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

XX/XX/XXXX These ILLEGAL ACCOUNTS MUST BE REMOVED IMMEDITELY! 

Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 


XX/XX/2019XX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$440.00} XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$520.00}
Product: Mortgage

We are trying to get a short sale initiated with Wells Fargo - This is an FHA loan. Wells Fargo is insisting that there is a title issues - but I have provided proof that there is no title issue and the judgment on file is actually Wells Fargo 's Mortgage. I would like Wells Fargo to get this short sale opened so we can help the sellers
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit reporting agencies, including Experian, XXXX, and XXXX, for their failure to adequately handle disputes regarding incorrect information on my credit report. As a XXXX  veteran, I am particularly frustrated by their failure to properly investigate and remove medical debt that should not be reported. 

Over the past several months, I have attempted to dispute multiple inaccuracies on my credit report, including medical debt, which I believe should be removed due to its improper reporting. Unfortunately, the credit reporting agencies have failed to provide adequate information about the results of my disputes. In some cases, they have not conducted the required investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Furthermore, there are times when these agencies have not allowed me to file disputes online, restricting my ability to correct the inaccuracies in a timely and convenient manner. 

Despite my good-faith efforts to resolve these issues, the credit reporting agencies have not fulfilled their legal obligations, and the inaccuracies remain on my credit report, causing me unnecessary harm and stress. As a XXXX  veteran living with the challenges of medical debt, this situation is particularly distressing, and I believe the credit reporting agencies are not adequately addressing my concerns. Specifically, some collection debts have not been verified by certain agencies but remain on the credit reports of others. Despite this inconsistency, these debts are not being properly investigated or removed across all reporting agencies, as required by law. 

I am requesting that the CFPB investigate these matters and hold the credit reporting agencies accountable for their failure to comply with the FCRA. Specifically, I demand that they be required to conduct proper investigations into my disputes, provide clear and comprehensive results, and remove inaccurate medical debt from my credit report.
Product: Mortgage

Franklin American Mortgage company advised that I needed additional flood coverage, which I purchased and my insurance Co. sent a fax stating I had the extra coverage. FAMC maintained they did n't get the fax so I had my insurance co, send a XXXX fax. FAMC admits they received that fax and they posted it on XXXX. I received my XXXX house payment bill and it showed that I owed an additional {$48.00} for insurance which FAMC said it purchased on my behalf. I called FAMC and complained about my bill and the lady looked up my account and advised me they had mad a mistake and not to pay the extra {$48.00}. I asked her to e-mail a copy so I would have proof that I did n't owe the extra money. She stated that I would receive a confirmation e-mail between XXXX and XXXX hours. After waiting for more than XXXX hours, I again called FAMC and spoke with a supervisor named XXXX on XXXX. She too stated I did not owe the extra {$48.00} and I told her why I wanted an e-mail verification. Her reply was " I promise you I will check into it and I will call you by Wednesday XXXX. '' I still have not heard from XXXX. On XXXX at XXXX, I again called FAMC and this time I spoke with supervisor XXXX. She also said I did n't owe the extra money. but when I asked her the name or the entity that I must contact to file a complaint against FAMC, she hung up on me. I immediately called back and contacted supervisor XXXX. She said she would look into it and call me " right back. '' I asked her how many days or weeks it was going to take her to call me and she repeated " I will call you right back. '' It has now been XXXX hours and XXXX minutes since XXXX said she would call me right back. If you have any authority over matters like this, I certainly hope you suspend XXXX 's right to hold mortgages as they know nothing about running a business, let alone XXXX that hold a lien on real property. 

Thank you for your prompt attention to this matter. 
Sincerely ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a collection account on my credit report that was forwarded to Southwest Credit Systems by XXXX for an amount of {$190.00}. For non-returned equipment. The modem /router this is related to was in fact returned through a return label that a windstream representative mailed to me last year. The equipment was returned to them. They refuse to remove the collection from my credit report, because they claim they can not find the equipment. They asked me a tracking number for a return label THEY SENT TO ME! This is a nightmare and is severely damaging my credit report. XXXX is failing at their customer service. Their overseas reps often smart off to you. Make false promises to call you back. They talk over you. Will say anything to try and get you off the phone. This is an absolute nightmare and I really need help. I reached out to the collection regarding this matter only to have them refer me back to the original creditor. XXXX. At this point we are getting nowhere with this exhausting matter. Meanwhile my credit is tarnished because of this matter. I really need help. 

The account number for my old service is : XXXX The original order number for the equipment being sent to me is : XXXX The return info is something they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, has filed ( 2 ) unverified and inaccurate collections on my credit report. XXXX DOES NOT have the LEGAL authority to collect on any debt in my name or social security number. They are not following the CFPB statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company to let them know this is not mines, I have asked the credit bureaus to investigate this account as well because i was not living in XXXX in or around the time this account was used. 

