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

XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by Wells Fargo AutoXXXX XXXX  XXXX, CO XXXX I contacted Wells Fargo AutoXXXX XXXX  XXXX, CO XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Credit card

My credit card was closed by BMO Harris bank. My account is listed under my maiden name XXXX XXXX XXXX. 
I have excellent credit, I pay on time in full and have never been late, and I've had the credit card for at least 5-6 years. On XX/XX/year> I tried using my credit card but it was declined. Next day on XX/XX/year>, I called to see why it had been declined and they told me they closed my account. " due to cardholder agreement, we can close your account for any reason and at any time. '' I demanded an explanation and they said they could not give me one. I spoke with the manager and demanded a written explanation due to the FCRA, and she said the week of XX/XX/year> - XX/XX/year>, I'll receive one. A letter came yesterday on XX/XX/year> stating my card had been closed, but did not provide an explanation. My credit has been affected today and has gone down a few points due to no fault of my own. I called today XX/XX/year> and spoken to a manager who said she could not provide me an explanation and they can not send a written statement. I spoke with the BMO dispute center and they said, " you're not the only one. This has already happened with numerous people. We can send you a form to dispute it, but I'm letting you know right now, we can't dispute it. We've already been told we can't do anything about it. There's nothing else we could do. '' Please help. I don't want my credit being affected. I'm very aware of growing and protecting my credit score. I opened a credit card last month with XXXXl XXXX and now this month, BMO closed my credit card. This can be seen as a hard inquiry and to have 2 incidences in less than 6 months, can be a huge permanent impact on my score which I would've absolutely never let happen. But it did, due to BMO closing my account against my will. Please help me to not be affected by this. I don't want this in my credit history. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent letters to Experian requesting documentation on how they were able to verify the inaccurate information they are reporting from XXXX XXXX  that I was late 60 days XX/XX/XXXX. I also sent a letter to XXXX XXXX agency using the address that was provided on Experian report however that letter was returned as undeliverable. How can Experian report this information if they can not even provide the correct address for the child support department. As of this date Experian has not responded. It has been well past 30 days that is required by FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been neglecting my requests for the removal of the fraudulent information on my file despite the multiple written appeals that I have been sending to them. The last letter I sent to Equifax was XX/XX/2022, with complete attachments of my personal information to remove the account and information reporting on my file that is completely UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this account in my previous Complaints & I am including them again : XXXX XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent {$3000.00} through  Western Union  money transfer online service to  XXXX  on  XXXX   XXXX   2017. Th e service was promised to receive my in recipient account within  one  business day. But even today on  XXXX   XXXX   2017, m y  XXXX  account did not credited with money I sent.  XXXX  equivalent amount is  XXXX    XXXX   I spoke to  Western Union  people 3 times so far they were unable to explain where my money went and they could not provide any email proof to me that how and where they sent money.     I happened to spoke to international bank about it but unfortunately they did not receive any money or without any transaction tracking details they were unable to help me  Western  union only gave me this : Tracking # ( MTCN ) :  XXXX   XXXX   XXXX  which shows transaction complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report number XXXX I am filing this complaint because XXXX has ignored my multiple request to provide me with the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of FCRA - They are required to " ... promptly delete all information which can not be verified ''. 

Account Name : XXXX  XXXX Account number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Please resolve this issue as soon as possible. 

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

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; Unkown : XXXX ; Unkown : XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX   XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX XXXX ; XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 i submitted a online dispute with Trans Union, LLC for incorrect information i found on my credit report, they informed me their investigation would be completed on XX/XX/20. today i logged into my portal and i found no resulted for this dispute and the dispute has vanished from their site. i also noticed that my credit report is unchanged or corrected. i have attached all of the same documentation i provide to them when i disputed this incorrect account and evidence that it sould be deleted. also, experian has deleted this account from my credit report and provided the resulted to Trans Union during the original dispute.
Product: Credit reporting or other personal consumer reports

After careful review of my Credit Report, I noticed two accounts that doesn't belong to me. Those accounts are XXXX XXXX XXXX, and XXXX XXXX. I have included these accounts in my Identity Theft Report. I also noticed one hard inquiry from XXXX XXXX XXXX that doesn't belong to me, nor have I gave them permission to run my Credit Report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern/Letter to Receiver, I am writing to formally request the immediate deletion of the above-referenced account from my credit report. This request is made based on the following grounds : Violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) Regulations 1. Lack of Validation : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide the necessary validation information for this account. Despite this, a collection has been placed on my consumer report without proper validation.

2. Right to Dispute : I have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ). This is a clear violation of my consumer rights, as I have not received the appropriate notice or opportunity to challenge the validity of this debt. 

