23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF XXXX XXXX XXXX US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not the borrower XXXX XXXX Account # XXXX Account holder not the borrower XXXX # XXXX Account holder not the borrower XXXX XXXX XXXX Account # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I contacted Minto Money to ask for a detailed statement on XX/XX/year> since the information is not available on my online account. I have been paying bi weekly on this loan for 2 mths and the amount isnt decreasing at all. I have beem paying XXXX. XXXX and it was a XXXX loan but still owe over XXXX dollars. I was informed that they do not do statements and can not tell me how much of each payment has been applied to my loan. They gave me the email address which I emailed the company to ask for this information and have not received it. This information should be available to every customer especially since this is a financial institution their should be full transparency and I should be able to easily access this information at any time. This company is predatory and taking advantage of its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX mastercard account that is not showing on my credit report ... this is not accurate, and I want it on my reports ... this is against the law ... to include only what you want to ... the company has confirmed that it has been reported to you ... litigation will follow if not corrected immediately
Product: Mortgage

XX/XX/2018 applied for mew construction loan. Spent months sending paperwork amd documents sometimes more than once. Got preapproval letter for $ XXXX. A couple months go by and approval was lowered to $ XXXX. That was XX/XX/2018. I told the rep to go ahead and submit to underwriting. XX/XX/XXXX recd email from rep asking if i want to cancel?? I said i thought it went to underwriting 2 months ago. She replied i should cancel and go elsewhere. I never recd a denial letter or a reason for the delay or cancellation
Product: Mortgage

I PAID MY MORTAGE PAYMENTS TWICE IN XXXX : in XXXX on XXXX, XXXX XXXX XXXX, XXXX. I PAID MY MORTGAGE IN XXXX ON XXXX XXXX. I PAID MY MORTGAGE IN XXXX ON XXXX, XXXX XXXX THIS IS THE MONTH THAT CHASE I ALLEGE DOING FRAUD SO THAT THEY CAN COLLECT LUMP SUM DO TO COVID 19 AND FORCE ME INTO FORECLOSURE BY LYING AND FRAUD. 

I CALLED CHASE TO INQUIRE ABOUT MISSING MORTGAGE PAYMENTS THAT WAS PAID AND NOT APPLIED TO MY MORTAGE STATED THAT I MISSED IN XX/XX/XXXX PAYMENT AND XXXX. CHASE IS CORRECT ABOUT XX/XX/XXXX THIS WAS THE REASON WHY THEY RECEIVED TWO PAYMENTS IN XXXX. 
I PAID ON XX/XX/XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. I SEEN ALL MY PAYMENTS THAT CHASE RECEIVE AND THE ONES THEY STOLE ONLINE UNDER MY ACCOUNT. FAILED TO APPLY MY XXXX AND XXXX PAYMENTS IN XXXX I WANT CHASE TO RECOGNIZE THE MY PAYMENTS THEY STOLE AND COMMITTED FRAUD. NEED ADDITIONAL INFORMATION I WILL APPLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do all my banking with XXXX XXXX. I also have a car loan with XXXX XXXX XXXX. I was diagnosed with XXXX and XXXX XXXX XXXX and had to recover in the hospital for over nine weeks. I also informed XXXX XXXX and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of XXXX XXXX XXXX reporting a late payment. I am requesting that they promptly take this off my report and have talked to XXXX XXXX banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

This is XXXX XXXX, and I am submitting this CFPB complaint to inform the Credit Reporting Agencies that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX. XXXX XXXX XXXX XXXXXX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX  XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021
Product: Debt collection

I sent a certified 609 letter to Transunion on XX/XX/XXXX asking them to send me copies they have on file verify for XXXX XXXX XXXX in {$12000.00} and XXXX XXXX {$0.00} balance which was charged off. Also XXXX XXXX that closed in XXXX. All three accounts came back as verified perTransunion however they did not send me any information I requested within the time frame. I spoke with a representative last week on XX/XX/XXXX and stated the handwritten letter was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DP OF EDUC XXXX Balance Owed : {$4300.00} US DEPT ED XXXX Balance Owed : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AUTO LOAN XXXX DAILING THIS ACCOUNT TO ALL CREDIT BUREAUS, ESPECIALLY XXXX.
Product: Debt collection

They sent Validation of debt however it shows really just dates I need to know what was purchased since I dont remember purchasing anything from XXXX XXXX as well as this is not the company this debt has been sold to this company now collecting.
Product: Mortgage

There is a foreclosure sale for my house delinquent association dues for XXXX XXXX. My husband was XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
I have submitted to my mortgage servicer request to pay association due out of the escrow account. I don't want to lose my home to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity, apparently to open accounts and gain profits in my name. I'm not sure who did this to me. Not sure how they obtained my information. I don't know quite where to go from here. 
These are the accounts that was opened in my name. 
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. 

