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

On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and XXXX has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the XXXX XXXX  of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties.

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute and demand the immediate removal of an inaccurately reported account from my credit report. The account in question is with XXXX XXXX, which has erroneously recorded my name, indicating a mix-up of my information with someone else 's and declared as repossession. Upon scrutinizing my credit report, I discovered that XXXX XXXX has listed an account that does not belong to me. This is a clear case of mistaken identity, as the account is associated with another individual who shares a similar name. This error has led to the incorrect reporting of information on my credit report stating that the account is repossessed, adversely affecting my credit standing. 


XXXX XXXX XXXX
Product: Mortgage

This complaint is against Discover Home XXXX Loans. Application # XXXX. In presenting Discover Home Loans with evidence that this was a fraudulent inquiry brought on my my Identity Theft issues Discover Home XXXX  loans agreed that this application was fraudulently submitted in my name. XXXX was notified. Ample time has passed and this fraudulent inquiry remains on my Credit File. This fraudulent inquiry has had plenty of time to be removed from my Credit File, but it remains. I also am requesting the complete Credit File within 30 days as allowed by FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed the proper FTC affidavit and police report. I sent a letter with both attached to it to Comenity Bank. They apparently verified the information as accurate despite the clear evidence that I submitted. This is a huge violation of my rights. PLEASE HELP ME!
Product: Debt collection

Both XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ) were claiming to own the debt in the amount of XXXX. 

TrueAccord ( XXXX ) has been trying to contact me and verified they were the debt holders so on XX/XX/2021 I paid the amount in full and they verified this debt has been paid. 

I tried to dispute the debt with trident asset management and they are claiming its still owed and refuses to remove their claim on my collections account
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX  XXXX Account number : XXXX Balance : {$380.00} XXXX XXXX XXXX Account number : XXXX Balance : {$3200.00} ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX  ) Account number : XXXX Balance : {$3200.00}
Product: Debt or credit management

I am filing a formal complaint against Systems & Services Technologies ( SST ) regarding their handling of my loan, which they acquired from XXXX. I believe SST has participated in unlawful practices, including unauthorized transactions, excessive contact, and refusal to provide proper documentation. 
Issues with SST : 1. Increased APR & Payment Amount Without Explanation : My loan was transferred from XXXX to SST, and they increased my APR from XXXX XXXX XXXX XXXX XXXX without justification. My monthly payment amount was also increased beyond what was originally agreed upon. 
2. Excessive & Harassing Contact : SST has contacted me far more frequently than allowed by law.They have refused to communicate via email, seemingly to avoid providing a written record. 
3. Refusal to Provide Assistance or Documentation : SST has not allowed me to speak with a manager or be transferred to the representative who left me a voicemail. They have refused to provide proof of being licensed to operate in XXXXWhen I requested proof that a disputed payment was not received, they failed to provide any documentation. 
4. Unauthorized Withdrawal Leading to Overdraft : On XX/XX/year>, I submitted a minimum payment via SSTs online portal. 
Instead of deducting the minimum payment, XXXX withdrew my entire outstanding loan balance, overdrafting my bank account by approximately {$10000.00}. 
When I contacted SST, I was told there was nothing they could do because my account was closed.I had to work with my bank to dispute the charge and recover the funds. 
SST has not provided proof that they did not receive these funds, yet they continue to demand payments from me.
Product: Debt collection

I have asked in the past to not be contacted by this company via telephone. They call at least XXXX times per day. I sometimes receive calls from other numbers that are either someone 's personal number or from a different location. They have also called my mother numerous times, even though I do not have any other contact information listed. They call my mother multiple times a day, asking her personal questions about me such a my date of birth, address, etc. They even told my mother that they called me XXXX times. They even disclosed the amount that I owed to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice from from my Experian credit file 2 inquiries that I don't recognize, I did contact them in writing but, nothing has been done. Those inquiries are from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by
Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting

I 'm filling a complaint because Equifax has ignored my request to provide me with the documentation that their company has on file that was used to verify the accounts and failed to show proof of original signed contracts. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have questioned. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquiries showing on credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am behind on paying the loan, and take full responsibility. However, I am getting into trouble at work due to this company contacting my employer.
Product: Credit reporting or other personal consumer reports

regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX 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: Mortgage

I attempted to get a home loan with Homeside Financial. a  company located in XXXX, Ohio. In process of credit background checking this company Hard Checked my credit XXXX times. All individual hard credit checks. and destroyed my credit forcing me to get an FHA loan from another company.
Product: Money transfer, virtual currency, or money service

Mltiple times money was sent and allegedly received through Zelle via XXXX XXXX XXXX app. There were several times that I or the receiver did not get the funds.
Product: Credit reporting or other personal consumer reports

There is a fraud account reporting from XXXX XXXX XXXX XXXX Acct no. ( XXXX ). This not my account. This is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I stated that this is not my account and no one responds back to me from the credit reporting agency
Product: Credit card or prepaid card

