23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  Charge Amount : {$960.00} Date Opened : XXXXXXXX XXXX XXXX ( XXXX yrs, XXXX mos ) Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Credit card or prepaid card

I applied for a no fee credit card in XXXX. In XXXX i realized i had been charged a yearly fee and called American Express ( Amex ). They said they would change it to the no fee card. A few weeks ago i saw another yearly fee and realized they have been charging me since XXXX. When I online chatted with XXXX, an Amex associate today, I was told I would have to be issued different cards and be " downgraded '' to the no fee card. Apparently, Amex issued me a card I did not apply for ( the yearly fee card ). And, when i asked this to be fixed in XXXX ( the phone call at that time was recorded ), it was never fixed. Correct me if i'm wrong, but i believe that it is illegal for a credit card company to issue a card different from the one you applied for, without your consent.. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Personal Information/Address on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate personal information and addresses that are currently being reported on my credit report. The information in question is not correct, and I respectfully request that you conduct an investigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Disputed Information : [ incorrect address, wrong personal details, etc. ) ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Provide the correct details if available. ] XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX Under the FCRA, specifically 15 U.S.C. 1681i, you are required to investigate and correct any inaccuracies on my credit report. The statute mandates that once a dispute is raised, the credit bureau must investigate the disputed information within 30 days. If the information can not be verified as accurate, it must be removed or corrected.

I have attached documentation supporting my position, including [ list documents such as utility bills, bank statements, government-issued IDs, etc. ] to verify my current and accurate personal information.

Please update my credit file and provide me with a revised copy of my credit report after completing your investigation. Failure to correct the inaccuracies or provide a timely response may result in further action under the provisions of the FCRA.

Thank you for your attention to this matter. I expect a response within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX Enclosures : The proof is enclosed. Driver Licence and Social Security Card.
Product: Credit reporting or other personal consumer reports

I contacted Lexis Nexis on XX/XX/2024, for a copy of my report. The representative took all of my personal information and advised I would be getting a letter in the mail within XXXX business days, and I have yet to receive a letter, email text or call. 
I verified all of my information. I also advised I had a police report because I had been victim of fraud as well as identity theft and advised I could upload or provide this information if needed. 

I was advised they did not need it and would send out the information to me and they have not
Product: Credit reporting or other personal consumer reports

I am a victim of identify theft, and XXXX are the cause of the identify theft. Transunion and XXXX has granted access to my credit report. Soft inquiries tie them to the idenity theft, I did not give them my permissible purpose to report the idenity theft related collections on my account. Please help CFPB, I just turned XXXX and experiencing idenity theft has severely changed my life negatively. I dont wish this on my worst XXXX, I hope you guys dont ever have to experience this.
Product: Vehicle loan or lease

Today, XX/XX/year> I made a second payment to global lending of {$270.00} or {$.00} actually the first payment that Ive made after not being able to make payments due to income lowering I was told that I could make a payment of XXXX and have a repossession of my vehicle removed was not told that I had to pay at XXXX. Do you have that done so when I went to go talk to the bank again and theyre having the tow people or the repossession people Coming and driving up and down my road trying to be repossessed my car I was told that I had to make the XXXX which made my payments even later and longer than before, and they would not allow me to make the XXXX XXXX  payment to kind of make up for that. I get paid once a month I make 40 hours a week or 40 hours a month and so I dont get paid much and they are not willing to work with me on changing my payment dates theyre not willing to work with me on making any sort of payment plan on my my Past due payments which I guess is four months behind. I am willing to work with them. They are not willing to work with me. I have talked to many many many people and the person that I talked to today at global lending was very rude and I cant get to anybody else to talk to you about this. Im willing to do what I can and Ive told them everything that I can do theyre not willing to work with me. I dont know what to do. They still have the repossession on my vehicle. They have not taken it yet, but the repossession still stands I would like to have the repossession removed on my vehicle so I can work to make these payments because Im willing to work with the company. Theyre not willing to work with me. Theyre not willing to and I even received a letter on this consumer reporting that global lending is willing to setup payments or set up payment plans with you on past payments that are due or late, but everybody Ive talked to said that I am not able to do that or even extend my loan a little bit everybody Ive talked to global has told me that that is not possible for me to do That is all Im asking. I need to keep my car.
Product: Credit reporting or other personal consumer reports