3. Misrepresentation and Deceptive Practices : The collection agency is in violation of my consumer rights by using false, misleading, and deceptive means in its collection practices. Such actions are in direct contravention of federal regulations designed to protect consumers. 

4. Furnishing Information to Consumer Reporting Agencies : The collection agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures as stipulated by law. This is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ).

IRS Grounds for Deletion Based on 1099-C The account in question is listed as " Charge Off. '' According to IRS guidelines, a creditor that issues a 1099-C form is declaring that the debt has been canceled and reported as income. Consequently, the debt can not be simultaneously reported as both income and an outstanding debt. This contradictory reporting is impermissible, as the account status of " Charge Off '' indicates that the debt has been written off and should no longer be reported as owed. Additionally : - A debt buyer can not claim a debt is owed without a valid contract with the consumer and without the consumer 's knowledge of said claim or fee or fees stated.

- The IRS 1099-C form indicates the cancellation of debt, which negates any further claims of the debt being owed. 

Given these substantial legal grounds, I demand the immediate removal of this account from my credit report. Failure to comply with this request may result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing remedies under the Fair Credit Reporting Act ( FCRA ). 

Please confirm in writing that this account has been deleted from my credit report within 30 days of receipt of this letter. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX This letter addresses the specific violations of the FCRA and CFPB regulations, as well as the IRS grounds related to the 1099-C form.
Product: Money transfer, virtual currency, or money service

Wells Fargo, allowed the draining of my credit car and money withdrawn from my savings without my permission. My checking account at the time had a balance of {$8500.00} and a hacker got into my account while posing as a XXXX security agent. They took over the handling of my Wells Fargo Accounts and transferred money from my credit card to my savings and then from my savings account and Wells Fargo did not stop it. Even after I called to explained they said there was nothing they could do because it came from my XXXX address. Even though I explained and advised them the transfer was not authorized or done by me. They said because it came from my XXXX there was nothing they could do. Then they charged me an additional {$770.00} for a cash advance I did not authorize. So, I so I closed all of my accounts with Wells Fargo because they did not take protect my funds when they should have. Now I stuck paying advanced fee 's and {$14000.00} back for something I should have had to deal with it Wells Fargo had stop the transaction like they should have. 
When you review their communications, they could not get the total amount correct which lead to more confusion and wonder about their professionalism and being able to protect my funds.
Product: Credit card or prepaid card

I had a problem with my mail, BOA received a statement returned as undelivered. I finally received my statement, immediately paid my bill, but BOA charged me a late fee and interest BOA knew I did not receive my statement, yet they still assessed me the fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and Experian to remove accounts from dispute status and remove dispute comments on XX/XX/22. Associates at both credit bureaus told me that they do not see the dispute comments under my XXXX XXXX XXXX account ( see last page of attached ), but when I print out my credit report, the comments are clearly there. This error on my report is preventing me from obtaining a mortgage, lenders do not like to see accounts in dispute status. The XXXX XXXX XXXX account should not have any disputes on it, and both credit bureaus are telling me that there is nothing they can do to fix this error.
Product: Debt collection

XXXX XXXX XXXX To Whom it may Concern. This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

Companies such as JMPCB Card Services and XXXXAmazon used my information without my consent which got me hard inquiries in my credit report. I did attempt to apply but never got an agreement or consent to use my information to read my credit or any other personal information of mine. I wish for these two unknown credit companies to remove those hard inquiries from my credit report for no further action to occur without my authorization. These inquiries without my consent occurred on XX/XX/2022. For the right of my authority, I recommend for the following companies to politely remove these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 an outstanding debt of {$60.00} was listed as a collection debt on my credit report. It lowered my credit score by 30 points. It was reported by Commonwealth Financial XXXX XXXX for : XXXXXXXX XXXX XXXXXXXX XXXX. I have contacted XXXX XXXX they have to knowledge of this debt and have attempted to call Commonwealth Financial with no success. I am disputing this debt and believe this fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from Experian XXXX XXXX and XXXX immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a collection account on all my credit files that is not mine and is inaccurate. I sent a dispute letter asking for validation information and they did not respond. When I called they said I owe for changing insurance companies which is my right to do as I was not under any contract of any kind and not obligated to stay.
Product: Debt collection

A few years ago, my car was robbed ( XXXX XXXX between XXXX and XXXX XXXX, XXXX ). I reported it to the XXXX XXXX XXXX XXXX. My XXXX and XXXX were both stolen, along with an unused XXXX XXXX XXXX  XXXX Milestone Master card. XXXX XXXX XXXX has called repeatedly. I have shared this information each time and they say they will investigate. They continue to call incessantly. Yesterday ( XX/XX/24 ), they implied that a lawsuit was in process. After pushing the issue, they admitted no legal action has been taken. It was simply a tactic to intimidate. They are claiming a debt of {$770.00} ns continue to report to the credit bureau.
Product: Money transfer, virtual currency, or money service

