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

To Whom It May Concern, This letter is a formal complaint that you are reporting " INACCURATE '', " INCOMPLETE '' and " UNFAIR '' credit information. 

According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I am distressed that the Credit Bureaus have included inaccurate, unfair, and incomplete information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely " ACCURATE '' and " FAIR ''. The following information therefore needs to be blocked and removed! 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX XXXX. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX Please see the following exhibits in my one single attachment. 

Exhibit A : XX/XX/2021 See below evidence that the US Bankruptcy Court of XXXX District of New York does not report to any of the agencies. 

Exhibit B : XX/XX/2021 I have opted out of XXXX XXXX, which houses bankruptcy data. 

Exhibit C : XX/XX/2021 I received a letter from XXXX XXXX that this information was removed from my file. 

As you can see from the above exhibits, this evidence supports that the proper procedures and fairness have not been maintained.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccurate late payment records for account XXXX  ( XXXX  ) on my credit report, despite my consistent fulfillment of obligations. My multiple disputes have only led to the account being 'validated ' without any certified proof of default. This situation clearly violates several laws : the company has failed to conduct a reasonable investigation into disputed information, as required by 15 USC 1681i ( 5 ) ; the misleading and inaccurate data breaches the FCRAs requirement for fair and accurate reporting under 15 USC 1681 ( a ) ; the company has furnished information to a credit reporting agency without my written consent, violating 15 USC 1681s-2 ( a ) ( 2 ) ; and the creditor has treated payments as late without ensuring that each periodic statement is mailed or delivered within the 14-day timeframe mandated by 15 USC 1666b. I demand immediate correction of these inaccuracies and strict compliance with the legal requirements.
Product: Mortgage

In XXXX XXXX, my insurance co wrote me a check for damages to my house. This check had to be sent to my mortgage co loss claim dept. The loss claim dept is now in control of my funds that I need to pay for repairs to my home. 

On XX/XX/XXXX, I submitted online all the information and requirements they requested. They never responded to me, I had to call and email them back to verify my information had been received. Finally on XX/XX/XXXX, I was in contact with a representative and begged them to process the first funds disbursement. They mailed a check of {$40000.00}. 

Since I have received the first check, they still hold {$18000.00} of my money. I have followed all instructions and completed all forms they have requested. However, they are now going backwards, stalling, avoiding contact with me and are refusing to send me the remaining {$18000.00}. 

I have been placed on hold for over one and a half hours. I have been hung up on several times, and they continue to ask for the same information they already have. Their employees in the Loss Claim Dept seem to know very little if anything about mortgages, finances or general business. To put it bluntly, they are extremely inept! 

We currently are in midXXXX XXXX, two months after this process began. I have had a new roof replaced. I have had all the eaves and fascia repaired. I have the interior repairs done on the ceiling and moldings. But yet, they will not send out an inspector to view this work, so that the remaining funds can be sent to me. In fact, they cancelled an inspection for some unknown reason, and did not tell me about the cancellation or even describe the rationale. 

Currently today, they are sending emails requesting my case # and saying they can not find my file ( their company established the case # in the first place and gave it to me in XX/XX/XXXX, but now they can not find the file? ). They have told me they finally ordered an inspection, and their inspector will contact me within 5 business days. It has been 10 business days, and no one has contacted me. The only communication from them was asking to clarify the case # they claim they can not find. 

I am at my wit 's end. I am using the money my insurance co paid me to repair my house. I need to pay for the repairs ; however the mortgage bank seems like they do not want to pay me ( my own ) money and continue to place roadblocks to slow the process down. 

All I am asking for is help in getting my remaining money so I can pay for the repairs on my home. And, with your help, insure this mortgage bank does not do this to any other people in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from XXXX, XXXX or Equifax and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken. 

This letter is a last attempt to correct this matter before taking this matter further. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I will try and be brief as possible as there are a lot to this complaint. I have been fallen victim to zombie debt and banks selling bad credit card debt and robo-signing court documents. I have been forced to pay on debt when I have made it clear I had NOT seen, heard, had any correspondences or seen any statements or burden of proof I owe debt. I have fallen into the system by default due to the tactical advantage of debt collecting lawyers. I was intentionally mislead to obtain a default judgement. I have not seen anything or any statements of said credit card and I have not heard from them on any debt I owe for over 12 years. Last I knew I paid the debt and I cut up my card back in XXXX or XXXX. I never paid on this debt after that since I had not known I owed anything at all. Once I was able to obtain any statements that are specious in of itself especially since there were XXXX different account numbers from same original banking institution of record. Only XXXX account number was referenced to from debt collectors as breach of contract and the other account number is what the bank of record has as my account with them. Even the banking institution shows nothing on file only that I had held an account there in the past and account number if the bank wanted to know more info they even had to call card services to obtain any information. Please reference my attached documents and my response to the court once I obtain statements.
Product: Checking or savings account

Wells Fargo claims that I owe them XXXX from the two deposits that were added to my account due to thier negligence. They somehow allowed to individuals to deposit thier Economic impact payments of XXXX to my account. They also allowed one if the individuals to also make XXXX  dollars in withdrawls from the account. 

