23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN- XXXX DOB - XX/XX/XXXX Email- XXXX Inquiries need to be deleted 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

My identity was stolen. XXXX and XXXX immediately allowed me to place a credit freeze on my credit reports. Equifax refused to put an immediate credit freeze on my credit report. They said I would have to wait several weeks to get this done. This is ridiculous as it allows the identity thief to continue to open accounts under my name ( via Equifax only ). Consumers should always be able immediately to freeze their accounts when requested.
Product: Student loan

On Tuesday  XXXX   XXXX ,  2017 , I phone  d Nelnet, my federal student loan provider, to get information regarding a loan forgiveness program. I expected to speak to any number of their loan counselors after providing my birthdate and last 4 digits of my SS # as I have done countless times before. Not this time. The first question was " are you interested in a loan forgiveness program? '' That struck me as strange but I pressed 1 anyway. I was asked a few simple questions. What was the total of my debt. Am I current or in default with payments. I was then transferred to someone else who could verify if I qualified for the forgiveness program. Of course I qualified with a three month application fee of over {$190.00} over a course of three months.
The issue I have with this is that I called a federal loan provider, Nelnet   by the number they have listed on their billing sheet  XXXX . Unacceptable.
Product: Credit card or prepaid card

Chase checking card started taking disputes replenishing the money waiting until the account was even then stating I had a negative balance which I did not. In fact the customer service representative realized what I was saying was accurate and went to speak to her superiors who stated the account would be closed. Okay why there was direct deposit coming in then literally a month later Chase credit card closed my account. I ask why what is going on? no one states anything. I filed a police report for unrecognized transactions earlier in the year for fradulent behavior. I asked to speak to someone who is in charge and they said there is no further information they can gibe. I have no idea what is going on but it is my belief their is a representative that works at Chase who is doing things to my account, mostly because it is way too often within an3 year time frame where a disgruntled employee had access to my chase account number. I went as far as changing the account number and its still happening. Chase has closed my account twice now for no reason affecting my credit as I have had this chase credit card for 6 to 7 years and I dont deserve it.
Product: Mortgage

I am pleading with you to please help me with my lienholder, Pennymac. About 8 months ago, we had to stop making payments due to financial hardship. We are a family that goes above and beyond for each other. We've had XXXX if not XXXX of our kids live with us during our duration of owning the home. Back in XX/XX/XXXX my wife had to have XXXX and that put our income down to one. Then in XX/XX/XXXX/XX/XX/XXXX my wife started experiencing XXXX  and XXXX XXXX XXXX XXXX which made her part time job even more part time. In XX/XX/XXXX, my wife had to have XXXX XXXX due to a XXXX XXXX XXXX XXXX XXXX. There was very XXXX  XXXX XXXX  going down her XXXX. Due to that XXXX she has not been able to return to work due to XXXX XXXX XXXX XXXX XXXX XXXX. Finding a job that she can do has been difficult for her. We did get a modification during XX/XX/XXXX and things were going ok until our property taxes went up so much that it raised our payment by XXXX. There fore making our payment higher than the original payment. While trying to help our kids during this time as well, I changed my withholdings and forgot to change them back. Which resulted in the IRS putting my withholdings at XXXX and freezing it so i can't change it. This has really put us in a position of having to figure out what to pay and not pay. We knew months ago that we would not be able to get caught up so we decided to put the house on the market for XXXX without doing any kind of short sale. For we had no intentions of a short sell at all. We finally got an offer, but due to repairs that need to be done on the house, the buyer backed out. We could not afford to fix the repairs. During the time that this all this is going on, my wife 's nephew and girlfriend left there son here and have not returned. We are now taking care of him and trying to figure out how to keep all the bills paid. On XXXX XXXX my wife was in a car accident and is going through all kinds of XXXX and doctors appt, so for her to look for work is out of the question at this time. This is a real financial hardship for us.
Product: Debt collection

15 U.S. code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency Equifax refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to Equifax on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, equifax, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. Equifax has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how equifax is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can equifax explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and equifax is doing the complete opposite. I have attached a 3 credit bureau report which clearly shows that experian, equifax, and transuion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these accounts, incorrect personal information, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to equifax but have yet to receive a response. Please find attached : 1. Letter sent to equifax 2. proof of identification XXXX. US Dept of Justice complaint XXXX. Federal Trade Commission Identity theft complaint XXXX copy of XXXX bureau credit report displaying inaccurate reporting of information by all XXXX major credit bureaus
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions, Equifax consistently responds withing 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act, 15 usc. 1681i which mandates a reasonable investigation of disputes. Furthermore equifax actions may also contravene the consumer financial protection act, 12 usc. 5536 ( a ) ( 1 ) ( a-b ), as highlighted in the cfpbs recent administrative proceeding file no XXXX ) against them for similar violations. i request that the cfpb take action to ensure equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

In XXXX, I was contacted by Portfolio Recovery ( PRA ) regarding an alleged debt to XXXX XXXX XXXX in the amount of {$270.00}. XXXX XXXX XXXX ceased to exist in XXXX. I have no knowledge or information sufficient to render an opinion on the validity of this allegation. However, to the best of my recollection I have not entered into a contractual relationship with XXXX XXXX XXXX  Indeed, since filing bankruptcy in XXXX, I have not sought or obtained any credit cards until within the last year, and only a secured CC. 

I have contacted Portfolio Recovery several times to dispute this debt. No validation of the debt has been forthcoming. Demands to remove negative marks from credit reporting agencies have been ignored. 

