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

Equifax is in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Equifax is in violation of 15 USC 1681a ( o ) ( 5 ) ( A ) ( i ) which states that with respect to which the consumer who is the subject of the communication consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; Equifax never received consent from me, the consumer.

Equifax is in violation of 15 USC 1681a ( e ) which states that a consumer report which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. Equifax NEVER did such interviews with any neighbors, friends, etc.

Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Equifax has never received written instruction from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm very frustrated because I reached out to you all in XXXX of this year about things on my credit that I know nothing about. I'm really trying to help my brother who now has a new born baby get a new car. I have reached out to the FTC and my police here. You guys did get some thing resolved but there are still a few items on there that is not mine XXXX Bank, XXXX and XXXX XXXX.
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. The 3 credit bureaus 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 item/accounts/information below : XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Step 1 : What is this complaint about? My bank account was closed because of a loan i got from SBA account number is XXXX Step 2 : What type of problem are you having? 
My bank account is locked by chase bank and i cant pay my bills because i have no access to my bank account Step 3 : What happened? 
I applied for a SBA loan through the XXXX XXXX XXXX website as a XXXX  XXXX and was approved for {$24000.00}. I do not have a XXXX number because its not required when applying for the loan as it states on their website because i am applying as an XXXX XXXX. Below taken form site " Applicant is an individual who operates under a XXXX XXXX, with or without XXXX, or as an XXXX XXXX. '' The definition of a XXXX XXXX is someone without XXXX and who doesn't file any excise or pension plan tax returns doesn't need an XXXX, in this instance, the XXXX XXXX uses his or her social security number instead of an XXXX as the tax payer identification number. I have met all the requirement from the SBA to qualify for the loan and I dont know why chase is freezing my account and telling me that i need a XXXX when the SBA did not require a XXXX for the loan. 

Step 4 : What company is this complaint about? CHASE BANK Step 5 : Who are the people involved? XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing a forensic investigation and analysis on the three NCRA 's investigation, the three NCRA 's have still failed to conduct a reasonable investigation on the items presented to them by me. Also, I have found that there are inconsistencies in the three reports that might be due to the XXXX XXXX format. I believe XXXX, Transunion, and XXXX use a system called E-Oscar to handle investigations. I have asked the NCRA 's to not rely on this system because it is not 100 % accurate and it is not fair. On XX/XX/2022 I spoke with XXXX 's rep XXXX XXXX about my concerns, XXXX XXXX was very rude and confirmed that XXXX is going to continue to violate my rights under the FCRA, " does not care, and that I am wrong about my privacy rights '' .XXXX XXXX XXXX 

Attachments included. 

Legal action has been taken against the three NCRA 's for noncompliance and damages.
Product: Money transfer, virtual currency, or money service

They never would call me back or email what was being paid and why things was not taken care of
Product: Credit reporting or other personal consumer reports

around a year ago I saw on XXXX that they had a mortgage that wasn't mine on my report.I have NO mortgage at this time. The mortgage happens to be my son and his wife. the names are different by the middle name. the address is next door to mine so house number is only difference. The SS numbers are different, the spouse name is different and birthdate is different. I filed complaint they refuse to remove it and put on correct persons report.
Product: Checking or savings account

On XX/XX/year> Bank of America was contacted after my account access was blocked. Bank of America informed that my accounts would be closed and any payments for account balances would be made on XX/XX/year>. On XX/XX/year>, my account balance reached {$1100.00} and closed with a {$66.00} end of day balance. From this date to XX/XX/year>, my highest account balance was {$1200.00} within this period - and cashier 's check was expected to be released for this balance on this date. However, I have not yet received this and was recently advised that as of XX/XX/year> balance is $ XXXX and is due and payable to Bank of America immediately. Since XX/XX/year>, I have not authorized any transactions to be paid and had been advised of its closing proceedings. And now I have opened a Dispute with the call center for advising me that 'things are subject to change at any time ' to which I was not made aware of. I need my funds from when Bank of America indicated that the account was to be closed. This is not only an abuse of power but has been detrimental to my mental state.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Notification of Identity Theft and Request for Assistance Dear Sir/Madam, I am writing to formally notify you that I, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX have been a victim of identity theft for the past five years, from approximately XXXX to XXXX. During this time, unauthorized individuals have fraudulently opened accounts and conducted financial activities under my name without my consent. 

As a result, my credit report has been negatively impacted, and I am requesting your assistance in rectifying this situation. I am confident that the accounts in question were not initiated or authorized by me, and I am prepared to provide any necessary documentation to support my claim. 