My concern is with BLOCK, the company responsible for CASH APP. I have determined that my personal financial data is being held hostage by their software. I should be able to connect cash app with XXXXXXXX XXXX XXXX XXXX XXXX XXXX, or other XXXX XXXX  software. I am certain that if I started a class action lawsuit, other organizations such as XXXX, XXXX, and various banks with financial management software would join. It should not have to come to that. As far as I know, there is no other organization that traps consumer financial data in this way. Yes, it is possible to go to the Cash app website, download a data file and then hopefully upload it into some other software, but the process should not be unduly difficult in this way. There is on mandated standard data format for personal transactions. Thousands of banks participate in the PLAID data verification system, but CASH APP is notoriously absent. If BLOCK is going to be allowed to function like a bank, they should be expected to give people easy access to their personal transaction data like other similar organizations. 

These are the types of issues that the CFPB should be involved in.
Product: Credit reporting or other personal consumer reports

I REQUESTED AN ADDTIONAL RESOLUTION TO MY NAME ON MY CREDIT FILE BECAUSE IT IS NOW INCORRECT AND NOT MINE AFTER MY IDENTITY THEFT COMPLAINT FILED I RECEIVED DOCUMENTS TO UPDATE MY CREDIT FILE, BUT WITH THE NAME XXXX XXXX XXXX XXXX. 

THIS IS NOT MY LEGAL NAME, THIS IS THE LEGAL NAME OF MY FATHER AND IS NOW BEING REFLECTED ON MY CREDIT FILE. 

MY LEGAL NAME IS XXXX XXXX XXXX XXXX AND I DO NOT HAVE ANY ALIASES, NOR HAVE I EVER HAD ANY ALIASES. EQUIFAX HS CONSISTANLY REPORTED INCORRECT INFORMATION ON MY FILE AND HAS NOW AGAIN MERGED MY NAME WITH ANOTHER PARTY, THAT PARTY BEING MY FATHER I WANT ONLY MY LEGAL NAME REFLECTED ( XXXX XXXX XXXX XXXX ) ON MY CREDIT BUREAU , ALONG WITH ONLY MY ACCOUNTS LISTED ON MY CREDIT FILE
Product: Debt collection

Dear to whom it may concern, I have reached out to National Credit Systems about an alleged debt. I asked them to validate it and provide sufficient information pertaining to the debt. They refused to honor my request. The account is providing me stress and affecting my credit score and I do not know where the debt originated from. 

Account Name : NATLCRSYS Account Name : XXXX The information about this account is reporting inaccurately especially date of last activity ; date reported ; and account status. Based on FCRA 611 ( a ) ( 7 ) I have the right to request for valid information about debt being reported on my credit report. The failed to provide me proof of the alleged debt ; the original creditor information ; payment history ; contractual agreement with my signature and proof that they are able to collect debt in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

-As of XX/XX/2020 I checked my credit report which stated I had a score of XXXX. 
XXXX XX/XX/2020, I checked my credit report which stated I had a score of XXXX. 
-The only thing that has been done differently in that short time frame is contacting my loan services for deferring my payments for my student loans. 

*As part of the coronavirus relief bill passed through Congress and signed by President Donald Trump on Friday, lenders must stop all payments for federally held student loans through XXXX XXXX. During that time, interest will not accrue on the loans and nonpayment during that period can not be used to affect credit scores or a persons qualification for loan forgiveness. According to the bills text, each month for which a loan payment was suspended will be treated as if the borrower of the loan had made a payment. 
-source : United States Congress -Now they are negatively impacting my credit score in violation of an act of congress.

-The credit reporting agency also failed to protect me under the maximum accuracy provision of the FCRA 16 USC 1681 et al by not insuring that the student loan servicer complied with all the relevant rules required by the FCRA . 
-As such, their reckless, wanton, and disregard for the rule of law has now adversely impacted my credit score, as such I am continuing to suffer irreparable harm by the acts committed and recklessness by the CRAs and XXXX  XXXX XXXX XXXX
Product: Debt collection

The law firm of XXXX XXXX, and her partner XXXX XXXX, entered a judgment against me, without verifying if I am even the person they are looking for. 
The judgment cause me to lose my license and my job in now on the line. 
I called the office and spoke to XXXX XXXX, and he verified the last four digits of the person they are suing and its not mine. 
When I asked him to remove the judgment against my name and to send me a letter explaining the have made a mistake, he hung up on me. I called back and now they are not answering. 
I need your help to resolve this issue before I lose my job. 

Thank you