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

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX XXXX 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 XXXXXXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

The interest rate at uprova are inhumane I didnt realize till now there interest rate is 750 % which means the loan will never get paid off. I have already made numerous payments and the loan isnt even close to being paid off. This is against many laws and I want no part of this money shark game. Please remove the account off my credit and do no report to the credit bureau as defaulted or late payments. I can make XXXX more payment of XXXX dollars and that is all I will pay with them no more after that. If they accept that id like the account completly closed and paid In full.
Product: Credit reporting or other personal consumer reports

I never had a contract with this debt collector for any debt. Nor do I ever remember ever being late or missing a payment on this account. I requested proof and validation that this debt is mine but have not received anything in return
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. XXXX XXXX XXXX XXXX Opened on XXXX and inquires XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX XXXX on XX/XX/XXXX XXXX 
So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report
Product: Checking or savings account

My direct deposit has not been processed at capital one bank to my account and it has been two says since my payroll has submitted my direct deposit.
Product: Credit card or prepaid card

Applied to XXXX for their credit card. Received a reply from XXXX XXXX XXXX, that, using XXXX XXXX my credit app was denied because I am DECEASED. Most assuredly I am not. I have called XXXX, left a message and no reply. 

This is sloppy credit investigation, poor scrutiny and lousy fact checking. This company needs to be closed.
Product: Checking or savings account

my complaint is against wells fargo for not disclosing morgage backed securities and files that have been there. My overdrafts were supposed to be credited and were not allowed others to use my account without my knowledge and lied about me having anything there at all.I called enterprise services and spoke to an XXXX XXXX and she was helpful in letting me know that i did have stuff there and that i I also have got information of an employee of wells fargo sold my information which i have a picture of her with her passport with the bonds. I also was sent the files that were located which was a file from XXXX also my bitcoin mining data was sent but files were corrupted and unveiwable.I have tried time and time to get back ahold of enterprise escalations to have the files sent again and employees would not let me talk to escalations the same employees keep passing me around for hours until i hang up.. 

XXXX  XXXX XXXX XXXX XXXX XXXX OPENED A CASH MANAGEMENT ACCOUNT TRADED AWAY A COMPANY {>= $1,000,000} WAS THE TOTAL THAT CAME FROM THE TRADES THEY AVOIDED/ ME AFTER THAT ULTIMATLY DENYING ME TO MY ACCOUNT AND SHUTING MY ACCOUNT DOWN AND DENYING ME ACCESS TO ANY FUNDS. 

I HAVE NOTIFIED BOTH OF THESE BANKS THAT MY IDENTITY HAS BEEN STOLEN DUE TO WELLS FARGO EMPLOYEE AND VARIOUS DATA BREACHES THAT HAVE FOLLOWED. 
I HAVE A FICTIOUS NAME WITH WELLS FARGO WHICH IS XXXX XXXX  IT WAS MADE UP FOR XXXX BRANCH. A GROUP OF HACKERS INCLUDING MY OWN LOCAL XXXX XXXX XXXX XXXX HAS FACILITATED IN THESE CRIMES. I HAVE ALL PROOF NEEDED TO PROVE MY CASE. THEY HACKED MY EMAIL AND FROM THERE WENT TO XXXX AND HAD MY XXXX FACTOR AUTH RESET AND STOLE THAT. THAT IS THE XXXX XXXX  U SEE NOW A FRAUD IMPOSTER AND XXXX FACILITATING THESE CRIMES AFTER HE DEFRAUDED MY BANK XXXX XXXX  FOR {$450.00} XXXX AND IS GOING FOR IT ALL NOW THEY ARE MANIPULATING DATA TO TRY AND STEAL AND COVER THERE CRIMES UP.
Product: Debt collection

I changed adress and was never sent any notice or bill nor a phone call
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXshowinghasveryseriousdelinquencywithmyaccountwhichisinvalid.IhavefirsttwolatepaymentsinXX/XX/2018andXX/XX/XXXXbecausecreditproviderdoesnotsendanydetailsorlogincredentials(accountdetails)inordertopaytheamountwithintimeframeanditswaspaidimmediatelywhenigottherequiredinformationabouttheaccount.duetothisdelay,ihavenotifiedwithveryworstcreditscoreandstatedasseriousdelinquencywithnumberofaccountsonlywithXXXX-XXXXhoweverihavegoodcreditscorebyotherproviders(XXXX-XXXX&XXXX-XXXX).