I kindly request the following : 1. Investigate the fraudulent accounts and transactions on my credit report. 
2. Ensure that all unauthorized accounts are removed and flagged as identity theft.

3. Assist in restoring my credit to reflect only legitimate financial activity. 

Please let me know if you require additional details or supporting documents to expedite this process. I appreciate your prompt attention to this matter and look forward to your guidance in resolving this issue. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To the Officer in Charge, I am writing to provide additional information and an update regarding my previously filed police report ( Incident # : XXXX ) from XX/XX/XXXX. Upon further review and having now secured complete access to all three major credit bureaus, I have identified additional unauthorized financial activity that was not included in the initial report due to the aforementioned limited access. 

On XX/XX/XXXX, while preparing for a prospective home purchase, I conducted a thorough check of my credit report. It was during this check that I first became aware of the fraudulent accounts. The original police report lists some of these accounts. However, I have since discovered two more accounts and a credit inquiry, as detailed below : 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  Additionally, there was a hard inquiry that I did not authorize, which may be connected to this fraudulent activity and is from XXXX. I suspect that my personal information may have been compromised as a result of the XXXX XXXX XXXX XXXX, an incident in which my details were confirmed to have been exposed. There is a possibility that this exposure has led to my information being accessible on the dark web, which may have facilitated this fraudulent activity on my credit report. 

I would like to request that this new information be formally added to the existing report to ensure that all fraudulent activities are thoroughly investigated. Furthermore, I am taking all necessary steps to dispute these accounts with the credit bureaus and have placed fraud alerts on my credit files. 

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

I opened my Citi Credit account on XX/XX/XXXX. I qualified for a special balance transfer APR and tried to submit a balance transfer from XXXX XXXX. Upon hitting the submit button, the website told me that my request could not be completed. Since I did not have the card yet, it would not let me create an online account to try to re-submit the balance transfer. 

On XX/XX/XXXX, I received my card. At the time, there was no balance transfer completed on my account or pending. I went ahead and submitted a second balance transfer since the first one did not go through. 

I woke up to a notification on XX/XX/XXXX that BOTH balance transfers were now pending on my card. I was charged TWO balance transfer fees. I immediately contacted Citi Customer Service and was told to contact XXXX XXXX since the balance transfer was pending to stop the transfer. Citi advised if both posted to my account that they would credit back one of the fees to my account. I contacted XXXX XXXX and was told that there was no way to stop the balance transfer at this point. 

I contacted Citi again and was told to contact them once I made a payment on my account and once the fees posted. I went ahead and dropped a large sum to cover most of the balance transfer. I contacted them again and was told that the fees were still pending. I contacted them after confirming the fees have posted and today XX/XX/XXXX, I was told that all 3 previous reps have given me false information as there is no way to credit me back a balance transfer fee and that it is my fault that I submitted two balance transfers. I asked Citi to please check all the messages on my account because they have clearly communicated to me that they would credit the fees back once posted on 3 separate times. Today, Citi Bank still fails to credit back one of these fees.
Product: Credit reporting or other personal consumer reports

I contacted equifax again over the weekend on the XXXX XXXX and spoke to XXXX and I sent a letter attach with the response again from the courts XXXX and XXXX refuse to supply me in writing the name and address of the persons reporting the public records and also stated tgat they don't have too but for states that they are suppose to so again I tried and I ask is anyone u can speak with thats higher than consumer affairs each advise me no I even ask for ceo they refused
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have failed to address their negligent and false reporting. They claim they investigate and " update '' or " certify '' or " update '' information. However, it is clear the only thing that occurs is more harmful, false, unsubstantiated information per account. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Allegedly charged off XX/XX/XXXX, yet, XXXX reports all of the following statements : " Account charged off/Never late '', " {$2500.00} written off. '' " {$2.00}, XXXX past due as of XX/XX/XXXX. '' In the first place, how can an account be charged off yet never late? The very statement is false and inaccurate and should be enough too remove the account from my report. Further, if the account is charged off, the account balance is not past due and written off. 

This erroneouos reporting repeats itself account after account. Is there anyone actually addressing the disputes? Who has XXXX  communicated with to verify their updates? 

here are the other accounts reporting the same errors ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( a collection account may not be " past due '' as it's very nature is to collect on an alleged " past due '' account, XXXX  XXXX  XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report recently and noticed an account that wasnt reported accurately. Have 2 late payments on an account that was paid on time at the time that was supposed to be paid. Consumer reporting agencies need to report information with complete accuracy. 
This account never been late on payments. Account is currently closed at my request. But the late payments still remains on my credit report. Im nowrequesting that you investigate and provide verifiable proof with records showing i had these late payments. If this information cant be verified i demand theses payments be updated to paid on time inmediately. Thank you for your understanding and promp action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I checked my report and saw several unauthorized inquiries. These are not my inquiries and I need assistance in their removal.
Product: Mortgage

RE : Your letter dated XX/XX/year>. Loan # XXXX Dear SHELLPOINT Enclosed is your letter dated XX/XX/year>. 

