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

I am the owner of a vehicle in a car accident XX/XX/XXXX. The car was declared a total loss by the insurance company on XX/XX/XXXX and the insurance company negotiated a payment with the lender. At the time the driver, my husband, was the person paying the car loan. A payment was made XX/XX/XXXX. The lender estimated the car value ( loan and interest at {$19000.00} ). The insurance company sent a check for {$10000.00} ( on XX/XX/XXXX ). We had also been paying for gap insurance ( through Bridgecrest ) and other services along with the monthly payment. During the entire time we were in correspondence with the lender. In XX/XX/XXXX I followed up with the lender ( bridgecrest ) regarding an update. On XX/XX/XXXX they informed me they just sent the documents required to the gap insurance for payment and that would take another 20 days to process. In the interim on XX/XX/XXXX I received an email from one of the added service providers ( XXXX  ) concerning they refunded to Bridgecrest {$2800.00} for the service contract and GPS contact I had. XXXX informed me that the gap insurance would cover any balance remaining after their refund was applied. With the check from my insurance, and the refund from XXXX the company still charged off {$8300.00} to my credit report without a final statement or any other accounting being made. No gap insurance was applied ( even though they were paid at the very least through XX/XX/XXXX ). I requested this from them but have gotten no response.
Product: Mortgage

We are repairing our Kitchen and flooring under an insurance claim to address water damage. USAA, our mortgage company, is unreasonably holding our claim money and preventing us from paying our contractor. It was very difficult to get OUR money from them to even begin the work, and will only give us add'l money once we are " 50 % '' complete ( as they define it ). We have signed affidavit from our contractor, stating we are more than 50 % complete. The repairs were fix plumbing, mold remediation, fix floor, rebuild kitchen. Plumbing is fixed, mold is gone, approx XXXX sq feet of XXXX sq feet have been tiled and grouted, permits for kitchen pulled, appliances, cabinets, and counter ordered. They wo n't return our calls to schedule and inspection to determine that more than 50 % has been completed. They have been rude and uncooperative. This is OUR money ... we 've done nothing wrong. We 're just trying to get our house fixed. Because of this, we 've had to put most of the work on credit cards, incurring debt and having to pay interest. This is ridiculous. USAA has been more frustrating to deal with than our insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in an accident on XX/XX/XXXX when a car ran a stop sign and ran directly in to my car. I have an accident report stating that the driver of the other vehicle received a citation and was at fault. I recently bought a new car and when I was getting insurance on it the report came back from Lexis Nexis Risk Solutions stating that I was responsible for the accident therefore increasing my insurance rate by {$200.00}. My insurance agent tried to dispute the claim and was unable to do so. I have been trying to dispute the claim myself this week. I've called the number that they provided ( XXXX ) three times on XX/XX/XXXX at XXXX, XXXX, and XXXX XXXX and was unable to reach a representative and continued to get to the part that requested the state. I stated " Iowa '' each time and it was not recognized every single time. Then the call hung up. I got online and found an additional number to call ( XXXX ). Again, they requested state and I was unable to go any further. On XX/XX/XXXX went online to the website that they provided for disputing claims ( https : //consumer.risk.lexisnexis.com/request ). I entered all of the required information, including my social security number. The website stated " An internal error has occurred and we are not able to process your request. Please try again later. '' I found another number to try for a 24 hour assistance line ( XXXX ). I pressed three for the prompt to talk to a representative. The recording stated that I will have to call back during business hours. I will try to call back tomorrow, again. Very frustrating situation with Lexis Nexis Risk Solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX Account number : XXXX The notation of the late payment is inaccurate. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/XXXX, I was the victim of a robbery where I was stripped of all my documents and banking information. Because of this, I decided to review my credit report and I noticed some inquiries that were made without my consent. I appreciate your help in removing this from my records. 

The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I got an alert from my card issuer ( Bank of America ) that there was a suspicious activity on my card. Two transactions went through and the third was blocked by bank of America. The transactions that went through were from XXXX for {$260.00} and from XXXX XXXX for {$260.00}. I did not make these transactions and swiftly reported them as fraud. The bank issued me a refund on XX/XX/XXXX for these two transactions. 
However, on XXXX the charge for {$260.00} was put back to my card stating that " the seller provided correct address on file ''. Needless to say I never received anything from XXXX. I appealed the decision and asked for shipping tracking information and it was not provided. Bank of America fraud department refused to give me any further details. My appeal was closed silently without any notification forwarded to me of the decision made. I called Bank of America on XX/XX/XXXX again to appeal the decision, spoke with XXXX in fraud department at XXXX.He said the claim was closed because it was " an old claim '', even though it was appealed by me. He said that the seller matched the address and the name on file, but did not match the email. Again I asked for the shipping confirmation that the goods were actually shipped to my address and again did not get any supporting information. I appealed the decision again and it went nowhere again. 
At this point I feel powerless to fight the careless bank that frivolously adds charges to my account even though they were the ones who alerted me of fraudulent activity in the first place on XX/XX/XXXX. They can not provide tracking information and the email that the seller has on file does not match mine. That what XXXX told me. 
I have been a Bank of America customer since XXXX with excellent track record. 
At this point after numerous phone calls to Bank of America I have exhausted my options other than to complain about their practices. 
Sincerely yours, XXXX XXXX
Product: Mortgage

