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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Mortgage

Bank Of America Mortgage Account numberXXXX Hi, I spoke to a rep and I have a 6.625 % interest rate- I asked to refinance and they said I could not because I am in a DEFERMENT program. Rates are very low and it would help me out along with me reading that banks are offering to streamline refinance consumers. I need help getting this process started- I have a great credit score and should be able to take advantage of the low interest rates-
Product: Checking or savings account

I had a XXXX account with a US bank that I closed. I have not been able to use XXXX  with any of my new banks due to this XXXX  account not being properly closed. 

I call XXXX and US Bank, and they each blame each other with no resolution or conference call.
Product: Debt collection

I am filing a complaint against California Business Bureau, XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX, phone : XXXX. After I have paid my balance with this agency back in 2014, I was promised verbally over the phone that they will remove the report on the XXXX major credit bureaus and that they will send me a deletion letter so I could follow up myself through. Up to this date, they have not mailed me the letter and they have refused to removed the record on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed a series of credit inquiries I did not authorize and have no knowledge of. I reached out to XXXX, Experian, and XXXX via phone when I noticed to alert the companies that somebody has been using my personal information without my permission. I also stated to them that furnishing information to my account that I have no knowledge of and that's also due to identity theft further violated the FCRA and was governed by 15 USC 1681. I seen a huge impact on credit report from these inquiries, and it quite frustrating because I am not the one who has applied or attempted to get a line of credit. The inquiries I noticed are from the following companies : XXXX, XXXXXXXX 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 XXXXXXXX I've counted of XXXX inquiries on my credit profile that I have not authorized.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Formal Dispute Regarding Failure to Investigate Disputes Properly Dear Equifax, I am writing to express my concerns and dissatisfaction with the way Equifax has handled my recent disputes. Despite my clear and detailed submissions, it appears that Equifax has failed to conduct a proper investigation into the matters I raised. Instead of receiving resolutions, I have only been met with stall letters that do not address the substance of my disputes. 

To summarize, on XX/XX/year>, XXXX XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, I submitted disputes regarding inaccurate and outdated information being falsely reported within my credit report. Despite providing ample evidence and documentation, I have yet to see any meaningful investigation or resolution. The letters I received from Equifax were vague, non-responsive, and failed to address the inaccuracies I reported. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. It is my firm belief that this obligation has not been met. Sending out stall letters in response to valid disputes not only delays the resolution process but also causes undue stress and potential harm to my credit standing. 

I respectfully request that Equifax takes immediate action to : 1. Conduct a thorough and proper investigation into the disputes I have submitted. 
2. Provide a clear, detailed, and specific response that addresses each of the issues I raised.

3. Remove any inaccurate or unverifiable information from my credit report promptly.

4. Provide me with a written confirmation of the actions taken as a result of this investigation.

Please note that if Equifax fails to comply with its obligations under the FCRA, I will be forced to consider further action, which may include seeking legal counsel to ensure my rights are protected. 

I trust that Equifax will take this matter seriously and resolve my disputes in a timely and thorough manner. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This account had been closed and Paid. I am receiving notices after four years about the balance. This is a closed account and still shows on my credit report. Closed XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Equifax on many occasions about unauthorized inquiries on my credit report. Ive called for months, Ive spoken to numerous representatives, but they are insisting they do not removed inquiries from credit reports. Ive contacted every company that was listed on my report and I was informed to dispute it through the credit bureau. On three occasions Ive disputed my information that was on my credit report and was informed that they were factual. This is not true. There was a credit card application for XXXX XXXX that was attempted to run in my name that appeared as an inquiry on my credit report. I then XXXX the name of the company and informed them that I was not the applicant. XXXX XXXX did tell me that they were going to remove the application, and also forward the request to the credit bureaus. After disputing it yet again from my credit report, it came back factual again. I then contacted Equifax and told them that I gave a letter stating exactly what XXXX told me and yet still was not successful. There are nine inquiries from XXXX XXXX on my credit report and again. I called the bank and told them that Equifax will not remove the inquiries off my credit report and was told from the credit bureaus that they are not linked to any account. XXXX told me to dispute them through the credit bureau and yet again, they came back factual. My bank told me that the credit bureau can dispute them and they will fall right off. I have one inquiry from XXXX XXXX that is NOT mine and yet again Equifax was no help whatsoever. I also have four inquiries from XXXX that are not linked to any accounts and yet still Equifax was no help. For months I have been trying to rectify these unauthorized inquiries and have been turned down. After contacting each creditor, I was told to contact the credit bureau. The only way I was able to get some type of document from XXXX was because I had to beg. That is very degrading. And after receiving the letter I tried to fax it into Equifax, they told me that inquiry could not be removed. I then tried to dispute, and was still not removed after having proof! This is absurd! For months I have been dealing with the run arounds, and the misleading information Equifax has giving me. There needs to be some type of resolution to this issue because its damaging my credit worthiness.
Product: Credit reporting or other personal consumer reports

