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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX )
Product: Mortgage

This is a complaint about Credit Karma, which provides banks and credit card companies with referrals to solicit business from consumers. In the interest of refinancing my home with a company advertised in my Credit Karma account ( New American Funding ), I made a refinance application with XXXX XXXX XXXX, after shopping with a few other banks. I decided on XXXX because they promised to close my loan in 3-4 weeks. And after three months XXXX decided to terminate my loan. In short, this was done because XXXX did not want to honor my rate lock, which was made exactly two days before the Fed made their initial rate increase this summer. XXXX stalled, redundantly asked for documents, and attempted to change the terms of the loan, adding around {$7000.00} in additional closing costs at the eleventh hour. They also refused to honor the locked rate of 5.1 %. XXXX was dishonest, unethical, and in my opinion, operated illegally in their dealings with me. I have already filed a complaint about XXXX with CFPB. However, this complaint is directed at Credit Karma, for exposing me, their customer, to XXXX.
Product: Debt collection

XX/XX/XXXX - Received a collection notice from Jefferson Capital for XXXX XXXX debt in the amount of {$1400.00}. 
XX/XX/XXXX - Responded via a letter sent Certified Return Receipt through US Postal Service. 
Requested amount of alleged debt including an explanation of any interest charges and additional fees ; full name and mailing address of the original creditor ; documentation showing Jefferson Capital verified I am responsible for this debt or copy of the judgment ; names of all persons and entities that have purchased said debt ; and documentation showing they are licensed to collect debts in California. 

Also notified Jefferson Capital since I responded in writing within 30 days of being notified about said debt, they must cease attempts to collect said debt until AFTER they have provided the requested information. Continued efforts to collect said debt without first providing written verification is in violation of the Fair Debt Collection Practices Act. 

XX/XX/XXXX - Received notification of Payment Offers outlining ( 3 ) payment plans. The notification states offers to expire on XX/XX/XXXX. As of XX/XX/XXXX, NO INFORMATION has been received by me as requested through certified mail.
Product: Checking or savings account

I have had TD Bank for a few years now. In   XX/XX/XXXX  the United States  XX/XX/XXXX  me overseas where I was stationed from early  XX/XX/XXXX  until the middle of  XX/XX/XXXX . While Overseas I did not have access to my checking account or online access to notify of any unusual transactions. Upon returning back to America on  XX/XX/XXXX  I called into my bank only to be notified that my account had been closed due to overdraft.
Product: Debt collection

I disputed the collection account with Transworld via Transunion Credit Reporting but the dispute was upheld and still showing negatively on my credit report. 

" This request for removal was sent to the collections department on XX/XX/XXXX, still awaiting an update on the removal. '' Response as of XX/XX/year> from XXXX XXXX. 

Transworld Collection Agency collection account reinstated on all credit reporting bureaus approximately XX/XX/year>. Reached out to XXXX XXXX via email. Response above. 

Communication dated XX/XX/year> with XXXX XXXX below. Transworld Collection Agency removed collection account from all three credit bureaus. 

" Yes. One account. The address XXXX XXXX XXXX XXXX XXXX NC. It is showing on my credit reports. I am invoking arbitration ARTICLE IX. GENERAL PROVISIONS 9.2. Please remove the account from all credit reporting agencies collections immediately - Transworld Systems. '' Our Account # : XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor 's Account # : XXXX Balance Due : {$680.00} Repeated requests to invoke arbitration with XXXX XXXX as stated above. Repeated disputes via credit reporting agencies. All attempts have ended with no change in credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
XXXX5 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A Secton 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

