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

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX XXXX XXXX XXXX  ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report. 
2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report. 
XXXX. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report. 

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights. 

Thank you for your prompt attention to this serious matter.
Product: Mortgage

Good Morning, I am having an issue with my flood insurance which is being required by SunTrust Mortgage. I obtained a flood policy from the XXXX for the dates of XX/XX/XXXX-XX/XX/XXXXfor {$720.00}. Suntrust paid this policy to XXXX from my escrow on XX/XX/XXXX. I then had another year of flood policy from XX/XX/XXXX-XX/XX/XXXXwhich Suntrust paid to XXXX for {$720.00} from my escrow account on XX/XX/XXXX. On 6/14/18, nearly two years after the first flood policy Suntrust stated that the zone on the policies was incorrect. They charged my escrow account for a lender placed policy with a charge of {$2200.00}. Because this is 20 months after the policy I can no longer get XXXX to change the zone ( not to mention XXXX has sent several FEMA issued documents stating that we are in zone X which I have shared with Suntrust but they will not acknowledge them ) and I am now stuck paying both the {$720.00} original charge and the {$2200.00} charge for the same flood coverage period. Suntrust is also about to charge me another {$2200.00} for the second policy period. I asked if I could get a refund from XXXX for the {$720.00} since Suntrust will not recognize that policy and they can not since it was already paid. I'm not sure why Suntrust is paying these policies and then coming back years later and saying they are invalid and charging me three times as much for lender placed insurance ( 4 times as much considering I can not get back my payment to the XXXX back ). My escrow account is being severely overcharged causing my monthly payments to increase by a large amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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: Mortgage

after submitting a complaint with cfpb i received a a letter dated XX/XX/XXXX which i didnt receive until the first week of XXXX. during this time i started receiving calls from XXXX XXXX. he would call around XXXX XXXX whike i was at work> i wasnt able to return her call until XXXX XXXX XXXX  but it would go to voicemmail so i left a message. the letter finally came so i contacted XXXX about accepting the payment option so i sent the amount on for XXXX first. phh cashed my check no guestion. so XXXX XXXX i sent the next payment. i never received anything until XX/XX/XXXX. i received a letter that they would not be cashing my check and they would be sending forclosure information to their attorney.why would they cash the XXXX check if they would not follow thru with it. also in XXXX the insurance company that insures my house sent me a notice that our police would be cancelled. i immediately got new insurance and then 3 weeks later i received another ketter from the insurance company that phh paid the bill so i now had my policy reinstated.
Product: Debt collection

XXXX XXXX XXXX sued me for a debt that was not mine. They said it was from a credit card I had in XX/XX/XXXX and they were garnishing my wages XX/XX/XXXX XXXX a court order I knew nothing about because they sent the summons to an address I had n't lived at since XX/XX/XXXX. I tried to call them to let them know and they were extremely rude. I found an old credit report filed away that said I had that card and it was opened the same day as the one I was sued for but the account numbers did not match up. I called XXXX and they said it was my debt and did not want to hear what I had to say and when I asked if they could give me proof they said the original debt collector ( Chase ) had the info. When I called Chase they asked me for the account number and my SS # and told me it did not match the account and I would have to call the 3rd party debt buyer. When I called XXXX back with the findings they told me that they owned the debt and Chase should not have told me any thing when I called Chase back the next day they refused to talk to me any more that the account was locked and told me they could not help me which I thought was weird because the day prior they were able to at least tell me the account was not mine. I live in XXXX and was sued in XXXX courts because that is where I lived when the debt had originally occurred so I had to miss multiple days of work and try to figure it out and get help. I was able to get it vacated because I had prof that I did not live at the address the summons was sent to. They were ordered to pay me back all garnished wages. They did pay me back everything but {$5.00} which I was tired of fighting with them and do not have the time to fight for it. I do have all documents needed to prove my case. During all of this I did keep calling them to see if they would listen and some were OK to me and others were down right rude. I actually had a guy that said I do n't pay my bills and he pulled up my credit profile and was naming off medical bills that were past due, told me I was cunning, and he did n't have time to talk to me because he had to talk to people that were actually willing to pay their bills.
Product: Credit reporting or other personal consumer reports

In accordance whit the fair credit reporting act account XXXX XXXX XXXX XXXX XXXXXXXX, 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 connot furnish a account without my written instrucctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found errors on my credit report and wrote letters to Transunion, XXXX, and XXXX  on XX/XX/2020 asking them to remove the inaccurate information. I didnt received any letters stating why the items were placed on my report. I demand each item removed as it is inaccurate and is passed the 30 days. 

