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

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible under specific circumstances, such as with my explicit authorization. As I did not authorize these hard inquiries, they are in violation of this statute.

I am requesting that you : Investigate : Conduct a thorough investigation into these unauthorized hard inquiries.

Remove : Delete these unauthorized hard inquiries from my credit report.

Confirm : Provide written confirmation that these inquiries have been removed.

Attached to this letter, I have included a copy of my identification and any other necessary documentation to verify my identity and support my dispute.

I appreciate your prompt attention to this matter. The presence of these unauthorized inquiries is negatively affecting my credit score and financial well-being. I look forward to your swift resolution of this issue.

Thank you for your cooperation.
Product: Debt collection

XXXX XXXX & XXXX ACCT # XXXX OPENED DATE : XX/XX/year> XXXX XXXXXXXX & XXXX ACCT # XXXX OPENED DATE : XX/XX/year> XXXX XXXXXXXX & XXXX ACCT # XXXX OPENED DATE : XX/XX/year> All results of identity theft all been deleted already came back as collections
Product: Credit reporting or other personal consumer reports

My credit report dated XX/XX/XXXX, at Equifax contains Inquiries that I never authorized, nor did I do business with these companies. The following inquiry was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Also, account # XXXX with XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS nor XXXX XXXXXXXX XXXX XXXX so that I can file my taxes accordingly. This XXXX account is reporting inaccurate adverse information. Also, US DEPT OF EDXXXX has XXXX XXXX ownership of account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX from XXXX XXXX, the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF EDXXXX is reporting information that does not coincide with the original contract. Account # XXXX is a duplicate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to unfreeze my credit with Equifax, and they required that I mail documents to them. After I did so, I did not received a reply of any kind, in writing or digitally, from them. My online " myEquifax '' account continues to be locked out, and my credit frozen. It has been over two months since the request was submitted, and they calling them on the phone has been less than helpful, as I have either been unable to get through, or the agent on the other end hasn't been able to resolve my issue. 

It is starting to feel like an obstructionist tactic to push people to sign up for paid credit locks, by making the process to unfreeze a credit account slow, frustrating, and cumbersome.
Product: Checking or savings account

Bank of America has sent me through pure XXXX they still missed transactions on my account which equaled out to XXXX the other day and its crazy that the cfpb is not inforcimg these problems they are giving customers as if you guys dont see it they missed transactions on my account now here I am with new claims from transactions from last year like is this real I need my money now as soon as possible I dont need this bull spit in my life why are you guys not making sure they are doing their jobs on our behalf this is crazy they are disrespectful as XXXX On the phone like XXXX I need answers and I want this situation fixed now Im pass upset Bank of America would do this and all u Guys do is let them Kno about the complaint and they still dont care I kno Im not the only person who feels like this the people need you guys to get on Bank of America for all of these mishaps in the mist of a panedemic this is ridiculous I dont want to wait 15 days for no XXXX response on 2 little claims someone fix this now please I have things I need to do as well hello Im a human being to I have to eat and live just like u can someone please be my guardian XXXX and help me fix this situation sooner then later I can never forget one claim was processed with a response within 2 days so I kno it can be done just please do it because Im trying to end a nightmare I wouldnt wish this on anyone especially during time like this please help
Product: Credit reporting or other personal consumer reports

Sent letter to company to validate debt on XX/XX/23. company reported to credit bureau account was accurate dis regarding laws. 
I am filing a complaint regarding the verification process of a debt, noting apparent violations of the Fair Credit Reporting Act ( FCRA ) Section 611 and Section 623, along with the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312. The verification of this debt seems to have disregarded FCRA regulations, and there have been clear violations in reporting inaccurate debt without proper verification as mandated by these sections. 
Under FCRA Section 611 ( 5 U.S.C 1681i ), I am entitled to a proper investigation into the accuracy of reported debts upon request, which, in this case, was not adequately fulfilled. Furthermore, FACTA Section 312 emphasizes the accuracy and integrity of information reported to credit bureaus, requiring diligent verification to prevent inaccurate reporting.

This failure to provide requested information and validate the debt raises significant concerns about compliance with FCRA guidelines. Non-compliance could result in misleading and unjust repercussions on my credit standing. 
I urgently request immediate action to rectify this matter. I will attach the original documents I provided for your review. According to FCRA Section 611 ( a ) ( 7 ) and FACTA Section 312, inaccurate information must be promptly corrected or removed from the credit report, and any debt found to have violated verification requirements should be dissolved.

I implore swift resolution in alignment with these FCRA and FACTA statutes to ensure fair and accurate credit reporting practices are followed. If you'`re unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by your company and/or any entity.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX ; Private SSN ), Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account from XXXX XXXX # XXXX {$7600.00} opened XXXX, XXXX XXXX XXXX # XXXX opened XXXX {$42000.00}... These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief. 
I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Credit reporting or other personal consumer reports

Im so fed up with this process! Please remove these accounts that are not mine. Not in 30 days, 45 day, or 60 days! 15 USC 1681 starters that any account that can not be verified or propelry investigated should be removed. The accounts numbers dont match and I can not get any information sent to me from aidvantage or retrieve results if these agencies investigations. They have been slow to move there feet on removing these items and honestly lying in my reports by saying that Ive even made payments on these loans and I have not done so. They are saying I made a payment in XX/XX/year> on one and I did not and have been fighting to get these removed not only through aidvantage but also trom the XXXX agencies that are refusing to listen to federal law in this matter .it looks like XXXX removed them but the others have continued to not only leave them in place but lie to make it seem like I am making payments and I am not doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or XXXX and/or TransUnion consumer report ( s ) : * High Balance * Date of Last Activity * Date Reported * Date Opened * Closed Date * Account Rating * Last Payment However, this inaccurate information is still being verified and reported by XXXX XXXX each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request all three XXXX XXXX accounts listed below be removed immediately from my credit report with XXXX, Transunion and XXXX. XXXX is in direct violation of my rights under FCRA. 

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

Transunion keeps showing things where a application for a car loan believe it was submitted and a few days later again, same company listed so my credit score is reduced for what should not be an issue as far as I am aware and had asked credit reporting company if they need to verify who I am to use things like being adopted from XXXX to XXXX as a small child, but instead of fixing my credit or sending in to verify myself my score dropped almost 10 points for no reason. I do not believe there should be car company allowed to have info some not by myself on car loans submitted let alone submitted twice it appears, what since would that make for anyone to do and get docked another 4 point since some of the dates seem 30 days older, hard when you can not talk to anyone, I did show them my home loan or HUD form showing I bought my house in XXXX and was paid off as well as two car loans one for XXXX XXXX new and XXXX XXXX. I also get issues for being added to my mom 's credit cards as a co signer as the cards were original setup by XXXX at XXXX XXXX address and another home we own outright. We had to put both houses in our own names because of homestead laws not allowing one to have two and if on all homes we be limited to one homestead vs each having our own, I attended and graduated from XXXX XXXX XXXX and XXXX XXXX also part of XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. I build computers and other things from home and as far as I know should have no problems on credit report when I ask why there seems to be a issue and credit score drops to know how to fix it never get a response that I can make since out of. Me and mom 's accounts have dropped closer to zeroing out and shared accounts because of past credit report mistakes and my accounting knowledge since they keep knocking me for help my mom and being on her account so I can help her since she is XXXX and limited on knowing how to work internet. As far as I know I owe nothing as far as anything not paid on time and did pay off my house in 7 years vs. the full 11 year loan both car loans were paid off early also, just confused why they keep lately taking points off my score since it did a while back seem to be get fixed and some issues or mistakes were are suppose to come off this month but due to double checks or checks not approved by me a few months but they were there when my score improved and see no reason why it dropped again. I can not find out why, I had grandparents past house at XXXX XXXX XXXX XXXX XXXX and other house XXXX XXXX XXXX XXXX, have nothing in collections and if there were any reports there wrong but did not see any issues and pay on time and accounts share with mom have been reduced quite a lot but were her accounts and if nothing else would be on both our incomes. I just need to know what or why my accounts dropped recently but can find no answer as found I have to monitor by XXXX XXXX due to past mistakes such as one agency had me living in XXXX, CA. Please what is going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) Credit Reporting 2. ) The way the Car Loan company handled this 3. ) The vehicle financed was totaled. The insurance company didn't pay it all off so I paid what I could on it except for {$500.00}. the finance site said I didn't need to make a payment until XX/XX/XXXX. I knew I could pay something every pay check and then I was getting a lump sum payment at the end of the XXXX XXXXbeginning of XX/XX/XXXX and would be able to pay it off. The company called me and I explained the situation to them and that I would make a payment every pay check but could not do more that {$20.00}. I told them I would pay it off at the end of XXXX or the beginning off XXXX. As promised, I went onto my account to pay it off ( XX/XX/XXXX ) and could not get in. I called them and they told me it had been sent to collections. I had not missed a payment the whole time and I always paid on time. I resent the fact that the little guy who is honest always " gets it '' while real criminals get away with everything. My credit score dropped quite a bit. I worked hard to keep my credit score good and now there is a " write off '' account showing on it. This was jus unethical what they did. I did what I said I would do. Since the payment was made AS I PROMISED I feel they should have not sent this to collections. I need this to be made right. Had another agency look into this and when they did I received paperwork from XXXX XXXX saying they are not responsible for how things are reported on credit. You know that is not true as they would of had to tell the credit bureau it was a right off for the credit bureau to have been able to put that kind of information on your credit report. It has also affected my son 's credit we were trying to build as I co-signed this for him. I wish I could be more specific but I spent 4 months without a vehicle and 4 months fighting an insurance company to pay - at that point I was very, very frustrated.
Product: Checking or savings account

