23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX This Above listed Accounts has violated my rights. 

THE CREDIT BUREAUS KEEP DISRESPECTING THE LAWS I SHOWED THEM MULTIPLES TIME OF HOW THEY ARE VIOLATING THE FAIR CREDIT REPORTING ACT. 

ACCORDING TO 15 USC 1681 i ( 5 ) the credit bureaus have to modify or delete account that are not reporting accurately. 

ACCORDING TO 15 USC 1681B ( 1 ) THE CREDIT BUREAUS DONT HAVE NO WRITTEN PERMISSION ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRVACY 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 causes to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of error 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. 

I can go on and on the credit bureaus have no respect for the laws. 

someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV {$890.00} MIN {$39.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX ( See status ), XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV {$750.00} MIN {$39.00} {$97.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX ( See status ), XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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
Product: Mortgage

WE have been contacting Novad Management Consulting XXXX XXXX XXXX XXXX XXXX ! XXXX XXXX XXXX Ok XXXX WE took a second mortgage on our home due to the deferred house payments due to Covid. 

We are refinancing and have been trying to get an official payoff from them for over 1 month. Our title company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX has submitted the request as per their instructions on 3 separate occasions. XXXX XXXX has been instructed to wait 5 business days for an answer. We have yet to get an answer, they have been on hold sometimes for 2 hours and then hung up upon. Our rate lock is expiring and we may end up with a higher interest because of Novad 's lack of cooperation. We are clear to close and just need this payoff from Novad to close the file and pay them off. 

Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been stealing money from me and my mother for at least the past XXXX years. He has filed my 2019 tax return, received fraudulent unemployment insurance funds in DC and Maryland under our names. Mostly he uses my XXXX account, which he made into a merchant account, to place charges against our accounts and receive funds which he then transfers into his own account. I have already filed complaints with the Federal Reserve Board and the IRS. I have also filed complaints with my local police departments in DC and Maryland, DC report number XXXX and XXXX XXXX XXXX report number XXXX. The target is XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX in XXXX. My mother 's phone number is XXXX. My email which I just had to create is XXXX. It used to be XXXX. I am a XXXX in MD and DC. He has infiltrated my attorney filing system accounts ( Maryland E-filing ). This man used to be a family friend and has known me since before I was born so he knows all of our personal information. He has stolen at least {$87000.00} from us. I am in still in the process of marshalling evidence. I have downloaded a lot of data but this man is able to infiltrate into my home computer and either rearrange and/or delete my evidence. I am able to include some however which I am uploading now. I hope to receive a report number so I may supplement this complaint later with additional evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.
Product: Credit card or prepaid card

In XXXX I called about a card. I gave information liked I am using the card for building houses. I will only be using the card for building houses and nothing else. After this I received a personal gold card. I then called Amex about this and was giving the run around until I finally went online and applied for the business cards myself. After the getting the cards I called about my buying power. Every time I was told there is no preset limit but yet when I want to spend XXXX for building materials. Then in XXXX I was told I had XXXX on XXXX XXXX  credit card and XXXX on XXXX XXXX XXXX XXXX. Today when I need to spend money on building materials and to my acknowledgement I no longer have the XXXX on XXXX XXXX and after multiple calls nothing can be changed,.
Product: Credit reporting or other personal consumer reports

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

There are unauthorized inquiries on my credit report that I did not authorize. Please remove these items as soon as possible. Here are the accounts that is reported on my credit report. 

CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised that there would be a soft pull for products with XXXX. I was also pre approved for a credit card. However I ended up with an inquiry. XXXX XXXX XX/XX/2022
Product: Debt collection

