23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SUMMARY : As a prospecting Home Owner in XXXX, I wanted a local bank in the region of metro XXXX, XXXX to finance my home - I chose XXXX Bank and upon processing my loan to finance. I wanted to feel the need to if I had any questions about my loan or any circumstances of my situations, I had the pleasure to walk into the bank itself. My loan was sold to US BANK in which I had no control of. Since the transferred of the loan, I have not received the adequate of services of this lender. This loan servicer is located in the State of XXXX in which is not accessible for me. With a local bank that is accessible in your area will allow you to incorporate the questions and concerns of your mortgage - to have someone to speak in person says a lot to handle the future of your home. I was deprived of that by force ... not by choice. According to US BANK, I have been calling a CALL CENTER and spoken with a dozens of individuals in which half of them told me something different other than what the others said ... no consistency at all!! This is not a call center whereas I pay my phone bill, credit card, or check on my banking account - This is my home, my shelter, my dwelling!! My intent is to save my home, however, with dozens of denials from US BANK and too many inconsistencies based upon the documentations has really been appalling. The last Relations Manager on my account - XXXX, did not work effectively or efficiently for me to save my home. She was rude, very loud talking, and spoke with hostility in her voice. I have several times to ask for a new Relations Manager, however, I resulted back to her to contact. I was told I did not have enough income ( XXXX documented ), but yet, to work a second job and was told I made too much for a modification on my home ( XXXX verbally ). Majority of all documents ... at least 75 % would not contain any signatures or names. My original loan payment of {$1400.00} began XXXX/XXXX/XXXX - my ending mortgage payment of {$1400.00} is XXXX/XXXX/XXXX ... .where is the assistance or real modification?? How can one receive documents that you were denied without a signature or name of who denied you - How can one be approved for $ 10- {$30.00} dollars off your monthly mortgage without a signature or name of who approved you ... .only to say ... Sincerely, The Resolution Default/Loss Mitigations Department XXXX Too many inconsistencies, speaking with too many individuals and the bias decisions has led me to this point of mayhem!! 

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

I have hard inquiries on my credit report, that I did not authorize. Hard injuries such as XXXX XXXX XXXX ( XXXX XXXX, XXXX ), XXXX ( XXXX XXXX ) and XXXX cable ( XXXX XXXX, XXXX ) are all unauthorized hard inquiries, As I just recieved a copy of my reports recently I noticed these injuries on my report and put a fraud alert on all three of my reports I contacted Equifax and XXXX about these items being unauthorized I informed them it was identity theft has played a part in them being unautherized inquriies and accounts. Accounts such as XXXX XXXX XXXX XXXX and XXXX cable is identity theft and should be taking off my credit reports. Letters and letters of the Law have been sent to all three bureaus. XXXX XXXX was the only one that has resolved the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Bankruptcy Statutes : 15 U.S.C. 1681g section 609 states every consumer reporting agency shall, upon request ..., clearly and accurately disclose to the consumer the sources of information reported. The US Bankruptcy Court of Texas does not, as a rule, furnish or disclose any information regarding filings to credit reporting agencies. XXXX XXXX is the reporting agency making this record false and inaccurate. Not only that, In accordance with 15 U. S. C. 1681c section a1, which states, No consumer reporting agency may make any consumer report containing information regarding bankruptcy from the entry of order or relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The law only provides for a maximum length of time, provided the information is true and accurate, not a minimum length of time. Therefore, this reporting is in violation of the Fair Reporting Act and must be removed immediately. The continued reporting of this inaccuracy after repeated attempts to resolve it has resulted in substantial personal damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and still find unauthorized inquires that I have not given written consent for Transunion to furnish. This is identity theft and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I and XXXX XXXX  have sent numerous letters to Transunion showing that the account that they allegedly claim that I had with XXXX  XXXX XXXX was been reported inaccurately. We have asked them to delete XXXX  XXXX XXXX from my credit report and they have failed to do so as the information been reported on my credit report as it pertains to XXXX  XXXX XXXX is inaccurate. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( III ) and I requested there method of verification and they have failed to provide me with this. The law states that the credit bureau should ensure that the consumer gets a copy of the method of verification within 15 days after they got the request for it. According to the United States postal service Transunion got my request on XX/XX/2021. It has been more than 15 days and Transunion has not responded. It is illegal for a questionable item to be on my credit report and I asked the credit bureau for proof that this is reporting accurately on my credit report and they have failed, cant or wont provide this proof and this is a case of severe injustice for me. CFPB I am asking you to instruct Transunion to delete XXXX  XXXX XXXX from my TRANSUNION CREDIT REPORT IMMEDIATELY. I am going to attach with this complaint a copy of the notarized letter that I sent to Transunion and a copy of the certified receipt from the United States Postal Service. If they fail to delete it from my credit report then I will report Transunion to the XXXX XXXX XXXX, file a complaint against them with my state Attorney General and also take legal action as necessary to get the matter fixed.
Product: Checking or savings account

