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

This account was opened under my name without consent while I have been incarcerated in the bureau of prisons. This account can not be mine as I am incarcerated & have been since XXXX XXXX XXXX
Product: Debt collection

XXXX hired XXXX XXXX XXXX of Mitchel Rubinstein and Associates to collect a debt. We had an agreement post judgement. I paid the debt and now he is asking for money for his cost. I have asked for a itemized list, notice of his cost, which he can not provide. Second, we had a agreement and he has not given notice of satisfaction for the debt being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$820.00} XXXX  XXXX {$410.00} XXXX XXXX {$1200.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$300.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$450.00} XXXX XXXX {$820.00} XXXX XXXX {$720.00} XXXX XXXX {$890.00} XXXX XXXX XXXX {$600.00} XXXX XXXX {$450.00} XXXX   XXXX {$750.00} XXXX XXXX XXXX {$67.00} XXXX   XXXX {$300.00} XXXX XXXX {$300.00} DPT TREASURY XXXX {$56.00}
Product: Mortgage

I have had a mortgage refinancing with M & T bank since 2012, FHA streamline mortgage. 
This bank has consistently increased my mortgage payments despite the fact I paid escrow shortage every time. They are essentially committing fraud and preventing me from paying off my mortgage sooner by increasing the amount per month annually despite the escrow shortage being paid. 
I have asked them to resolve this issue to no avail and even asked to pay escrow separate and they refused because they will lose out on the interest. 

I have lost a lot of money with this banks business practices and need them to be investigated.
Product: Mortgage

I secured a mortgage with Truist Bank that was signed in XX/XX/XXXX. The first payment was to begin in XX/XX/XXXX in the amount of {$9100.00}. I had consistently made the monthly payment for 13 months. The payments were made automatically ( auto-pay ) as arranged with the bank. 

In XX/XX/XXXX, the monthly payment increased from {$9100.00} to {$12000.00}. I was not adequately notified of the significant payment increase, and since my account was set up as auto-pay with the bank, the payment for XXXX XXXX was not processed. I received no phone calls, emails, or mails concerning this. Any mail sent should have been at least been a certified mail since this is significant financial information. 

Truist bank reported me to all three credit bureaus for late payment and my near perfect credit score plummeted. 

I had called Truist Bank to resolve this issue, but they insisted it was my fault. Now, I'm left with a blemish on my report that can significantly affect my future financial dealings. 

Looking at my perfect payment history, I would like the late payment error for XX/XX/XXXX removed from my credit reports.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company claimed to be Recovery One on behalf of XXXX XXXX XXXX. They said their phone number was XXXX and their address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I never owed this debt and it was paid by myself and my insurance at service. I have talked to both corporate and local to ensure nothing is owed.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute inaccurate information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, credit reporting agencies and furnishers of information are liable for failing to comply with the law. I request an immediate investigation and correction of the following erroneous item ( s ) : Disputed Item ( s ) : XXXX XXXX XXXX, XXXX, Error ; XXXX, Beginning numbers XXXX, ERROR ; XXXX XXXX XXXX, Beginning numbers XXXX ; XXXX XXXX XXXX, Beginning number XXXX ; and, there are several other negative marks that need to be removed. 

My account was locked through Experian and XXXX because of fraud. There are t According to the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of consumer credit reports. The inclusion of this inaccurate information is damaging and has caused harm to my financial standing. If this matter is not resolved within the legally mandated timeframe of 30 days, I may pursue further legal action, including seeking damages under 15 U.S.C. 1681o, which holds agencies liable for negligent noncompliance.

I expect a response in writing within the legally required timeframe. If you need further information, please contact me using the information provided above.

Sincerely, [ Your Name ]
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX Account XXXX XXXX Amount : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've recognized there are four addresses on my Experian report and profile of places where I have never lived before.

Under 18 U.S. Code 1028 Fraud and related activity in connection with identification documents, authentication features, and information is used and authorized without my authority.

15 U.S.C 1681b Anytime a creditor pulls a credit report they must have a permissible purpose.

18 U.S.C 1028 a Without permissible purpose from the consumer, that's aggravated identity theft. 

Fraudulent Addresses provided by Experian Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Under dispute Resident type Apartment complex
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Subject : Formal Complaint Against Experian for FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$0.00} Despite providing evidence that the charge off account is incorrect, Experian has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against Experian for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for Experian 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT THIS IS FOR TRANSUNION AND XXXX THE OTHER IS FOR THE CREDITOR! 

In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request validation of the debt in question from Source XXXX XXXX, as well as accurate and complete information regarding its origin and validity. It is noted that despite my previous correspondence, XXXX XXXX XXXX failed to provide the requested validation or adhere to the requisite XXXX mailing requirements. 

Furthermore, XXXX XXXX XXXX 's failure to furnish accurate information regarding disputing procedures and the omission of requested information are clear violations of FCRA regulations. Moreover, their disregard for the timelines stipulated by law and fair credit reporting practices is unacceptable. 

Additionally, TransUnion and XXXX 's inclusion of the disputed item on my credit report without proper verification constitutes a breach of their obligations under the FCRA. This failure to adhere to established procedures is concerning, especially considering the significant impact on my creditworthiness. 

