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

Subject : Identity Theft Dispute and Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to dispute inaccurate information that appears on my credit report. After reviewing my credit report, I have identified several errors that require immediate attention. I believe that my identity has been compromised, resulting in incorrect personal information and accounts being associated with my credit profile. 

XXXX. Name Discrepancies : On my credit report, I have noticed multiple instances where my name has been inaccurately listed as XXXX XXXX and XXXX XXXX. However, my correct legal name is [ XXXX XXXX XXXX ], and I have never used or authorized the use of the mentioned names. This discrepancy has led to confusion and potential damage to my credit history. 
XXXX. Inaccurate Information : In addition to the incorrect names, there are accounts listed on my credit report that I do not recognize. I have no affiliation with the following accounts : [ XXXX XXXX XXXX /XXXX  XXXX ] [ XXXX  XXXX XXXX XXXX ] I request that you immediately investigate these accounts and provide me with a detailed explanation of their origin and any associated transactions. 

XXXX. Identity Theft Concerns : The presence of these inaccuracies raises significant concerns about possible identity theft. I have always been vigilant about safeguarding my personal information, and I believe that unauthorized individuals may have gained access to my personal data. 

I kindly request that you take the following actions : a. Conduct a thorough investigation into the accounts mentioned above and verify their legitimacy. 
b. Remove any inaccurate and unauthorized information from my credit report, including the incorrect names and unfamiliar accounts. 
c. Provide me with a written statement of the investigations results and the actions taken to rectify the inaccuracies. 
d. Update my credit report to reflect my correct legal name and accurate account information. 

Please find enclosed copies of relevant identification documents, such as my drivers license and Social Security card, to verify my identity. I expect a prompt response within 30 days, as mandated by the Fair Credit Reporting Act. 

If you require any additional information from me during your investigation, please feel free to contact me at [ XXXX ] or via email at [ XXXX ]. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute with utmost care and urgency. 

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

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX XXXX  and Wells Fargo. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

When looking at my credit report I found that there was a major error on my account. I am suffering from extreme XXXX due to this. I need to buy a new house and this error is causing big problems for me in my relationship because it is preventing my partner and I from getting our home. I need this error removed immediately, my rights are being violated and I demand this inaccuracy be corrected at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected XXXX rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 with my written instructions 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls XXXX has reasonable call to believe that the information is inaccurate
Product: Vehicle loan or lease

I made a payment 29 days after my due date but they reported 30 days past due
Product: Credit reporting, credit repair services, or other personal consumer reports

the inquiries on my credit profile needs to be deleted.
Product: Payday loan, title loan, personal loan, or advance loan

We hope this email finds you well. We applied for the Stated Income Business Loan, Stated Income Business Line of Credit and Stated Income Business Credit Card that Navy Federal offers as far as no doc loans for start up businesses. We received an adverse action denial and we would like the governing factors that were involved in making this decision. Our business is properly structured, no debts, XXXX credit is cleared and debt to income ratio low and our business has an XXXX XXXX  score making my business a low risk loan so we are bewildered as to what the actual factors were in our loan denial. We asked for a {$25000.00} term loan, {$5000.00} credit line and a business credit card as instructed to do so by your staff after we discussed our credit. 

When we initially obtained our Navy Federal accounts we were promised by staff that WE WOULD NEVER GET A LOAN, CREDIT CARDS OR ANY SERVICES WE MAY APPLY FOR, nor are we allowed access to underwriters because quote, " there are none '', or " they don't speak to customers '', " the business agent decides on the loan there are no underwriters '' but Navy Federal and it's staff have GUARANTEED THEY will deliberately run hard inquiries on our credit intentionally to destroy our credit as we were asked how did we apply and " I thought we ran this already '' given and even though we meet the minimum criteria. When we ask questions we are given emotional and unprofessional feedback and questions left unanswered and left frustrated when we are witnessing our non-racial business friends getting funded immediately and without issues or having to meet any requirements with less credit and not having to meet any requirements at all. 