On XX/XX/XXXX I wrote a {$30000.00} check from my Wells Fargo checking account to XXXX XXXX.This check was intended to be deposited in my XXXX IRA for the tax year XXXX. I monitored by accounts and noticed that the check was cashed on XX/XX/XXXX. But after XXXX working days, the check did not appear in my XXXX account. I called XXXX on the morning of XX/XX/XXXX and was told that XXXX did not receive my check and that " the endorsement for this check was not completed by XXXX ''. I then called Wells Fargo and worked my way through several departments, finally being connected with the Check Fraud Claims Center. I was told they would begin investigating. On XX/XX/XXXX I received a letter from the Wells Fargo Check Fraud Claims center stating " we are working to obtain a refund for you from the bank that accepted the deposit. '' They also stated " It typically takes 90-120 days to resolve. '' I called the Wells Fargo Claims Center on XX/XX/XXXX to get an update. I was told that they are continuing to investigate and that the " bank that cashed the check has not responded yet ''. And that all information gathered during the investigation was " confidential ''. I am of course very dissatisfied with the communications, the disinterest and cold hearted response I have received from Wells Fargo. At this point I am not sure if I will every see this {$30000.00} returned to me. And I may have missed my opportunity to save for my future. What recourse to I have? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I had a solar panel loan with XXXX XXXX XXXX XXXX i defaulted on when my house went into foreclosure for aprox {$37000.00}. At some point they either sold it or have a company called XXXX XXXX XXXX is also reporting it but at a {$40000.00} balance with XXXX listed as original lender. This is double reporting from understanding it should be one or the other only reporting. Makes it look like i owe double what i do. This is on my XXXX credit report. its also prob on my XXXX and equifax too.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7th letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my 7th notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION FROM MY ENTIRE WALLET BEING STOLEN, EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION TO OPEN UP CREDIT CARD ACCOUNTS AND CAR LOAN ACCOUNTS. 
My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Product: Vehicle loan or lease

I purchased a car was targetted to pay a insanely high rate after trading in my vehicle to purchase a new XXXX XXXX. The engine went bad and other things occurred during the time I had it which coated thousands. I've said XXXX on a XXXX car. they targetted me on a bad loan, called me none stop, lied and charged me more. This has destroyed my credit I can't find a good lawyer. I have zero paperwork from them. My car had gap insurance, I was paying about XXXX a month just to drive and did this for year 's. They limited my life destroyed any chances of my life going forward and this created damages to my business.

I was told first month was due at the time of the next ... I argued this and it then later turned into oh you're late and owe double, then denied me the chance to refinance when they lied!!! One month later. I traded my {$3000.00} jeep in for that and they still lied!!!! {$16000.00} + jeep fees
Product: Credit reporting or other personal consumer reports

Equifax and XXXX have put charged off items back on my credit as delinquent.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Central Portfolio Cont XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Dear Central Portfolio Cont, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This letter is my final communication to Experian regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

1. Account XXXX XXXX XXXX XXXXXXXX ( XXXX and XXXX have removed this account ) 2. Account : XXXX XXXX XXXX ( XXXX has removed this account ) XXXX. Account : XXXX XXXX XXXX ( XXXX have removed this account ) I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Please see the attached dispute letter that is dated and time stamped for your reference.
Product: Credit card or prepaid card

I am a victim of XXXX XXXX XXXX, and I need you to remove the Discover Credit card from my credit report please!
Product: Debt collection