Mortgage service " Loan Depot '' has not applied timely partial payments we have made to them under the terms of the loan contract or follow FTC rules concerning how payments are applied. This scam is to delay the payment application to well past the late due date and then charge a {$81.00} late fee, which is detailed in the " Loan Statement '' under " Transaction Activity '' and the activity is outlined in item XXXX on the back of the " Loan Statement '' in section " Payment Information ''.
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the EQUIFAX for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/2024, XX/XX/2024 and XXXX XXXX, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had wrote experian THREE TIMES to not only validate these 9 accounts but now shows invalid data. This company responds verified when I request VALIDATION. But looking further into this, these accounts do not show last 30 day late but rather two co in XXXX XXXX This makes for obvious reasons incorrect data being reported which is a violation of my rights as a consumer. 
Attached are the nine accounts showing the way I described.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm issuing a complaint against XXXX XXXX. XXXX has placed an account in collections since XXXX, which opened due to fraud. I have sent XXXX a copy of my police report and closed bank statement XX/XX/XXXX, indicating I was a victim of fraud. I've worked with XXXX and Experian numerous times to remove the account, and the company has refused to remove the negative mark and account from my credit report. I've been turned down for a loan due to the negative reporting and denied refinancing my student loans. The XXXX companies are now violating the Fair Credit Reporting Act and performing defamation of character. A representative advised several months ago, XXXX received my paperwork to work on the fraud activity, and I still have no results. On XX/XX/XXXX, a representative stated the fraud department closed my case without contacting me or removing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached letter from Syncrony Bank. On the first page, the bank admits that the original application for the account is no longer available due to age of the account. So the bank has a name and address, which are 2 methods to verify the account. However, federal law requires 3 methods to verify account information.

Per the Fair Credit Reporting Act, 615, e, 3, the requirement for verification must be consistent with U.S. Code 5318. Below is a reference from the Fair Credit Reporting Act : " Consistency with verification requirements. Guidelines established pursuant to paragraph ( 1 ) shall not be inconsistent with the policies and procedures required under section 5318 ( l ) of title 31, United States Code. '' Per U.S. Code 5318, title 31, there must be 3 forms of identification. The collector has only provided name, address,
and confirmed there are no other forms of verifying identity.

Below is an excerpt of U.S. Code 5318, title 31 ( I ) ( 2 ) ( B ) : " Compliance, exemptions, and summons authority l ) Identification and Verification of Accountholders. ( 2 ) Minimum requirements.The regulations shall, at a minimum, require financial institutions to implement, and customers ( after being given adequate notice ) to comply with, reasonable procedures for ( A ) verifying the identity of any person seeking to open an account to the extent reasonable and practicable ; ( B ) maintaining records of the information used to verify a persons identity, including name, address, AND other identifying information ; '' As the law states, " name, address, AND other identifying information ''. 
Syncrony Bank has only maintained a name and address. There are no other records to maintain other identifying information since the original application for the account is not available. See attached for laws provided by the Federal Trade Commission. I have attached documents of these laws for your convenience.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or wholly updated 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

Citizen 's Bank recently merged online mortgage and banking systems which resulted in deletion of established online customer mortgage accounts. Customers attempting to login with established credentials to view mortgage information and make payments are unable to login due to account deletion. I called Citizen 's customer service on XX/XX/2022 and they confirmed the issue was driving very high call volumes. I advised that I had not received any email or other communication from Citizen 's regarding an account deletion problem and how to resolve the problem. A complaint was filed directly with Citizen 's. I am filing this complaint with CFPB because of concerns that thousands of customers are at risk of missing their mortgage payment deadline because of the inability to access their online account which was deleted by a Citizen 's Bank process failure. In the end, I had to re-register for an account in order to view my mortgage and make payment.
Product: Mortgage

Mt corvid 19 forbearances ending 0n XX/XX/2021. I do call and request a regular payment also requesting special help and any program to extend. They recommended another department for a loan modification to lower my monthly payment so I contact that and fill out the paper but they need documentation ( WellsFargo needs a financial report After the year XXXX I requested it and still waiting that I couldn't get it from my Co-op bank. ( Phone conversation recorded ) Therefore I started making payments on XX/XX/XXXX and XX/XX/2021. However, Wells Fargo wants all the payments at once during the forbearances period. And XXXX XX/XX/2021 I have got Foreclose Notice by mail. 

