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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial is reporting two accounts as derogatory on my credit report. One account is showing I owe {$3300.00} and have never received any invoice for the charges. BMW agreed to remove the derogatory reporting if I paid the balance in full due to not receiving the invoice. I paid this balance on XX/XX/XXXX and it still remains on my credit. BMW is also reporting that there were late payments, which is impossible because I had this account on direct debit. There is a second account with a balance of {$9700.00}, which was also paid and BMW agreed to remove all derogatory reporting. BMW also informed me that this account should not be negatively reporting on my credit as it would not be considered past due until XXXX of XXXX. This account also shows late payments, which both are paid in full and BMW agreed to remove all derogatory reporting to my credit. BMW is charging me {$370.00} for a disposition fee and has agreed to waive it if I lease another BMW. I am unable to lease another vehicle due to the derogatory reporting significantly lowering my credit score. I am currently renting a vehicle due to this situation.BMW Financial also harassed me via telephone while I was out of town due to my mother being terminally ill and ended up passing away in XXXX and XXXX of XXXX.
Product: Mortgage

To begin with, the letter sent demanding XXXX as a shortage on my escrow is illegal via RESPA and as of XXXX Maryland Law. It does not matter if my bills increase, if I pay into escrow additionally ( as I did this year ) or as in XXXX if the bills decrease as in my home owners insurance, the property tax was EXACTLY THE SAME as the previous year. I have received the huge demand letters before and they have been resolved, specifically since I am on a mortgage modification. 
So with that I paid into the escrow XXXX XXXX XXXX and for the remainder of XXXX paid XXXX. This leaves a credit balance of XXXX plus the XXXX I paid in XXXX ( estimated ) you do not have in the Escrow total at all. You estimated everywhere else, but not that payment to escrow and you auto -deduct. It is unfair to do an analysis with 11 months it is not a fair analysis of the Escrow for the year ... it skews things in the lenders favor. 

CREDIT DEBIT XXXX XXXX XXXX XXXX XXXX XXXX ( additional pmt supposed to be fixed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 11 pmts ) XXXX ( XXXX ) 12 pmts escrow ( XXXX ) - XXXX XXXX paid out Variance XXXX So you can calculate this two ways. You have a cushion of XXXX left after the XXXX payment which as of the date of this letter has been withdrawn from my account. OR I can contact the insurance company and I can attempt to pay my own mortgage ... therefore reducing payments into the escrow as you will only be paying around XXXX per annum. The variance in my favor to be refunded to me by the end of the calendar year ( XXXX XXXX ) would be XXXX less your cushion BY LAW, which I have calculated to the penny. 
Please see the attached Seterus letter for further detail and requests. This is not legal to my understanding of Maryland and Federal Law. Also the figures are incorrect. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I applied online for a line of credit. Wells Fargo immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX {$59.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$1300.00}
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$460.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems is reporting the wrong information regarding myself. I called a wrote .... NO RESULTS. Please correct and DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 i became aware that a loan was open at XXXX XXXX XXXX. I called XXXX XXXX  to resolve it due it it being fraud for the amount of XXXX i told them on XX/XX/19 that i did not have a valid contract with them and i have never purchased any type of vehicle with them. I told them that i would contact the police if they didn't remove this fraudulent account that was not done by me. I have never given them authorization to us my credit report to purchase any type of loan.
Product: Credit reporting or other personal consumer reports

I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines nor have I agreed or entered into a contract with any of these frivious companies with these false allegations affecting my credit files. Please send me physical documentation that Supports their claims if not I'm demanding the immediate removal of the following unknown and unauthorized accounts. 

1. XXXX XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Took out a loan to help build my credit. Started paying back loan, was only given two options. Pay the minimum or payoff. So I paid the minimum for 3 months and decided to pay in full. I saw that my payment were being collect but those payments where going to the company as interest payment. Over {$600.00} in payments on a XXXX loan. An my balance is still {$1700.00} after 3 months of time payments. Credit Fresh is displaying predatory lending practices. Offering to help those build credit and then take advantage of them buy charging ridiculous interest rates.
Product: Debt collection

I discovered that medical debts are still being reported on my credit report, despite the CFPB 's final rule prohibiting such practices. This rule, which amends Regulation V under the Fair Credit Reporting Act ( FCRA ), became effective on XX/XX/year>, and bans the inclusion of medical debts on credit reports provided to lenders. The reported medical debts negatively affect my credit score and may influence lending decisions. This violates the CFPB 's regulation, Which aims to protect consumers from inaccurate and coercive debt collection pr
Product: Mortgage

I purchased my home in XX/XX/2018 and have had issues with Shellpoint since. They paid my towns taxes 3 months late to start and had issues locating the check once it was supposedly paid. Most recently we refinanced with another financial institution and when issued our escrow refund, we were shorted {$100.00}. When questioned where my {$100.00} was, no one could tell me. 3 weeks later and they still can not figure out why the money was taken from my escrow. I also received a certified letter in the mail this weekend which was supposed to include my payment history, instead it included a different person 's entire loan summary. This is a huge privacy violation and I am also concerned that my information was sent to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

