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

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX  XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  sent me letter to confirm 2 disputes I have costing more than {$600.00} total taken from my acct. They state after investigation they are going to credit my acct. Ive called several times cause I never saw credit & asked for proof of credit. Kept getting the run around. XXXX has taken out {$13.00} a month from my acct from XXXX XXXX XXXX  for service to an XXXX XXXX that I cancelled service to in XXXX. When the co changed hands from XXXX to XXXX & transferred my acct to XXXX in XX/XX/XXXX, is when they started charging me for XXXX service. Whereas XXXX had it cancelled properly. I complained & explained that I dont even have a XXXX SIM card to use the watch which should prove that u didnt have or want use of it. I have letters showing that acct is inactive but they wont reimburse me. 
XXXX XXXX XXXX has misreported deragatory info to credit bureaus three times. Ive contacted them about mistake but was not helped. XXXX XXXX XXXX  XXXX XXXX XXXX has reported deragatory info to my credit bureaus & have stated I live in CA which is showing now on my credit. When I tried getting credit in XXXX state where I live, theyre telling me my credit report shows I live in XXXX  so Im denied.
Product: Vehicle loan or lease

Due to a total loss to my vehicle, I am due a refund of {$770.00} from a GAP policy through XXXX XXXX XXXX XXXX XXXX XXXX . I spoke with an agent of XXXX who told me I must get my refund from my loan company, Audi Financial. I spoke with an agent at Audi Financial and was told I must get my refund from XXXX. Also, XXXX  is not paying the amount of {$770.00} because of Condition Adjustments. I have a document from XXXX stating there was no prior damage to the vehicle. They are not disclosing what the condition adjustments are. Both of these amounts were financed through Audi Financial.
Product: Checking or savings account

Arvest Bank in XXXX, OK. On XX/XX/2018, I walked into a local branch to close my account and was told by the clerk that she could not close the account but that I could wait for a sales person to become available to help me. I chose to withdraw all my money from the account and then indicated I would go through their XXXX number since I did not have time to wait for the local branch sales person. 

I then went home and contact Arvest through their XXXX line. After 20 minutes of hold time, a representative came on the line to take my information down and then told me that they could not close my account, but if I would hold, they would get a representative on line that could close my account. Another 10-15 minutes of hold time and the initial rep got back on the line to apologize that all of the reps were busy ... but one would call me just as soon as they got off another call. 2 hours pass. 

I call again to the XXXX line to go through the exact procedure above, again to find out that no representative is available to help me. I know they are stonewalling me and will try to keep me hanging long enough to charge me a fee for insufficient funds in the account ... this seems very poor and I don't know what I can do about it except ask for your help. 

Thanks, XXXX
Product: Mortgage

Please see the attached. I believe my Client has not been treated fairly, and is now facing a Sheriff Sale in 3 weeks after years of trying to do the right thing and sell his property. We nee d these Mortgage Companies to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Credit card or prepaid card

My XXXX  from XXXX has been getting deposited on Relia card since XX/XX/XXXX. I had no problems using the card until XX/XX/XXXX. Relia card locked my account and asked me to fax documents proving my identity. I faxed all the documents they asked for except my XXXX tax return. The reason that was not faxed was because it was done online as just a non working tax return. This complaint is very urgent due to the fact that i have no money to live. I am about to be evicted due to relia card not allowing me to access my money. I have tried to get XXXX to deposit my money into my checking account but they keep putting my money on this Relia card which has unlawfully locked my money. They have a horrible customer service. Please i do not want to have to pay for a lawyer to allow me to access my own funds. At this point i feel they are stealing my money. There is no fraud i couldnt remember my password to sign into their mobile app so i tried over three times amd they locked it. Like i said this is very urgent i get this fixed. I have called their customer service everyday to try and get this resolved. Please let me access my money from XXXX. That relia card is a horrible pre paid card i just want what is rightfully mine.
Product: Mortgage

Flagstar Bank I have had multiple issues with the lender. My loan was sold to Flagstar in XXXX. Issues are around the mishandling of payments and then charging exorbitant fees because payments are missed. Customer service is also very bad to try to correct things. 

The two biggest issues : Issue 1 : Around XXXX of XXXX my loan was sold to Flagstar. My escrow assets were transferred over. Meanwhile, they did a " recalculation '' on my escrow amount due and took my next auto payment and applied it to the escrow. and NOT the loan. Since it is auto payment I don't keep tabs. They later notified me that I had missed a payment and they charged me a late fee. I had to spend hours on various phone calls to get it sorted out. 