I am so confused and Don't know what to do. All I need extended forbearance or another help and I filled all the paperwork Also I made all the regular payments after the forbearance period ends. 

I requested 3 times please back to my normal payment and I made a payment but I got forclose notice I need help. 

Thank you for reading this grammarless writing once again I need help. 

My monthly payment is {$430.00} I've received notice of intention to foreclose XX/XX/2021 Total overdue {$7800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company who has been reporting the wrong information along with the credit bureaus .... XXXX and TransUnion has removed the item but XXXX  has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... Thank You
Product: Debt collection

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated by this creditor. Specifically : Credit COLL Violation of Privacy Rights ( 15 USC 1681 Section 602 ) ** : According to Section 602, I have a right to privacy regarding my credit information. The creditor has not upheld this right as they have furnished my account information without proper consent.

Unlawful Furnishing of Information ( 15 USC 1681b Section 604 ( a ) ( 2 ) ) : Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. I did not provide written consent for this account to be reported. 

Improper Late Payment Reporting ( 15 USC 1666b ) : Under Section 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was received by the creditor before the next billing cycle. The creditor has reported my payment as late despite this regulation. 

I request that the CFPB investigate these violations and take appropriate action to rectify the errors on my credit report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed that Experian had added an ( AKA ) name, XXXX XXXX XXXX, I am not now nor have I ever been XXXX XXXX XXXX. I have never been known or called anything other than my name which is XXXX XXXX XXXX, short for XXXX XXXX XXXX. Rather than back up or prove their erroneous action they insist I prove my innocence. Exactly how does one prove they have never gone by a different middle name? This is absolutely ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has denied my dispute for the following company XXXX XXXX XXXX Oxygen Recovery Group ). This company has an open lawsuit in the state of NY for this reason. XXXX is ignoring all the facts put forward by me XXXX. This account was settled and paid in full and i even have proof of all payments uploaded here. The company XXXX XXXX XXXX which XXXX is representing failed to answer all my phones or reply to my text messages. I have uploaded here proof of the messages. I also uploaded all payments made to them during my lease. They also didn't refund my deposit!! Please see attached text message proof. Hence this account is fraud because my account was closed in full. 

2. The account opened is for an office XXXX XXXX is under my company XXXX XXXX XXXX XXXX XXXX XXXX office spaces which was renting an office to my company. They collected my personal and business information. This report should be on my business XXXX XXXX and not personal as these are office suites not rental for living. And application was done with my company. 

3. XXXX XXXX XXXX was never authorized to sell my personal information to any creditor only my company information. This is fraudulent that they used my personal information. 

I request that XXXX remove this entry by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with STATE FARM BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called STATE FARM BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  and STATE FARM BANK with no successful resolution. XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account : XXXX XX/XX/XXXX. {$410.00} - XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX. XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

XX/XX/year> - {$8000.00} Opt out letter provided. With instructions to correct my profile. 

Westlake Financial SVC denied my complaint.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report earlier in the year, I noticed a few accounts that didn't belong to me. I've never applied for such things, and I have never given anyone my personal information. Who are these companies reporting? My personal information has been compromised. 

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

FCRA 605B might need us to remove wrong accounts from my credit report. Can you check the docs? Some accounts are wrong in terms of reporting, with wrong amounts and dates.
Product: Mortgage

I paid my payment online on XX/XX/XXXX of XXXX .. the funds were taken out of my account on XX/XX/XXXX because of the holiday.. My payment on the online account shows in suspense when I called  Ditech to question it they state that it takes 5 days to be applied a glitch is in the system. In there interim i also notice that my escrow had an overage of XXXX dollars a check was mailed but they are trying to hold more escrow then needed if they apply this payment. I think they have my money in XXXX on the website to hold back giving me the full overage of escrow and carry it over into the new year. Online it looks as if I am 26 days late when they already have my payment and no one seems to be able to explain this to me. I paid the late fee and the mortgage with the escrow included. please investigate this for me.
Product: Credit reporting or other personal consumer reports

To Whom this May concern, Recently, I conducted an investigation on my credit report, which unfortunately caused XXXX XXXXXXXX due to the findings. I discovered an item that were unverifiable, invalidated, inaccurate, and questionable, indicating that your agency did not ensure the 100 % accuracy of the information it reported. As you are aware, the Fair Credit Reporting Act mandates that all information on a credit report must be 100 % accurate. However, the account in question are in clear violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). It is essential that these inaccuracies are rectified promptly to ensure the integrity and fairness of my credit report. Furthermore, I request that Capital One Auto Finance refrain from reporting this debt to any credit reporting agency. Please consider this letter as a formal notice to cease all communications and collection activities related to this debt.

Please confirm in writing that you have received this request and have complied with the law by ceasing all communication and reporting activities regarding this debt. 

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

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX