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

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear LVNV FUNDING LLC, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that LVNV FUNDING LLC has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to LVNV FUNDING LLC to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law.

I demand that LVNV FUNDING LLC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting LVNV FUNDING LLC to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California.

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Product: Payday loan, title loan, or personal loan

I 'm going through a tough time at the moment I 've lost my job and recently took out a loan with amscot I 've had to extend it 2 times and I can again! I have lost of credit debit and I ca n't afford to lose money at this moment
Product: Mortgage

We were in the process of selling our home and found out that we had a second mortgage that we knew nothing about on the home. We started to investigate how this happened and remembered in XX/XX/XXXXwe were called by who we thought was our mortgage company which was XXXX XXXX  at that time and they asked us if we needed to get assistance on the mortgage and we said that we would see if they could assist us and the only thing that they asked us for was to send them cashiers checks for an amount and they would get back with us with paperwork but later when we tried to contact them we could not get in touch with them so we knew that someone has scammed us on a fake refinance scheme. 


We never heard anything else until we saw that we had this amount separate on our mortgage. We called but the mortgage company that we have now said that the second mortgage was on there when they received it from the previous mortgage company which was XXXX. We have had 5 different mortgage companies since the origination of the loan. Therefore it is very difficult to know what when and who had a hand in this. The main concern that we have now is about our interest rate which is 5.25 percent which is really high but we were in the process of selling and did not want to refinance because of this. We are just concerned because the payments that we are making are about {$170.00} going toward the principle of the loan and {$600.00} going toward interest. We did not know this until we started to look at what was going on with this mortgage. The date for payoff of this loan is for XXXX! That would mean that we would be paying on the loan for 46 years! We have reached out to the mortgage company but we have only gotten promises that they would look into it and call us back but no one has called us about this as of yet. We believe that we have been caught up in predatory lending.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Mortgage

my wife and i had been trying to receive a loan modification from wells fargo home mortgage we were denied at first, then approved, then they sent the money back. we have been doing this for over a few years. the amount of fees and penalties and no response finally we did receive a modification but it put us in money owed over XXXX dollars.
Product: Mortgage

Nationstar Mortgage company utilizing champion mortgage as its servicer. Upon my mother 's XXXX I attempted to utilize the short pay process to buy the home. I am the son and administrator of the estate. During the course of the short pay process the mortgage companies proceeded with a foreclosure action and in violation of federal laws and mandates prohibiting the same, applied for and obtained a judgment of foreclosure and sale date which has been extended to X/XX/17. While I have attempted to pay off the balance of the mortgage the companies refuse to set forth any detail of the amount owed. They are charging thousands of dollars for a homeowners insurance policy without my knowledge and concern and during which time I always had such a policy in full force and effect. They are also charging many hundreds of dollars for interest on the insurance policies and for property taxes ( not otherwise owed, either ) because it was paid. THEY ARE STEALING MY HOME AND THE FEDERAL GOVERNMENT MUST IMMEDIATELY STEP IN AND STOP THEIR ACTIONS. ONLY AFTER THEIR OBTAINING A JUDGMENT OF FORECLOSURE AGAINST ME AND PUT THE PROPERTY UP FOR SALE DID THEY DENY MY SHORT SALE PROCESS OR " LOSS MITIGATION PACKAGE ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00}
Product: Checking or savings account

On XX/XX/XXXX I called wells fargo to file a claim due to there being over {$700.00} dollars overdrawn in my checking account that i did not make. The person in claims and i verified i did nit make alot of the charges. He said he would file the claim and send me a new card and account nmbr, which he did. The charges were all in XXXX. I waited XXXX weeks and called to get status on my claim, and they ssid it was denied. By now the amount was over {$900.00}. The letter i got said that i had to give my card info and pin number to family member, or authorized the use of my card to someone. Everything overdrawn in my checking is not by me, i will not pay it back, can you help me? My daughter and i were homeless XXXX yrs ago, i worked hard to start over, i can not afford this, i didnt do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX and Equifax credit reports and I've disputed them several times with the companies and XXXX and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed an FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer XXXX ( Transunion ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at XXXX XXXX XXXX XXXX ) on XX/XX/XXXX under the ( XXXX account number ) and ( XXXX account number ). Transunion has DENIED my request to block the accounts ( Please see attached documents regarding denial ). These accounts have resulted in several fraudulent late payments appearing on my consumer XXXX Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # ( XXXX ) and # ( 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 2nd attempt. I am interested in processing disputes to transunion for the invalid information reported to my credit report. these errors are hindering me from moving forward and need to be deleted an correct. please review information asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unverified account of sources receivable account number XXXX is reporting inaccurately. On TransUnion is reporting account status as open, on my XXXX  it is reporting as closed and on XXXX  is reporting as closed. also there's a past due balance being reported on XXXX  for {$920.00} but on Transunion and XXXX  there is not a past due balance be reported. I have disputed this account several times and they yet fail to show me proof of verification or remove this account because of inaccuracies and neither company showed me their method of investigation to support their claim that this account was verified
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize these inquiries. I am requesting that the inquiries be removed.This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Bureaus the method of verification for disputes. In accordance with FCRA, I am requesting these inquiries to be deleted for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This complaint is regarding Chase bank, who has denied a claim regarding a fraudulent charge. 