Credit Management Cntrl XXXX {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Company contacted me after the XXXX cut off time Improperly abused my reports on purpose Company is abusing FICO score Company abused Truth In Lending Act Company abused Fair Credit Reporting Act Company abused No-Fear Act Company abused U.S. Patriot Act
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around XXXX - XXXX I saw a lot of pre approval on credit karma at first I didn't pay I no attention but credit karma kept sending pre approvals telling me that I was pre approved for credit cards personal loans and that I can refinance my car everyday I would see these offers every time I logged in to check my credit scores so after a few months of being told that I was pre approved I thought I was now in the perfect place to apply I got so many offers through credit karma that I started telling my whole family about vacations and investments that we were going to use these pre approvals for so I finally applied for a couple credit cards and auto refinance and loans on or around some time in XXXX and I got denied for I was distrait I was very very angry and I felt deceived I was marketed for months so credit karma told me that I was pre approved this was a lie. I was severely stressed out I was nauseous for weeks I had migraines so bad I became XXXX XXXX XXXX XXXX went from XXXX to XXXX now every time I see pre approvals I immediately close my phone and shut my computer of this has made me so un easy and XXXX that I haven't checked my credit as frequently as I should!
Product: Checking or savings account

Account has been overdrafted due to forgery. Someone wrote two checks in my name, most likely forging it. Trying to have this solved with the bank as we speak. My account still looks as if overdrafted.
Product: Credit reporting or other personal consumer reports

I was easily able to start credit freezes at XXXX and XXXX. I have tried and failed 6-7 times over the past 2 weeks with Experian. I keep trying to start a credit freeze, or register an account to start a freeze, and the website keeps having issues and saying they can't do this online. They provide a phone number to try it with, but it is an automated service and it also does not succeed at letting me set a credit freeze. When I try to call to work with logging in or getting a credit freeze going, I can not make any progress. I have tried multiple paths for getting to speak to someone there, as it seems my account is in some limbo, and I am getting marketing e-mails from them but am not even able to access or do basic tasks. Their automated phone service refuses to connect me with someone in real-time despite trying multiple different approaches. A company with so much power to ruin one 's life, especially in light of recent stolen SSNs, should not be so hard for consumers to enact basic, mandated legal protections against fraud. This is only happening with Experian. It is wasting my time, putting me at risk, and I am not succeeding at getting a hold of anyone there to reconcile this. This service should be considered for shutdown if they collect all this information on people yet don't allow us to restrict how they hand out that information.
Product: Checking or savings account

Funds were placed in my account from the SBA for my business and when trying to withdraw some of the funds ( {$10000.00} ) there was a freeze placed on the account. For months I went back and forth between the SBA and the bank and the lender of the funds about getting the funds released. Ultimately capital one withdrew the funds from my account and closed the account and I NEVER seen 1 dime nor did I ever get any motives or any further information about it. The SBA and the lender both confirmed, neither of them got the funds back. So the money was stolen by capital one because none of us ever got the money after they closed the account once it was withdrawn after the freeze by the financial institution.
Product: Student loan

Our situation is a little different than the typical " student '' debt situation. My husband graduated in XX/XX/XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with XXXX came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a XXXX XXXX. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ /hr. The 3 other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share 1 bedroom, no insurance and lots of debt. The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an IBR of {$200.00} a month. Still difficult for us but what are we suppose to do? We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address an issue with TransUnion that has significantly impacted my credit score and remains unresolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion added a remark code to my XXXX XXXX XXXX  on my credit report without any prior notice or explanation. This action caused my credit score to drop by XXXX XXXX, which has greatly affected my financial standing. On the same day, the remark code was removed by TransUnion, yet the significant drop in my credit score remained. 

Steps Taken to Resolve the Issue : 1. On XX/XX/XXXX, I called TransUnion to report this issue and disputed the remark code. During this call, the representative confirmed that a remark code had been added and removed but could not explain why it was added in the first place. 
2. The representative assured me that the dispute investigation would take 30 days to complete. However, the investigation was marked as completed just a few days later, well before the promised timeline. 
3. Upon reviewing the results of the investigation, I noticed that my XXXX XXXX account still included remarks and historical trended data, suggesting that the remark may not have been fully removed. 

Ongoing Concerns : I am still unclear why the remark code was added to my account in the first place. The representative I spoke to was unable to provide an explanation. 
The addition and subsequent removal of the remark code caused a significant and unjustified XXXX drop in my credit score, which has not been restored. 
Despite the dispute, it appears that the remark and its impact on my credit score are still present, as indicated by the results of the investigation and the data on my XXXX XXXX account. 

Desired Resolution : I am requesting the following actions to resolve this matter : 1. Immediate removal of any remaining remarks or data related to this incident from my XXXX XXXX account on my credit report. 
2. Full restoration of my credit score to its original level before the remark code was added.