I have tried to remedy the issue that Credit Word caused as Credit Work indicated to me that XXXX could not remove a discharge debt from my report because of two social security numbers. In fact it was not two ssn 's but rather my deceased husbands DOB XX/XX/XXXX was on my report. Credit Word is notorious for reporting incorrect data so i am going to get this resolved through CEPB. Attached please find the bankruptcy discharge notification and a copy of the requested drivers license with my DOB, XX/XX/XXXX. I expect that the debt for XXXX placed by Credit World to be removed as all the requested documentation is included in the correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I contacted the Main Company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX California to run my credit with over 30 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX California XXXX XXXX, and he did apologize and admits this was done in error and they would all be removed, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquiries from my credit report that were all done on same day XX/XX/XXXX and XXXX, XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries from and demand they be removed. 
XXXX XXXX XXXXran XXXX  times XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ran 2 times XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to update my name and address correctly in Experian.com when tried didnt give me the option to update my correct name or address
Product: Debt collection

XXXX XXXX  and Monterey financial are reporting to my credit that there is amount owed. There is nothing owed by me to thirst companies and I have written emails from said companies stating it was to be removed months ago and has not. This is needs to be fixed ASAP
Product: Credit card or prepaid card

I lost my job in XXXX of 2021 and fell behind on my Synchrony Bank credit called. We called them to ask if there were any assistance thru the pandemic that I kept hearing about with the Federal Cares Act. They said they did and set us up on a plan that closed our account ( which weren't aware of at the time ) and to pay XXXX dollars a month which was the minimum monthly payment. Now we have gotten back on track financially again and we're looking to refinance the home and they have been issuing a rolling 30 60 and 90 day late on our account since XXXX of 2021 and we have been making the XXXX dollar minimum payment that they set up for us. I don't know how that is assisting us when all they did was continue to ruin our credit without us knowing or we would have paid it off in full a few months earlier. We found this out when we were about to pay off the debt in full and they refused to take these lates off of our credit report. We asked them if we pay it in full if they would take the lates off of our credit and they said no. I was under the impression that they were only reporting the XXXX dollar minimum payment to the bureaus from the conversation we had and from the letter that they provided us of the plan. It tells us that we will need to pay the past due balance but never says that they are going to report us as late. I continue to make and prioritize our payments which is what the CFPB states to do only to have a little synchrony bank/sleep number credit card ruin our credit over a XXXX dollar line of credit. I am a veteran of this country and once again the CFPB and the Government has left us out to dry. I can't refinance my home now because of this. Which would have saved us over XXXX dollars a month.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above. 
3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

On XX/XX/XXXX. XXXX, I mailed an affidavit to XXXX in regards to inquiries on my report. I recieved a letter claiming that my inquiries have been investigated and are valid. I spoke with XXXX different agents and requested that they send me the documents and report that proves an investigtion was completed. The agents claimed they are not obligated to do so. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the inquiries that you are reporting in my credit report. 

Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them.
Product: Mortgage

Amerisave is disfrauding customers. Their apy is not comparable. The loan disclosure revealed fraud. They are only accounting for 6 months property taxes compared to others which are using 12 months. This decreases their apy and allows them to defraud shoppers making it look like closing costs are lower. They then increase points giving them more money.
Product: Credit card or prepaid card

I HAVE COMPLAINED TO NORDSTROM ABOUT AN INQUIRY THAT I DID NOT MAKE ON XX/XX/XXXX. THEY ARE CLAIMING THAT THAT INQUIRY WAS WHEN I OPENED THAT ACCOUNT, WHICH IT WASNT, IT WAS THE INQUIRY ON XX/XX/XXXX WHEN THE ACCOUNT WAS OPENED. THAT SECOND INQUIRY ON XX/XX/XXXX WAS NOT AUTHORIZED BY ME AT ALL. EITHER THEY PULLED MY CREDIT WITHOUT MY PERMISSION OR IT WAS FRAUD, BUT IT WASNT ME BECAUSE THE ACCOUNT WAS IN BAD STANDINGS. I AM SENDING A COPY OF THE LETTER YOUR COMPANY SENT ME AS PROOF. BOTH INQUIRIES SHOW ON MY EXPERIAN FILE BUT ONLY THE ONE ON XX/XX/XXXX IS MINE. FROM CMPLAINT # XXXX-XXXX. NORD ACCOUNT ENDING IN XXXX.
Product: Debt collection

AFNI, INC. 
Amount {$4700.00} - it just popped on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my items reporting on my credit report
Product: Debt collection