Transunion is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Product: Money transfer, virtual currency, or money service

Wells Fargo bank claims it provided cashiers check payable to me for CPI payments nearly 2 years ago and continues to ignore facts such as bank sent a check to a wrong address where individual residing girlfriend actually worked at the bank, Wells Fargo employee XXXX stated on recorded line check was cashed, it is clear I am a victim of fraud including identity theft. In XXXX of 2022 I sent certified affidavit including my signature for investigation, to this date I have not received any outcome of the investigation nor any follow up from Wells Fargo regarding this case. More than XXXX US dollars was stolen from me what appears to be organized calculated crime by their internal bank employees and cartel members in conjunction with the bank and other financial institutions. I filed complaint with OCC and DOJ to assist with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been letting Equifax know that the accounts for XXXX XXXX & the inquiries on the identity theft report are not mine & need to be deleted. I keep getting the run around and items still reporting.
Product: Credit reporting or other personal consumer reports

I gave Nelnet over 20 Promissory notes and they arm harming my credit, trying to collect money off me after they made millions and they are comitting security fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute certain unauthorized and fraudulent inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that my credit report includes only accurate, verifiable information. My credit was used to fill out multiple Applications for a sallie Mae loan, which I did not authorize. 
The inquiries I am referring to are as follows : 1. Sallie Mae B XXXX XXXX, 2024 I have reviewed my records and confirm that I did not authorize these inquiries. As per **Section 1681b of the FCRA**, an investigation can only be made on my credit report when I provide consent or in certain other circumstances. It is clear to me that these inquiries do not meet those requirements and, therefore, should not remain on my credit report.

Under **Section 1681c-2 of the FCRA**, any inquiry that is made without proper authorization is considered unauthorized and should be removed immediately. I request that you investigate and remove these inquiries from my credit report as soon as possible. Please provide me with written confirmation of your actions. 

If you can not remove the inquiries, I request that you provide me with detailed information on how these inquiries were made, as well as any supporting documentation. 

Please find enclosed a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my identification for verification purposes. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - XXXX
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 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

I am writing to formally dispute and request an investigation into the accuracy and completeness of the following account ( s ) reported on my credit file. I believe there may be inaccuracies that need verification. Please see the account details below : XXXX. Account Name : XXXX XXXX XXXX XXXX o Account Number : XXXX ( partial for privacy ) o Dispute Reason : Potentially negative months, outstanding balance discrepancy, and late payment reporting. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX ( partial for privacy ) o Dispute Reason : Balance paid off ( 100 % ), yet listed as " potentially negative, '' and other reporting inconsistencies. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation to ensure that these accounts are being reported accurately and completely. If errors or inaccuracies are found, please correct them or remove the accounts entirely from my credit report. 
For your convenience, I have attached the relevant portions of my credit report that highlight the accounts in question, as well as any additional documentation to support my dispute. 
Please provide me with the results of your investigation, including any updates made to my credit report. Additionally, I request an updated copy of my credit report reflecting these changes. 
If you need further information from me, please do not hesitate to contact me. 
Thank you for your time and prompt attention to this matter. I look forward to your resolution within the time frame required by the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$300.00} Balance ; {$1200.00} Opened : XX/XX/year> This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX Sec. XXXX ( a ), you must complete this investigation within 30 days. of receipt of this letter.. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.
Product: Debt collection

Accounts reported on credit that aren't mine and I didn't open them.
Product: Credit reporting or other personal consumer reports

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately.