This inaccurate account is currently in litigation due to the violations associated with its reporting on my credit report. This is my formal notice to you that this account needs to be deleted from my credit report while in litigation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to respond to my dispute letter and for not conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to Experian via USPS certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ) to dispute the inaccurate and incomplete reporting of a bankruptcy on my credit report : Bankruptcy Reference Number : XXXX Filing Date : XX/XX/XXXX Court Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address The bankruptcy referenced above is unverifiable. On XX/XX/XXXX, I obtained a consumer report from XXXX ( Consumer Report Number : XXXX, Case Number : XXXX ), which showed no record of this bankruptcy. XXXX, a primary source for bankruptcy data, has confirmed that this bankruptcy does not exist in their records. 
Despite receiving all required documents and a detailed explanation of my dispute, Experian has failed to : Provide a timely response to my dispute, as required by the FCRA. 
Conduct a reasonable investigation into the accuracy and completeness of the disputed information. 
Experians inaction is a direct violation of the FCRA, which requires credit bureaus to : Investigate consumer disputes within 30 days of receipt. 
Ensure that only accurate and verifiable information is included in credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to sign up for a loan from XXXX and they kept denying my application. They said the credit report was an issue. They check with XXXX. I called XXXX to get my free annual credit report. They said they could not verify my identity and were unable to locate my credit file. They asked I fax my SSN card and drivers license to them with a cover page explaining this issue. I sent them the fax and waited about 10 business days. I received a mail saying that they still havent been able to locate my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/XXXX, I contacted all three bureaus to verify some accounts were inaccurate. XXXX removed the account but Experian refuses to remove the items that were investigated and deleted. Under the FCRA all bureaus must be accurate, complete and verifiable. If any of the Bureaus find information to not be accurate, they must share this information with the other major bureaus. I have attached a copy of the investigation results. in accordance with the Fair Credit Reporting Act, Experian and XXXX have violated my consumer rights under 15 U.S.C B 1681a sec 603 15 U.S.C 1681 SEC 602a 15 U.S.C 1681 SEC 604a Sec 2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Haven't received updated term sheet from Amerisave Mortgage Corporation since XX/XX/XXXX. Lender has had all my documents to close the loan since XX/XX/XXXX and made me pay {$500.00} for an appraisal. They did not rate lock the loan yet and I have requested information on when we should rate lock for the lowest interest rate and in fact asked them to rate lock on XX/XX/XXXX BUT they never did nor sent me confirmation of anything. They have ignored my calls and not called me back since XX/XX/XXXX and every email i write to them seems to get ignored or given a fraudulent reply about them going to send the updated term sheets. The company is MIA it seems and has all of my confidential information with them which makes me very worried.
Product: Debt collection

My wallet was stolen. My license, checks and debit card was in there. I have tried several times disputing the item on my report but they refused to remove this,
Product: Credit reporting or other personal consumer reports

Equifax is unaware of proper credit reporting and the FTC and CFPB relationship. 

According to proper procedure, fraudulent credit reporting issues are handled through the Consumer Financial Protection Bureau ( CFPB ), not the FTC. 
XXXX website directs consumers to file reports via the CFPB through the FTC Fraud Report system.

However EQIFAX does't know this and I was informed that my file did not include an FTC report . Therefore, my disputes include reports made through the CFPB, and I have attached the necessary documentation to support my claim. 

I urge CFPB to educate Equifax to update your internal policies to align with changes adopted by the major credit bureaus. This ensures your representatives, who are supposed to assist customers, are properly informed and do not provide inaccurate or misleading guidance.

Miscommunication such as this only adds to the frustration caused by incorrect credit reporting and may result in legitimate disputes being improperly handled.
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 NAVY FEDERAL CR UNION : Account # XXXX, Account name XXXX XXXX XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXXXXXX, Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