{$78.00} payment to progressive that shows a XXXX balance but hasn't been removed from the credit report. 
I would like this immediately wiped from my credit report. And if there is a fee for that I will pay it. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$73.00} ; XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance {$3200.00} ; XXXX XXXX - XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX  XXXX XXXX ) XXXX  Balance {$120.00} ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I purchased a one year contract with XXXX XXXX XXXX and paid the full amount up front on the date contract was signed. I chose not to renew the contract. I informed my service technician several months before the contract expired and phoned XXXX that I would not be signing a new contract. 
More than six months after my contract ended I received a bill from XXXX for {$160.00} I again called them to inform them of their mistake. Approximately three months later I received another bill, I wrote on the bill that I didnt owe them anything since my contract was for 12 months and I paid in full initially. I asked for an explanation of the charges other than the amount. I never got a response but was instead handed over to XXXX XXXX XXXX for collection. Ive spoken with the above credit agency who asked me to prove I didnt owe the bill.
Product: Debt collection

Account # 1 $ XXXXBalanceXXXX SYNCHRONY BANKOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXAccount # XXXX $ XXXXBalanceMEDXXXX HOSPITALOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXAccount # XXXX $ XXXXBalanceXXXX XXXXOriginal Creditor XXXX XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXthese accounts was open due to fraudulent activity and results in police report
Product: Debt collection

Virtually the exact same problem as the post from XXXX 2016 from a different person. " XXXX XXXX XXXX, XXXX a collection company formed in -/-/- invests in distressed - loan mortgages caused by the collapse of the housing bubble in -/-/-. Because our home was over - underwater - - - through " Making Homes Affordable Program '' helped us keep our home by charging off our - loan and restructuring our - loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, XXXX has found a way to capitalize on the recovering housing market by picking up written off - loan mortgages at pennies on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. XXXX 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's resolve this matter because it was in their best interest to do so. I blame - - - for falsely leading us to believe we received a principal reduction and XXXX XXXX XXXX, XXXX for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and XXXX knows that which is how they get away with their. They need to be STOPPED! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and have been reported as " Deceased '' by TransUnion for close to a decade now. At first, given my young age at the time, I did nothing about the situation, figuring that nobody would steal a dead guys credit information. Things change, and I am now a married man trying to purchase his first property, who has been maligned by a system every American must use, that operates almost exclusively outside the United States. 

Thrice, I sent supporting documents to their XXXX, PA XXXX. XXXX. The third, I was finally smart enough to send Certified. The Social Security form they request was mind scratching to the employee from that administration, but I obtained it and sent it, as well as the other supporting documentation supporting my continuing existence. Never once did this corporation work to rectify my situation within 30 days, as the law requires. That my goals in life are 100 % intertwined with the way this company operates is discouraging. 

I am now 41 days removed from TransUnion obtaining my certified mail containing each of the documents they requested, notarized, as well as copies of my college diploma and marriage certificate as further proof that I have not kicked the bucket. Today I spoke to an employee based in the United States for the first time. After looking up the case file, she told me to send documents to XXXX, PA! She then found the documents, which were forwarded to the " Maintenance Office '', who now " have 5 business days '' to open the documents. After all that, I will receive confirmation in the form of a mailed credit report 7 business days from when they ... rectify it, I suppose? 

What generation opted to give 3 corporations the say on our citizens value? This was a data-entry mistake, that is it. Who are these guys?
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of non-permissible credit inquiries from my credit report. My report was pulled by the following companies without my authorization or knowledge. 
XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor 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 an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was using XXXX services for a while. I recently moved overseas the past few months and have been renting at a location outside of the United States, though I still have mailing address in the United States. I use this information to fill out a tax form on XXXX with intention to use their service to file for taxes, however, due to inaccuracies information on XXXX tax, I decided best not to use their tax services to file my federal tax return this year, not that I am required to file my tax return since I am actually exempt according to the IRS. 