I missed my payment due on XXXX, which I always pay in full. They e-mailed me, but it got dumped in spam, they never called, texted, or notified me through the app. As soon as I realized the mistake I immediately made the payment on XXXX. Before and continuing after I kept getting notifications from companies that were auto-paying from this card that the card was being declined. I called the bank, they told me the only way to allow me to use my card immediately ( before the missed full payment had cleared ) was to allow them to call my other bank with me on the phone to verify the funds. I was very disturbed by this process, since I did not think that was any of their business. Eventually I allowed them to speak to my other bank to get the card opened. I am upset that there seems to be no method to talk to anyone higher at this bank. There is no customer service number I can call other than the number I spoke to. I tried to raise the issue with them on XXXX, they stopped responding to my requests. They were very unwilling and treated me like I was a criminal and couldn't use my card. I know this isn't very helpful from the CFPB side, but I've also been a customer with them for 18 years and always paid my balance in full each month ( albeit occasionally a few days behind ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I am filing this complaint on behalf of myself. there is no third party involved. I am filing this complaint about false reporting misleading information being on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This account is showing inaccurately on my credit report
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accou
nts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Student loan

My daughter took out private loans from Navient XXXX. After struggling to pay even the principal, her loans ( XXXX ) add up to over XXXX with the interest to date. My daughter has filed bankruptcy 2 times but still the interest rate accumulated is a staggering amount. I am consignor of XXXX of the original loans amount of approx XXXX XXXXXXXX, now is up over XXXX XXXXXXXX! She is unable to pay so they are coming after me. XXXX XXXX XXXX XXXX and live on social security. Please advise on how and what I can do. This type of loan pirates should be illegal. My daughter will never be able to buy a house, car in her life time because of this. Im saddened to know that I helped her accumulate these loans. I didnt know the difference between private and government loans. I have failed in my attempt to help my daughter to success.
Product: Money transfer, virtual currency, or money service

THe paypal platform didnt authorized me, to withdraw my money to the bank account arguing that they dont have my address which I have provided 20 times, nevertheless they want to keep my money illegally, and blocked me for 3 months to avoid the transaction by my side
Product: Credit card or prepaid card

I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe $XXXX. How I could owe $XXXX when I never received the card in the mail.
Product: Credit reporting or other personal consumer reports

I have requested my reports from LexisNexis on multiple occasions especially my CLUE report and background reports. I have submitted my identification information and I have received letters claiming my requests are unable to be processed because the information I submitted was illegible or my identification was not submitted.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

USAA has sent me a check due to overpayment of escrow on my mortgage loan. I deposited the USAA check for XXXX and the check bounced/was an insufficient check and my bank charged me a fee of {$22.00} and now USAA has resent me a check for the {$21.00} but not the bounced check fee of {$22.00}. Please contact me concerning this transaction and refund my USAA account with the XXXX for the bounced check fee. I have attached a copy of the reissued check but USAA has not refunded my bounced check fee of {$22.00}. I notified USAA that I will be responding to the CFPB Consumer Financial Protection Bureau on this action immediately. Thank you. 


XXXX XXXX
Product: Mortgage

Wells Fargo will not credit my bi-weekly payments until they received the ( 2nd ) full monthly payment amount, thereby charging me interest on money they hold in limbo during the two-week period until my next payment is made.
Product: Vehicle loan or lease

I got a lease through Santander Bank for my newXX/XX/XXXX The dealer told me I was approved for my lease and I received myXX/XX/XXXX I had a cosigner. Santander reaches out to me and accuses me of a straw purchase. First they say my co signer drives the car as well which makes it a straw purchase. I told them their lying, my co signer does not drive the car and specifically told the rep that he does not drive the car during his interview with Santander. When I told them that, they switched to its a straw purchase because my co-signer does not have the same address as me. There is no regulations saying that my co signer needs to have the same address as me.
Product: Checking or savings account

Chase bank closed my account on XXXX I received a cashiers check in the amount of {$2300.00}. The check says it is void after 1 year on XXXX. I misplaced the check and was unable to cash it and forgot about it. I recently found the check with me. So I called chase bank XXXX on XXXX to see if they would be able to reissue the check. The CSR spoke with the supervisor and told me that the check has gone stale and the money is gone. Also I was told nothing could be done and the money is gone. I can not believe that the bank could just take the money for forgetting to cash my own check. I am having problems with money right now. Can someone please help me get my own money from the bank please.
Product: Credit reporting

We are trying to refinance our house. 
Background : In XX/XX/XXXX my wife was laid off from her job. We tried to refinance our mortgage but could not as my wife was out of a job. We tried to get a loan modification from our mortgage holder, XXXX, for hardship as my wife was laid off and my son had to have XXXX at that time. After they had us go through the motions collecting all our data they said they could not modify the loan as it was a bundled loan they purchased and the investors would not allow it. The mortgage was originally with XXXX. After I sent letters to our congressman, XXXX agreed to temporarily lower the mortgage payments. After my wife got a new job, we tried again to refinance and instead XXXX said since she was back to work we had to pay back the difference of what we would have paid and what they lowered our payment within three weeks or they would foreclose on us. This was $ XXXX! We ended up taking the money out of our XXXX retirement account so they would not foreclose on us and again they said they could not refinance the loan. We could not go to another lender as the price of the house had dropped by about 50 %. 

We now are again trying to refinance after cleaning up our credit and house value finally coming back. Our credit union said my credit is still damaged because of a {$12000.00} Federal Tax lien from XX/XX/XXXX which was paid off in XXXX. We are trying to get Equifax to remove it from my credit report as it was paid off in XX/XX/XXXX.