23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a fraudulent inquiry on my report from Elan financial on XX/XX/2023. I called XXXX to dispute the inquiry and they told me I needed to mail in a FTC report and a letter from Elan financial stating it was fraudulent. I sent in the letter and report on XX/XX/2023 & they say they did not receive it but based on their findings they would send a letter in the mail with the results in 5-7 days. I have not received anything in the mail so I called back and now they want me to upload the documents so I am in the process of doing that now.
Product: Credit reporting or other personal consumer reports

I would like the Hard Inquiries to be removed from my credit report. One of which I dont recognize and 2 I had no idea they had to run my credit.
Product: Credit reporting

I got a notice from fcc collections It was an amount that was Outrageous, I first called my lawyer XXXX XXXX & XXXX XXXX they wrote a tetter that I am attaching. They then called the collection agency to ask for an accounting to date they have not sent it. I called both transunion and XXXX numerous times to complian. The last response was from Transunion was that the credit agancy said nothing was wrong with the account and they do not have an accounting available. Nothing is being done but atleast Transunion requested it. I am requesting it for a few reasons by law first consumer law 611 5 a says that the credit agancy has 30 days to reply with information oin the inquiry, Second by law the rental company who is claiming I own the money is not abiding by the rental laws, I have requested the acconting to prove that I owe the money, My lawyer asked for it the County asked for it. The collection agancy has still not come up with it. It has been 180 days and counting far past the 30 days that is required to come up with proof of the debt according to the law. Again accouding to the collection agancy " we do not have one available '', If I have submitted XXXX complaints the credit agancy has not done so yet.
Product: Mortgage

It took months to remove my PMI, because I kept getting different answers and Green Tree Servicing stating that they did not have a phone number for their escrow department. They said you had to mail everything in. Once I finally got the PMI removed in XXXX, I was still charge the PMI amount for XXXX & XXXX. They did an escrow analysis in XXXX and refunded me {$140.00}. I was told that this was for the overpaid amount on the XXXX PMI. I was told be a couple different representatives that I would receive a check for the overpaid PMI in XXXX in the mail. When I never received a check, I called back and spoke with a supervisor. She told me that in order for me to get the check back, I needed to do another escrow analysis even though I had just had XXXX done. The taxes have increased since then, so now they sent me a bill for {$190.00} and no refund of the PMI for XXXX. Every time you speak to someone, they tell you they ca n't help you and you need to write a letter to the escrow department. They have terrible customer service and keep telling you different things, so that nothing can get done. They used many stall tactics when I was trying to get rid of the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent payday loan was made in my name. I became aware of the issue on XX/XX/2023. I received a letter from XXXX XXXX about debt collection. The company name is XXXX. I reported that this was identity theft/fraud to them as well as XXXX, XXXX, and transunion. I have put a freeze on my credit with all three reporting agencies. 
When I checked my credit report this shows as a bad debt.
Product: Mortgage

XX/XX/2016, we received a check from Wells Fargo Home Mortgage in the amount of {$24.00} with a letter containing the following statement : " During a recent review of a transaction that paid off your refinanced mortgage account, we determined that you were charged excess interest. Please accept our apologies and now that we are reminding the amount due to you. '' This was from a refinance we did almost FOUR years ago. We consider this very sloppy business practices regardless of the amount. We also have zero confidence that this amount refunded is accurate. Is it acceptable for Wells Fargo to take almost four years to return over charged fees? How can we be assured that the refund was accurate? Yet another instance of Wells Fargo abuse of consumer trust. 
Thank you for any help or information you can provide. 
XXXX, XXXX, Arizona
Product: Credit card or prepaid card

There have been unauthorized disclosures of my personal identifying information. 

Wells Fargo, XXXX, XXXX, and XXXX are fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. 

This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. 

This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. 

This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website. 

If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes. FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.
Product: Debt collection

I just received my credit report and I noticed someone has used my name for XXXX work and applied for different stuff
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information being reported on my credit report regarding the account referenced below : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Upon reviewing my credit reports from multiple credit reporting agencies, I have discovered conflicting information regarding the payment status of this account. Specifically : XXXX reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
XXXX reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
Experian reports the payment status as " Past Due '', suggesting that there are delinquent payments on this account. 
This discrepancy in reporting has caused confusion and is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must provide accurate and consistent information in credit reports. 
I request that you conduct a thorough investigation into the reporting of the payment status of this account and take appropriate action to correct the inaccuracies. Please ensure that the payment status is accurately reflected on my credit reports from all credit reporting agencies.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transferred {$8800.00} to my fianc, using PayPal, but I accidentally clicked a field labeled goods and services instead of " Friends and Family ''.

Upon seeing this, my fianc immediately tried to return the payment, but my money was not returned. My fianc called PayPal and she was told by PayPal that the only way I can get my money back is that she needs to provide her Social Security number, which she is not willing to do because she is on XXXX in California and this will show as income to her and that could cause her to lose her XXXX status. 

We have spent many hours on the phone with PayPal Customer Support, explaining this was a simple mistake, but they tell us that there is no way to correct the designation that I accidentally assigned when transferring the money. They also said they would send the money back in 60 days after deducting 24 % tax but they recently put {$8500.00} back in my fiances PayPal account and she was able to transfer it to her bank account. PayPal kept {$260.00} which we think was possibly a transaction fee, but we are not sure about that. 