Then claimed that I am a liability to the Wells Fargo Banks because I had made these two deposits. That is very much untrue because these deposit were both made in XXXX and during that time I was in XXXX XXXX Nevada and the way they became aware of the errors they allowed to happen only because I spotted a transaction for XXXX at XXXX that I know I did not make. 

Truthfully the largest liability in this situation in this situation to Wells Fargo is thier procedures which allowed two other people to accidentally deposit money into the wrong account. Then allowing these individuals to make payment from my account. That should have never occurred. Also a huge liability is the fact that this bank without researching further and this is clear due to Wells Fargo claiming I owe the XXXX. XXXX of which was definitely not touched and was then spent by the owner for them to say I still owe XXXX is absolutely absurd. The liability is Wells Fargo themselves and they are a huge liability to all those who trust them with thier money.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax sent me a report # XXXX but did not make clear what was deleted ...
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Hard Inquiry on Credit Report Dear, XXXX XXXX XXXX I am writing an additional attempt to formally dispute a hard inquiry made on my credit report by XXXX XXXX XXXX on XXXX XXXX XXXX At the time of my vehicle purchase, I explicitly denied permission for any credit check or hard inquiry, as I paid for the car in full with cash. 

Despite my clear instructions, a hard inquiry was made, which has negatively impacted my credit. I request that you investigate this issue and take appropriate action to remove the unauthorized hard inquiry from my credit report immediately. 

Please confirm in writing that this inquiry has been addressed and removed. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/2021, SYNCB/ SAMSDC add a derogatory mark on my credit report per XXXX XXXX and XXXX XXXX XXXX. Upon further research this account was transferred/Sold and I am no longer responsible for this accused debt. Firstly Debtors creditors did not verify this debt at all, secondly this account is reporting so many Inaccuracies, incorrect date opens. Is reporting, date opened/ closed on XXXX is totally different from date opened/ closed on XXXX, this account also reporting that it is closed/sold. 
Not only that but the past due amount reporting is inaccurate from the monthly payments, also As required by the fair billing act, as a consumer I was supposed to be sent a bill in 21 days period or window and which I did not receive from sams club, and this is a violation according to the fair Billing act. A bill without a signature does not validate the debt and anybody can report a bill and says it mines. 
According to the FCRA Law [ Sams Club ] and Credit Bureaus [ XXXX and XXXX ] has violated my rights as a consumer and I am requesting legal actions to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I turned XXXX XXXX XXXX on XX/XX/XXXX, I have tried to activate my free membership on Experian. I have called, emailed, and sent letters through their website. I receive multiple emails asking that I activate my account, but it always gives an error and says that I need to call your customer service number. When I call, they say they can not authenticate my identity and I must wait XXXX hours and call back again. I have called over and over and am always told to wait and call back again. This has occurred more than XXXX times when calling since XX/XX/XXXX. 

The customer service representatives have forwarded me back and forth between the dispute center and the membership center, and each says that it is a problem with the other side of Experian. I have received a printed copy of my credit report and confirmed that all the information is correct so there is nothing to dispute. I have a current freeze in place and have the pin for that freeze. I have included copies of my passport, XXXX XXXX bank statement, and can provide any information needed. 
Now, I am caught in the middle and still can not access my credit report online. When I call, they say they can not authenticate my identity and I must wait XXXX hours again. This puts me at risk for identity theft because I can not access the information online or manage my credit freezes. Furthermore, I have uploaded my documents on your website to confirm my identity and have submitted escalation requests to correct these issues, all so I can activate my free online membership. Every time, I receive a reply that Experian can not complete my request for setting up a free membership. 

My most recent escalation number is # XXXX. I have asked that any accounts set up under my social security be deleted so I can set up a new online account. I am sending all this information by mail so you will confirm that this has all been corrected on my account, as I havent been able to solve this on the website or by the phone. Every time I call, the representatives say that there is a different reason that my membership can not be authenticated. I have gone around and around in circles for more than 6 months, and have asked my mom ( XXXX XXXX ) to help by calling as well. 