I attached on this complaint the XXXX  copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Product: Credit reporting or other personal consumer reports

i have requested that these security freezes to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

when I CHECK my credit score it show I HAD A COLLECTION. I never open an acount with XXXX XXXX XXXX with out my permission and my knowlege.
Product: Credit reporting

Submited online dispute as well as called Transunion about this issue. This is the 4th attempt thst I have made to have them remove inaccurate information. It has been requested to remove the inaccurate previous addressses. Every address except my current one has been requested to be removed. Transunion keeps telling me they will remove them but do not. I just removed my credit report and yet again the inaccurate previous addresses are not removed.
Product: Prepaid card

I am a customer of the prepaid visa rush card. I believe this was fraud. I have been locked out of my account for over two weeks, I have not had acces to my funds and I have bills to pay as well as a child to feed. Whenever I contact customer service I can not get through and when I do the rep hangs up on me. My balance for my card is very inaccurate. I had a balance of XXXX $ which is for my car payment and now the money is gone. I have no idea where it is and I can not access my money at an atm. If I could please get some help before I am without lights and a car I would really appreciate it.
Product: Mortgage

I paid off my mortgage in full on XXXX and Seterus has not yet issued a discharge letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about  XXXX   XXXX  i had my   XXXX   XXXX   account switched to my business checking for auto pay and  XXXX  dollars over the min payment and then I get notified on the  XXXX  of  XXXX  that im 2 months behind they have record of me switching it but evidently messed up and put auto pay for  XXXX   XXXX  then told me they could not do any thing to reverse what had  XXXX  reported to credit agency so this has ruined my 8 years of  100  percent payment history and dropped my score now my other credit cards have lowered my limit by thousands inaffect raising credit utilization lowering score more and raising interest and payment I have worked really hard at hav ing 100 percent  history and never make min payment for 8 years for this to happen over   XXXX   XXXX  t mistake is not rite and for other cards to lower limit raising utilization is even worst I hope someone can help me thanks  XXXX
Product: Vehicle loan or lease

My vehicle was purchased in XXXX XXXXXXXX, a XXXX Kia XXXX XXXX, XXXX XXXX. The purchase was financed through XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX NY XXXX ). I have provided purchase/loan documentation outlining that agreement. 

When purchased, Kia Motor Finance/Hyundai Capital Services ( HCS ) was added to my NYS Title document erroneously. Kia has no financial interest in the vehicle - it was purchased from a Kia dealer - XXXX Kia, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. However, the financing was completed solely through XXXX. 

I paid my loan through XXXX on time and without issue, and as a result XXXX released their lien from the vehicle appropriately. According to NYS DMV, they are no longer shown as a lienholder on the vehicle which is correct. However, HCS shows as a lienholder despite having no involvement with the purchase of the vehicle. 

On XX/XX/XXXX I was in an accident that will total the vehicle, according to my insurance. However, because Kia/HCS is still listed as a lienholder, my insurance company can not take action on providing my compensation for the accident. Through the series of discussions below I was instructed to email XXXX and provide all documentation as well as a written explanation of the issue, which I did on XX/XX/XXXX. 

I have contacted Kia Customer Service XXXX times between XX/XX/XXXX and XX/XX/XXXX, and have been continually told that Kia/HCS can not provide a lien release or a document stating they have no financial interest in the vehicle because I am not a customer of theirs and they can not locate my VIN # in their vehicle database. This is precisely the issue- they will not locate the vehicle in the database because they have never had any financial interest in the vehicle and I am not Kia/HCS 's customer. Each time I have been on the phone with Kia/HCS for XXXX XXXX and XXXX minutes, and the resolution is that I have no choice but to wait for a response from XXXX. 

I have received no response in any way from my emails, have been told by customer service and Kia/HCS title that there isn't anything they can do and do not know the status of the request. Meanwhile, I am out a vehicle and am not able to be assisted by my insurance company until I can provide documentation stating Kia does not hold a lien on the vehicle. I see online that some people have waited upwards of XXXX weeks for a response, which is unacceptable.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed I want the CFPB to publish