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

To Whom It May Concern, Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report.

The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity.

Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information.

Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met.

To resolve this matter, I require the following : Immediate correction of the
inaccurately reported account ( s ) on my credit report to comply with the FCRAs standards. 
Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information. 
Written confirmation of the actions taken to address my requests as required under the FCRA. 
Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred. 
Thank you for your prompt attention to this serious matter. 

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

Since XX/XX/XXXX every 7 days someone been trying to open a credit card, checking and online account in my name at XXXX credit card. Since XX/XX/XXXX to XX/XX/XXXX they try 16 times. I spoke to a fraud representative at discover, XXXX XXXX and m & t bank card and they are looking into the situation and also put an alert on my name.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I went to XXXX a store rep asked if I wanted to open a credit card, I stated that I would. I gave her all of my information, and a few moments later she informed me that I was denied the credit card. After that, I did not hear back from XXXX, no denial letter. However, I checked my credit report and it stated that an XXXX credit card account was closed. How can an account be closed when I was never given a card, and told I was denied?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following inquiries as I did not grant permission : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I 've had a Costco Visa credit card for 3 months. Every month I make a one time payment for all my purchases with my XXXX XXXX checking account that is linked to this credit card. A VERY excessive payment hold is placed by Citibank after they have already received the money. Because of these excessive payment holds I 'm unable to use the credit card because they do not adjust the available credit. Payment hold times after Citibank receives the funds are so excessive this seems illegal. I spoke with a Citibank manager via phone who stated that he totally disagrees with this practice. He stated " once a payment posts we should not continue to place a hold on that available credit for such a long time ... sometimes up to 2 weeks ''. Unfortunately, the only way to remove this hold is for customers to call Citibank and request a 3-way call with their bank to confirm payment. I 'm considering closing this account because the time I spend each month with Citibank making that 3-way call is a lot more valueable than the benefits this card offers.
Product: Money transfer, virtual currency, or money service

I get ssi and my friend was my payee. Well my friend had everything of mine because I'm XXXX. When she took me to the bank to go get us a bank account for my ssi and ssa can go on there every month. Well the whole time i didn't know what was going on at the bank i didn't know what they where saying to us. Well we got a bank account. So we left and she my payee so i couldn't do anything about her having everything of mine. Well she put a check deposit into my account with someone else is name i told her she can't do that. She said i can't do anything about it because she was my payee and there not going to listen to me anyways because i was XXXX. So please help me out in take her to jail
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2022 I took out a credit builder loan with money Lion. I then became jobless and couldn't keep up with payments and the loan was sent to collections. I had tried to resume payments before then but the app was glitching and telling me the loan was paid off. Once in collections, I keep getting dings on my credit report ( including one in XXXX of this year ) saying I'm 30 days late on a payment. How can I be 30 days late on a loan that will not allow me to pay and is showing as paid off? I tried contacting customer service but they were absolutely no help and basically told me I needed to pay the loan ( that has already gone to collections ) without giving me a physical option to do that
Product: Credit reporting or other personal consumer reports

I dont know whats going onthis morning, I found inaccurate accounts on my credit report, and it makes no sense. I always check my report regularly, and Ive never had this issue before. I even tried refreshing the page to see if it was just a glitch, but the accounts were still there. Im begging for someone to carefully review the documents I provided so I can stop worrying about this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

In regards to first complaint, things are astronomically worse if you can even comprehend that ... please see below : I have tried NUMEROUS times to modify my home mortgage loan with Bank of America. After my home loan conception with Countywide, BOA did in fact start my home loan modification and it took it over 3 years and now they are CONSISTENTLY requesting documents I 've sent them MULTIPLE X MULTIPLE TIMES!!! They continue to say I 've filled them out incorrectly, specifically my XXXX ... but I know I 've filled it out CORRECTLY. They finally sent out a Representative many times to collect and notarize the document that " they filled out, I signed and they took with them to turn in '', each time I was promised it was correct. To turn around ... BOA says it 's incorrect!!! What do I do?? BOA is about to foreclose on my home come XXXX, XXXX, 2016 and wo n't work with me, offer help or clarify what they need. When they tell me what they need, I submit, then " my case worker '' calls me rudely every time and asks me for them same thing again every time!! I FEEL THEY ARE PROCRASTINATING WAITING FOR ME TO FAIL AND FORECLOSE! What do I do to help me and save my home? Something 's WRONG HERE. Please, Please, Please HELP!! 

Things have not only gotten worse but escalated beyond my control and I need HELP PLEASE! Anyone, anything! Should I call the news? 
BOA HAS NOW SAID AFTER 8 MONTHS OF THIS XXXX LOAN REVIEW PROCESS YHAT ALL OF MY DOCUMENTS HAVE EXPIRED AND I NEED TO RESUBMIT DUE TO A " NEW UNDERWRITER TAKING MY CASE BECAUSE ORIGINAL XXXX CHANGED PISITIONS .... Now a new set of guidelines, rules and more of not just the same requests being submitted. I more confused than EVER before on what this new underwriting needs and NO ONE COMMUNICATES XXXX CALLS BACK. New documentation requests estate I need to show/prove things " from previous conversations '' ... Those in which I never had because I 'm lost as to what they 're talking about!!! TOP IT OFF, I 'm apparently 6 months in the rears of payments because my husband and I XXXX been paying mortgage payments out of XXXX asked are accounts with phone representative each mo th.. Turns out that 's payments were never credited to my mortgage rather lost in " miscellaneous postings '' because they were n't XXXX full payment! They can neither apply the payments nor fix the fact that IVE PAID MY MORTGAGE DURING THIS TIME! I am now apparently {$4200.00} + behind and was told UNLESS I PAY FULL BALANCE NO PAYMENTS WILL BE ACCEPTED!!!! Please help, I know this has to be illegal, right??
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX of XXXX RE : XXXX XXXX 've previously requested my credit report from you & I received notice that you verified certain items on my credit report from the following companies : 1. XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX XXXXPlease tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? Supply your response within 15 days or delete the trade-lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried in many occasions and in different forms to contact the credit bureaus Transunion, XXXX and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. 
Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. 
the accounts in question are as follow : XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Bank Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate, unverified, and outdated information currently being reported on my credit reports by various creditors and collection agencies. As a consumer, I have the right to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ), and I believe the information outlined below violates these rights. 

