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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of Inquiry XXXX XXXX XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX/XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent for XXXX, TransUnion, XXXX, XXXX and XXXX XXXX  to report my credit information. Somehow they all have reported my credit all of my credit information without my written consent which is in violation of my consumer rights ( 15 USC1681 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : # 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 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

I arrived the XXXX this XXXX. This is my first time to be in the XXXX. In XX/XX/XXXX I tried to apply for my first XXXX credit card, from XXXX. They rejected my application because they said that my Experian credit report saies that there is an outsatnding bill in one of my credit cards. 

That is the first time I noticed this issue. I created a Experian account using my personal information and XXXX, which was issued to me this XXXX. But Experian automatically links me to an exsiting Experian account, which is fraudulent. That fraudulent Experian account contains personal infomation which looks similar with mine. The scammer manipulated an imaginary person, whose name and date of birth are similar with mine ( not the same ). 

Besides, that existing account contains a credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX which has a XXXXXXXX XXXX outstanding bill happened this XXXX. According to the information listed on the Experian Credit report, that fraudulent credit card was created in XXXX at which time I was not in the XXXX. The strange part is that the scammer 's credit card does not show a SSN same as mine, so why does Experian links me to that account? ( Actually, Experian cannnot even see that card 's SSN ) What information did Experian use to link me to this account? 

Becaus it is my first time that I encountered this issue, I just followed the suggestions given by Experian human service to avoid any further negative effects.The information listed on the credit report was not right, so I corrected them ( including the name, DoB, mailing address and SSN ). I am not sure if that will affect the disput process. If the credit report isn't mine, I may have just modified someone else 's credit report. 

I tried to dispute that this credit card is not mine, but all my attempts failed. Experian they give two reasons to reject my applications of removing that card. First reason that Experian gave is that I didn't give enough materials that can prove myself, but I indeed submiited all the documents required by Experian, including my passport, State ID, Bank Statement, police report, XXXX, past two years 's mailing address, full name and DoB ( even my XXXX XXXX, and XXXX ). Second reason is that they told me that XXXX confirmed that that credit card is 'valid ' so they can not remove it from my Experian credit report.But it does not belong to me.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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/XXXX
Product: Money transfer, virtual currency, or money service

My sister made a transaction on XXXX of XXXX with XXXX XXXX, I've tried to deposit my funds to my personal account on XX/XX/XXXX, but XXXX canceled my attempt and asked to proof my identity, so I did : I sent them my personal photo with holding my DL in hands, sent them XXXX statement, SSN number, but it wasn't enough for them and XXXX decided to lock my account and freeze all my funds due to suspicious activity. after 14 days of reviewing my claim I contacted them again and they said that they can't do anything about and I have to file a claim at their corp website. I've done that as well. after 14 days no one called me either. I tried to contact XXXX online agent again but they locked my access to it and just didn't respond me back for 24 hrs already and counting ... ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017 Court : XXXX Bankruptcy XXXX XXXX CA Reference # XXXX account was reported to a Credit Reporting Agency without my knowledge or permission. I have requested for this information to be removed for several years now with no resolution. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Bank account or service

Bank of America is doing it to me again. I told them I 'm on a very fixed income and they still take an overdraft fee every 5 days. I want this money returned to me immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX released a refund in the amount of {$91.00} and when you call XXXX XXXXXXXX XXXX they state the have a heavy call VOLUME and then it says they are closed. I contacted them online and received a message to inbox them. I did that on XX/XX/2020. Thousands of people are getting the same message on XXXX and they aren't responding to anyone. I want the credit to my account. XXXX also sent me proof they did the refund.
Product: Checking or savings account