IhaveseenverybadscorefromSagestreamLLCwhichshowingas-XXXX.Iwouldliketorequest,pleasecorrectthiserrorandtakenecessaryactioninordertogetproperfaircreditscore.Thanks!
Product: Credit card or prepaid card

REF number : XXXX On XX/XX/2022, American Express XXXX against me, after running my credit, and send me a letter that my application was not approved. I can break down all of these terms, " Credit '', " application '', according to federal laws but I will hold off for now. I am looking for justice, as this is discrimination against my personnel, and my character. They did not even interview me for my consumer report. 

I am hoping to get this situation resolved right away!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Upgrade Inc ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
In accordance with the Fair Credit Report Act XXXX Account # XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.
Product: Debt collection

Im in debt consolidation program. One of the credit card companies is Nordstrom. Nordstrom has contacted my siblings, concerning my debt. I have never provided Nordstrom with my familys information. They are using third-party tactics to find my relatives. Im afraid they will call my job next.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an Investigation letter to each credit bureau, telling them to verify that the accounts below are 100 % accurate and to remove anything that's inaccurate. After receiving their findings, I then sent out a Reinvestigation letter with the tracking # : XXXX to TransUnion on XX/XX/2022. Instructing them to re-investigate and remove this inaccurate information from my credit report. 

Accounts : XXXX  > Account # : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  > Accunt # : XXXX XXXX XXXX XXXX Patient First XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX Hard/Soft Inquiries : XXXX XXXX XXXX XXXX They stated that the accounts were verified, but how is that possible if the Open Date is inaccurate, the Date Last Active is inaccurate, and the Date Last Reported is inaccurate. According to the FCRA everything must be 100 % ACCURATE. I also have the credit report showing the inaccuracies. 

They did did not do a proper investigation according to the FCRA : 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews w/ neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The credit bureaus violated my given rights numerous times under 15 USC 1681 : In accordance with 15 U.S.C 1681 Section 602 A : I have the right to privacy.

In accordance with 15 U.S.C 1681 Section 602 ( A ) ( 2 ) : A consumer reporting agency can not furnish an account w/o my written instructions.

In accordance with 15 U.S.C 1681S-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX and XXXX two collection reports were reported by ADASTRA Recovery. One was from XXXX and the other is from XXXX XXXX XXXX according to my credit report and were both for in the amount of {$310.00}. I have never opened these accounts and have told AdAstra that my accounts were compromised during that time. I had previously had some ATM theft so i filed a police report on XXXX when I noticed my identity had been stolen. XXXX XXXX documented the identity theft and then i filed a statement with them on XX/XX/17. After all the tourment I assumed it was over, Untill 5 months later as ADASTRA had told me that XXXX and XXXX had reported this 6 months after. I have mailed in the requested documents and 11 months later this is still open. {$310.00} is not even a large number, im just not willing to pay for it if i didn't open these accounts. I really do not understand why I have to suffer with a lower credit score when these are completely fraud deposits to someone using my identity. The only thing they could verify with me was that the user had used my mothers maiden name. Completely not fair when i hope you know someones moms maiden name when they just stole all your information.
Product: Credit reporting or other personal consumer reports

I'm submitting a CFPB complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. I'm submitting this CFPB Complaint to follow up on my previous complaint and demanding that the Credit Reporting Agencies remove the disputed items immediately before I'm forced to take legal action. Remove the following items completely from my Credit File. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Please assist me remove the items which are fraud : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Equifax to dispute inaccurate inquiries on my credit report on XX/XX/2021. I have yet to receive a response from both credit agencies.
Product: Money transfer, virtual currency, or money service