Applied for a Mortgage with Navy Federal on a Foreclose house XXXX/XXXX/XXXX. Pre-approval letter after some very stern phone calls XXXX/XXXX/XXXX. Loan Officer would not return your call or call from numbers that was not working for Navy Federal. We are at closing and have n't receive the HUD sheet, the Attorney Office had to let us know we will not close XXXX XXXX, XXXX. Navy Credit sent an email requesting more information XXXX/XXXX/XXXX around XXXX our time because they are located somewhere in Florida. Somebody call my cell earlier that morning but did n't leave a message, I guess it was XXXX XXXX because she did leave a message in the past from the same phone number. the email was asking questions concerning our dependent age and how much we pay for his daycare in the last two years, they stated it came from our tax transcript. Caluculated the distance my husband would have to commute and is his job relocating XXXX XXXX. Did I relocate to my current job because my Employment verification stated XXXX/XXXX/XXXX, my Employment verification letter gave them 24 years of Federal Services. Why my husband had a gap in employment, which they got from tax transcript and question income from rental houses we own. Now asking for XX/XX/XXXX tax return when we sign release form for them to obtain XX/XX/XXXX and XX/XX/XXXX tax transcripts. I can go on and on but the main thing we will not make closing XXXX/XXXX/XXXX and still have n't heard when we will close. I sent all requested documents timely and sent emails asking was anything else needed. we have to go 2 hours to close. The Navy Federal Credit Union had all requested information in a fimely fashion and now we can close on the date in the contract and talking about an extension meaning more money the buyers have to pay and some attorney do n't give or waive that fee, Navy should pay for any additional money because it 's not the Buyer fault we did n't make closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unverifiable things on my credit report. To this day over 120 days later I have not received a response verifying the unknown items on my report. I feel like I'm being taken advantage of and being ignored by my disputes. Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. I demand these accounts be deleted immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and 617 regarding the continued willful and negligent noncompliance. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my Driving Licenses and Social Security Card for  your reference. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Debt collection

I have called this company and told them this is not my account, they continue to refuse to accept it. I asked for proof to be provided, they sent me a letter with an address that I do not recognize. 
I am enclosing the letter as proof as well as my XXXX from the government that shows my address from XX/XX/XXXX to XX/XX/XXXX- I also faxed copies of the attached to the company
Product: Student loan

XXXX , as you have stated, yes nelnet has indeed sent some information. it is incomplete and inaccurate.     the information is NOT in chronological order as i have requested.     the information does NOT contain a complete breakdown AND explanation of fees charged, etc.     do you really think i would continue to ask for something i have received?     i completely disagree with the balance your company is reporting that i owe.     please provide proof. thank you.
Product: Mortgage

Hello, LoanCare / XXXX have destroyed my credit and my mother 's credit due to their incompetence in my loan servicing and reporting. My payment was sent in XXXX for XXXX and XXXX payment and I make sure that the instruction was properly relayed to LoanCare / XXXX, but they maliciously applied the payment to XXXX only and reported my mother 's and my payment late to the credit bureaus. I have spent more than 60 hours trying to have them rectify this situation to absolutely to avail. Every time I call, I'm told that a letter will be sent out to me stating that I'm not late on my payment, but up till this moment, that letter is yet to be issued. My credit score have dropped from XXXX to now XXXX from my recent inquiry of XX/XX/2020. I have never been late on my mortgage payment and this seems like a systemic bias becasue every time i call, I'm being placed on a 58 to 2 hours hold without anyone assisting me. Today I called and spoke to a Mr. XXXX ID # XXXX who then placed me on infinite hold that lasted for more than an hours with the automated system stating that there is no one available to take my call. I'm currently unable to refinance my home from a 4.75 % interest rate to available 2.50 % rate. My mortgage broker, Mr. XXXX XXXX have relentlessly attempted to assist me to no avail as well. Him and I have been calling for more than a week now. LoanCare / XXXX have destroyed my credit and now might make me loose my home. I need help asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had file dispute wirh equifax about the wrong info on my credit report multiple time but never recieved reply from Equifax.
Product: Credit reporting, credit repair services, 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 XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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: Payday loan, title loan, or personal loan

In XXXX of XXXX  I was notified by my bank that there was a debit going to Uplift Inc. which has overdrafted my account and was I aware of it. I was provided with a telephone number for the charge. I contacted the number provided and was entered into an automated call system of which I did not have the information required to be verified and continue to a representative. I tried 11 times in the next two days and finally reached a representative who I explained the situation to and requested to report the fraud. I was advised that the account had been noted and it would take 90 days to complete the process. Uplift Inc. charged my bank account another two months following before the bank closed the account due to the fraudulent charges and overdraft fees. Uplift has continued to illegally report this account on my XXXX Credit Report for the past year.