I need Experian to fix this issue so I can activate my free membership with a new email address. I will use the following email to set up a new account once the others have been removed : XXXX Although they opened an escalation ticket, I have gone through this process of escalation several times and am not hopeful that this will actually be resolved without help from the CFPB.
Product: Checking or savings account

The company restricted my account. The clerk refused to accept a cash deposit. The bank said my account would be locked for ten business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX and Transunion to remove all consumer statements and personal statement. REMOVE ALL CONSUMER STATEMENTS AND PERSONAL STATEMENTS WITH XXXX AND TRANSUNION.
Product: Credit reporting or other personal consumer reports

This claim is for multiple companies I believe some fraudulent activity. Please investigate these companies. my list as follow XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Lexis Nexis, report an agency. Never heard of these other two nevertheless there reporting agencies App, Clue, I was in a car accident on XX/XX/year>. I was reared ended on the XXXX freeway by a work truck who failed to stop. I called the police did a police report not my fault. The credit bureau states have fought was denied from six different insurance companies because in their records it states that as a thought for an accident I was rear-ended. I have no tickets no accidents.. as for the fraudulent suspicious activity is from the Lender and the car insurance company. It took three months to pay my car off my car. They had already sold my vehicle from day one. The car insurance told the lender they would pay my car off in full. The lender cancel all warranties and gap insurance. The adjuster for the car insurance stated they never gave them a guarantee to pay my car off in full. I tried to get gap to reinstate and they said no. The lenders are desperate so they try to get another warranty policy in my name without my knowledge and my authorization I know because I got a email stating that I talked to a warranty company. I then put a Credit freeze on my credit profile the credit bureau gave Lenders information supposed to be my credit file. I was at fault for the accident, which is not correct and I was denied insurance. I was offered crazy prices for insurance at my amazing driving record. I have a commercial license. I dont have any tickets. I didnt have any accidents. I have proof even though LEXIS-NEXIS tried to say it said it wasnt my fault with these financial Institute has been very stressful, unprofessional individuals. my name has been slander dragged through the mud not just one time twice by this credit reporting agency.. last year it was I had a criminal record. I spent time in jail. I had to go to the XXXX police to file a report because my drivers license was stolen from the post office over a year ago. They said I didnt have any record. Ive never been even arrested. My credit score has dropped damages to my reputation. I am not happy about this. I already reported it to the news station just in case you decide that youre not gon na do anything.
Product: Debt collection

My Macy 's credit card number was used to make purchases at Macy 's stores in XXXX XXXX while I was in New York. I still have possession of the card, so I assume it was some form of spoofing. I noticed the charges within a few days and notified Macy 's they were not mine. I have filled out a fraud affidavit and returned it. 

I now get several phone calls a day beginning at XXXX XXXX. In general I do n't answer, but when I tried to pick up I discovered the caller hangs up after two rings. I called back the number from the Caller I.D . log and determined it was Macy 's bank. I called Macy 's bank and asked them to stop, but the calls continue. 

There have also been negative reports to various credit bureaus. 

This is Macys bank rather than Macy 's itself. The fraudulent charges have been removed from the record of my actual Macy 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my better efforts the original creditor has yet to be displayed on My credit report and the account still shows the opening date is 2014 more than 7 years ago. According to FCRA rules it's no secret that that should not exist there nor is it valid I'll add or verify above without the original credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : Credit Coll : XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.
Product: Debt collection

In XXXX of 2019, I switched my phone from XXXX XXXX XXXX to XXXX. I called twice and spoke to representatives and attempted to pay my remaining lease off. They assured me there was no balance. If I had paid, XXXX would have reimbursed me. They were confident there was no balance. 

Then, I never received one bill from XXXX XXXX XXXX until I finally received a letter to settle with collections. I would have absolutely paid it and in fact tried to. 

Since then, I have paid directly with XXXX XXXX XXXX and would like this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a letter dated XXXX XXXX, 2017, to dispute inaccurate information from my credit report. Unfortunately, based on my new credit report and their response no proper action, the investigation took place. I am writing them and another letter which is attached to this complaint. In accordance with the new law, consumer assistance program, the items listed in my dispute letter are unverifiable. There has no citation of my FULL SOCIAL nor my DATE OF BIRTH. And despite this, this company did not remove these inaccurate, invalid items ; no lawful investigation took place violating the Fair Credit Reporting Act.
Product: Mortgage

I recently found an escrow refund check from Ditech Financial LLC ( loan number XXXX ). The check is from XX/XX/XXXX. My bank would not accept the check ( check has no expiration date but my bank said it is stale ). I called Ditech on XX/XX/XXXX and customer service rep said they would reissue. Customer service rep said I should get check in 10 business days. I waited 15 days and no new check. I called back and Ditechs number is no longer working. I found a different number and called and twice they said they would look in to the check and get back to me but they didnt. The check is for {$1100.00} so it is not a small amount of money. Is my money gone?
Product: Mortgage

I closed my escrow account with my mortgage company and I had a credit balance of {$3200.00} that they refunded to me and then they turned around and charged the {$3200.00} to my principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute regarding child support that is showing on my credit report that I do not know and they replied back saying that the account has been verified and has not provided any proof. I would like the full forensic audit you did to verify that this is my account.