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

NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACCOUNTS. Nor did I have a account with - XXXX XXXX XXXX  {$96.00}, on XX/XX/XXXX. 
I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. IF YOU CAN NOT produce THESE DOCUMENTS Please DELETE these Inquires and accounts- XXXX XXXX XXXX- {$96.00}, on XX/XX/XXXX, and also XXXX XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am a real person and this is not the same dispute. No services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
Please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 


Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!!
Product: Debt collection

they contact me and i pay that deuda then dey report on collection
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX  Bank ( Account Number : XXXX ) regarding inaccuracies in the late payment reporting on my credit file. The account is marked as closed, but the report shows two late payments ( 30 days and 60 days past due ), which are inaccurate and unverifiable. I previously disputed this issue directly with XXXX XXXX  Bank, but the reporting remains unresolved. 

Details of the Dispute : Late Payments Reported : XXXX XXXX  Bank reports two late payments ( 30 and 60 days past due ) for an account that is closed. 
These late payments do not match my records and are not supported by any documentation provided by XXXX XXXX  Bank. 
Lack of Verification : I have requested proof of the reported late payments, but no documentation has been provided to validate these claims. 
Inaccuracy of Reporting : Under 15 U.S.C. 1681e ( b ) ( FCRA ), XXXX XXXX  Bank is obligated to ensure that the information reported is accurate. 
Under 15 U.S.C. 1681c ( a ), any negative information older than seven years must be removed. If these late payments are older than seven years, they should be removed.
Product: Vehicle loan or lease

I been financing a vehicle from XXXX XXXX sale located here in XXXX Mississippi! Ive had my car two years but XXXX sold my account to a business called XXXX XXXX XXXX XXXX I have spoken to several representative about my auto loan and my balance! When they switched companies my payments wasnt transferred from XXXX so its looks like I still owe more than I should! They are over charging me for this vehicle and I know for a fact my balance should be a lot lesser than I see! I have asked them to check my balance because I dont owe that much on my car! These people are taking advantage of the community with this undisclosed interest amount and not seeing my balance go down at all! Just giving an estimate looks like Ill be almost paying {$23000.00} for a loan that was only supposed to be close to {$16000.00}. They are also reporting false amount of payments on my credit report that Ive asked them to correct. I just need help so these people can stop taking advantage of the community/myself! We need to be heard about how these dealerships are messing over their customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX  XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} 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: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION refuses to provide an explanation or reasoning as to why my credit score keeps going up XXXX points and then down XXXX points every two weeks with no change reasoning. Something isnt right and I demand an answer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Portfolio Recovery reported a collection on my credit report on XX/XX/2022. I was unaware of this debt until I reviewed my credit report. Portfolio recover has never contacted me nor sent me a validation letter that would make me aware of this debt or give me the opportunity to dispute the information. I disputed this with the Credit Bureaus who have not been able to provide me with a copy of the contract signed by me. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Rocket Mortgage ( loan officer XXXX XXXX ), formerly Quicken Mortgage, was the victim of likely mortgage fraud resulting in the theft of my equity interest in my home. Without my knowledge, my father in law sold my husband our home, declaring my husband an " unmarried man '' according to the Deed of Trust dated XX/XX/XXXX. My husband then took out a loan with XXXX XXXX to buy our house ; he declared on the loan documents that he was single. As a result of my husband 's intentional misrepresentations, the deed to our home only lists my husband 's name, lists him as an unmarried man, and lists him as the sole owner of the property. My spousal property rights have been denied. 

I spoke to Rocket Mortgage about the matter around XX/XX/XXXX, however, they were unapologetic and they were unwilling to honor the public fiduciary duties by reporting the fraudulent loan to the FBI for investigation and prosecution. 

I am writing to you to complain about their lack of interest in protecting consumers from having their assets swindled ; the public should carefully consider doing business with this company. 

Please contact me for further details.
Product: Vehicle loan or lease

This account has been closed and settled I am requesting that it be removed from my credit report
Product: Credit reporting or other personal consumer reports

This is a formal complaint that I would like to inform you that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I assumed that they rectify these violations and provide me with accurate and updated credit report immediately. I demand a faster deletion and appropriate remedies as per the law. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I am pleased to request the removal of the fraudulent items associated with the mentioned items, as thay were negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} XXXX XXXX AV XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$210.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Checking or savings account

On or before XX/XX/2022, an account with NBT Bank had a security breach. As Power of Attorney for the account holder, I contacted Customer Service to report the security breach. 

Customer Service had no POA documents on file and requested them. Luckily we were able to get the account holder on the phone and she requested the security breach response. 

Customer Service gave us an email, XXXX, to send POA documents too. On XX/XX/2022, at XXXX est, POA document were sent. At XXXX that same day, we were asked to get an Affidavit Power of Attorney and sent a blank form. 

On XX/XX/2022, The Affidavit was signed and certified by a Notary Public, who was also an attorney who review the documents as well. They were scanned with some additional information needed about myself who is the agent. 

The Bank then denied the power of attorney documents, because they were not original or a certified copy, despite being the scans of the originals as requested by the Bank with a Nortized affidavit of power of attorney with the documents. 

This is not the first time I have had this type of issue with NBT Bank. The Local branch in XXXX NY does not have a manager and the workers there will not help or even talk with me about POA. Moreover, the declination came via email with no explanation. We were told to contact customer service - who promptly hung up on me, transferred me, and then sent me to a random voicemail unaffiliated with the company. 

