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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Equifax is violating the law and my rights on a daily basis. Dealing with an Identity Theft account I have been disputing for months. By Equifax doing this to me, they are doing it to other consumers that rely on their credit, especially those that are Victim of Identity Theft. Equifax has totally violated, ignored, and denied my legal dispute letters for months. Especially a consumer that is a Victim of Identity Theft. Equifax has forward me XXXX letters dated XX/XX/2023 and XX/XX/2023 stating an illegal Section of the FCRA that does NOT exist Section 605B ( c ). There is NO such act. Equifax has NOT followed Section 605B of the FCRA. I have followed Section 605B of the FCRA in supplying all documents needed to be in accordance and in compliance with Section 605B of the FCRA of Identity Theft. Equifax has denied Section 605B of the FCRA. 

Here is a summary of the key provisions of Section 605B : 1. Blocking Information : If a consumer submits an identity theft report to a consumer reporting agency ( CRA ) stating that information on their credit report resulted from identity theft, the CRA must block that information from their credit report. This is aimed at preventing fraudulent or inaccurate information from harming the victim 's credit. 
2. Duration of Block : The CRA must block the information within four business days after receiving the identity theft report.

3. Notice to Furnishers : Once the CRA has blocked the information, it must promptly notify the furnisher of the blocked information, which is typically the creditor or entity that provided the disputed information to the CRA.

4. Duties of Furnishers : The furnisher is then prohibited from reporting the blocked information to any other CRA without notice that the information is disputed and may be fraudulent.

5. Extension of Block : The block on information can be extended upon the consumer 's request or based on certain criteria.

Section 605B is an important provision for victims of identity theft, as it allows them to take steps to prevent fraudulent accounts and information from damaging their credit reports. If you believe you are a victim of identity theft, it's important to follow the procedures outlined in the FCRA, including providing an identity theft report to the CRAs to block the fraudulent information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name 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 Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.

Thank you for your immediate action to this issue.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$700.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$2300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$140.00} Open Date XX/XX/XXXXXXXX  inquiries XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following account : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX on XXXX  credit bureaus. Transunion inquires reporting without my knowledge or permission fir anyone to use ny information to apply for anything or given any companies permission to run my creditors products or services.
Product: Consumer Loan

GM Financial has received both our XXXX and XXXX lease payments totaling {$590.00}, but they claim not to have received the money.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments reported by XXXX on my credit report, which are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to have accurate information reflected on my credit report. 

Despite having provided XXXX with proof that my account status was inaccurately reported, they have refused to correct the information. Enclosed are copies of my evidence, including payment receipts and account statements, demonstrating that my payments were made on time. 

Additionally, I draw your attention to 15 U.S.C. 1666b, which mandates timely posting of payments. This requirement has been violated, further affecting my credit report inaccurately. 

Please investigate this matter and correct the inaccurate information promptly. I request written confirmation of the corrections within 30 days. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle through XXXX XXXX on XX/XX/XXXX. The vehicle was a lemon. Within a year, I had to have the alternator changed 3 times. The alternator went bad again in XXXX of XXXX and the car would not run. The vehicle was towed to XXXX XXXX  XXXX and XXXX XXXX was called and asked to come and get the vehicle. In XXXX of XXXX, there had been no response from XXXX XXXX. XXXX XXXX   XXXX went to the XXXX to obtain a salvage title and therefore the XXXX sent certified letters to myself and to XXXX XXXX. XXXX XXXX did not respond and XXXX XXXX XXXX  was granted the salvage title. XXXX XXXX removed the debt from my credit report but is now reporting the loan as open when in fact it has been five years since the salvaged title was granted. XXXX XXXX failed to secure the vehicle from the voluntary repossession and this is on record with the XXXX XXXX. The loan needs to be removed from my credit and closed.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

Affirm is reporting inaccurate information on my account. They have reported multiple back to back 30 day and 60 day late payments which is impossible They have also reported that my account has been charged off for 5 months in a row since XXXX which starts over the process of reporting and damages my credit report each month. I sent them proof that my account was paid in full from XXXX XXXX in XXXX. They still continue to report each month that my account is a new charge off.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see incorrect accounts appear on my credit report, and I have no idea how they got there. I always check my report regularly, but this time, out of nowhere, there were errors. I even tried refreshing my browser to see if it was a glitch, but nothing changed. The wrong accounts stayed. I'm now requesting that the documents I've submitted be thoroughly reviewed, so I don't have to deal with this again.
Product: Credit reporting or other personal consumer reports