3. A clear explanation as to why this remark code was added in the first place and assurance that this will not happen again. 

This situation has caused significant stress and financial inconvenience, and I am seeking your assistance to resolve it as quickly as possible. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Capitol One to pay off my credit card balance which was {$290.00} The representative asked for my routing and account number to make the payment. I stated to the rep that I will be using my sister 's routing and account number to make the payment. The rep said it was ok and took the routing and account number. On XX/XX/XXXX I checked my account and noticed there was no payment made. I called Capital One to see why the payment didn't post. The rep stated that the routing and account number was not correct. I asked the rep why didn't they notify me of this issue and the rep informed me that they don't notify customers, it's up the the consumer to check their accounts. I asked the rep if he could repeat the account and routing number that was given to make the payment. The rep couldn't give me that information but stated they tried to take the payment from MY checking account and not my sisters. AGAIN i did not authorize the payment to be taken from my checking account. I spoke with a supervisor to express my dissatisfaction. The supervisor apologized and waived the late fee. I gave permission for my sister to speak with the supervisor to make a payment once again with the same account and routing number. I informed the supervisor that I would like to add my sister as an authorized user but I don't want to add her until my credit card reflected a XXXX balance. The supervisor took the payment. The next day I checked my credit card balance, it stated a XXXX balance, so I added my sister as an authorized user. On XX/XX/XXXX, I checked my credit card balance and noticed the payment still did not post! I viewed my checking account and noticed capital one attempted to take the payment once again from MY bank account! The funds were not in my checking account and this caused my bank account to go into the negative in addition, my account showed a " bounce check ''. I called back to speak to another supervisor who was not cooperative and refused give me the others supervisors name that took the payment. To this day there is still a balance on my credit card that I've tried to pay multiple times. My credit card balance is reporting 99 % and this situation has dropped my sisters credit score by 40 points. I've had this account for 11 years never late. I'm furious and this is unacceptable. 

Eventually i was given the supervisor 's agent ID # XXXX I really needed that payment to post before my cycle date ( XX/XX/XXXX ) for credit purposes. This situation has delayed my personal and business endeavors tremendously and again, I'm very dissatisfied and this is unacceptable.
Product: Vehicle loan or lease

GM FINANCIAL violated 15 usc 1601 ( a ) uninformed use of credit under truth in lending act. Also violated 15 usc 1692f ( 6 ) which states taking any nonjudicial action to effect dispossession or disablement of property. Also violated 15 usc 6802 which states a financial may not disclose nonpublic personal information to a nonaffiliated third party. Also violated 15 usc1681 section 602 A. states I have the right to privacy.
Product: Mortgage

Hello XXXX XXXX, Attached is further evidence of the contract breach on behalf of PRMI for your review. 

Section 19 of Security Deed where Breach occurs Evidence of Sale of Note/Transfer of Service to XXXX Evidence of Communication Post Sale to XXXX Evidence of Payment Confirmation Post Sale to XXXX Evidence of electronic funds transfer payment to PRMI Post Sale to PUF Statement from Nationstar DBA XXXX XXXX PRMI Notice of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for your review ) XXXX XXXX XXXX We need not be at odds ; the Breach has been proven with substantial Evidence. I implore you to work with me for the continued prosperity of your company. I look forward to hearing from you by XX/XX/2024 with my orders delivered regarding DEED OF DISSOLUTION OF SERCURITY DEED BY GRANTOR FOR LACK OF EXECUTION BY BENEFICIARY. 

XXXX XXXX XXXX
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. XXXX XXXX XXXX Account Number :XXXX  and XXXX XXXX XXXX Account Number : 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. 15 U.S.C 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692b ( 5 ) - Acquisition of location information not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I the federally protected consumer have been VIOLATED by EXPERIAN. I've been calling them for multiple days now and yesterday I tried to get in contact with a supervisor and they told me a supervisor would call me back in an hour which NEVER happened. I called again today and I finally was able to get ahold of a supervisor I told her there is inaccurate information on my consumer report and ask what investigation did EXPERIAN conduct to make sure this information was accurate. she told me NO INVESTIGATION was done to verify the validity or the accuracy of the information. I told her the information was inaccurate and that I never even gave consent to have my private information furnished in the first place and asked that the inaccuracies be removed from my consumer report. she told me that BY LAW they don't have to remove anything and as a BUREAU. I know that information is FALSE because EXPERIAN is NOT a bureau they are a credit reporting AGENCY. the CFPB is the ONLY BUREAU and the information she was giving me was already inaccurate from the beginning. the CFPB has recently released an article proving that EXPERIAN has not properly handled customer disputes and proper investigations were not being conducted. I told her that the company is infringing on my right to privacy and is reporting inaccurate information and she HUNG UP ON ME!!! this is a violation of my consumer rights 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681c ( a ) ( 1 ) and 15 USC 1681b ( a ) ( 2 )