XXXX No proof of the debt has been established by PRA XXXX No contract between myself and XXXX XXXX XXXX or between myself and PRA, exists XXXX Portfolio Recovery states the account age as 1 year, XXXX months ; XXXX XXXX XXXX has been defunct since XXXX XXXX The entry at XXXX shows a reporting date of XX/XX/XXXX, not XXXX XXXX For the above reasons, PRA is in violation of Federal law Portfolio Recovery lacks legal standing for their claim. Their actions also conform to the doctrine of volenti non fit injuria, further invalidating their claim. 

Portfolio Recovery must remove negative entries at all credit reporting agencies. This incident has caused an as yet undetermined level of financial harm.
Product: Mortgage

After our previous complaint with escrow we paid our property taxes in full and submitted payment confirmation to freedome mortgage and again requested escrow be canceled. 
They have now paid our taxes and sent our escrow negative AGAIN and are stating we owe the negative balance. 

Confirmation of payment was submitted via email to XXXX XXXX, XXXX on XX/XX/XXXX and uploaded to the message center I received confirmation that these documents were sent to tax documents
Product: Vehicle loan or lease

I had been behind on my car payment. I lost XXXX of my jobs during COVID. I was trying to catch up and just got another job. I was out of town and CarMax had my car repossessed. I was left stranded out of town. I had no prior warning that they were going to repossess my car. I have tried to ask them to change my payment due date but they never would.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the practices and adherence to regulations and laws by the credit reporting agencies. Upon reviewing my credit reports, I have identified several alarming issues that require your immediate attention and clarification. 

First and foremost, I was under the impression that transactions and remarks should not be reported on credit reports. However, I have noticed that my reports include numerous transactions and remarks. This is contrary to my understanding of the reporting guidelines and raises concerns about the accuracy and appropriateness of the information being reported. 

Secondly, I believe that credit reporting agencies have a responsibility to be fair, impartial, and to respect consumers ' rights to privacy. Despite this, I have found that my personal information, such as my employer and phone number, is accessible to other companies and used for promotional inquiries. This widespread availability of my personal information is deeply concerning and appears to violate my privacy rights. 

Additionally, I was under the impression that my credit report should be managed in accordance with my written instructions. However, when I requested the removal of certain personal information and transactions, I was advised that it could not be done. This response is perplexing and seems to contradict the principle that consumers should have control over their own information. 

Furthermore, I have never received a comprehensive report detailing the procedures and findings of investigations following my disputes. It is my understanding that the outcomes of such investigations should be disclosed to consumers, ensuring transparency and accountability. The lack of detailed information about how disputes are handled and resolved undermines my confidence in the accuracy and fairness of the process. 

I find it hard to believe that an investigation can be deemed complete and the report updated without providing evidence and proof of the actions taken. Such a practice does not seem sufficient to substantiate the accuracy of the information being reported, especially in light of the allegations I have brought forth. 

In light of these concerns, I kindly request a thorough review of my credit reports and an explanation of the following : Why are transactions and remarks being reported on my credit reports? 
How is my personal information being protected and why is it accessible for promotional inquiries? 
Why are my requests for the removal of certain information being denied? 
Why am I not receiving detailed reports on the investigations following my disputes? 
I trust that you will address these concerns promptly and ensure that your practices are in full compliance with the relevant regulations and laws. I look forward to your prompt response and resolution of these issues.
Product: Vehicle loan or lease

I paid off a loan on a XXXX XXXX truck with the Navy Federal Credit Union, on XX/XX/XXXX. The payoff balance was {$1300.00} and was paid via debit, while on the phone with a NFCU customer service representative. The problem is that internal departments of NFCU do not interact or communicate the changing status of any one account, in a timely manner. This lack of internal coordination that was admitted to me by an NFCU employee, while on the phone, caused the NFCU to take an additional {$480.00} from my checking account. One internal department of NFCU should have notified the other that the loan was paid in full, closed the account and ceased any scheduled, monthly automatic withdrawals. When I contacted the NFCU regarding the issue of their receiving an additional {$480.00}, I was told that I needed a memorandum from my bank manager clearly stating the source of the additional {$480.00}. I felt this was a ridiculous request as the NFCU had established the automatic draft in the monthly sum of {$480.00} while on the phone with me, in the first place. As of yet, the NFCU has refused to return the additional amount of {$480.00} that was withdrawn from my checking account on XXXX XXXX. Lastly, I have heard absolutely nothing as to when I will receive the title for the vehicle. I have a perfect payment history with the NFCU, with XXXX perfectly maintained accounts when this incident occurred. I am an honorably retired, XXXX XXXX percent XXXX, former XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, with a XXXX XXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and as a XXXX XXXX in XXXX XXXX. As my health may be unpredictable at times, this error in the handling of my money, by the NFCU could result in a financial hardship on me. I am requesting your assistance in the timely resolution of this matter. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$21000.00}, and XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I gave proper notification to the apartment complex manager that I would be vacating the premises and I paid the last month rent directly to the apartment complex manager with a money order for {$1800.00}. There was no damage and the apartment was left in excellent condition. I was never notified by the apartment complex that there were any outstanding charges due and I was not aware that this account had gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus as well as the apartment complex to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus to have hard inquiries removed that I when I did not authorized and XXXX remove all unauthorized hard inquiries / investigation but TransUnion and XXXX did not remove the same inquiries that XXXX removed that we're all fraudulent I've been working on this for the last 5 to 6 months prior to that the last few years and all of the hard inquiries were for car lots that someone found an old state identification card that I lost try to obtain a car loan and also receives over {$6000.00} and cellular service from XXXX and XXXX. They are not removing these inquiries. I was told that I have to write a single letter for each inquiry instead of one letter with all of the inquiries on it. I have also informed all the credit reporting agencies of various addresses and various last name on my credit report that do not pertain to me I've asked them to be removed and to my knowledge the only reporting agency that removed the addresses is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic.

The inquiry in question was apparently made by XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I contacted XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.

Thanks for your prompt attention to this matter,