On XX/XX/2017 I got a distribution from my IRA at Capital One Financial of {$35000.00}. I instructed them to send {$33000.00} to my bank account ( which they did ) and withhold {$1400.00} for North Carolina state income tax. The {$1400.00} shows on my statement as withheld but when I received my XXXX for 2017 it was not on it. I've called them several times in the last 2 weeks and Customer service tells me that another department has to look into it and they'll call me back. No answer yet so I appear to have a problem with under-withholding for NC income tax and face a likely penalty. Also, the {$1400.00} is missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX A representative from Experian recently stated two thing : 1. All accounts reported on a credit file has an address identifier linked to it that ties to an address listed on my credit report. PROBLEM : The address identifier linked to the bankruptcy is NOT listed nor tied to an address on my credit report. YOU HAVE MERGED MY FILE! I keep explaining there are THREE generations with the same name in my family. My father, XXXX XXXX XXXXXXXX XXXX  ; Me, XXXX XXXX XXXX, XXXX ; My son, XXXX XXXX XXXX, XXXX. My dad names on my report MULTIPLE times. XXXX even has my son 's birthday on my file. Who are you verifying??? 2. The representative confirmed that Experian verifies bankruptcies through XXXX. PROBLEM : I've sent Experian the letter from XXXX that clearly shows that bankruptcy COULD NOT BE VERIFIED BUT EXPERIAN keeps claiming to have verified and this has to be a complete LIE! I think Experian knows my file was merged which is why they suddenly deleted accounts I BEEN told them were not mine BUT kept XXXXXXXX XXXX XXXX XXXXXXXX, and Bankruptcy. Plus ALL of these INQUIRIES KEEP SHOWING UP! WHY? WHO ACCOUNT DID EXPERIAN SUPPOSEDLY VERIFY? Experian has multiple violations of my rights under FCRA.
Product: Debt collection

I am requesting your help with this matter since I do not know what else to do to resolve an unfair issue with my credit. I have been a victim of fraud and had fraud charges on my account. I did not benefit or have any knowledge of these charges. I tried to solve this issue with Ford Motor Credit by sending a letter ( XX/XX/XXXX ) requesting this FRAUDULENT ITEM to be removed. 

They did not investigate nor respond and also did Not even mark the account on my Credit Report as disputed. This is a violation according to the FCRA. This has caused lot of inconveniences. Please help me get my credit freedom back. I am requesting the following company to remove this fraudulent item from my credit report and also a DELETION LETTER. I will not hesitate taking this case to court if they do not remove this negative mark. 

COMPANY : FORD MOTOR COMPANY Account # : XXXX. 
Date Opened : XX/XX/XXXX. 
Balance {$0.00}. Closed.
Product: Mortgage

On XX/XX/XXXX I received a mortgage statement from my mortgage company, New American Funding, showing that my mortgage is in default. Additionally, the letter threatened action against me in the form of foreclosure if payment is not made. However, I entered into, and was approved for, a forebearance under the C.A.R.E.S and Consolidated Appropriations Acts. This was approved by New American Funding on XX/XX/XXXX. This action is illegal and violates the terms of the forebearance agreement. I am requesting intervention and a reversal of this action.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

I did not initiate this account, and I strongly suspect it to be fraudulent. I have previously contacted the collection agency regarding this matter, but the issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I recently gone through a financial hardship and was unable to make the payment on time, and it affect my credit score, now that I am finally back on my feet, will you help me remove the payment that I have missed, so that my credit score can be back on track.
Product: Mortgage

roundpoint holds the 1st mortgage on my home. They purchased my mortgage about a year ago. I am not a subprime mortgagee. I have now received two letters from roundpoint claiming that I don't have " wind insurance '' which is absolutely false and they are threatening to buy " wind insurance '' on my behalf for an outrageous sum of money. The most recent letter is dated XX/XX/2024. I have twice uploaded my policy documents and twice explained to them in a cover letter that my policy is an " open perils '' policy and thus only things that are specifically excluded are not covered and wind damage IS NOT excluded. I have consulted with my insurance agent and I know I have my facts straight yet roundpoint persists in harassing and threatening me. I have tried to contact roundpoint but as I'm sure others can attest it's virtually impossible to find an actual human to speak to and/or get any help. I think their practices are extremely unhelpful at best, certainly predatory and potentially fraudulent. If they falsely claim that I don't have a form of coverage they require because they can't figure out my insurance policy and then charge me for a service that was neither asked for or required, that's fraud.
Product: Credit card

Kindly update my account and remove the inaccurate late payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries reported on my consumer credit report, as referenced below. These entries are the result of a XXXX XXXX or fraud, and I request a thorough investigation. I also demand verifiable proof bearing my signature or electronic signature to validate these actions. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I did not authorize the actions reflected in my credit report, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section XXXX : Blocking information resulting from identity theft or fraud [ XXXXXXXX XXXX XXXXXXXX ], and Section XXXX : Permissible purposes of consumer reports [ XXXXXXXX XXXX  XXXX ]. 
After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are a result of a XXXX XXXX or the improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate and remove these unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Debt collection

