23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXX of 2019 I purchased a brand new 2019 XXXX XXXX XXXX from XXXX XXXXXXXX in XXXX XXXX, VA. I traded in a XXXX XXXX XXXX for this vehicle in which I was told would be used as a down payment for the vehicle I was getting. After doing some research I noticed that there was fraudulent activity done to make this loan happen. 

1. I was not given my disclosures under the XXXX XXXX XXXX act letting me know how they would be sharing my information with 3rd parties. That is a violation. 

2. 12 U.S. Code 83- states banks are not allowed to lend their own money out so where did this mysterious loan come from that you gave me? 

XXXX. You were only able to create the loan once I signed my contract in which you create an asset on your books and make the borrow the liability creating money out of thin air but you never had the money to give so this loan was therefore created off of my signature which makes me the original creditor of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian to update my personal information on my credit report to remove all address, phone numbers, and employers on XX/XX/2023. Experian received my request via certified mail on XX/XX/2023. As a result, the information remains on my credit report. Therefore, they are in violation of the Fair Credit reporting Act. I would like for all information to be update.
Product: Debt collection

My chase ink credit card was set up for automatic payment. I had not used the card in a while and forgot it was on an account of mine. A charge went through. Six months pass on the charge that I had no idea had taken place and I get a written communication that my account is delinquent. This was news to me, since I had other accounts with chase that were all in great standing and this was the first I was hearing about my missed payment. I called as soon as I learned there was a problem and made two payments in the next few days to square my account. I spoke with a number of representatives some very nice and others not very helpful or understanding. When I asked why they waited over six months to contact me they said they had sent multiple emails and made numerous calls about the issue. I explained I had not received the emails and they insisted I did. I also asked when trying to contact me by phone why there was never a message left? They told me they were not required to leave a message, which makes no sense at all if one is truly trying to resolve a delinquency issue. I finally said, if the other methods all failed, why wait half a year to send me notice by mail. They responded they had sent numerous letters. I never received any emails and I do n't answer numbers I do n't recognize due to the potential of scams. I asked for dates the other letters had been sent to me and they would not provide me with any information. The truth is, I only ever received one written notice and as soon as I did I settled my account. I am not an irresponsible person! I have a few other credit cards with chase one of which I pay for most of my expenses with, and then pay on time every month. I also have a saving and checking as well with Chase and at no time was any serious attempt to contact me sooner through those avenues ever made either. Now, due to poor customer service and a substandard method and or system of contacting a customer, I unfairly have a pretty ugly ding in my credit.
Product: Debt collection

Portfolio Recovery called my work disrupting patient care. They call around XXXX or before when I was very busy working for the patient when they call. My coworker gave me the name and return number. I work in a XXXX and somehow they found my department from someone. After work I called them back and informed them they cant call my work by the law.
Product: Mortgage

During the year XXXX we were in the process of refinancing our Wells Fargo FHA mortgage. In XX/XX/XXXX Wells Fargo erroneously sold our property without our knowledge. This of course caused XXXX XXXX XXXX XXXX, XXXX  and embarrassment to us and our family. 

We have been requesting that they correct the documents to reflect the accurate ownership and mortgage balance, which to this day still has not been done. The mortgage balance in XX/XX/XXXX was $ XXXX and we have made XXXX mortgage payments since then. 

Trying to navigate through this labyrinth of mortgage company contacts as theyve changed over the years and numerous office closures due to COVID issues etc has been overwhelming and crippling at times. This is not fair and I feel that we have been victimized in this process and perhaps Wells Fargo is hoping that we will give up and go away due to frustration. I see that we are not the only ones who were affected by questionable practices over the years and this is extremely unfortunate. Whatever you can do to help us would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Mortgage

I was sent a letter on Saturday that states that I do not have sufficient insurance on my property and that Caliber Mortgage was obtaining insurance on my behalf. They sent this letter after they increased my monthly mortgage without asking prior questions and without notifying me of any issues. 

I called in today and Caliber Mortgage refused to escalate the call today stating that no one above a supervisor is available and no one will in management will return my calls. XXXX # XXXX refused all escalation requests to anyone above her. She did not have a copy of the letter but kept telling me that XXXX did not get additional insurance on my behalf ; but that is exactly what the letter in front of me says. She did not know that my insurance is covered by the HOA and told me I have to send them all of my HOA documents to prove that. When I stated that they have all of the HOA documents as part of the closing documents and process, she could n't answer as to why they did not know that the insurance was included in the HOA dues. 

