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

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Dear XXXX XXXX, I am formally disputing your handling of my previous credit report disputes under the Fair Credit Reporting Act ( FCRA ), citing negligence and non-compliance in conducting a thorough investigation as required by law. Despite my repeated efforts to have inaccurate, incomplete, or unverifiable information removed from my credit report, your failure to conduct a reasonable and proper investigation has resulted in continued reporting of erroneous data, negatively impacting my financial standing. 

Under the FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation of disputed information within XXXX  days, and if the disputed data can not be verified, it must be removed. I have provided sufficient documentation supporting my disputes, yet you have failed to meet this legal obligation by either verifying the information inaccurately, failing to provide proper documentation of verification, or simply ignoring my request altogether. 

Due to your non-compliance, I am demanding the immediate deletion of the following inaccurate accounts : - XXXX XXXX XXXX : Account Number starting XXXX amount {$490.00} -XXXX XXXX XXXX  : Account number XXXX amount XXXX - XXXX XXXX XXXX  : account number XXXX Failure to comply with this request XXXX result in legal action against your organization for willful non-compliance and civil negligence, as I will not hesitate to pursue my rights under the FCRA XXXX which allows me to seek damages for your failure to follow the law. I expect a prompt response within the legally required timeframe. Please send written confirmation of the removal of these accounts or a detailed explanation of your verification process, including the method and source used. 

I am keeping records of all correspondence related to this matter. If I do not receive an adequate response, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal remedies. 

I look forward to your prompt attention to this matter. You may contact me in writing at the address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

I have two collections on my XXXX Credit report from XX/XX/2014, they are from a company called CMRE however it says they are originally from the city of XXXX  XXXX. They showing a balance of {$2000.00} with an original loan amount of {$1300.00}. and another with a balance of {$410.00} I have tried to contact CMRE multiple times and I have not recieved any mail, returned calls, or anyone willing to help verify that this is my debt, I have sent them written requests and I have disputed through XXXX, and XXXX says I have to write another letter. These collections are holding me back from starting my new family and incesting in my future and I would like to file a complaint becasue I feel that by not responding to me and clarifying my debt that they are out of compliance. 

I am 100 % confident this is either a mistake or some sort of identity theft
Product: Checking or savings account

My Checking account balance is currently at negative {$120.00} due to fraudulent transactions that occurred on XX/XX/20 for the amounts of {$1000.00}, {$1000.00} and {$310.00}. The bank chose to take away the provisional credit and did not explain why they were not protecting my account from fraud. 

Three things are happening now ; I am now responsible for the fraudulent transactions, my Checking account in now in a negative balance that the bank claims I am responsible for, and they are threatening to report my account to XXXX XXXX XXXX. with negative comments so that I can no longer open a Checking account at another financial institution.
Product: Checking or savings account

To whom it may concern, I received in the mail a new debit card to CapitalOne Bank for a XXXXchecking account. 
I did not open a new checking account with CapitalOne Bank. 
I contacted the activate card division first using the phone # provided on the letter, alerting them that I did not open a checking account. They informed me that I was a victim of identity theft and I should contact all 3 of the credit bureaus and alert them and take action to protect my identity. 
I then contacted CapitalOne Bank online dept. and tried to find out any info on this checking account, the only thing I found out was on XX/XX/2022 it was opened and as of today XX/XX/2022 it is closed.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Late Payment on Credit Report Dear Equifax, I am writing to dispute an incorrect late payment that is being reported on my credit file. I have reviewed my credit report and noticed a late payment entry for the account with XXXX XXXX XXXX. The account details are as follows : Company Name : XXXX XXXX XXXX Account Number : XXXX This entry is erroneous, as I have never been late on this account. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit information. Under 15 USC 166B, I am requesting that you remove the inaccurate late payment from my credit report and update the account to reflect my accurate payment history. 

Please conduct a thorough investigation into this issue and remove the incorrect late payment from my credit file. I appreciate your prompt attention to this matter and request confirmation of the removal. 

