rate. I feel scammed and victimized by this lender and their deceitful tactics.
Product: Consumer Loan

In XXXX my now ex-husband and I obtained an auto loan with Navy FCU. At the time we were separated and he was responsible for making the payments since he did have possession of the auto. I was informed at one point that the loan was behind and when I spoke directly to their customer service department I was told that out of 40 months XXXX payment were late. I was also informed that the loan was refinanced to lower the payments and that I was still responsible. I did not sign any paperwork for any type of changes to the initial loan. I did not receive notice nor copies of the paperwork and it is still reporting on my credit report. I am sending a copy of the letter that was mailed to Navy Federal Credit Union requesting documentation of the account changes showing I am responsible. This was mailed XXXX XXXX XXXX. They questioned them in XXXX all they would state was that it was done legally. I want this removed off my report, I did not receive anything from them after requesting information and I did not sign any type of modification paperwork. I have disputed with the XXXX major credit reporting agencies and I 'm unclear how they are able to validate anything if I can not even get a copy of the paperwork that pertains to this just how are they? I want this removed.
Product: Bank account or service

I recently was informed by U.S. BANK that they had put me on XXXX in XXXX 2013 for Automatic Teller Machine Abuse. I owe U.S. Bank no money or repayment of any kind, however they refuse to give me any documentation confirming this. 
I am a XXXX, XXXX, on permanent XXXX, and suffer from XXXX. In XXXX of XXXX I inadvertenty put a non-cashable item into their ATM. The very next morning I was at same branch and apologized and rectified my error. And for this oversight on my part they place me on XXXX for XXXX years?! That 's quite severe for an error in judgement, for which no monetary debt is owed to U.S. Bank. 

Please investigate this incident. I 'm requesting that I please be removed from XXXXRespectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score is XXXX points below all other companies that provide credit scores, my student loans are up to date and Experian says they are months behind.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX APPLE CARD - GS BANK USA XXXX XXXX  Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic person information. '' Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''
Product: Credit reporting or other personal consumer reports

My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.I 'm a victim of identity Theft. 

XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$1600.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$270.00}
Product: Vehicle loan or lease

I requested a payoff as I thought the car had been paid in full but due to move maybe the lien release card got lost in mail. payoff came and shows a balance of {$7700.00} which was more than the letter I had received back in XX/XX/XXXX/XX/XX/XXXX which stated balance was {$6900.00}. I had worked with the company before was told that was balance and no interest would be due. not sure I how I went from owing {$6900.00} to now {$7700.00} especially when i had made payments. I could see if I was of {$1000.00} or so but showing I owed more than originally stated in letter is unacceptable. they then called to see if it was going to be paid off as I had thought of refinancing which of course I can do when the balance is wrong. they are now contacting family members
Product: Credit reporting, credit repair services, or other personal consumer reports

This is inaccurate! I see a lot of missing information on this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX Subject : Formal Dispute Regarding Inaccurate Information On My Credit Report I am writing to formally Dispute Inaccurate Information On My Credit Report that I believe is harming my financial well-being. I am aware of my right under the fair Credit reporting act and request a thorough investigation into these inaccuracies, As required by federal law. 
Recently, The consumer financial protection bureau filed a lawsuit against experian for its failure to properly investigate consumer disputes, Citing " Sham Investigations '' and other unlawful practices. These practices as outlined by the CFPB, include : Conducting inadequate Investigations that fail to address consumer disputes properly. 
Reinserting previously disputes and Inaccurate Information without explanation, Failing to notify consumers about investigation results effectively, These allegations highlight systematic issues that directly undermine consumer protections and perpetuate inclusions of Inaccurate Information On credit reports. I am deeply concerned that my Dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

I attended a nightlcub in 2019 where my purse was stolen. A police report was filed with onsite officers. I recently obtained a copy of my credit report and noticed accounts that I have no affiliation with or any knowledge of. I contacted XXXX, Transunion, and XXXX and advised them of the XXXX  incident and the fact that accounts that are not mine are reporting to my account. I also mailed in this information XXXX and XXXX and have not received a formal response. 

Reporting information to my profile without my written consent is in violation of XXXX XXXX XXXX I researched this accounts thoroughly and they are not mine. Reporting accounts in direct result of identity theft is also in violation of XXXX XXXX XXXX XXXX I noticed someone attempting to gain more line of credit in my name because they are credit inquiries listed. I asked that the unverifiable addresses where I never resided also be removed from my profile to prevent any further identity fraud. I still have not received a response.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit file. A detailed list of these items is attached for your reference. 

