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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, TransUnion, and XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use **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 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate ..... 

NOTE ... FTC REPORT ATTACHED... 

Thank you for your time and help in this matter. 

Sincerely. 
XXXX XXXX XXXX NOTE : VALID FTC REPORT ATTACHED, social security card an drivers license
Product: Prepaid card

I accidentally transposed XXXX numbers on my direct deposit form with my company, the routing number was correct but XXXX numbers on my account had been transposed. My card service, serve by American express is refusing to return my direct deposit funds to me. Can anyone help me? I 've talked to them and they 've claimed there 's nothing they can do, they spoke with my payroll as well.
Product: Mortgage

Mortgage was paid in full XX/XX/2023. The mortgage company has reported the mortgage as delinquent. 
I have tried to resolve this for 3 months. This has impacted my credit score.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed I was a victim of XXXX XXXX I found XXXX  accounts on my credit report that I am not aware of. This is hindering my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Several weeks ago I applied online for a savings account. I completed all of the necessary information to open the account and have it funded with {$75000.00} coming from my primary checking account. 

On XX/XX/XXXX I received emails for TWO checking accounts that were opened, each for {$75000.00}. I never authorized two accounts ( the bank has acknowledged this ) and by the time I noticed this mistake, {$150000.00} was deducted from my accounts. This caused an overdraft in my primary checking account as well a depletion of funds from another account that was linked to my primary for the purposes of over draft protection.

More importantly, this is now leaving me and my wife without funds to pay our bills. We have addressed this with the bank who is declining any expedited way to refund our money.
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on a previous correspondence, dated XX/XX/year>, in which I requested a thorough reinvestigation of a disputed account on my credit report. To date, I have not received a response to my request, nor has there been an update on the status of this account as per my inquiry. I must emphasize the importance of addressing this matter with urgency. I kindly request once again that your team conducts a comprehensive reinvestigation of the disputed account, particularly if it is found to be inaccurate, incomplete, or outdated. XXXX XXXX XXXX Balance : {$0.00} The inclusion of a XXXX-day late payment record on my account is incorrect. I am confident that all payments were made punctually. I request another urgent correction to remove this inaccurate late payment notation. Prompt resolution of this issue is anticipated.
Product: Credit reporting or other personal consumer reports

XXXX, and Equifax, According to the Fair Credit Reporting act, the collection account below Account name XXXX Account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the information is also inaccurate and reports incorrectly, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly which they have failed to do. 
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

They are reporting a account that is for a totaled vehicle from. XXXXXXXX XXXX account when XXXX and gap paid the principal balance of the loan so they are reporting interest and I feel that they have been keeping my credit on the bias side that makes it hard for me to get treated fairly on any purchases I have documents from XXXX and gap on this account
Product: Mortgage

Borrower is comparing lenders and mortgage brokers. XXXX XXXX  in XXXX XXXX ( now named Guild Mortgage ) is incentivizing first time homebuyers with a {$2000.00} XXXX  XXXX gift card in order to attain new clients. Clear violation of exceeding allowable gifts to garner business.
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 15 USC 1681. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX  account # XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XX/XX/2022 15 U.S.C 1681 section 602 States I have a 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 report more than 7 years.
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding, LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : LVNV Funding, LLC acquired a debt from the original creditor, XXXXXXXX XXXX, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
2. Failure to Provide Verification of Debt : On XX/XX/, I sent a written request to LVNV Funding, LLC, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
3. Ignoring Cease and Desist Instruction : In my previous correspondence with LVNV Funding, LLC, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of LVNV Funding, LLC to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
2. Cease Collection Efforts : I demand that LVNV Funding, LLC immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA.