On XX/XX/XXXX I mailed a dispute letter certified mail to the reporting company XXXX XXXX XXXX ( a part of XXXX XXXX XXXX ) which I have included for all to view. I sent it certified mail by XXXX where I have kept very close records time stamped, as well as date ; etc of exactly what they are suppose to comply with when receiving a dispute letter. I noticed this reporting to all 3 major bureaus when I pulled my credit in XX/XX/XXXX. I allowed the mail to actually get to them, and began counting the 31 calendar days they had to reply back to me from the date they signed for my letter. I also have attached my letter I received from the USPS with who, and the date of who signed on their behalf the day that took place. I also have included the dispute letter I wrote to them, and have also attached where I pulled my credit today XX/XX/2018 from XXXX, XXXX and XXXX to prove their noncompliance, and the violations that are set within laws, and the violations of my rights as a consumer have been totally ignored with no reply, and not placing the dispute comment on any of the reporting agencies proves they have failed to comply with many violations, and just as my letter stated. I would hold them accountable and file complaints to you, the proper attorneys general offices, and the XXXX XXXX XXXX. I demand they remove the listing collections agency XXXX XXXX XXXX  collection account from all 3 credit bureaus, and mail me proof that their negligence has been taken care of immediately from reporting any negative information in my name to anyone. Please hold them accountable!!! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not nor do would I I have an a negative account on my credit report from child support when there never was an account.?
Product: Checking or savings account

On XX/XX/2020 I sent an ACH transfer from own personal Transferwise checking account to another bank account, also in my name. The funds were sent from Transferwises XXXX XXXX partner bank to my bank, perhaps incorrectly, and bounced back from the destination bank. The destination bank noted improper ACH instructions and confirmed they never got a hold of the funds. As a result, the funds are currently sitting at Transferwises partner bank. 

Throughout XXXX and XXXX and at least XXXX times, Ive been in contact with Transferwise, who continue to maintain that the only course of action is to wait because their partner is not responding to their recall requests. Effectively, Transferwise is not taking responsibility, nor exercising any sufficient oversight over their domestic banking partner, and are using their lack of banking license as a means of separating from the issue.
Product: Debt collection

I kindly request your adherence to the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to safeguard the rights of American consumers with respect to credit bureaus. In consideration of this regulatory context, I humbly implore XXXX to undertake the necessary actions to omit the following account details from my credit report : Account Details : Account Name : FLAGSHIP CREDIT ACCE Account Number : XXXX Original Creditor : Company that Acquired the Account : Date of Account Opening : XX/XX/XXXX Account Status : Closed Last Status Update : XX/XX/XXXX Account Type : Installment Status : Charge-off Balance : {$12000.00} Balance Update : XX/XX/XXXX Original Balance : Monthly Payment : {$0.00} Past Due Amount : {$12000.00} Terms : 1 Month Responsibility : Individual Account I emphasize that the account information attributed to XXXX XXXX was not prepared or generated by me. As outlined by the FCRA, which underscores the importance of maintaining the accuracy and fairness of individuals ' credit histories, I earnestly request your prompt attention and resolution of this matter. 

Your steadfast commitment to upholding the core principles of consumer rights within the domain of credit reporting is greatly valued. I anticipate your timely response and the necessary corrective measures required to address this situation appropriately.
Product: Credit card

I applied for an offer described in the following article : https : XXXX dated XX/XX/year>. That was the offer I had applied under, but was given a different cardmember bonus in my account. I can not even find this cardmember bonus anywhere publicly. The customer service representatives and supervisors have not been helpful at all in resolving what is deceptive advertising. There was no confirmation of what cardmember bonus I got in any written form from the application. I did not even realize I had a completely different deal until I confirmed my progress in my progress to see that I only needed to hit {$2000.00} in spend for XXXX XXXX XXXX miles when I specifically applied for a much better deal in hitting {$3500.00} in spend for XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received an email from my paid credit monitor service that a bankruptcy was reported on all XXXX credit bureaus. so I called each bureau and ask them who reported this information. everyone lied to me and told me the court reported it. So I sent a letter to court asking them why did they report this to XXXX, TransUnion and XXXX. The court mailed me a letter stating that they will never report any information to any of the credit bureaus or any 3rd parties nor has business with any of them. 

So I mailed a certified letter and priority letter to each credit bureau also to XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. along with that dispute was an attachment of copies of my social, ID and proof of address along with the copy of the letter the court mail me stating they don't report to none of them nor has business with any of them. 

The dispute letter was me Demanding for the bankruptcy to be deleted immediately. It has now been over XXXX day and i haven't received any response in the mail. But on my paid credit monitoring service it shows my investigation is completed and verified as accurate. 

The listed companies above is in clear violation. And someone is not doing there job. 
This is a violation with the Privacy Act of 1974 This is a violation with the FCRA This is a violation with FCRA 611 ( 15 USC 1681i ) This is a violation with FCRA 623 ( a ) ( 5 ) This is a violation with 15 USC 1681a ( e ) This is a violation with 15 USC 1681b ( a ) ( 2 ) This is a violation with 15 USC 1681c ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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