- On XX/XX/year> I received a call ( anonymous ) warning me that I was about to be scammed. I assume this was for the purpose of confirming a phone number associated with the card number. I immediately saw a charge {$1200.00} from XXXX XXXX and froze my card- I called Chase fraud department. The operator pulled up the charge, noting that there had been several attempts at purchases for much larger amounts, declining until one went through successfully.

- I received the temporary credit for the charge. 

- XXXX refunded my card. Obviously, the card was frozen/closed by then so the amount never hit my account. 

- The charge hit the account again on XX/XX/year> - I called the Chase claims department, who confirmed that the claim had been denied, due to lack of documentation. I inquired what documentation might be acceptable to accompany a purchase I did not make. She only repeated anything you can come with. She provided no support or additional resources. 

- I went immediately to my local branch. Rather than providing me with the requested banker, I sat with the very young lobby greeter while she called the banker support line and received the same information. Because I have purchased a plane ticket with XXXX before, they dont believe it is unusual activity. 

- Chase is unable to provide a copy of the statement including the previously confirmed multiple declined charges, and somehow the Claims department either didnt look at this, or didnt find it suspicious. A second call to fraud and their debit specialist who are unable to grant me access to this information regarding my own account. 

- I sent Chase a transcript copy of a chat with XXXX, who confirmed that a change was made to the ticket on a card that is not my own, along with paperwork confirming the whole transaction, including a full refund. 

- The fax was never received. I have tried three times, most recently XX/XX/XXXX, at two different branches, one banker accompanying the fax with an email as well. The documents are never received, and any time I call, they are at a complete loss of what to do. 

I am out of ideas. This is a sizeable charge that I did not make. Not that it matters, but I only fly XXXX in the direst of circumstances, as they have burned me multiple times in various ways. They are the absolute worst company my scammer could choose for me to do battle with. Please look into this thoroughly, including the super-secret records of the various declines leading up to the purchase. Obviously, I would be aware that my debit card wouldnt support charges of those size. XXXX can do nothing further, they have processed the refund, and say it is now up to my financial institution. This is now theft on the part of Chase bank.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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 XXXX and Transunion Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting

In XXXX 2015 I was informed while attempting to obtain a new lease with another car company that XXXX XXXX XXXX ( " XXXX '' ), whom I currently lease a vehicle from, had reported my account to the XXXX major credit bureaus ( Transunion, XXXX, XXXX ) as 'delinquent ' for the months of XXXX and XXXX despite making all the necessary lease payments in a timely manner. My payment schedule will confirm such. 

This egregious, potential violation of the FCRA has driven my credit score to the level in which no local Credit Union will provide lease financing at my original negotiated rate with the dealership. XXXX claims to have reported no notices of delinquency however it 's clearly present on all XXXX credit reports I obtained. Disputes have been submitted. 

I have contacted and urged XXXX leadership to fulfill XXXX 's XXXX Customer Value to " ... promote a customer-driven corporate culture by providing the best quality and impeccable service with all of our efforts aimed at satisfying our customers. '' This has gone beyond any stage of inconvenience and has become detrimental to my ability to engage in critical necessities for my livelihood. I have respectfully requested this situation is rectified with the credit bureaus immediately so as to prevent any further damage caused. 

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

Experian is violating my consumer rights. Experian continues to report inaccurate, incomplete and unverified information of bankruptcy docket # XXXX on my file # XXXX as noted on report # XXXX. The court confirmed that they did not provide any information to credit reporting agencies, nor do they ever validate and/or verify public records. Experian buying this inaccurate, incomplete, and unverified information from a third party does not absolve them from accountability. Experian 's noncompliance of 15 USC 1681i ( 5 ) ( A ) ( i ) which states, " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Experian continues to violate this law as they have not deleted the information which constitutes willful noncompliance and is subject to civil liability for damages.