It contains a number of misstatements. Some of which are : A ) This Loan # XXXX is a HELOC loan. Not a Primary Loan. 
B ) You letter incorrectly states : as required by your mortgage, your property must be kept continuously insured. CORRECTION : The servicing of this loan, and the documentation related to this loan, have never and do not involve ESCROWING for insurance or taxes. 
C ) Your letter incorrectly states : We have reached out to your insurance agent/and or insurance company and have been unsuccessful in obtaining a renewal or replacement policy. CORRECTION : You have not reached out to anyone with respect to my insurance coverage, because you do not Escrow for this coverage, and you do not know who provides this coverage. 
D ) Your letter states incorrectly : If we do not receive replacement or renewal coverage, we will order coverage at your expense. CORRECTION : You will order NOTHING at my expense. This letter serves to put SHELLPOINT on Notice that no expenses other than interest and principal shall be paid for by myself to SHELLPOINT, and only as expressly indicated under the terms of my original loan documents. 
E ) Your letter does not include a SHELLPOINT contact telephone number. It includes only a FAX number which appears intended to leave recipients of this letter with only the option of complying with the demands within this letter, regardless of their accuracy or legal standing. SHELLPOINT should include a proper reply telephone number. AND SHELLPONT should have called me, the borrower, instead of supposedly calling an insurer which you have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with UAC/CARHOP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both all 3-bureaus and UAC/CARHOP with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 30 days late
Product: Mortgage

Our mortgage thru Ocwen matures XX/XX/2016, Loan # XXXX XXXX. I went to their website secured sign on and got a payoff quote valid thru XX/XX/2016. I then called Ocwen about how to submit payment as I bank with XXXX XXXX and that is also their bank. I could simply go on line to payoff loan. However, I was told it had to be paid either by certified funds via overnight mail or their preferred method by bank wire transfer. My wife then called Ocwen and was told the same thing. I went to XXXX XXXX to make wire transfer and my personal banker thought the wire transfer was inappropriate as both accounts were with XXXX XXXX. Her idea was a direct deposit from my account to Ocwen. She also called Ocwen and was told that was not acceptable, that only wire transfer or certified funds were allowed. So we submitted the wire transfer, which had a {$30.00} fee. She noticed an unusual entry upon doing the wire transfer and called her supervisor for clarification. Ocwen actually has a stop on allowing direct deposit transfers. My complaint is simply paying a wire fee is an unneeded expense and additional waste of time. I feel this an added burden imposed by mortgage companies. Ocwen also does n't accept emails, as I wanted to contact them about this problem. Finally, their customer service is apparently outsourced to XXXX and understanding their operators can be very difficult. Thank You : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX, XXXX XXXX and CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to investigate and accurately report the following disputed accounts on my credit report, as required under the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ). Despite sending a formal dispute letter, Experian has not provided verification of these accounts within the legally mandated timeframe, nor have they removed unverifiable or inaccurate information. Please Delete 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: Credit reporting or other personal consumer reports

There were XXXX requests for opening a credit card in my report that I don't recognize, I contacted this company to remove these requests, but they didn't help me XXXX OF XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> XXXX OF XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know the accounts or the amounts its was opened under my name because Im not the one who opened it
Product: Mortgage

i am sending paying to my mortgage company they keep returning it this is the second time stating i am 90 days behind while i am trying to resolve the problem
Product: Consumer Loan

I had a lease with GM Financial which was expiring in XXXX 2015. Beginning in XXXX, 2015 I received numerous calls and letters from GM with several offers to return the car earlier than XXXX and leasing a brand new vehicle. I accepted an offer from GM in XXXX, 2015 and returned the car and leased a 2015. The offer I accepted was GM would cover XXXX lease payments up to {$3000.00} and XXXX cash allowance towards new purchase or lease. I owed XXXX payments to GM@XXXX totaling XXXX which was well below the XXXX max. It is now XX/XX/XXXX and I keep receiving invoices, phone calls, etc from GM requesting the remaining payments on the original lease and late fees. I have called GM and the dealer, XXXX 's Buick in Massachuetts and both keep responding that all is ok so why do I keep getting these invoices. My perception is GM is not honoring their commitments and overcharging their customers.