Addresses and Employers : There are multiple discrepancies and outdated information regarding my previous addresses and employers that need to be corrected or removed : Addresses : 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  These entries are either incorrect or outdated and need immediate correction or removal from my credit reports. 

Negative Credit Information : The following accounts are being reported inaccurately or without proper verification : Charge-Offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reason to believe that the creditors and collection agencies reporting these accounts have failed to verify the accuracy of the information, as required under FCRA Section 609 ( a ) ( 1 ) and Section 611. Additionally, I have not been provided with proper documentation to substantiate the validity of these debts. 

Request for Relief : I am requesting that the CFPB intervene and investigate these matters. Specifically, I ask for the following : An investigation into whether the creditors and collection agencies have complied with their obligations under the FCRA. 

Verification of all disputed information or its removal from my credit reports if verification can not be provided. 

Correction or deletion of outdated and inaccurate personal information, including addresses and employers. 

Please let me know if additional documentation is required to proceed with this complaint. I am prepared to provide any further information needed to support my claims. 

Thank you for your attention to this matter. I trust that the CFPB will act to ensure that my rights as a consumer are protected. I look forward to a prompt resolution of these issues. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought my car in XX/XX/2022 from XXXX. I reached out several times to the comps because the car was damaged upon delivery. They ignored me and finally responded after my return window had expired. It is now XX/XX/2022. My car is still not registered. Ive emailed, talked with their escalation team, and my state attorney general. Theyve sent several POAs and Ive sent them back. Each time I call for an update they cant give me an answer. They tell me if I get pulled over to show proof of purchase which doesnt even look legit. I was pulled over 2x because my temp tags have been expired since XX/XX/2022. The temp tags were only good for 10 days. I have stopped paying on the loan since I can not even drive the car legally. Its sickening that I bought this vehicle and cant even drive it!!! I have no transportation due to this company!
Product: Credit card

Back on the night of XX/XX/XXXX, I was out with friends and my XXXX and wallet were stolen from me. Over the next few days, over {$7000.00} in charges were rung top on my Apple Card because the passcode to bypass the XXXX feature on the XXXX was my birthday, which was on my driver 's license. My license was in my stolen wallet, so any savvy thief could have easily deduced how to access Apple Pay on the phone regardless of the XXXX protection. For nearly 18 months now I have had to call the Apple Card/Goldman Sachs fraud line every 90 days to have these charges removed. They repeatedly make me go through the process of sending the police report and statements from my other credit card provider ( XXXX XXXX  ) showing that THEY removed the fraud charges incurred on that card. I also had to replace my driver 's license and create a new checking account with my bank, but Goldman has repeatedly investigated and told me that it was ME who spent this money. I have also told them that the businesses that the money was spent at were far outside the normal spending habits I had built ups on the card. As an Apple Card, it was primarily used to finance Apple products, with the rare purchase at XXXX, where I was employed at the time, or a rare fast food purchase. Today, XX/XX/XXXX, I received another round of emails telling me my fraud disputes were denied once again. I am attaching the police report, the email initiating my closing of the first checking account, and the XXXX statement for your reference. Please contact me if you have any questions and I am more than happy to speak to you about this experience.
Product: Credit reporting

I RECENTLY CHECKED MY CREDIT AND NOTICED A XXXX XXXX XXXX SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED XXXX VERIFIED ITS MY ACCT SO I CALLED XXXX TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER .. 
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Managing the loan or lease
Product: Debt collection

I have disputed with a collection agency by the name of Convergent Outsource stating an inaccurate entry of an account on my credit report by their company. They have made a claim stating that I owe the amount of {$1200.00} which I do not. 

I have reached out to them on XX/XX/2019 and XX/XX/2019 requesting again to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have an obligation to pay them. They have failed to submit any contractual agreement with my signature with Convergent Outsource. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

According to FCRA & FDCPA, it is in violation to report any inaccuracy on a consumer credit report if there is no validation of the debt, they must request that all crediting reporting agencies delete the entry. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have legally binding contractual obligation to pay you the alleged amount. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.
Product: Mortgage

My Home Owners Insurance premium payment is due on XX/XX/2019, failing which the insurance coverage will be terminated and I will be out of coverage. The amount for the insurance are escrowed and there is sufficient funds available in my Escrow account to cover for these payments. However, the MyLoancare has not yet made any payments to my insurance company. 

When I reached out to them today, they tell me that there is a service hold on my account and that my payments are not going to be made on time. The customer service agent couldnt not provide any more information beyond this and they were not sure if the payments were going to be made on time. This is totally unacceptable. Am I supposed to be following up and finding this out the last day myself? What if I never called up to check the status? Would I have never been informed that my escrow payments are on hold? I have opted for E-statements and e-communications. So if they ever notified me of any such delays, I would have instantly received information about it. So far, I have not received any communication about it through email or by postal mail. 

And most importantly, what is MyLoancare going to do if my Insurance is cancelled? Am I supposed be staying without insurance coverage? Who is going to pay late payment fees or any increase in payments now because the renewal rate expired?