The adverse actions violates Title 15 subsection 1611 False and Misleading denial of my credit- the entire consumer transaction is predicated on your unlimited credit, 12 U.S.C.1431 denial of securities and denied credit before consideration and then encouraged to apply to only be denied again more false misrepresentation, 15 U.S.C. 1691-1691f we can not be discriminated against or credit used against us, 12 U.S.C. 1451 ( d ) and 42 U.S.C.12203 ( a ) ( b ) ( c ). It is against the law to use our credit against us, Retaliate against us, deny us our securities, discriminate against us, or interfere with commerce in which you have and a labyrinth of SEC Laws, EOCA and California Regulations governing Credit Unions. 
IT IS ILLEGAL TO TELL ME THAT " I KNOW TOO MUCH, I HAVE NEVER HEARD ANYBODY THAT KNOWS AS MUCH AS YOU DO " NAVY FEDERAL STAFF AND THEN RETALIATE AND DENY MY CREDIT BEFORE CONSIDERATION. 
My intentions for Navy Federal, as I have always established, is to maintain a friendly and professional business relationship but we are unable to do so due to unprofessionalism, retaliation, misleading and misrepresentation, intentional misinformation, discrimination and lending discrimination.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because have had to request the removal of this account from my XXXX credit report, as it does not belong to me. I have never resided in the state where this account was created, nor have I ever utilized their services or incured a debt owe of {$360.00}. Despite providing documentation to the other credit bureaus on multiple occasions, I have had to repeatedly request removal of this account debt as well removal of incorrect information of residence ( which both were filed the first time in XX/XX/year> to present day ) until it was finally deleted from XXXX other credit bureaus as well as this one. However, this account continues to appear on my XXXX credit report after previously being removal. I recently submitted another request for removal, ( as well as disputing information again with XXXX ) yet it still appears on their report yet again. I possess documentation from the other credit bureaus, as will as repeat removal from this and my other credit bureaus account, to demonstrate to XXXX that this is not my account and should be removed yet again. can attached if deem with necessary documentation to support my claim.
Product: Mortgage

I have sent these people at Mr cooper a copy of the bank statement that I paid the mortgage in XX/XX/2023. They sent it back I re-sent the payment. I sent a copy of the bank statement from XXXX  XXXX XXXX and XXXX  XXXX XXXX sent them a copy of the statement they still do not recognize that I sent the payment in even with notification from the bank
Product: Credit card or prepaid card

1. I dispute the fraudulent charges made in the amount of {$10000.00} ( approximate ).

2. Most of the charges were made overseas ; I have been in the United States during those dates. I am requesting that the charges to be removed from my account.

3. I have provided all of the necessary documents you have requested, such as police reports.

4. I have reported fraud and disputed charges inXX/XX/XXXX.

5. After 5 months later, THREE BILLING CYCLES LATER, On XX/XX/XXXX I received a letter that Chase finished its investigation and put all the charges back on my account.

6. Under Federal Trade Commissions FCBA rule, Credit card companies MUST FINISH investigation within 2 billing cycle. Chase took 5 months!!!
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and Request to Opt-Out of Future Inquiries XXXX EXPERIAN XXXX I am writing to file a formal complaint concerning unauthorized hard inquiries on my credit report, which I believe constitute a violation of my rights under several key regulations and statutes including 15 U.S.C. 1681 ( Fair Credit Reporting Act ), 15 U.S.C. 6802-6805 ( Gramm-Leach-Bliley Act ), 12 CFR 1022 ( Regulation V ), the Privacy Act of 1974, and 16 CFR 313 ( Privacy of Consumer Financial Information ).

**Violations Noted : ** 1. **15 U.S.C. 1681** mandates that consumer reporting agencies must ensure the accuracy and fairness of credit reporting, and only allow access to credit information for permissible purposes. Unauthorized inquiries do not meet these requirements and thus, represent a breach of this statute. 
2. **15 U.S.C. 6802-6805** obligates financial institutions to provide consumers with a notice of their privacy policies and practices, including the right to opt-out of information sharing. The persistence of unauthorized inquiries reflects a failure to adhere to these provisions.