According to Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In accordance with Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 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 report agency can not furnish an account without my written consent. 

These are the hard inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Dealers XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 

Also, all information on reports must match across all XXXX bureaus, and every account has numerous errors on them. None of them matches up on the same on all three bureaus. 

In closing these accounts are the result of someone else taking advantage of the loopholes. I ask that something be done about this immediately.
Product: Credit card or prepaid card

I opened a new XXXX card with Bank of America and set up autopay. I paid my entire statement balance in advance so that I was paid in full and owed nothing. The autopay system debited my bank account for the entire statement balance a second time even though I had already paid.
Product: Credit card

On XX/XX/2023, there are 3 fraud transfer made on my account XXXX XXXX XXXX XXXX XX/XX/2023 {$2000.00} XXXX Claim denined by bank of america ( XX/XX/2023 claim denied ) XXXX XXXX XXXX XXXX XX/XX/2023 {$6500.00} XXXX Claim denined by bank of america ( XX/XX/2023 claim denied ) This one resolved XXXX XXXX XXXX XXXX XX/XX/2023 {$4300.00} XXXX Resolved - Credit Permanent Please help me get my money back Police complaint XXXX
Product: Mortgage

XXXX principal payments were transferred from my personal account in house with bank of America to my mortgage account. Each time while on automatic payment for my loan, they have taken another payment with interest. Now for whatever reason for2 weeks I can not speak with them they just keep putting me on hold!
Product: Credit reporting or other personal consumer reports

I have received 9 credit complaints from different banks, which have affected my credit score, yet I have not applied for any of these, the only thing I have consciously applied for is two XXXX XXXX XXXX cards. I need your help to solve this problem and erase these 9 complaints from my history. Please.
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE FRAUDULANT ACCOUNT BEING REPORTED TO MY CONSUMER REPORT UNDER 15 USC 1681c-2 ( blocking of information ) I also filed an etc report in regards to this problem. 

XXXX XXXX XXXX XXXX
Product: Student loan

On XXXX XXXX I mailed a debt validation letter to GREAT LAKES in regards to a loan listing they alleged I owed. In pursuant to 15 USC 1692g I have the right as a consumer to request validation of any debt someone allege I owe them. I received a response letter from GREAT LAKES dated XXXX XXXX, which did not validate the alleged debt I owe them. In fact the response letter didnt mention anything pertaining to a debt as I requested validation for. 

GREAT LAKES has violated several of my consumer rights, by not providing me with competent evidence that I owe this alleged debt theyre claiming I owe them, as I noted in the attachment labeled EXHIBIT A. 

In addition to the EXHIBIT A sheet Ive attached my Affidavit of Truth and CEASE and DESIST letter, which were mailed to them on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Account : Regional Acceptance Co Account was showing charged off on XX/XX/XXXX, and I've never received a 1099 from them and it is still, as of today XX/XX/XXXX, still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a notification on XX/XX/2022 that there was an inquiry on my credit report from XXXX XXXX XXXX  XXXX XXXX XXXX SD which lowered my credit score as a hard it due to inquiry down to XXXX points. I contacted the bank on XX/XX/2022 at XXXX am cst and learned a credit application was fraudulently open in my name and with my social security number. The bank sent me a let dated XX/XX/2022 reference number XXXX db/amc to file a identity theft report with FTC. With the report i can forward the copy to them for this to be removed from my credit. XXXX XXXX XXXX  is not willing to correct the error and insist i do all the work to correct their action of accepting a fraudulent credit application.
Product: Credit reporting or other personal consumer reports

I am writing to let you know that I am a victim of identity theft. In XX/XX/scrub> 2024, I found out that several accounts were opened in my name without my permission. Despite my efforts to resolve this with consumer agencies, the account XXXX XXXX XXXX ( XXXX XXXX ) is still on my report. 

This situation breaks several rules under the Fair Credit Reporting Act ( FCRA ), including : Not correcting or removing inaccurate or unverified information ( 15 U.S.C. 1681i ( a ) ( 5 ) ), Using my information without a valid reason ( 15 U.S.C. 1681b ( 2 ) ), Not blocking information related to identity theft ( 15 U.S.C. 1681c-2 ), Failure to follow procedures to ensure accuracy ( 15 U.S.C. 1681e ( b ) ), Not conducting a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ), You must investigate this issue and remove the incorrect information within four business days, as required by law ( 15 U.S.C. 1681c-2 ). If you do not take action, I will have to consider legal steps to protect my credit and myself. Each FCRA violation can lead to {$1000.00} in damages if taken to court.