Issue 2 : XXXX, XXXX, XXXX ( Friday, late in the day ), I got a call saying I was delinquent on my payment. Again, lots of transfers to different departments and they told me that my payment was received TOO EARLY so they applied it to my principal and interest and NOT my next month 's payment. It was received on XX/XX/XXXX to be applied to XXXX. Only 7 days early! They also charged me {$110.00} as a late fee for " missing '' my XXXX payment. {$110.00}!!! 

I feel like this is a pattern. This jig involves administratively shuffling payments around in hopes of triggering a missed payment. Unless you are willing to spend hours on the phone to correct it, I'm sure it will not get caught. They said they will fix this most recent issue, but if it is anything like the last issue they will find a loophole to not fix it unless I make a few more phone calls and keep a close eye on it. 

I wish there was a way for me to choose who my loan was sold to. My last loan was sold to XXXX XXXX, and they were AWESOME! Great app, great website, great service! Flagstar Bank seems to be still in the 90s. Endless runarounds, high fees, terrible website., everything done by mail. They told me they can not email anything. 

I wish they would be investigated and fined! this seems to be the only way big banks learn their lessons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to notify you that I was the victim of identity theft. I studied up on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization. 

XXXX OF XXXX XXXX XXXX : {$13000.00} ; XXXX CARD XXXX Balance : {$7400.00} ; XXXX XX/XX/XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$83000.00} ; XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX) XXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau is reporting an erroneous debt on my credit file and it must be removed. I recently looked at my credit report and noticed this debt was reporting. I never received calls, letters, or any notices about this debt before reporting on my credit file. This violates my 30 day right to dispute under the FCRA. Not only that, this account is past the statute of limitations in the state of Utah according to my attorney general. You can no longer make any collection efforts on this account and it must be removed. If this wasn't enough, it's also past the credit reporting limit! Please remove this account immediately. I am aware that you are the furnisher and can report to the bureaus as you deem fit, so please do not say you can not remove this, I know that you can and you must.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and they said they have not authorized Equifax or anyone to call and ask for personal information or offer services on their behalf. I believe this to be a scam. The phone number is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter requesting the 3 credit bureaus to investigate every piece of information on my credit report. According to FCRA, credit bureaus are supposed to investigated these items. They have sent me notification that the items were verified. They didn't do a proper investigation according t

o t he law. Every piece of information listed on my credit report is still not 100 % accurate.

The credit bureau has violated 15 USC 1681. The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ). The following accounts were not properly investigated : XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights, XXXX XXXX # XXXX has violated my rights, XXXX XXXX # XXXX has violated my rights, XXXX XXXX # XXXX has violated my rights, XXXX XXXX XXXX # XXXX has violated my rights, 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 an account without 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 or 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: Mortgage

I was pre approved for a VA mortgage loan through Intercontinental XXXX XXXX. I started the process submitting all of my documents and aroundXX/XX/XXXX they told me that I did not qualify. On the XXXX I reached out to the group through phone call, email and text they have not responded. Before I made the request they suggested my wife try an FHA loan in her name. She reached out to them today about the FHA loan and they quickly responded stating they would call her at XXXX to discuss next steps. She then emailed them requesting a denial letter for me and they have not responded to her request either and is still awaiting their call. It is now XXXX.
Product: Bank account or service

i have try to make loan and credit card application at chase bank but i was turn down in the report i send you with the attachment on page XXXX at the top in the report chase bank show me as a creditor chase bank did not give me any loan or credit card because they did not give me any thing i can not be a creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced recovery reported to my credit report for XXXX for charter communications. I do not believe this debt to be mine and have not received any validation. This has popped up before under a different collection agency that was also found to be invalid and was already removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at personal credit card account opened at XXXX opened on XX/XX/XXXX and unknown account opened at XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

Sagestream LLC is reporting negative credit information, I want info removed and them removed from reporting, thank you XXXX
Product: Checking or savings account

Was charged since open my account years ago overdraft fees eve at times money there or if I dont have money I have XXXX bank accounts with Navy federal Bank customer service has nothing to say when you call them and this ha gone on for years with an occasional reversal of my fees from both bank accounts I have with Navy Federsl over the years
Product: Debt collection