It is imperative that XXXX XXXX XXXX, TransUnion, and XXXX rectify these discrepancies promptly and take appropriate measures to ensure compliance with FCRA regulations. Failure to do so may necessitate further action, including the escalation of this matter to regulatory authorities or legal recourse to safeguard my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen is reporting an inaccurate late on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/2022 The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

I took a car loan out for a used XXXX XXXX with Chase Auto in XXXX of XXXX. I have been paying {$470.00} per month for more than two years. I did miss one payment due to an issue with my bank direct deposit. I called them and rectified the issue and paid the month that had not been taken out with direct deposit and provided them with the correct information. They said they would make a note that the payment was made on time, but apparently that did not happen on their end. 

Recently I had a baby and have been out of work. I fell behind on my payments and was getting the money together to bring myself current. On XX/XX/XXXX they came to my house at night and repossessed my car. I am now unable to get to my baby 's doctor appointments or to a new job. I called them twice and said I would pay the past due amount immediately. They told me they would not work with me and that I had to pay the full {$20000.00} plus all the storage and other fees to the company that repossessed the car. I can not pay the full amount of the vehicle but I can bring everything current and pay the full monthly amount going forward.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a bank transfer that was not credited to the recipient 's account. Transaction Registration Number XXXX XXXX XXXX The amount is {$30000.00} The purpose of the transfer is to purchase a XXXX XXXX XXXX. 

The transfer is being checked at the correspondent Bank of the BANK of NEW YORK MELLON. 

As of XX/XX/XXXX, the money has not been delivered to the recipient I ask you to transfer money to the recipient 's bank
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my continued dissatisfaction and concern regarding the unresolved issue of fraudulent items in our records. Despite our previous attempts and numerous communications, it is disheartening to note that these fraudulent items persist. 

We have provided comprehensive documentation and evidence to support the removal of these fraudulent items, highlighting the detrimental impact they have on our operations and financial standing. Despite our efforts, there has been no tangible progress in removing these erroneous entries from our records. 

We urge you to escalate this matter and allocate the necessary resources to expedite the removal of fraudulent items from our records. Additionally, we request transparent communication regarding the steps being taken to address this issue and prevent its recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX : {$87.00} XXXX XXXX XXXX  Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00XXXX XXXX  XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$140.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

MercedesXXXX collected a final balloon payment on the last month of my lease for {$4000.00}, carried over from XXXX deferments. I was not aware of this, as i forgot and my auto pay deducted final payment causing my account to go negative. I was able to get a refund on the full payment and agreed to carry over the final payment and add on to the purchase of the car, which Mercedes agreed. Mercedes does not work with residents for the state of Washington in regards to funding car loans, so i was reaching out to local lenders. As i was shopping for a lender after my lease ended it pushed past 30 days of my final bill and I was not aware that i was still on able incur a 30 day late, as we had agreed to roll the final payment over. Mercedes reported this late to the bureau which is causing me to not get funding. Once they told me I was past 30 days I payed the the final {$4000.00} on the spot and asked them to remove the late as I was in the process of trying to purchase the car. They said it was too late on their end and so here i am writing you. I was never late on my lease payments for 35 months and on my final month after Mercedes told me i could fold the payment into the purchase, I was marked late for that exact payment. I have resolved this mercedez and they are payed current up to date and i paid them an additional {$3000.00} to extend my lease until XX/XX/XXXX as I work to get this removed from my report.
Product: Credit reporting

I have settled the tax lien with the state. I would like this negative report removed. My bankruptcy has been long discharged, I would like this negative report removed. Also I was laid off in 2012, in which I got behind on several of my accounts. Within a few months after that I gained employment and paid my debt, can that be removed from my report? Seeing I 've paid current accounts since then with none late. Thank you and have a great day.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name variations on my consumer report if it is it is incorrect and should be deleted immediately. My address is XXXX XXXX XXXX XXXX, IL XXXX any other address is not correct and causing me not to have my mail delivered in a timely fashion due to the numerous incorrect addresses on my report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

Citi mortgage drafted my account for two mortgage payments at once. They refused to reverse the transaction ... they refused to research the issusue ... XXXX ( XXXX ) talked over me and tried to hang up Several times without help .... they have giving me different info from different reps and the reps do n't follow through and they make it hard to get a refund.. to date I have received no refund of my XXXX dollars
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating XXXX XXXX  : XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Checking or savings account

On XX/XX/2021 the SBA sent a Bank Wire in the Amount of {$9000.00} to my personal checking account I have with Chime. It was rejected by Chime. I was told that it was rejected because of the name on the check. Upon further research, there were no errors in my name. I was emailed and told that it was rejected because Chime does not receive Business Loans to Personal checking accounts. 

I explained that in my state a sole proprietor/ Independent Contractor/Owner-Operator of a business is not required by law or the IRS to have business banking. That my First loan and advance was received without a problem. 
I have not been able to reach anyone at the SBA to update banking information. 
I feel marginalized and discriminated against by my bank. They have harmed my business and my mental and emotional state of mind. Preventing me to move forward.
Product: Credit reporting

Attached to this complaint is a letter from the Consumer Financial Protection Bureau ( CFPB ) in regards to the Consumer Financial Protection Bureau requesting for Equifax to delete the following accounts from my credit report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and MN Child Support Enforcement.