NBT Bank is currently withholding access to this account that I have legal power of Attorney over. Why would waste time and money on a Power of Attorney document if we can't use it? It seems ridiculous that NBT Bank and other financial institutions and regulations have a misguided stance on POA. The agent has the authority of the individual, plain and simple. The Document wouldn't have gotten signed and filled out by the individual, the public notary, or the lawyer who drafted it ; if they didn't know what they were doing and what power they were giving the agent. It is not NBT bank 's responsibility to advise their customer on legal matters, it is actually frowned upon. They are not the judge and jury in this situation, the account holder is. If something nefarious happens, it is on the agent, whom they have a record of, not the bank.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I responded to an online Ad for a free consultation with XXXX XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation 3 days cancellation rights ended on 3rd business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX. and XXXXXXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I CHECK MY CREDIT ON  XXXX / XXXX /  XXXX  , FOUND A MEDICAL BILL FOR {$710.00}, I NEVER RECEIVED A LEGAL NOTICE, NO VERIFICATION OF DEBT,, AND NO NOTICE TO DISPUTES THE DEBT WITH A 30 DAYS.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$7100.00} XXXX XXXX XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX  XXXX {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since early XXXX when I read about the Equifax security breach I have been trying to sign up for the free credit monitoring service offered by Equifax. Early attempts did not allow me to access the web site. Since that time I have called many times. Too many to recall, but now I have started to email my complaints to Equifax. Their website indicates my information was compromised, so I tried to enroll for credit protection from their promised services. I have made five attempts to date by phone, the last phone call was about 30 minutes ago to XXXX. Each time I get to the question of last four numbers of social security and date of birth, their system indicates information does not match. I called Equifax at XXXX on XXXX/XXXX/XXXX. A woman gave her name as XXXX and she laughed at me when I gave her my information. I immediately called back and requested a supervisor, a man answered and said no supervisors are available but he would take my information and someone would get back to me. No one called back. I complained by email to Equifax customer care at XXXXXXXXXXXX at XXXX on XXXX/XXXX/XXXX. Sent another email at XXXX on XXXX/XXXX/XXXX. Called again on XXXX/XXXX/XXXX and was told to wait 24 to 48 hours to reset password, Tried to log in today and was shown on screen password reset expired.Just now a man from XXXX told me he is from Equifax and XXXX XXXX and he told me I have to send a copy of my social security card and a copy of my drivers license to a yet determined address. He said they have to prove my identity first. I continue to get the run around from Equifax so I need your help to get to the bottom of this fiasco. This fiasco is my personal credit report and my ability to obtain credit.
Product: Mortgage

I was working with Webster bank on securing a mortgage loan. I locked in a rate of 3.75 % on XXXX XXXX, XXXX. Throughout the process, we tried a few different loan options, and ended up with a conforming loan for XXXX, and a separate HELOC loan for the remaining amount. Closing was set for XXXX XXXX, XXXX. I was sent a disclosure on XXXX XXXX, XXXX for the conforming loan, with the rate changed to 3.875 %. I brought this difference up with the bank, and they claimed the rate was slightly changed due to the different loan options. At .125 % difference, I decided to drop the issue. On XXXX XXXX, XXXX, 2 business days before closing, I received a closing disclosure for the side loan, with an interest rate of 5.42 %. This was a complete surprise. The last minute change gave me no time to rectify the issue, and I was forced to close with an interest rate that was not agreed upon and not disclosed ahead of time. I have tried to talk to the bank, but they insist that the loan lock did not apply due to different options, and that the disclosure did not need to happen for a different rate.
Product: Debt collection

Received a call at XXXX XXXX today from a no caller id advising me I was being contacted about a fraud investigation and asked me to call XXXX at XXXX to clear my name. Upon my call and after multiple transfers I was sent to XXXX XXXX whom introduced himself as the general manager. I was informed of an old payday loan that was taken out XX/XX/2016 that was sent to collections due to being return from my bank and I was facing theft by deception along with many other criminal charges and would be arrested under Alabama title 12 if I didn't pay the check amount of {$580.00} plus attorney fees bringing the total due to {$3900.00}. I explained to Mr. XXXX I was unaware of the check he was referring to, not denying but needed further clarification or information prior to any commitment I was willing to make beings I have not received any collection notices from anyone regarding this debt. I was informed by Mr. XXXX that this was not a collection agency but a3rd party criminal investigation company trying to verify my address to issue warrants. However since Mr. XXXX became hostile with his threats of jail time and his non compliance with providing me with information on said debt and Mr. XXXX denying my request to be transferred to someone higher than him, I hung up on him after a XXXX  min XXXX  second conversation. Something needs to be done with this company, Debt collection is a civil matter & it is against the law for debtors to threaten criminal action for non payment of a debt under Fair Debt Collection Practices Act
Product: Bank account or service

This is a response to my case # XXXX. I do get the decision on cashing a third party check. I was hoping the bank could make a more humanized choice but they have policies that I get. I do however have a huge problem in US Bankcorps response which was not accurate what so ever. They stated I attempted to deposit my check at XXXX branch ... NOT TRUE It was XXXX as in my claim. They stated after the check was returned I took it to XXXX branch and bank staff refued. That is a total LIE. that never happened I have never been to that branch. Lets get this right. I went to the XXXX branch to see if the check was real..like I stated in my complait. The teller took a copy and was to phone me back, which after three days of no response I then deposited it in my ATM. In banks response it says management informed me not to deposit.NOT TRUE. I was the one after the check was returned to call the supervisor who I had to call 3 times before my call was returned. She then told me about not being able to cash a third party check. I want acknowledgement from the bank it is their duty to get the story straight and not make I seem I deposited the check after being told not to. The part about me take the check to XXXX branch or any branch to cash is a lie. This response makes me sound like a person who is not reputable, so US BANK COPRS get your story straight before sending back totally inaccurate stories.