She was obviously being coached because she covered the receiver of the phone and I could hear someone whispering behind her and then she told me ... Your HOA has not updated us with your insurance and they were simply sending me a letter requesting help to get new insurance copies. That is not what the letter states at all. They do n't request any documentation from me within the letter ; it is just telling me that they have taken action by securing insurance because I did not have any. 

This is continued examples of Caliber 's constant mis-managing of my account and I 'm sure many others. This and the many other problems I 've had with Caliber show they are incapable of managing mine or any other mortgage. All Caliber needs to do is to email or send a letter to the HOA and a copy of that letter to me requesting an updated Insurance Binder for my town home and one would have already been provided by the HOA management company. The fact that Caliber did not know that my HOA covers my insurance was telling and the fact that Caliber did not reach out to the HOA for it is because they did not identify on the account that the insurance was covered by the HOA. 

I expect all charges to be reversed and my mortgage amount lowered. I want my loan sold to any other lender would be better than Caliber. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe were reported in error. 

XXXX XXXX XXXX : {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

In accordance with the Fair Credit Reporting Act these accounts listed below, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I demand the following accounts be removed immediately : Account Name : XXXX XXXX XXXX XXXX ; Original Creditor Name XXXX XXXX XXXX  Amount : {$2500.00} ; Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX ; Original Creditor Name XXXX XXXX Amount {$240.00} ; Account Number : XXXX *Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has validated my rights. 

15. U.S.C 1681 Section 602 A. States I have the to privacy.

15. U.S.C. 1681 Section 604 A Section 2 : it also states a consumer repotting agency can not furnish an account without my written
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax, XXXX   andXXXX  report this account as 60 Open/Late - XX/XX/XXXX and XX/XX/XXXX which doesn't make any sense..How can an account be 60 days late in just on month? Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : FCRA violations : see attachment for proof XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX 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

Im sending this complaint to inform your depatment that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which 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 attach a copy of the identity theft report ( FTC report XXXX : XXXX ) ; ( 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. 
The following accounts/items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NationStar Mortgage XXXX amount is XXXX and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Bank Of America. 
Their smallest accounts for Checking and saving carry a minimum balance of {$1500.00} and {$300.00} respectively. 
If you do not maintain the minimum balance they charge those accounts {$12.00} and {$5.00} respectively. This is predatory banking. 
They have charged these " monthly maintenance fees '' to my accounts for over 12 years. 
Bank of America has the most numerous banking facilities in my location compared to other institutions. 
I have contacted the bank over the years numerous times. They report there is nothing they can do.
Product: Payday loan, title loan, personal loan, or advance loan

Today XX/XX/XXXX a unauthorized debit from XXXX com for XXXX was taken. Reported the issue to the bank and company. Company has rejected to work with my bank and myself to resolve this fraudulent charge. I asked in XXXX of XXXX for my account to be closed. Only to find out someone from there business never closed it but used my information to get XXXX dollars for themselves. I researched this issue and it has happened to others. When contacting XXXX I was originally told it was for a advance taken out XXXX of XXXX. Which was able to proven as false, then the backed tracked and said no we lied it's XXXX. No phone number to speak with someone just email or text
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving the users vulnerable to scams. The lack of accountability transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from Discover Financial on XX/XX/XXXX and XXXX, XXXX, XXXX. I do not remember giving authorization to this lender to do a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in  XXXX  in regards to this issue and have not heard back from Experian,   XXXX   and  XXXX . They are all dated for the year  of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system o f   XXXX   being breached. I even had to call to remove addresses that I 've never lived.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent unknown unauthorized credit inquiries WITHOUT MY PERMISSIBLE PURPOSE. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or DELETE THE item from thefilein accordance with paragraph XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Wells Fargo had withdrawn all of my personal accounts without my concent. They took over XXXX just in my personal account funds.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date XXXX Balance Owed : {$XXXX} - Chargeoff- XXXX  XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$XXXX} - Chargeoff- XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$XXXX} -Late/closed-
Product: Credit reporting, credit repair services, or other personal consumer reports

For a very long time I have made efforts in getting rid of a collection account or the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX and the company has failed to adequately provide me with documentation that the count actually belongs to me. The original that was in XX/XX/XXXX and I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, we are required to eliminate any false accounts from my credit history. This entry is inaccurately listed and needs to be removed. I am eligible for {$1000.00} for each incorrect report on my credit file.