XX/XX/XXXX I the consumer and natural person purchased a XXXX XXXX challenger for personal, family, and house hold purposes using my credit card pursuant to federal law ( 15 usc 1602 ) and 16 cfr 433.1 that was completely paid off using my open ended consumer credit plan at XXXX XXXX XXXX XXXX the firm committed fraud by giving me deceptive forms to coerce me into debt which is a federal violation of the fair debt collection practices act, they also committed fraud by not issuing me my lien free title as well as purchase money loan pursuant to 16 cfr 433.1 ( d ) and other proceeds that I have all rights and claims to from my negotiable instrument. I was not given adequate disclosure on how the finance charge was calculated, i was force to pay for gap and other insurance separately. This firm then sold these deceptive forms to wells Fargo to give the impression I took out a auto loan which I did not. Its almost impossible for me the natural person and consumer to take out any loan when I have a open end credit plan. Wells Fargo now has the title to my property with liens on them which is a direct violation of the FALSE Claims ACT 31 usc 3729-3733. My credit card that was used is property of the social security administration and all financial obligations are obligations of the united states pursuant to 18 usc 8, I cant pay anymore for this fraudulent loan even if I wanted to due to lack of currency to pay. Wells Fargo also sends me monthly bills and statements threatening /attempting to coerce me to pay violating 39 usc 3005. As a federally protected consumer I demand my titles lien free upon receiving this notice and reflect all these accounts as paid off on all consumer reporting agencies. These alleged auto loans are in fact purchase money loans that were supposed to be given to me the consumer in return for a finance charge pursuant to 16 cfr 433.1 which I never received. This company has also sent me multiple repossession notices threatening to take my property which was already paid off via my chattel paper/ negotiable instrument that they has unlawfully sold numerous times which is securities fraud pursuant to 18 usc 3301. I will be seeking litigation for all parties who were involved in these fraudulent activities to the fullest extent. I asked for documentary evidence showing that i owe these debts and I wasn't provided with adequate documentation pursuant to 12 cfr 102.6 ( a ) ( 4 ) ( 5 ) of the details of the security interest. I also already took the liberty of checking the states ucc 11 records showing that I dont owe anyone any debt and it is more prevalent this company is engaging in not stop fraud. Please be advised I do intend of pursuing federal charged on all parties who where included or played a roll in these racketeering offenses and unfair and deceptive practices pursuant to 16 cfr 433.2.
Product: Debt collection

They garnished my wages after the debt was paid and have not stopped it over {$4200.00} owed back to me.
Product: Checking or savings account

I went to XXXX XXXX XXXX XXXX us bank XXXX officially that must account close I say why! They don't tell me what happening and other bank block. Frustrated also they are bitclose account yet I say give me money the. They say XXXX no and feel like I am victimized I know this is set up for XXXX XXXX money I am fed up since 6 month call me XXXX sometime email block so I. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my XXXX and Equifax credit report are lost/stolen credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, balance {$450.00}, and XXXX  XXXX Bank XXXX XXXX, XX/XX/XXXX, balance {$580.00}. The following credit inquiries listed on my Equifax and XXXX credit report are fraudulent, unauthorized and not mine : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit card or prepaid card

Last month I thought I changed all of the amounts due on my Capital One credit cards so that I was paying more than the minimum. Please note that there is no way to see what the minimum is on the app or can you access a statement. Today I get a email saying I've been charged a past do fee and that my bill is past due. When I call Capital One they tell me I haven't paid enough that the minimum was {$81.00} and I only paid {$50.00}. So when I went back to my app there's no way to be told what's your minimum is or to access a statement. I had to XXXX how to get this done. Which means I had to log off the app and go into the internet to figure out this information. I feel that this is a sly way of trying to get around people paying on time so that you can charge them fees. I thought I had doubled the amount of my payment so that I could pay more each month when in actuality all I had done was pay less than the amount due and incur myself a past due payment fee. There should have been an option to tell me what the minimum payment was or at least allow me to access my statement on the app.
Product: Student loan

XX/XX/scrub>XXXX XXXX  I submitted a 2nd formal complaint regarding the cancellation of all my student loan debt to Mohela as I am eligible for the PSLF loan forgiveness program. I sent Mohela copies of proof with XXXX XXXX XXXX XXXX XXXX XXXX  as well as the required form. I still have no action from Mohela to date. They continue to send me invoices. I call Mohela and receive different information from the reps about what I need to do. I comply with everything and still NOTHING has been done. Yet, I have family and friends who also XXXX and qualified who have had their loans forgiven. I also have a loan with a college that is no longer accredited on my account and Mohela has still not done anything to resolve this matter.