As a victim of identity theft, I have discovered multiple unauthorized accounts and inquiries on my credit report that I did not initiate. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported this identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are behind on our mortgage payments and are working with a lawyer. SLS ( Specialized Loan Servicing ) keeps calling my XXXX year old mother and is upsetting her. They ask her for my phone number and keep calling her
Product: Student loan

I have tried to reach out to Student Credit Union Connect on this number XXXX, but I am unable to get a response or leave a message. My account with the credit union has been discharged, but the money that I have paid on the original balance has not been reimbursed to me. I don't have any of my receipts, however my original balance totalled more than {$8000.00} and at the time of which the account was closed, I owed a little more than {$6000.00}.
Product: Credit reporting or other personal consumer reports

FILE TRACKING # XXXX # XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Product: Mortgage

I got XXXX and was off work for a couple of months and we got behind on the mortgage so I wanted to do a modification and went through the process we sent in all our information and waited on their response. Finally we got a letter in the mail informing us that our mortgage payment has went up over XXXX dollars a month for the rest of the loan. Our payment went from XXXX to XXXX for the remainder of the loan. We were told to pay the new monthly payment or they will take home. After talking to many different people asking why our mortgage has went up someone finally told me that after looking at our finances they determined that we could afford the make the higher payment and if we could n't we would have to do a short sale or get our home taken. This is the WORST mortgage company in America!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered that Equifax has added accounts to my consumer report that are a result of an alleged identity theft. These accounts contain details that have no connection to any of my transactions, and I did not gain any benefits from them. To tackle this issue, I sent Equifax a written correspondence that provided evidence of my identity, an identity theft report, identification of the inaccurate information, and a statement, as required by law. According to the law, Equifax is obliged to block and remove the accounts within four business days from the date they received my notice.
Product: Credit reporting or other personal consumer reports

Good morning, I have many queries on my XXXX credit report from requests with different banks that I do not know and I want to report it as if my identity is being stolen and I want my reports to be deleted. I call the companies and I do not receive any confirmation that they will delete the queries and this is affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting companies have found a way to charge customers for the free reports. You can get the report, but for score, you pay {$10.00}. 

The give you the report for free, but hold the score. You pay for the score. I paid {$10.00} for TransUnion score. 

As I have freeze on my credit report, I generate it myself and give it to the lenders. 

The lenders want score to make any decision. I am getting forced to pay the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act U.S Bankruptcy Court reference # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX, XXXX account XXXX XXXX and XXXX XXXX XXXX account XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A state 's 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: Debt collection

Dear CFPB Representative, I am writing to file a formal complaint against Sunrise Credit Services and XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The details of my complaint are as follows : Background Information : Account/Reference Number : XXXX Date of Initial Debt Validation Request : XX/XX/2024 Date of Follow-Up Communication : XX/XX/2024 Entities Involved : Sunrise Credit Services, XXXX XXXX XXXX of XXXX XXXX XXXX XX/XX/2024, I sent a formal request for debt validation to Sunrise Credit Services regarding the above-referenced account, in compliance with FDCPA, 15 U.S.C. 1692g ( b ). This statute requires that debt collectors provide debt validation within 30 days of the request and cease collection activities until such validation is provided. Sunrise Credit Services failed to respond within this legally mandated timeframe. 

Following this, on XX/XX/2024, I sent another communication to both Sunrise Credit Services and XXXX XXXX, emphasizing their non-compliance and demanding corrective action. Despite my clear and repeated requests, both companies failed to provide the necessary debt validation. This constitutes a clear violation of FDCPA, 15 U.S.C. 1692g ( b ). 

Additionally, both Sunrise Credit Services and XXXX XXXX have continued to report erroneous information on my credit report, which is a violation of the FCRA. Specifically, 15 U.S.C. 1681i requires credit bureaus to investigate disputed information, and 15 U.S.C. 1681b limits the purposes for which consumer information can be obtained. Their failure to validate the debt and their continued reporting of inaccurate information demonstrate a willful disregard for these statutes. 

XXXX Search Results : I conducted a XXXX search with the State Secretary of Florida, which revealed XXXX debts recorded under my name. This search, authorized under the XXXX XXXX XXXX XXXX XXXX  ), further confirms that the debt in question is not valid and that both companies have likely obtained my personal information illegally. 

Violations : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( b ) : Failure to provide debt validation within 30 days.

15 U.S.C. 1692e : False or misleading representations.

15 U.S.C. 1692f : Unfair practices.

Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b : Improper access to consumer information.

15 U.S.C. 1681i : Failure to investigate disputed information.

15 U.S.C. 1681c : Inaccurate information in consumer reports.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1681o : Civil liability for negligent noncompliance.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am XXXX XXXX and I was a victim of fraud through some data breaches and tenants at a old address I used to live at. I am receive threats from a MidlandCredit.com and because I have never applied for a anything with I am not sure what they want they refuse to tell me anything without confirming my identity and I am so secure with my identification now I am not sure how to resolve this matter I never had or applied for anything without confirming this company.