This issue has caused me a lot of stress and affected my mental health. I hope you will address this matter quickly and fairly.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I sent a payment electronically through Zelle but never received a refund despite multiple attempts to resolve the issue. The amount in question was {$850.00}, and the payment was intended for XXXX XXXX. 

Upon realizing the issue, I contacted both my bank and Zelle to dispute the transaction. I provided documentation, including the payment confirmation and communication with the recipient. Despite following the dispute process and submitting the required information, no refund was issued. 

I would appreciate assistance in reviewing this case and processing the appropriate refund.
Product: Vehicle loan or lease

I am writing to lodge a formal complaint against Mercedes-Benz Financial in relation to a matter concerning my account # XXXX, initiated approximately between XXXX of XXXX and present day of XXXX. Specifically, I requested a Debt Validation of said account and subsequently received a communication containing a list of transactions associated with the account. Regrettably, despite statutory mandates outlined within the Fair Debt Collection Practices Act ( 15 USC 1601 - 1693 ), I did not receive the complete array of disclosures, service agreements, and signed instruments pertinent to the purported debt, nor was a signed copy of the promissory note provided. I have diligently pursued resolution of this matter through direct communication with representatives of Mercedes-Benz Financial . However, notwithstanding these efforts, I have been informed that the promissory note remains unattainable. It is imperative to note that pursuant to pertinent legal statutes, particularly the Bill of Exchange Act and Negotiable Instrument Act, the conversion of the promissory note into a negotiable instrument would signify satisfaction of the alleged obligation. Furthermore, a review of my credit report reveals that the purported debt has been charged off. In light of this, I am compelled to inquire as to the absence of any documentation, specifically a copy of the 1099-C form, indicating the discharge of indebtedness filed with the Internal Revenue Service XXXX IRS ) and the said vehicle was threating to be repossessed around XXXX XXXX so a Debt Validation letter sent around XXXX of XXXX. The actions, or lack thereof, undertaken by Mercedes-Benz Financial have resulted in considerable uncertainty and distress. It is my firm belief that such conduct may contravene provisions established within various consumer protection statutes, warranting regulatory scrutiny and intervention. In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau undertake a thorough investigation into the practices of XXXX XXXX XXXX with regard to this matter. Additionally, I seek redress commensurate with any identified breaches of consumer protection statutes, as well as clarification and resolution of the outstanding issues surrounding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX and equifax and also XXXX a detailed police report to make them aware I was a Id theft victim for XXXX  XXXX and XXXX XXXX  XXXX I mailed them a police report and I emailed them a police report there investigation failed to remove the id theft account from my credit report creating hardship for me obtaining credit my score was good before all this I have been fighting with credit bureaus for over 3 months to fix this and they are in violation of fcra for not removing the Id theft debt after I produced a police report for XXXX XXXX and XXXX XXXX accounts and inquiries on my credit report Im asking these agencies to please remove this permanently off my account so I can get on with my life XXXX XXXX was removed once before than added back XXXX failed to investigate and put a pending satus on my report instead of full removal and its been past 30 days
Product: Debt collection

This company started calling me and not answering when I would pick up. I called them back and they said it was about a debt from XXXX. In XX/XX/2017 I was fraudulently put on an XXXX account. It is not mine and not my debt. I have been cleared by XXXX and have confirmed that with the company numerous times. My name and phone might be on it but my SSN is not and I confirmed that with XXXX   and Convergent USA over the phone. I need my info removed from that debt and your system. This isnt my debt.
Product: Debt collection

I have sent several letters to all 3 credit bureaus requesting that XXXX XXXX XXXX, XXXX provide validation of debt concerning the 2 accounts held at their company in my name. The have not provided any validation of this debt but continue to send letters stating I need to pay this collection. They are reporting inaccurate information to the 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XX/XX/year> Equifax, XXXX XXXX XXXX, XXXX, GA XXXX. 
Subject : Demand for Immediate Late Payment Removal To Whom It May Concern, I am writing to formally demand the immediate removal of the following account from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Under FCRA Section 1681s-2 ( a ) ( 3 ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer.

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal.

I am demanding that you : 1. Immediately remove this late payment from all credit reporting agencies.

2. Provide written confirmation of the late payment deletion within 15 days. 
Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees.

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report. 
You have 15 days to comply with this demand.