What happened next is very interesting, the foreign address which I use to fill out my tax return on XXXX which I did not file show up on my Transunion credit report on XXXX website, not only that, the information on that is incorrect as I am currently in XXXX, and the information show an address that is of neither XXXX or United States, I am trying to make a determination whether the incorrect information is from XXXX or Transunion furthermore, this is not the first time I have experienced incorrect information on my credit report on Transunion as well as XXXX site, combining with the fact XXXX estimation of my tax is incorrect, I have decided to no longer use XXXX services. I would like to know whether it is XXXX or Transunion that is inputting incorrect information on my credit report. 
This is not the first time Transunion has provided incorrect information on my credit report and I think there is something every wrong with this credit report agencies. Including manipulation of information, deliberating change information of customers. I believed this many incidents which include some I have reported in the past show potential extreme corruption in this organization.
Product: Mortgage

My name is XXXX XXXX and on XXXX XXXX I received notice from WELLS FARGO XXXX preservation Department stating their loan modification was denied on account number XXXX. Currently there is an Appeal on this denial, however I noticed that a ( income and expenses documentation XXXX from XXXX was used in the decision on the loan Modification application submitted in XXXX XXXX. Due to the change in circumstances from The origination of the loan in XXXX, This matter should be investigated.
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires and account in my credit report.please remove that. XXXX XXXX inquire date XX/XX/scrub> XXXX XXXX XXXX inquire date XX/XX/year>XXXX XXXX XXXX inquire date XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Dear CFPB, I am writing to seek your assistance with a matter concerning Wells Fargo Bank. Despite my efforts to resolve a dispute through the banks designated channels, I have encountered a series of challenges that suggest a deliberate neglect of my case. 

After initiating a dispute on XX/XX/XXXX and today I provided all necessary evidence to support my claim. However, instead of processing my dispute, Wells Fargo Bank has repeatedly requested that I call back and resubmit the same evidence, which I have already provided. This cycle has been ongoing, and each time I am assured that my evidence will be reviewed, only to be asked for it again later. 

This pattern of behavior from Wells Fargo Bank is not only unprofessional but also feels like harassment. It appears to be an intentional tactic to delay and possibly deny the resolution of my dispute without just cause. 

Therefore, I am turning to the CFPB to request an intervention in this matter. I believe that Wells Fargo Banks actions are in violation of fair dispute resolution practices, and I seek your guidance on how to proceed to ensure that my dispute is handled appropriately and justly. 

Enclosed, please find copies of all the evidence and correspondence I have submitted to Wells Fargo Bank thus far. I am hopeful that with your involvement, this matter can be resolved swiftly and fairly. 

I look forward to your prompt response and thank you in advance for your attention to this urgent matter. 

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

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. XXXX XXXXXXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX  XXXX XXXX - Company has been made aware of the issue and has agreed to update the status to open/never late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance : {$3100.00} ; DEPT OF EDXXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$44000.00}
Product: Checking or savings account

XXXX from XX/XX/XXXX to XX/XX/XXXX the company has went into my bank account and took out XXXX XXXX and {$60.00} they did it as a form of retaliation because I reported them for committing fraud and going against their fiduciary duties and I made a complaint on them before they disregard the fact that the consumer finance department no one is aware of them robbing me previous time before and they wanted to show me that they don't care what a day would I make a complaint because they're going to do what they want to do and robbed me and no one can do anything about it I don't care if they try to XXXX me a hundred times I'm going to report them a hundred time until they get into their head not to go against their fiduciary duty to respect their client and not to commit fraud they have stolen {$460.00} out of my account in the month of XX/XX/XXXX to the XXXX this year XXXX. So I like to see if we need to look into it and to stop them from continuously looking to commit fraud against their clients go against their fiduciary duties and during the time of Corona during our endemic they're looking to make me more poor than I am now. to not be able to can buy food or to take care of myself or my family [ XX/XX/XXXX, XXXX XXXX ] Chase Bank located in the XXXX new York area bank routing number XXXX Routing number My Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX new York XXXX My email : XXXX Bank account number is : XXXX Name of bank : XXXX Complaint sent to chase bank credit card XXXX : For CFPB there was a mistake made it is not a bank credit card this complaint is about the bank taking money from my checking account. It was meant to say ATM card and withdraw from checking saving account. So I just showed the complaint number of the first complaint and this is the correction to that complaint because it is not a credit card it is the bank going into my bank account and taken out XXXX to {$480.00} from my account the month of XX/XX/XXXX to XX/XX/XXXX XXXX