3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that LVNV Funding, LLC rectifies their violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
Product: Credit reporting or other personal consumer reports

The delinquent payment showing on my credit report XX/XX/XXXX was a result of my job loss due COVID-19. The to CARE ACT, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX. This act amended the fair Credit Reporting Act ( FCRA ) no stop adverse credit reporting during the COVID-19 crisis under these circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached Transunion was notified XX/XX/2022 of account ( XXXX ) resulting from identity theft and have failed to block account 4 days after receipt.
Product: Credit reporting or other personal consumer reports

- On XX/XX/year>, XXXX XXXX XXXX XXXX report posted a credit collection on my credit report that is harming my credit score. I paid my last premium to this company on the due date before I changed my car insurance provider. I do not owe this company anything.
Product: Mortgage

HELLO, I HAVE BEEN WORKING WITH SPECIALIZED LOAN SERVING FOR 2 YEARS TO GET A LOAN MODIFICATION. MY HOME HAS BEEN IN FORECLOSURE SINCE XX/XX/XXXX. I SUBMITTED ALL THE REQUIRED DOCUMENTS FOR THE MODIFICATION. I DIDNT HEAR FROM THEM UNTIL A COUPLE DAYS BEFORE THE SALE DATE WHICH FORCED ME TO HAVE TO FILE BANKRUPTCY TO SAVE MY HOME THE FIRST TIME. MY BANKRUPTCY WAS DISMISSED, I AGAIN STARTED THE PROCESS OF THE MODIFICATION. I ALREADY HAD ALL THE DOCUMENTS EXCEPT THE UPDATED BANK STATEMENTS THAT I OBTAINED, AND SUBMITTED AGAIN. MY HOME DID NOT HAVE A SALE DATE WHICH MEANT I HAD ENOUGH TIME TO GET THE DOCUMENTS SUBMITTED, AND A DECISION. AFTER WEEKS OF WORKING WITH MY POINT OF CONTACT PERSON I WAS TOLD I ONLY NEED 2 DOCUMENTS WHICH I SENT OVER THE SAME DAY. I FOLLOWED UP 2 DAYS LATER TO BE INFORMED THAT THERE WAS NO WAY THAT THE LOAN WOULD BE APPROVED DUE TO THE TERMS OF LOAN. MY HOME DID NOT HAVE A SALE DATE WHILE IN THE PROCESS I RECEIVED A SALE DATE THAT ONLY GAVE ME 2 WEEKS TO GET THE MODIFICATION DECISIONED. I WAS TOLD THEY NEED 37 DAYS. WELL IF YOU GIVE A HOME A SALE DATE WITHIN 21 DAYS HOW WILL YOUR EVER HAVE 37 DAYS TO REVIEW THE INFORMAITON? THAT IS FRAUDLENT, AND UNFAIR TO THE PERSON WHO IS TRYING TO SAVE THEIR HOMW. I HAVE WORKED 2 YEARS ON GETTING MY LOAN MODIFIED TO FIND OUT 4 DAYS BEFORE THE SALE OF MY HOME THAT THERE WAS NO WAY FOR ME TO QUALIFY. THE MORTGAGE SERVICER SAID SHE WOULD LISTEN TO ME AND ENTERTAIN ME WHILE I CRIED IN DISBELIEF OF WHAT I HAD EXPERIENCED. SHE THOUGHT THAT THE SITUATION I WAS IN WAS ENTERTAINING AND AT ONE POINT LAUGHED. I FEEL THIS IS AN UNETHICAL PRACTICE WITH MORTGAGE SERVICERS NOT BEING TRUTHFUL, AND LEADING YOU ON, AND FURTHERMORE GIVING YOU THE RUN AROUND WHILE YOU ARE TRYING TO SAVE YOUR HOME. I AM FACING FORECLOSURE ON XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have an incorrect address listed on all of my Credit reports. The address is XXXX XXXX XXXX. XXXX, CA. XXXX. The address belongs to my cousin. Who was the Financial Power of Attorney for my father. I lived with and cared for my father. His address was different from my cousin. I believe that most of his financial matters used my cousins address. Somehow my name was also added to that address. On one report, XXXX there is a comment next to the address that says Generational Identifier. Also on one report XXXX. there is an investigation Summary regarding the same address. States that more investigation required. I have documents that show this information. However my printer scanner broke this morning. Can I send an addendum to this complaint showing the information? I just need to have this address removed from all of my files. I never lived at this address. I'm unsure if this mistake will prove to be a problem for my cousin as well. Thank you for your time. Please advise if there is more information needed. The address appears on all 3 of my Credit reports. It was the basis of an identifying phone call to financial lending company when I applied for a personal loan. I answered truthfully that I have never lived at that address. I never realized that the address appeared on the reports. I don't know if that answer could have been problematic or not. Thank you for your help.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau I am writing to request the removal of a credit inquiry from XXXX XXXX XXXX  that has been recorded on my credit profile since XX/XX/year>. This inquiry is negatively impacting my credit report and, as such, I kindly request that it be removed from all three credit bureaus as soon as possible. This Inquiry in question is by law supposed to be removed 2 years from the inquiry date. 