On XXXX at XXXX I received a call from a navy fed number ( XXXX ) XXXX, on this call the guy on the other line was pretending to be a navy fed representative and I didn't know he was a scammer. He proceeded to tell me there was fraud activity in my account. and he said he can fix it as long as i provide some information first to verify that I was the owner of the account. He asked for my savings account number. Later that call he told me there was a loan applied for under my name. A personal loan for XXXX dollars. He then continued to try to resolve this problem in my account when in reality he was taking this money from me. He continued to tell me that I had to transfer the money from my account to XXXX  XXXX  so i can pay off this loan and I believed him. so, I was following his steps transferring the money to my XXXX XXXX. once the money was in my XXXX XXXX he then told me to send it back to a navy fed account he gave me the account tag and everything. after that is wasn't working because the payment was to much he then told me to transfer XXXX of the XXXX to XXXX XXXX to then transfer that XXXX XXXX to the same account which worked then he said he'll call me the next day to finish paying back this loan. On XXXX at around XXXX he called again to finish paying this loan back and we went through the same steps as the day prior but with the remaining XXXX  dollars of the XXXX loans. Then he said that there was another loan pulled out for XXXX under my name and that I needed to pay that back at this point I was getting suspicious and he said we can finish it the next day. When I went into work I explained what was going on to my chain of command and they told me I need to go to the branch and talk to them in person. and when I did so they told me it was a scammer calling me all along. Navy fed started their own investigation and as of today XXXX they said that they found no fraud on my account and I am now held liable for this XXXX loan even though I lost all the funds due to extortion and fraud on my account. I never signed for a digital loan I just got extorted to believe I was fixing the problem when I was just making it worst.
Product: Credit card

Opened card in XXXX  of this year with CITI. XXXX XXXX branded card. Have paid all bills in advance each month open. XXXX Valid checking accounts, both fully linked via XXXX service provider. Citi indicates these are not verified ( even though they have received and processed payments from both ). 

I tried calling Citi when out of country, they refused to do anything and fraud department was XXXX minute wait at {$0.00} cents a minute, no thank you. 

Citi has begun randomly declining purchases and even though I have made the signup bonus threshold amount many times over, are likely going to try to weasel out of the bonus miles/points. 

Citi refuses to close the account without me reading some number off a US Mailed letter and will not let me use the card until then, I am not home yet. They refuse to verify via text, via secure messages, via chat, only voice, and refuse to close the account. 

Citi is so far, the hardest and worst bank I have dealt with, having worked with XXXX, Amex, XXXX, and numerous others, who far surpass Citi 's ability to service their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO AN ACCOUNT THAT DOES NOT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED/DELETED, A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Deposited settlement check from former employer for approximately {$40000.00} a large amount so not unexpectedly a hold of 3 days was placed. On day funds were to be avail ( today ) I get a new email saying five more days ate needed. I called and told Chase Bank could not confirm check hence an additional hold. I asked if anything I can do, like contact the company who signed the check a, which is Fortune 500 company, and therefore shouldnt be hard to validate check. I wonder if hold is due to my XXXX? I have been a member of Chase for at least 2 years and NOT A New Customers. Why the hold up and changing reasons??? Is Chase not comfortable with an XXXX XXXX trying to deposit their hard earned paychecks!!!! Im upset!! ( Told section that has hold is operating loss prevention is this where XXXX XXXX  deposits are held??? Cant be legal!!! And
Product: Credit card

Consistently, I've made sure payments on this account are always on time, never allowing them to become overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Mortgage

My mother passed on XX/XX/XXXX this year. She originally had her mortgage with XXXX XXXX XXXX. I had issues getting confirmed as successor in interest, and opened a CFPB complaint # XXXX. In XXXX 's response to the complaint I was XXXX  records indicate that on or around XX/XX/XXXX, Mr. XXXX was added as the Successor in Interest to the Loan originated by his mother, XXXX XXXX ( Ms. XXXX ). After this pocess, I started to work on assuming the loan and bring it current with XXXX XXXX during XX/XX/XXXX, I found out they had sold the loan to Carrington Mortgage Services LLC in XXXX. I received a welcome packet on XX/XX/XXXX requesting documents to prove I'm the successor in interest. Carrington is claiming they did not receive any paperwork from XXXX XXXX XXXX showing I was approved as the successor in interest. I don't believe it is on me to AGAIN prove I'm the Successor in interest on this account. After many calls to Carrington, they still won't provide the opportunity to assume my mother 's loan or bring it current with a payment.
Product: Consumer Loan

Got an email from " Ace Cash Express '' with a telephone number in Texas. Said I was approved for XXXX-XXXX with payments of XXXX/month for 36 months on XXXX. I have to retain an attorney which is why I wanted the amount. They told me that due to a low credit score, I needed to send XXXX via an apple ITunes gift card. As I need this loan I did. Then I hade to pay a {$240.00} application fee. Then another {$230.00} for " state of TX tax ''. Now they claim I bought the wrong card so they wo n't release my loan. I 'm out {$670.00}! Called from XXXX email is XXXXXXXXXXXX