This event has caused my fianc and myself a huge amount of lost time and a huge amount of stress.

1. It is wrong that they would not change the designation of the money transfer from Goods and Services to Friends and Family after we called and explained the situation.

2. It is wrong that they kept our money for almost 3 months.

3. It is wrong that they took {$260.00} from us for no reason. 

I recently closed my PayPal account, so I no longer have access to statements or my account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I mailed a letter to XXXX  and Equifax to remove inquiries off my report that I did not authorized. XXXX  deleted these inquiries on XX/XX/2020 after placing a fraud alert and freeze on my report, I had already contacted all the companies and they advised they did not have my info and that I need to contact the credit bureau 's and police. The police said they could not file an identity theft report because I don't have enough information or the person 's name that may have been using my information. I told this to XXXX  and equifax and notifed them several times and sent follow up letters several times to ask how they verified this information when indeed I did not authorize these inquiries and they have not provided any proof on how they verified these inquiries. Equifax responded on XX/XX/2020 stating they weren't deleting the accounts. XXXX  has yet to respond or provide me with an update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XXXX XXXX, 2023 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, and I'm including it again XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance XXXX -, XXXXXXXX XXXX XXXX Balance : -, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$1600.00}, XXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Original creditor XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX Balance : {$940.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with Equifax, XXXX, and XXXX. None of the accounts disputed had accurate information and by law was not reporting correctly! This has ruined my life and affected my chances of getting a mortgage and becoming a home owner! Equifax Expesally broke the law by updating information that's false and they sent me a letter dated XX/XX/XXXX before they updated information which negatively affected my score stating that the disputes I sent in were " illegible '' And that items were too small to see! If my dispute was " illegible '' Why and how was my report updated correctly and accurately! this makes no sense why Equifax will break the law in this manner! I am in emotional duress and victimized by Equifax and the other company 's action in reporting accurately on my report. Reviewing the Credit file Equifax and other companies sent via mail dated XX/XX/XXXX, I saw That the " balance '' and " amount past due '' are dead wrong and are being reported falsely every single month on every account I disputed and this is criminal under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A )! Also under Section 611 ( 5 ) ( A ) of the FCRA Equifax and these other companies are required to promptly DELETE all information which can not be verified accurately, But these deletions were not done at all! If the disputed documents I sent was " illegible '' How and who verified the accuracy of my accounts under the law? A criminal act was done to me and I seek justice and correction as the law states clearly under the FCRA as soon as possible! Also please be advised this is my second time disputing this inaccurate information taking up my time and money to do so with no accurate resolution in regards to the law. Also, I never dispute if the account was mine I asked them to see if it was actually reporting on my report! The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance XXXX Section 617 ) if they fail to comply. Also, reviewing the report, Remove the hard inquires that I did not do or allowed which are " XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX. Also, I sent a letter of opt-out the us department of education so legally can not share the info with any third-party company! All mentioned documents will be sent in for recording.
Product: Payday loan, title loan, or personal loan

I GOT APPROVE FOR A CREDIT CARD FOR 4000 $ NOW AFTER WEEKS OF APPROVEMENT. THEY TELL ME MY CARD IS CLOSE. THE REASON WAS FOR MY ASK FOR MY TAX RETURN. AND I THEY I ENTER THE WRONG address.
Product: Mortgage

In XX/XX/2022, my husband and I purchased a home in Central Pennsylvania. The home was purchased via a VA loan through XXXX XXXX Bank. Immediately following the purchase, we received our property taxes. The tax documents were immediately sent to the bank for payment from escrow. Not long after the documents were provided to XXXX XXXX Bank, we learned that the loan was sold to PHH Mortgage. This happened before the first mortgage payment was made to XXXX XXXX Bank. 

Upon receiving the new mortgage information, I contacted the bank so that they would have the tax documentation necessary to pay the bill. After speaking with a representative, I emailed the documents to him and received a call back indicating that they were in receipt of the bill and that it would be paid immediately. The date was the end of XXXX- the first week of XX/XX/2022. 

In XX/XX/2022, I received a letter from the County Tax Assessor stating that the property tax payment had not yet been received and needed to be paid by the end of the year. Subsequently, I contacted PHH to inquire why the bill had not been paid when there is an ample amount of money in the escrow account. The response I received was that the tax department would be contacted and the bill would be paid. The bill was not paid. I made a follow-up call to PHH to inquire about the status of the payment. I was told that the complaint was escalated due to the urgency of having to have the payment made by the end of 2022. 

Over the next few weeks, I received a weekly call from PHH stating that they are handling the problem. During the conversations, I asked to speak with someone from the Tax team but was never able to be connected with a person from the tax team. At this point, I have realized that the representative that I've spoken to is only reading from a script and my issue is not being handled. 

I have spoken with the County Tax assessor who has reached out to the bank on my behalf, and by the way, I have given her the authorization to discuss my account. She has also provided PHH with the tax documentation they requested as well as all of her information so that the bill can be paid. 

I neglected to also explain that this bill has also acquired a {$200.00} penalty fee because it was not paid by the end of XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX  XXXX XXXX Account Number : XXXX  It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account.

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the ongoing issue with my credit report. Despite my multiple attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$0.00}.