Thanks
Product: Student loan

I made additional payments towards XXXX specific loan each month : I would choose the 'do not advance my payments ' option but each month when the automated debit would be drawn from my account, the monetary value towards my loans would be re-allocated across all loans and not put towards the loan that I had made an extra payment on. Hence the money was not put towards the principle of the XXXX specific loan, but spread out over interest of all the other loans. This happened every month from XX/XX/XXXX, to XX/XX/XXXX I would call every month and have it fixed, and complain that I call monthly, then it was finally fixed in XX/XX/XXXX. I worry that the additional payments, or the large payment I made before payments were required, ( prior to XX/XX/XXXX ), were allocated incorrectly. 
It was a {$10000.00} payment, so if it was done incorrectly it would help a great deal to have that looked at and fixed.
Product: Debt collection

XX/XX/XXXX I was contacted by Ally Financial in regards to my ex-husband XXXX XXXX XXXX. I explained that we are divorced and the rep kept asking for more information. This is unacceptable. He used to XXXX XXXX  and had XXXX XXXX so not only was it extremely triggering, this company found my new phone number and decided to contact me using it. I have been divorced from XXXX XXXX XXXX since XXXX, whatever debt he had incurred after being kicked out of the XXXX is not my problem or my concern. Let alone contacting me about my XXXX XXXX on a Saturday morning. It is extremely unprofessional and a cease and desist has been sent via-email to Ally Financial, if this continues I will be seeking legal counsel. I am in no way involved with his debts and I have never had any dealings with Ally Financial.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XX/XX/XXXX - {$350.00} AMEX - XX/XX/XXXX - {$0.00} On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company called XXXX XXXX XXXX is reporting to the TransUnion Credit Reporting Agency an account that they had purchased while there was an open dispute with the original creditor. This same account was removed from my XXXX credit report after I filed a complaint with the Consume Financial Protection Bureau.

The Original Creditor was reporting Incorrect Historical payment & info. The account does not show payment I have made on XX/XX/XXXX for {$140.00} The dates that the account 1st became late is wrong. The account was charged off on XX/XX/XXXX for {$220.00} The account would have been late before XX/XX/XXXX when it was charged off. 
Attached are supporting documents including the previous CFPB complaint
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX Owed : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA NA # XXXX, Date Opened : XX/XX/2015. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA NA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Collection : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated the Fair Credit Reporting Act by not conducting a reasonable investigation as required by the Fair Credit Reporting Act. On or about,  XX/XX/XXXX   ,  I obtained my credit file from  XXXX   XXXX . I noticed that an account from  XXXX   XXXX   XXXX  was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out a letter to Equifax disputing that this account from  XXXX   XXXX   XXXX  was time-barred and needed to be deleted from my credit file. Equifax wrote back stating that  XXXX   XXXX   XXXX  verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for Equifax to send me my credit file with all information that they used to verify this account from  XXXX   XXXX   XXXX . I then wrote to  XXXX   XXXX   XXXX  and asked them to send me the information that they had regarding this account but they have not done so. If  XXXX   XXXX   XXXX  did not have the information to verify the account with me, how was Equifax able to verify that this account was accurate? Who did they speak to? and what information did they look at? Upon my further investigation, Equifax also listed the account with an incorrect past due balance, inaccurate opening date and inaccurate late payments. I recently applied for a credit card which was declined because of Equifax 's inaccurate information about me.  <P/> The account I am referencing to is :  XXXX   XXXX   XXXX  Acct #  XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested an investigation with regards to these accounts Being reported on my consumers report. I did not receive a response with regards to my request. I followed up in XX/XX/year> requesting yet another investigation into the suspicious account and I did not receive any response from Experian with regards to my request. It is my understanding that the credit bureaus must report, complete, true and accurate Information about me, however it has been over XXXX XXXX and I have not heard anything about the investigation I requested. These accounts has done a massive amount of damage to my credit and has damaged my ability to obtain credit and also employment. I have attached each letter That I have sent to Experian. They have violated my rights and I have suffered because they have failed to do their job
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is deliberately passing reporting obvious inaccurate information. This is my third or fourth time requesting a Line by Line investigation, and or that these accounts be deleted because they are inaccurate. You and I both know that you are Not doing a proper investigation In Accordance With ( XXXX ) the Fair Credit Reporting Act. How many times do I have to bring the fact that you are reporting Inaccurate information to your attention, which you and I both know is a Blatant violation of my federally protected rights. I prefer to work this at the lowest level, but you are leaving me no choice. I need these corrections to be made and inaccurate accounts deleted. Incorrect Names 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 accordance with 15 U.S. Code 1681s2 - ( b ) ( XXXX ) ( D ) Responsibilities of furnishers of information to consumer reporting agencies this information must be deleted if the investigation finds that the information is incomplete or inaccurate, report those results to All other consumer reporting agencies to which the person furnished the information and that maintain files on consumers on a nationwide basis. Accounts Deleted off other Credit Reports 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 These accounts and inquiries have been deleted from my Transunion and XXXX XXXX XXXX. In accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated reinvestigation system ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting act, these accounts are in violation of my rights. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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. I am tired of asking the credit bureaus to delete these inaccuracies and to stop violating my rights.
Product: Payday loan, title loan, or personal loan

I have an inquiry from One Main financial and i did not request any credit from their company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Dispute of Charge-Off Entry on Credit Report To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements . 

The inaccurate entry is as follows : Creditor Name : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity.

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA.

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau. 

Upon contacting the three major credit reporting agencies, I discovered that two of the three credit Reporting agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so.

By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially.

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.