A few weeks ago ( XX/XX/XXXX ) I received a letter in the mail from XXXX  XXXX regarding an accident in XX/XX/XXXX. The letter did not have the correct mailing address for me. I contacted XXXX  XXXX on XX/XX/XXXX and they gave me information stating that the item has been passed on to Wilbur and Associates for payment. While talking to the agent with XXXX  XXXX, I updated my contact information so they had the best way to reach me at on file. The letter from XXXX  XXXX stated that the amount owed was {$630.00} but when I contacted the Wilbur and Associates, the amount due was over {$1200.00}. When speaking with the agent, I let them know that the information given to them regarding my address and phone number were not correct and needed to update the information which was done today. After calling back later today to set up a plan, the agent with Wilbur and Associates would not provide me with the documentation about the debt but needed to have a payment of {$600.00} today. I was not contacted regarding this issue and my mailing address on file is correct. When dealing with the agent, I was harassed and denied information needed in order to pay the debt. Also, the agent told me that she would suspend my license and revoke my car since I could not pay the full balance today. These treats should not be used when a customer is trying to fix the issue.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the Equifax Data Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation has been happening since XX/XX/2022 and it is still not fixed. I have provided this bank every payment I have made for my mortgage and they seem to think I still owe them money. I have emailed them, called them and NOTHING of any change! 

I have reached out to the Office of the Chairman, and this person is not providing me a transaction report of WHY my account shows I am behind. I have paid every single month for the full amount PLUS an additional amount that was asked of me to supposedly fix the underpayment. The fix NEVER happened so I paid the full amount since then so I asked for my overpayment back. NOW this bank is saying my account is behind. How is that possible for my account to be behind when I have paid every month complete? 

No one has provided me a report as to why my account shows behind. The online transactions do not make sense and believe it was done incorrectly as it looks like things are paid, moved over and done their own funny reconciliations. 

I am asking to please explain why I owe money when I have paid every month in FULL. I have the transactions from my bank to prove it and I MATCH them with my account but something in the reconciliation shows as if I owe more. I was told late fees would be removed so why am I owing XXXX more when I have paid my other months in full? This bank will not explain to me in detailed. I have been yelled by a lead XXXX who did not help me. Every representative just says a scripted message and can not explain the details transactions even though I specifically say, here are my payments, why do I owe? One rep even told me I owed about {$800.00} to keep my account current. Where did {$180.00} go to {$800.00}? 

I used to have great credit until this bank. THIS BANK IS HORRIBLE. I am a good paying citizen and I have been treated poorly by this bank. There is no clear answer as to why I owe when I have proof that I dont. This has been going on since XX/XX/2022 AND I have paid every month and the account shows one behind. My credit is ruined and I need this fix. this bank never sent me any correspondence certified telling me this change of anything. THIS BANK needs to have further disciplinary action as I do not think what they are doing is ethical. They are telling me to pay for something I don't owe but yet they won't give me clear explanation why I owe. I PAID MORE than WHAT I OWE and when I asked for my overpayment, they said they want it back. WHY??? I need help immediately as this bank still has not fixed my issue and my credit keeps showing as if I am not paying my mortgage on time when I am. I have everything in writing too. I just need this fix, this has caused a lot of stressed when this has not been my fault.
Product: Debt collection

XXXX  is still reporting me a collection account that I have already settled and have proof of a " Deletion Letter '' directly from the collection agency. Please see the attached document as proof. XXXX  is the only bureau that is not doing their due diligence in reporting accurate information. This collection account needs to be deleted asap from my credit!
Product: Credit reporting or other personal consumer reports

Hello I have now been dealing with this going on 8 years when someone stole my idenity. And I have spoken with many representatives regarding this debt. As this account is now hitting its 8th year mark and still being reported on my credit report. This account is not mines as I been stating the whole time I have never lived at this address nor do I have any knowledge of this account. Im asking for immediate removal as this has caused me alot of financial hardships. Im requesting immediate removal or I will find a consumer law in the next 30 days regarding this matter. As I have not been able to get a place. Also on each bureau they are reporting different last 4 of socials, different open and closed dates im just frustrated with this as I will attach a copy when requested. It multiple accounts that have been listed as I will provide attachment.
Product: Student loan

Hello- my student loan was paid in full on XX/XX/2022. However, the payoff left a residual {$19.00} balance. I called and asked to have the balance waived, and was met with a ton of resistance, over a balance less than {$20.00}.
Product: Credit card or prepaid card

Received information in flyer that Sears ( Citicard ) would rebate 10 % of charges for gas, restaurants and grocery store purchases XX/XX/XXXXthrough XX/XX/. Never got them. Talked to citicard rep on XX/XX/XXXX and was told needed to make {$2000.00} in such charges per month to get 10 % back. The flyer didn't say so. Rep said they'd email the details but never got email. I made {$3500.00} in such purchases XXXX to XXXX. So am owed about {$350.00}.