3. **12 CFR 1022 ( Regulation V ) ** ensures the accuracy and integrity of information provided to consumer reporting agencies. Unauthorized inquiries demonstrate a failure in maintaining the privacy and integrity of my personal financial information as outlined in this regulation. 
4. **The Privacy Act of 1974** protects against the unauthorized disclosure of personal information held by federal agencies. While primarily applicable to government, the principles mirror my rights to privacy which are being violated through unauthorized credit inquiries. In light of the above, I am exercising my rights under **16 CFR 313 and specifically 16 CFR 313.7 ( f ) **, which support my decision to opt-out of any further reporting of credit inquiries on my credit report. This request is to ensure the protection of my personal financial information, as guaranteed by federal law. 
I demand immediate action to : - Cease all future credit inquiries without my explicit, written consent. 
- Remove all previous unauthorized inquiries from my credit report. 
- Provide written confirmation of these actions. 

Failure to address these concerns promptly will leave me no choice but to seek further legal counsel to protect my rights. Please, upon deletion, send me an updated copy of my credit reports.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the predatory lending practices and inaccurate reporting of information by Bridgecrest, a creditor with whom I have a loan agreement. It comes as no surprise to me that Bridgecrest ranks among the top 100 companies with complaints to the CFPB, given my firsthand experiences with their unethical conduct. 

Bridgecrest has consistently reported inaccurate information to all three major credit bureausXXXX XXXXXXXX, and XXXXregarding late payments on my account. These late payments have been reported inconsistently, with varying information provided to each credit bureau. Despite my repeated attempts to rectify this situation and request validation of the data reported to the credit bureaus, Bridgecrest has failed to provide satisfactory documentation or proof of the reported late payments. 

Moreover, Bridgecrest employees have resorted to harassing tactics, repeatedly calling me after I escalated my concerns to the CEO via email. Despite my legitimate requests for documentation and proof of the reported late payments, these employees have dismissed my inquiries and even claimed that such documentation does not exist. 

For over two years, I have diligently made payments on my loan, yet due to Bridgecrest 's predatory lending practices, the balance has decreased by less than 15 percent of the original finance amount, despite paying {$650.00} per montha significant financial burden for me. Adding insult to injury, Bridgecrest has failed to send regular statements regarding my account, further complicating matters. 

The inaccurate late payments reported by Bridgecrest have severely damaged my credit and financial reputation, making it challenging for me to access credit and financial services. Despite my efforts to resolve this matter with Bridgecrest, they have shown no willingness to rectify the situation or provide me with the necessary documentation. 

Therefore, I implore the Consumer Financial Protection Bureau to intervene and conduct a thorough investigation into Bridgecrest 's predatory lending practices and inaccurate reporting to the credit bureaus. I ask that Bridgecrest be held accountable for their actions and that they are required to provide me with the documentation and proof of the reported late payments as requested. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these issues and protect consumers like myself from predatory lending practices and inaccurate credit reporting. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I XXXX XXXX have tried to settle a vehicle repossession matter with Ally Financial for weeks now. There simply is no reasonable process in doing this, as my calls are never returned. I made a big mistake co-signing for a XX/XX/XXXX XXXX XXXX in XX/XX/XXXX for my daughter. She was not responsible and eventually the vehicle was repossessed. Had I been given notice personally about the loan default, I would have brought the vehicle loan current. I believe the only way to remedy this matter is by filing a complaint with the Consumer Financial Protection Bureau. I respectfully requested a detailed outline as to how many times the repossessed vehicle was placed in auction, and I would appreciate a copy of the resale certificate that proves a shortfall of {$8800.00}. I am also in a financial position to make a one-time payment of {$2500.00} with Ally Financial to settle this matter permanently. I would appreciate a response to my request for documentation as well as the financial offer in compromise through the Consumer Financial Protection Bureau. I am doing my best to resolve a matter for my irresponsible daughter who has fallen on hard financial situations.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, Transunion, and XXXX for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with TransUnion regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the XXXX system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
XXXX. Failure to Address XXXX Non-Issuance by a XXXX XXXX : XXXX. Despite my dispute, XXXX, XXXX, and TransUnion continue to report this collection account without verifying its validity or requiring the collection agency to issue a XXXX. This raises questions about the legitimacy of the debt and violates federal regulations. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I regularly check my credit report, and i found this unknown account in collection. The company 's name is ASSETCARE LLC. The credit report says the original creditor was XXXX XXXX XXXX XXXX. I tried to contact the company, however, everytime i call the machine says its after hours so i have not been able to speak with anyone from the company. I am in the military, so I dont go to regular hospitals and i have not visited a hospital in years. The report says the account was placed in collections on XX/XX/XXXX. I filed a dispute with XXXX, and they replied back saying they updated my information, however, the copy of my credit report i was able to acces through their reply still has this account in collection. I called XXXX, and they said they will do another investigation. I am submitting this complain because I can not get in contact with this company, and i think its some kind of scam.
Product: Credit reporting