When applying for Care Credit, XXXX, and others They send me a copy of the data and it says my score is in the XXXX 's. My XXXX XXXX says for XXXX I have a score of XXXX and of XXXX XXXX. XXXX also says I have a XXXX.
Product: Student loan

I have been making payments to a private student loan. I have reviewed the online information on Wells Fargo 's site to obtain how the payment is applied. Each month I pay over and above the amount due. I can see how much is applied to principal and how much is applied to interest but there is no information to show how the balance has dropped from the previous month. I would like to be able to receive a statement by mail to show the balance from the previous month and the new balance after the payment is applied. I can only see the current balance of the student loan. I have not been able to see how much interest accrued over the time my son was in school. I am a mortgage lender and I understand finance completely. I have been to a local branch and made a call with one of the agents to the student loan department and I have emailed 3 times to explain the issue. There is no way to track what the original balance started out at and then showing how the payments have been applied or the new balance each month. This should be very clear to a consumer. I can not begin to imagine inexperienced students trying to understand this. There also have been mistakes made where the payments I made were applied to a loan that my x-husband was obligated on solely in his name but I made the payment. This was eventually corrected only because I was paying attention and researched it. There is currently an error that I see where it seems as if a payment was posted but one I didn't make. I have also never been given an option of opting out of a mailed statement. I was told they do not send statements when I inquired on this. Any assistance you can provide would be greatly appreciated.
Product: Mortgage

We are in the XXXX of Florida that was recently hit by Hurricane Michael. After the storm hit we received insurance checks to begin repairs on our home only to find out that XXXX XXXX XXXX had sold our Mortgage to a place called Flagstar. We had it set up to defer payments for 3 months and it would go toward the end of the principal of our mortgage. XXXX XXXX XXXX did not transfer this information over to Flagstar who is stating they will not honor the 3 month deferment and are trying to make us pay double house payments for the next 3 months. We finally were able to have them send us loss mitigation paperwork and have had to send it multiple times as they have lost it, added things that they needed etc. Here we are over 5 months later and we still have yet to begin work on our home all the while Flagstar holds our insurance money. We have submitted a request for the only work done which was a fence to be put up and we had to send that 5 times to them. I finally found out today they have just cut a check when the fence work has been completed. We have also sent over to release fund to begin putting on a roof and this has been the second time in which we have had to do this and they say now they have added things they need and I let them know it is not on their checklist and they acknowledged that I was correct. As we sit in a mess of debris and what is left of our home we have worked so hard to obtain with our son our frustrations are growing. Flagstar is collecting interest on the money that is for our repairs and we can't hardly even get the money. I can only imagine what it is going to be like when they begin tearing out ceilings, flooring and walls. This has been the most upsetting thing I have ever had to face and this company is truly a joke.
Product: Credit card or prepaid card

CARD.com lock my account, which prohibit my social security check to be return, the money I had in the account they won't release it back!!! My account was compromise XXXX XXXX weekend, I reported the issue, the revise the charges back to my accout, but because I have an change in address they locked the account and keeps asking for documentations, I sent it in and they still never sent my money back!! I need this money people are out here struggling
Product: Debt collection

On XX/XX/2018, I was notified that Source Receivable Management was added to my credit report as a collections account for XXXX. I have never signed a contract with them and I am not liable to this debt. A validation letter was sent to Source Receivable Management on XX/XX/2018. It has more than 30 days and I have not received any validation paperwork in response to my letter.
Product: Checking or savings account

I am a U.S. citizen with a valid passport travelling abroad. I received a letter approx. 2 weeks ago at my virtual mailbox in the U.S. that Capital One requested I update my physical address or that my account would be limited and closed. Upon receiving this letter I immediately called the bank and after speaking with several people, including a manager, they allowed me to use my mailing address as my physical address and ensured me that my account would remain open. This is on a recorded line. A day later, my account was closed and I am unable to access my funds. Mind you, I have 2 credit cards with the same bank who are also aware I am outside of the U.S. travelling abroad and allowed me to keep the credit cards open. This is not justifiable in any way, shape or form. I now risk becoming homeless in a foreign country because I can not access my funds and the bank wrongfully closed my account. I am in the process of contacting a consumer protection attorney as well. I would appreciate if you can look into this immediately. There is a recorded conversation of the bank manager authorizing me to use my mailing address as a physical address with her ensuring me the account would remain open.
Product: Debt collection

I CONSUMER entered into a consumer credit transaction with Caliber Home loans XXXX of XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction my finance charge is {$91000.00} but Im being charged {$230000.00}. The finance charge does not include cash, but Caliber Home loans took cash. I Refinanced my home XXXX of XXXX. When I refinanced my home and I finally did receive my new contract it stated a monthly payment of {$920.00}, when that's not how much I was supposed to be paying. So I the consumer sent in a Debt Validation Letter, Affidavit of Truth, and Cease and Desist. Caliber home loans received my paperwork but failed to fill out the requested information and return the paperwork to me. They instead just sent a letter stating they received my paperwork but that's it. Caliber Home loans is in violation of 15 USC 1692e ( 11 ) failed to disclose that this is an attempt to collect a debt. 15 USC 1692 the FDCPA never uses the term borrower but I been referred to as a borrower throughout my contract. Caliber home loans is in violation of 15 USC 1692e ( 2 ) my contract shows false representation of the amount, anything that is owed should be shown in the negative not positive, it looks as if I'm owed the money Exhibits XXXX, and XXXX. Caliber Home loans is in violation of 15 USC 1692b ( 5 ) using symbols on envelopes, that is effected by the mails exhibits XXXX. Caliber home loans is in violation of 15 USC 1692j for designing a contract that has false and misleading information used to create false belief in a consumer. Exhibits XXXX and XXXX will show mailed receipts and, the letter they sent stating they received my requested information, but never responded after that.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THIS ACCOUNT CHARGED OFF XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX {$0.00} CLOSED LATE XXXX XXXX XXXX XXXX, XXXX {$0.00} INQURIES XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have contacted Ocwen over 16 times since XX/XX/XXXX. We are told things will be fixed, they have the information, and they will call us back and confirm when the information is correct, and then they go dark. We recently went to the ombudsman with Ocwen. That was over a week ago. I was promised they would call us back on XX/XX/XXXX with a resolution and nothing. I called them again on XX/XX/XXXX and was promised it was getting fixed and I would receive a call back by Tuesday morning. 
Again, nothing. I called again today and explained this has costed us a LOT of missed work and LOTS of money. I also explained our loan lock was expiring this Friday for the SECOND time, and the urgency of this matter. I 'm still waiting for a response. They are reporting inaccurate bankruptcy information on 2 properties. In addition, I own an LLC with a parnter, and we were just denied our business line of credit because of the inaccurate information being reported by Ocwen. We have two XXXX in XXXX, and this is literally creating a massive financial situation for all of us, even though we are n't responsible for any of it. The ombudsman shared this morning the information WAS N'T correct and he was able to verify public records, but his " bankruptcy team was backlogged and he had to work on it. '' Truly unbelievable this company is allowed to stay in business!
Product: Credit reporting or other personal consumer reports

XXXX XXXX NA ( XX/XX/XXXX ) CAPITAL XXXX BANK XXXX ( XX/XX/XXXX ) TOWER LOAN ( XX/XX/XXXX XXXX XXXX NOW XXXX ( XX/XX/XXXX ) CARFECT ( XX/XX/XXXX ) CAPITAL XXXX ( XXXX XXXX NOW XXXX ( XX/XX/XXXX )
Product: Debt collection

I made my payment every month on time. At some point someone stole my purse that had my cell phone in it. They locked me out of all my accounts and changed my password. I contacted total Visa by phone and told them thjat someone made several payments using my bank account to pay unauthorized charges then make more. They wanted me to tell them which charges were unauthorized and i said I was locked out of my online account and didnt know what the charges were. I had to request paper copies of my statements. After Waiting two months to without receiving them I requested them again. Each time I told the representatives I was concerened about the timeframe to dispute the charges and the additinal fees I was being charged each month. It to four month to receive my paper staements at which point I contacted them again and they told me my account was closed and they couldnt help me
Product: Credit reporting or other personal consumer reports

Account name JPMCB CARD Account number XXXX this account does not belong to me. I have not consented or contracted with this company. Furthermore, this account isnt being reported correctly. Open dates are inconsistent, original balances are inconsistent. This account needs to be removed from my credit reports.
Product: Checking or savings account

On XX/XX/2022, I received a email from Ally Bank ( see attached photo copy ) indicating that a Ally Interest Checking Account ( # XXXX ) had been created using my name and email address as the authorized user. 

However, I never communicated with nor authorized Ally Bank to open any financial instruments in my name. 

On XX/XX/2022, I received an additional email from Ally Bank indicating that they were notifying me that I should create a Login ; Password ; and a customer profile for this account. 

I did not comply with any of these instructing believing that this may be fake. 

When I called to validate this, the initial answering question as if I was calling to report an unauthorized creation of an account, the phone when dead.