Please find my details below for reference : - Name : XXXX XXXX - Inquiry Date : XX/XX/year> - Creditor : XXXX XXXX XXXX  I appreciate your prompt attention to this matter and look forward to a resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

{$300.00} was taken from bank account using XXXX. I don't know how they did it but I reported it as soon as I seen it to XXXX and my bank. Huntington requested information from me. I sent it but they closed the case taking back the provisional credit but they got the fax and still closed it.
Product: Debt collection

Negotiated settlement and XXXX issued in 2014. Full amount still reported on some of major credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the following accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a recent data breach, and I believe that these accounts may have been compromised as a result.Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute on an entry on my  XXXX  and Transunion credit file that showed a Chapter  XXXX  bankruptcy. I asked the company to provide me with documentation for how they came up with this entry. I asked for validation of the entry.  XXXX  has not provided any such validation so I disputed it again. This time they wrote back saying that they would not investigate the matter anymore. This was printed on my credit report dated  XXXX   XXXX ,  2017 . The have not validated the entry nor have they provided any documentation supporting the validation of the entry yet they continue to knowingly inaccurately report the entry.  XXXX  has deleted the entry while the other  XXXX  credit reporting agencies continue to knowingly report false information.   According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information. This means that I have the right, by law, to dispu te any item on my credit report that I feel is not accurate. Also as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), they have 30 days to complete the investigation. When the credit reporting companies (  XXXX ,  XXXX , and Transunion ) do not prove the listing on the reports are accurate and provide validation in a time ly manner when requested, by law the entry in question must be deleted. By not doing so they are in violation of federal law which can be punishable by a fine of {$1000.00} per violation if taken to court.
Product: Consumer Loan

Yes I have been with LOAN MAX for 2 years and I have paid them over {$8000.00}. I have been paying {$630.00} a month for the last 12 mnths and that total 's - {$7600.00}. Now this is just so wrong for this company to treat and do people this way when they are down and need help. I understand that I have signed a contract but at some point this is REALLY BAD BUSINESS AND NEEDS TO BE ADDRESSED!!!!!!!!!!!. I HAVE BANK STATEMENTS THAT WILL SHOW EVERY MONTH WHAT I PAID TO THEM LATE OR NOT IT IS STILL MONEY GIVEN TO THIS SCAM COMPANY. I WILL NOT STOP ADDRESSING THIS COMPANY UNTIL SOMETHING IS DONE THIS IS SO WRONG ON SO MANY LEVELS. PLEASE SOMEONE HELP ME ADDRESS THIS MATTER. LOAN MAX XXXX XXXX SC XXXX XXXX XXXXFRAUD!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Equifax Information Services LLC, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX. These three credit reporting agencies have failed to rectify an inaccurate bankruptcy entry on my credit report, despite clear evidence of its inaccuracy and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated attempts to dispute the inclusion of this bankruptcy on my credit report, Equifax, XXXX, and XXXX have each responded by claiming to have verified the accuracy of the bankruptcy through XXXX. 

However, my extensive research clearly indicates that the bankruptcy in question has not been present on XXXX 's report for several months. As a result, the continued reporting of this bankruptcy on my credit report is both misleading and detrimental to my creditworthiness. 

I have also sent each credit bureau individual dispute letters, citing the FCRA and providing evidence of the bankruptcy 's absence from XXXX 's report. However, they have not taken any appropriate action to investigate or correct the inaccuracy within the required 30-day timeframe. 

This failure to comply with the FCRA has caused significant distress and harm to my financial well-being, as I have been denied access to credit opportunities and subjected to higher interest rates due to this erroneous bankruptcy entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Suntrust Mortgage is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In the fall of XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. Suntrust has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting XXXX and Suntrust Mortgage and hours of hold times with Suntrust, I have not been able to resolve this on my own. Suntrust Mortgage has also hung up on me twice over the years trying to resolve this.
Product: Credit reporting or other personal consumer reports

I am requesting and I would like to submit my complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$17000.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$2400.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$2400.00}.