Since XX/XX/XXXX XXXX XXXX XXXX is the last message I have from them updating my email and information I've called with my counselor who's assigned to help me find a therapist for my XXXX  as a XXXX being homeless since XXXX I've had my wallet stolen every year if not every other month throughout the years of being homeless  since XXXX I still live in a homeless shelter till this day and get robbed. After countless times way before XXXX in the year of XXXX reporting my card stolen I stopped ordering a new one and just decided to close the account around this time they decided that they can send me a card but they can not close my account I have sent them face photos me holding my ID paper saying the date time my name with my face in the picture and still they refuse to close the accounts I've been told I have verified and provided all that's needed and still not had my account closed after explaining that I am a victim of identity theft and that I had to get a new phone number and new email and so on verify the emails that I have contacted them on and still they refuse to close the account
Product: Mortgage

I refinanced my home loan on XX/XX/2020. I wanted to pay my mortage dues twice a month so that I can save some intrest. 

But when I paid the first half of the payment, they are not adding towards my account and saying that its not a full payment. My total payment are for the month are {$2100.00} and I am sending payment of {$1000.00} twice a month and I am paying 2 weeks before the due. 

My complain is they are cashing my payments but not applying towards my account and I am still paying intrest in full even though I have paid in partial. 

This is what I am trying to acheive by paying bi weekly XXXX XXXX XXXX
Product: Credit card or prepaid card

I had my bank pay off my credit card with a secure check. The credit card company cashed the check and still hadnt applied the monies to my account. The statement was mailed with the guaranteed check. I also have a copy of the cleared check.
Product: Credit card or prepaid card

XXXX Credit card through Comenity Bank fraudulently opened up in my name within past 30 days and sent to my previous address. This is the XXXX fraudulently opened or attempted card in my name within the past 3 months. I called the company and they closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several issues I have encountered with the credit bureau. These concerns include false account listings, multiple, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

Resolving these matters is crucial for my financial security, and I would appreciate your assistance in addressing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly adjust or correct the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021
Product: Mortgage

I started a request of a loan at end of XXXX 2015. A broker give a rate lock and loan approval, with a XXXX on XXXX XXXX. For external reason not related to me ( was a judge involved as a XXXX was one of the owners ), the closing took more time than expected in the rate lock. I consult my broker and he told me will be no problem to extend the loan with the same rate. On XX/XX/XXXX was the closing and the broker send me a new XXXX ( same day as the closing ), and I found that he remove some discount points ( {$1500.00} ). On the conversations I have with the broker and he never told me or provide ducumentation about the rate extension cost, I also asked him may times if will be a problem and he never communicate the difference of the cost. The relation with the broker felt apart and I have to communicate with the loan company and they investigate. They consult with the broker and the broker told them that he give me the information. I request documentation to validate this, and they never provide it. Please help to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be corrected is : XXXX XXXXXXXX