AFR ( American Financial Resources ) was the lender on my refinance. They were supposed to pay the XXXX Insurance and never did. I have tried to call, left messages and tried to contact the corporate office with no response over the last 4 months. The loan was transferred to another company and they can't get the company to respond to them either. 
My house closed on XX/XX/2022 and within my closing cost AFR was supposed to pay the XXXX Insurance invoice. They never did. On XX/XX/XXXX the XXXX  Insurance provider ( XXXX XXXX XXXX XXXX ) canceled the policy due to non payment. The invoice for the flood insurance was required by AFR to get my refinance and is listed in the closing cost for them to pay. They also had a copy of the invoice ( required for refinance ). I requested a copy of my file that shows what they paid so I could find out if they didn't pay anything else. No response and no file. 
I had to get another flood insurance policy from XXXX and that has been paid. My problem is because AFR didn't pay the policy so there was a lapse in coverage which is costing me an additional {$300.00}. I do not think this is fair. Maybe you can get an answer for my problem. Thank you
Product: Money transfer, virtual currency, or money service

Hi. I was looking for a second job to pay my bills, I applied for a remote job. I was desperate, I received a message stating they read my resume and they would like to proceed with the interview to get the job. They want to do an assessment to see my Qualifications. They told me I got the job on XX/XX/2021. They sent me a check to buy the equipments but they told me to get the equipment from the company that provides their company equipments I need to send it by XXXX. They sent me a location for an atm XXXX. It was the first time I applied for a remote job that responded. I was blinded by excitement. It's the first time have been scam, I had no idea a fake check can be deposited and validated by the banks. I though, if the checks I real maybe the job is real. I already XXXX XXXX XXXX now I have XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. The banks approved the fake check less then 24 hours. The bank wants me to pay the money back after I called them and explained everything. I have evidence that I have been scam. I didn't know such a scam existed. Losing hard earned money by someone that's doing nothing with their life is the worst thing ever. I always go to work at XXXX am to XXXX pm and sometimes XXXX am to XXXX pm. It hurts more knowing I've hard really hard for it.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report from your bureau and need to dispute the accuracy and completeness of certain information. This information is negatively impacting my credit report, and I request immediate correction. believe XXXX days is a reasonable timeframe for your investigation. After completing the investigation, please send me an updated credit report along with the names, addresses, and phone numbers of the individuals you contacted. 

Please stop reporting these accounts as late on my credit report immediately. If this request is not addressed, I may pursue legal action against your agency. The specific information I am disputing includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They said it is a judgement with a XXXX file number I went to look and there is no XXXX file on the court. This judgment its been withdraw and original company file without letting me. know. 
XXXX XXXX had found violations of the Fair credit practices. This company is trying to collect on their behalf. Fein Such Sheppard, LLC
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I want to charge fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recovering from XXXX twice, I began focusing on catching up on bills and reviewing my credit reports. I noticed errors on all three and began contacting the companies. On XX/XX/2022, I initiated or I thought I initiated a dispute with Transunion through their online services as I went through the process of typing in information, selecting the accounts that I wanted to dispute, and giving a reason for the items disputed and received a confirmation page that my dispute had been accepted. I disputed two bankruptcies that " Do Not Belong To Me '' and several inquiries that I do not recall initiated because I was suffering from XXXX during the time frame of the inquiries and I was too sick to have been able to apply for credit in person or online. On XX/XX/2022, I called and spoke to a Transunion representative to confirm that the investigation was occurring. I was informed that the investigation had been completed and I should receive the results in the mail within 7-10 business days. I began to ask further questions such as : Could you give me the results over the phone? 
I got the same response, " You should receive the results in the mail within 7-10 business days. '' How could an investigation be completed so quickly? 
I got the same response, " You should receive the results in the mail within 7-10 business days. '' I became frustrated and ended the call. I tried to go online to restart the dispute, but I kept getting an error message and could not submit the dispute online. I was, however, able to get through the website to purchase reports and credit monitoring services. 

On XX/XX/2022, I sent a certified mail to Transunion detailing the dispute in writing. There were two separate letters within the mail. One letter detailing my experience through the call-in process. In the second letter, I included a list of all the accounts that I wanted to dispute. I listed the accounts, the account numbers as they appear on my credit report, and the reason for my disputes. I received a green card in the mail from the XXXX XXXX XXXX showing a Transunion LLC stamp with the date of XX/XX/2022, on it, signaling that the certified mail that contained my reporting of my terrible customer service experience and my request for another investigation had been received. 

I called TransUnion on Monday, XX/XX/2022, to again check the status of my investigation and experienced the exact same customer service from the previous month. that I had previously disputed. 

I have since put a freeze on my credit report until I clarify this matter. I also contacted the bankruptcy court that is supposedly reporting the information. I have received documentation from the bankruptcy court stating that the two bankruptcies listed on my credit report had not been verified by them as the courts do not verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Midland Credit Management XXXX has added a derogatory remark on my credit report in the amount of {$1600.00} per XXXX XXXX, Upon further research, this account was transferred/sold to them by XXXX, XXXX on XXXX, XXXX XXXX and I'm no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature dose not validate the debt and anybody can send a bill and say it's mines. According to the FCRA Midland Credit Management XXXX.has violated my rights as a consumer and I'M requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

On XX/XX/2020, I previously submitted a complaint ( confirmation # XXXX ). 

AVANT Credit Card has again ( 1 ) failed to close my account and ( 2 ) applied bogus charges. The loan number assigned to me is ID # XXXX. 

Today I received another bogus charge via email. See below. Please stop these criminals! 


| AvantCard | Your Statement Hi XXXX, Your statement is now available. To view your statement, log into your account online. Here are some of the details : Statement Balance : {$29.00} Total Minimum Payment Due : {$25.00} Payment Due Date : XX/XX/2020 2020