I checked my credit report today XX/XX/XXXX because I got an alert from experience about a change shows IC systems for XXXX in the amount of XXXX. This account was open fraudulently. I was told account was open back in XXXX for a month when I called. I don't have have XXXX services. This account was open fraudulently
Product: Money transfer, virtual currency, or money service

PayPal took out money from my account without any notice. Here is the story. I sold my tennis racquet on XX/XX/2017 with the restriction of no return. However, the buyer requested for the return to XXXX and XXXX  gave a favor to the buy without any investigation of the case. I made a complaint to the XXXX and we finally agreed that I accepted the refund and gave a money back on XX/XX/XXXX. At that time, I had {$0.00} balance on my PayPal account, so I transferred the money from my bank account and refunded the money. 3 months after, PayPal, all of sudden, took the same money amount out of from my PayPal account. The invoice was not issued to me. No notice!!! I called the customer service, but they can not find the root cause of the issue. I had to spend hours to explain the situation such as providing transaction ids. But, they has not given my money back yet, and nI believe they are not able to find the root cause. This company is making unauthorized transaction without any consent from their customers! If the company can not track the financial transaction, the company needs to be closely reviewed their financial transaction platform to make sure so that they have a capable of providing a such service to the customer. My issue has not been resolved yet, and I hope CFPB to initiate the investigation so PayPal can address the issue better going forward.
Product: Mortgage

In XXXX of 2007 we purchased our house and after further review our house and garage has XXXX layers of shingles on them. Per XXXX NY, there 's only suppose to be XXXX layers of shingles at any time making the home inspection in violation of XXXX code. Our garage and house are in need of new roofs.
Product: Vehicle loan or lease

I paid off a Wells Fargo truck loan ( XX/XX/XXXX overnighted check by my credit union ) that included an extended warranty. They didn't process it until XX/XX/XXXX. I had canceled the warranty ( XX/XX/XXXX ) prior to payoff. The full refund for the warranty of XXXX  was sent to Wells Fargo because at the time I canceled, Wells Fargo held the loan as far as the dealership knew. Wells Fargo received the check XX/XX/XXXX which is after the loan was paid off per the XXXX tracking number. Wells Fargo is refusing to send me the refund until at least XX/XX/XXXX. 

I spoke to XXXX at Wells Fargo Auto at XXXX on XX/XX/XXXX and she told me they wouldn't cut me a check until XX/XX/XXXX because there was a 10 day hold on the check even though I know they received the check XX/XX/XXXX. I also spoke to XXXX at XXXX. I opened a complaint case with the XXXX XXXX per XXXX. Case XXXX. I was told a " case specialist '' would call me back Monday XX/XX/XXXX. Noone called or emailed. The case was supposed to be reviewed. I even provided the name of the woman who sent the check, both of her phone numbers and the date it was sent. I was told it was noted and thank you. 

I called Tuesday XX/XX/XXXX at XXXX and was told case specialist was on break & would call me back. I called again at XXXX & was told the case specialist XXXX was at lunch. I asked for a supervisor. Finally got to speak to the case specialist XXXX after 30 minutes. She told me I would not be paid until XX/XX/XXXX. I wanted to know why they held my money this long. In order to have this decision reviewed AGAIN I would have to open a new case to complain. I forwarded the email I received from the dealer showing the check amount, date sent, address, date received & who signed for it to : XXXX. I repeated the email address back to XXXX and she confirmed it. The email couldn't be delivered. 
Wells Fargo was late in paying off my loan even though my credit union paid it off PRIOR to my first payment to Wells Fargo. Now they will hold my refund for almost a month even though they've been paid for almost a month.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, XXXX # : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit Reporting Agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX At XXXX XXXX ( XXXX ) with a balance of {$5000.00} and XXXX XXXX XXXX ( XXXX ) with a balance of {$4600.00}. Also XXXX student loan accounts XXXX XXXX XXXX ( XXXX ) one with a balance of {$6200.00} and the other account balance of {$3600.00} on XX/XX/XXXX. Finally an auto loan account XXXX XXXX  ( XXXX ) on XX/XX/XXXX with a balance of {$15000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.