Equifax is reporting falsely on my account and I asked them to verify the accounts since they are not mine. They lied in their response to me that they contacted the courts and verified by sending someone to the courthouse. They asked me to contact the court. I did contact the court by phone and mail. I was advised they did not furnish the information to the bureaus and also sent me a letter indicating they did not verify as such. Equifax flat out lied and violated FCRA rules. Additionally, I have asked for the procedures and their source for having this info on my report as I believe they are using third party information that is inaccurate to report. This hearsay is causing me harm and I will have no choice but to sue after repeated attempts to get them to delete the records. XXXX and XXXX already deleted the records.
Product: Student loan

I am a XXXX XXXX  of XXXX XXXX XXXX in XXXX, MO. I attended from XXXX XXXX XXXX XXXX. In XX/XX/XXXX I received notice from the department of education that my Federal Student loans are being discharged for misconduct associated with XXXX XXXX XXXX. In XXXX I defaulted on XXXX private student loans associated with XXXX XXXX XXXX and serviced through Navient. Navient and subsequently through their associated collector XXXX XXXX, XXXX then proceeded to put me through what I believe were illegal collection activities. They called my phone nonstop, they called my parents phones nonstop, and they called my place of business nonstop ( this number was never provided to them for contact ), and they called extended family members nonstop. On top of this they also threatened legal action on these loans. Considering what has come to light about XXXX XXXX XXXX and their activities, and the fact that the Federal Loans associated with this institution are being discharged. I believe that these loans were settled in error and the situation should be rectified. If these loans were currently open, they would be subject to the current Navient Borrower Defense Discharge program for private loans. The full amount of these loans should be discharged, the full settlement amount of {$8100.00} should be refunded, and any payments made before default should be refunded ( as of this time Navient does not show what the payments before default are ). Also, I had a XXXX XXXX loan with Navient that was paid in full XX/XX/XXXX. This loan was subject to collection activities many times but never reached the level of default. Considering the above information, I believe this loan should also be subject to discharge and refund as well. The history of payments on these loans totals up to roughly {$18000.00}.
Product: Debt collection

ASSET ACCEPTANCE , LLC TRIED TO SETTLE THIS MATTER XXXX, XXXX. THEY STATED THAT WE HAD NO EVIDENCE THAT THEY KEPT CALLING MY CELL NO. XXXX XXXX XXXX XXXX. SEE ATTACHED ATT RECORDS, 3 CALL 'S ON XXXX XXXX, XXXX. 

WE ARE BACK TO RE-SETTLE THIS MATTER WITH MONETARY VALUE, PLEASE SEND STTLEMENT AND RELEASE IN THE AMOUNT OF {$1500.00} FOR T.C.P.A. VIOLATIONS.
Product: Student loan

I consolidated my loans in XX/XX/2011 and they are now being serviced by Nelnet. Their online system is terrible and there is no way to accurately track where my payments are going. The way my monthly payment is allocated changed in XX/XX/XXXX, and I did not receive any notification. The people I have spoken to indicated it may have been sent electronically, I received no email and there is nothing available in the online portal. 

I have also begun making extra payments, and they are not being allocated in the manner that I directed. Every time I call and speak to a different person, I get a different answer about how my loan payments are being allocated and why.
Product: Debt collection

XX/XX/2022 Amounts : {$2100.00}, {$5300.00} Navy Federal Credit Union has in their system that i owe them 2 debts but have no signed contract by me indicating that i owe them said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.