Thank you for your cooperation.
Product: Debt collection

I submitted my report from the federal trade commission this is NOT my account, I have no knowledge, they threaten a lawsuit. I never owed XXXX to cash net usa, and they refuse to delete the account and threaten legal action
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion, XXXX, and XXXX report from XX/XX/XXXX : Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
Multiple inquiries were made on my credit report within one day of each other. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information immediately. Thank you for your assistance.
Product: Checking or savings account

My account was overdrawn {$5.00} and I was charged a {$35.00} fee for everyday the account remained overdrawn. It isnt outlined clearly thats fees are assessed daily and fees being charged for having fees doesnt seem right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. 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 or other personal consumer reports

On XX/XX/2023 a charge off account report to my credit. The account name is XXXX XXXX XXXX. When this account report to my credit I file a dispute the same day stated the account doesnt belong to me When it came back verified, accurate I dispute it again and it came back verified and accurate.. During the process I dispute this account twice in 10 and it came back accurate both times. Im victim of identity theft and have had accounts put in my name before. The issue Im having is that this account drop my credit score XXXX points and it isnt mine
Product: Credit reporting or other personal consumer reports

I have been trying to get XXXX, XXXX, and Equifax to send me a copy of the following : Method of Validation, Method of Verification, and Proof of Ownership of the account from either the 3 agencies or the Creditor itself. I am unable to receive any of these items and it causing a hardship to financials. I went ahead and made a complaint concerning the account to several other agencies that govern XXXX XXXX XXXX XXXX 
I have attached a complaint from the FDIC and the Mortgage and Savings Department of Texas for violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15USC1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Transunion and XXXX are consumer reporting agencies and I am the Consumer XXXXI have the right to make sure my private information isn't shared which is backed by 15USC6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or other wise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again with out my permission which is against the law 15 U.S 1681s 2 ( A ) ( 1 ) A states '' 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. 15U.S.Code168 1estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX Transunion and XXXX are not maintaining reasonable procedures. Also 12CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent copy of my Federal Trade Commission # XXXX identity theft report to XXXX, XXXX, and XXXX  via mail explaining that I've recently have become a victim of identity theft and that several accounts including XXXX  XXXX, XXXX, Ar child support, Ar XXXX XXXX XXXX, and Mid-south collections were opened and or established without my knowledge or consent. Since my dispute today marks day 38 days total and I've yet to have heard or received any correspondence from XXXX, XXXX, or XXXX. I checked my credit report this morning and these same accounts still remain reporting on my credit report. I still have several addresses that are currently displaying that were requested to be removed during the same time my initial dispute was sent to XXXX, XXXX, and XXXX. Since it has bee over 30 days and I've yet to receive any nor accurate verification period, Per the Fair Credit Reporting Act ; XXXX, XXXX, and XXXX  must delete all of the fraudulent accounts from my credit file and send me an updated copy after the deletions have been made. I exercising my rights per section 605b, 609, and 611. I will include a copy of my report with this complaint.
Product: Mortgage

I was approved for a short sale with my Lender Ocwen on XXXX/XXXX/XXXX and have the approval letter for the short sale from Ocwen and a copy of the Final HUD-1 closing statement showing I was the seller. However, I have proof that XXXX is reporting this as a foreclosure on my credit report. This is reporting in error as this was NOT a foreclosure it was a short sale which only has a 4 year waiting period after the short sale to get qualified for a new home. I am trying to purchase a new home and because of XXXX reporting Ocwen as a foreclosure I am unable to get conventional financing and purchase a new home at this time. I need to get Ocwen to fix this with XXXX
Product: Mortgage

The loan requirements kept changing. I was told I needed to buy down my rates to qualify after being told initially that I was definitely pre-qualified. I went from having money in hand after the sale of my house to somehow owing {$2700.00} at closing. This was never communicated to me until the night before closing.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX $ {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$150.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX  {$220.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$150.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. Please UPDATE and CORRECT the status of the account below : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time that I am disputing, yet the erroneous items still remain, I am redisputing again as a follow-up that the disputed items must be deleted because I have no affiliation with them. 

Kindly remove the following items for I have no relation with them : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I visited XXXX XXXX to inquire about purchasing a vehicle. During the transaction process, XXXX XXXX conducted a hard credit inquiry on my credit report on XX/XX/year>, without my explicit written consent. Under the Fair Credit Reporting Act ( FCRA ), such actions require signed authorization, which I never provided. 

Following this, I reached out to the dealership via email and text messages to dispute the inquiry and clarify that I had not authorized it. Despite my efforts, including communication with XXXX XXXX and XXXX XXXX on multiple occasions, XXXX XXXX failed to justify their actions or rectify the issue. I escalated the matter to Experian and filed a dispute ( Dispute Code : XXXX ) with supporting documentation, but the inquiry remains on my credit report. 

The unauthorized credit inquiry has negatively impacted my credit score, causing financial harm and stress. XXXX XXXX 's lack of responsiveness and failure to address this issue in a timely manner further demonstrates their negligence and disregard for FCRA regulations.
Product: Credit card or prepaid card

On XX/XX/2022, I opened a credit card account with AVANT XXXX. Since opening the account and paying an annual fee of {$39.00} I have yet to receive my credit card. I have spoken to them numerous times on the phone and given the same response that I will receive a new credit card within 10-15 days. 
I called then on XX/XX/2022 @ XXXX, XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX, XX/XX/2022 @ XXXX. What can be done about this? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on XX/XX/XXXX, I realized i have several unauthorized inquires on my credit report. This is a violation of the privacy act 1974, also violates FCRA 15 USC 1681 B. 

This also constitutes as identity theft being that i never gave any corporation my consent to check my credit or pull any information regarding my estate. 

I have notified the FTC an attached a copy of my report
Product: Mortgage

I entered into a HAMP modification many years ago. My mortgage payments have stepped up much faster than my income has gone up and I am unable to make such a high payment. I reached out to my mortgage service again to ask for assistance. 

XX/XX/XXXX - I sent in my application. 

XX/XX/XXXX - I received a letter tat acknowledged my complete Loss Mitigation Application had been received on XX/XX/XXXX XX/XX/XXXX - I logged into my account on fayservicing.com and saw language that stated I had " Promised to Pay '' an even higher amount than my normal monthly payment. 

XX/XX/XXXX - I contacted the CEO of Fay Servicing via email. I received a call back from my Account Manager, XXXX XXXX. He stated that an evaluation for modification was not completed as the underwriter determined that I qualified for a repayment plan. I submitted a request for an appeal. 

XX/XX/XXXX - I received correspondence dated XX/XX/XXXX that my request had been received. 

XX/XX/XXXX - I attempted to contact XXXX XXXX, Account Manager, and XXXX XXXX, CEO. I received no communication back. 

XX/XX/XXXX - I still have not received communication from Fay Servicing and XXXX XXXX is still showing on my account as my Account Manager XX/XX/XXXX - I attempted to contact XXXX XXXX, Account Manager, and XXXX XXXX, CEO. I received no communication back. 

XX/XX/XXXX - XX/XX/XXXX - I again attempted to contact XXXX XXXX, Account Manager, and XXXX XXXX, CEO. I received no communication back.
Product: Mortgage

on XX/XX/2022 we sent an application for mortgage assistance. we spoke with carrington several on the phone and they informed us of all paperwork they needed. they mailed a letter stating they needed additional paperwork and in this letter did not communicate what else they needed. I called them and was told they needed awards letter for social security and pay stub for myself. I inform her that i do not get social security XXXX and my new employment with XXXX XXXX pays once a month and it would be another month before I receive my first paycheck. She said ok write that out and send it to them. 
we then received a letter dated XX/XX/2022 saying our application had been cancelled. we called them upon receipt of letter and was told 30 days had passed and we had not given them all required documents. 
On XX/XX/2022 we submitted another application with all the required documents. we received another letter dated XX/XX/2022 saying that my documents were more than 90 days old. **** please see dates on documents*** We have constantly gotten the run around with carrington Mortgage with our mortgage assistance application. This company has very poor communication.