23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Final Demand for Removal of Inaccurate Information CFPB Case Reference Dear Experian Dispute Department, I am formally disputing multiple inaccurate and unverifiable items on my credit report, which remain despite previous disputes. The CFPB lawsuit against XXXX found that XXXX failed to properly investigate disputes and allowed incorrect information to persist, violating the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ). Given this legal precedent, I demand immediate action on the following be remove from my credit report as follows charge offs, auto repossession, collection account, and unauthorized hard inquires : As a consumer this the final notice under 15 U.S. Code 1681i, XXXX has 30 days to correct or remove these errors. Failure to comply will result in formal complaints to the CFPB, FTC, and potential legal action. I expect a written response confirming the removal or correction of these items. Thank you for your prompt attention and I hope you understand my frustration was a consumer working very hard to repair what was took away from me due to IDENTITY THEFT VICTIM. 

Sincerely, XXXX XXXX ( Enclosures : Credit report with disputed items highlighted, supporting documents if available )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a letter for all credit Bureaus to verify all the accounts on my credit report. I received a letter with all accounts verified as accurate from trans union. Once i reviewed my letter of all accounts being verified i notice an account XXXX XXXX XXXX  # XXXX they are not the original creditor And supposedly bought debt. I notice they are reporting a balance of {$1500.00} which it should show {$0.00}. Since transunion did not verified that account correctly but yet stated it was accurate i ask them to deleted it immediately they did not i reach out and they still did not.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting

I had a XXXX credit card that I was unable to make payments on, and it was charged off back in 2008. In XXXX of this year, I started receiving phone calls from XXXX XXXX, a debt purchaser. I contacted a lawyer, who informed me that the statute of limitations had expired and that I could no longer be sued or pursued for the outstanding balance. The phone calls continued, and they became more and more threatening ; and calls were also made to some of my family members. I again contacted the lawyer, and he decided to take my case and initiate an FDCPA suit against this company. During his research, however, he found that there had been numerous judgements against XXXX XXXX, but that they had never made restitution to the plaintiffs. And though he felt that he could win the case, he doubted that he could make any money off of the case and therefore decided not to pursue it any further. Around this time, XXXX XXXX reported a collection activity to TransUnion ; and my credit score was immediately affected. I disputed the item with TransUnion, but all they did was ask XXXX XXXX if it was valid and uphold the charge. I contacted the XXXX XXXX XXXX, but XXXX XXXX failed to respond to the query, so it was closed. ( I did receive a mocking voicemail from XXXX XXXX in response to the XXXX query, however. ) I am now filing a complaint with the CFPB in the hopes that you will recognize that this charge is outdated and that adding it to my credit report is nothing short of criminal. Transunion needs to be held accountable and pay closer attention to who they are accepting credit information from. Please look into and advise.
Product: Mortgage

in our hardship Nationstar has given us the run around, with Modify our Mortgage, which finally it was modify in XXXX we run into another hardship situation during the trail period of the the modification, After reviewing the information and seeking information, and in trying to apply for a state program Homesaver, I call Nationstar in XXXX to explain the Hardship first of all our service point of contact does not service at all, if I email she sent me to the customer service dept. XXXX XXXX at Nationstar, Emailing her since XXXX XXXX to present minimal response back and directing me to the customer service for information, the customer service had advise us that we quality for second modification to please fill out the application and send in with all necessary document which it was done and it was denied, In contacting XXXX XXXX she stated that we had modification twice already, Which that is wrong, That Nationstar mortgage stalled the modification which cause us to do the paperwork XXXX times is another thing. We were modify once in XXXX XXXX. I call the Making home affordable.gov for information which they provided with which is doing a tier XXXX under the original modification which a tier XXXX, for situation like ours I e-mail XXXX XXXX the information and she directed me to customer service dept, The dept was unaware of the information I provide them. I e-mailed XXXX XXXX 3 times and with other issue as fee being added, Like inspection fee and misc fee. This was XX/XX/XXXX, More than plenty time for us to do something We fail in our trailer due to unforeseen situation like I was unemployed and my husband was XXXX and our tenant did n't pay us the rent for 5 mos we had to evict them and take to court, My mother was diagnosed with XXXX. now we receive foreclosure document for XXXX XXXX the investor that does allow a homeowner to do a modification only every two year. I Also in XXXX I call requesting to make some type of payment and we were told that we could n't the period has passed that I need to do a modification or pay the entire amount we were behind. Still no soluation offer
Product: Credit reporting

I am filing this complaint because ChexSystems has demonstrated some seriously broken " investigative '' processes of consumer initiated disputes. ChexSystems does not follow a well articulated investigative process, but instead launch " re-investigations '' on their own accord without the consumers request, that yield differing results than prior investigations. They refuse to provide information to consumers that substantiate the outcome of their investigations. Sadly, Chex also adds inaccurate information to consumer files at the whim of their broken administrative processes. 

ChexSystems absolves themselves of any responsibility for the accuracy of information contained in their systems, but instead casts responsibility to their customers, and forces the consumer to address problems directly with ChexSystems customers, unless providing a police report. Unfortunately some police agencies do n't issue " police reports '' when a crime has not been clearly consummated. In some cases a consumer may want to guard against the release of accurate consumer information to prevent perpetuating additional fraud. 

Having gone through investigations with XXXX other Credit Reporting Agencies over the same set of fraudulent inquiries without a " police report '', ALL of the interactions with other Credit Reporting Agencies were consumer friendly, were well defined, were conducted in a professional manner without putting personal information at risk, did not require " re-investigations '', and resulted in the complete removal of all fraudulent and inaccurate information in my consumer file at their firms. 

Details of the interactions with ChexSystems are contained in the attached file. ChexSystems does not provide direct contact information to a consumer to consult directly with a ChexSystems employee. Every communication sent from ChexSystems is sent to the consumer anonymously.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report concerning 15 USC 1681c-2. I did not approve the hard inquiries listed, which are harming my credit standing. Please remove them promptly.
Product: Checking or savings account

On XX/XX/2018 My XXXX   XXXX Retirement of {$500.00} is always deposited. 
I have attempted for 4 months to Transfer All The Required Information from Wells Fargo and to a different bank!! BUT!! every month that deposit goes to Wells Fargo?? 
In XX/XX/2018 I went to the HQ offices and with one of the Ladies together we completed ANOTHER TRANSFER DEPOSIT and my Pension was By XXXX FORMAL Requirement was sent to a Different Bank. WRONG!! Some way Wells Fargo received the Deposit and on the 2nd day ( XX/XX/XXXX ) again the deposit disappeared????? That is the money I pay and have been paying for many months to XXXX XXXX apparently owned by Wells Fargo? This is More Fraud, Theft, Conspiracy.

These Attacks, Fraud, Theft, Conspiracy should result with ALL THESE PEOPLE in Federal Prison for 10 years!!
Product: Credit reporting or other personal consumer reports

This evening, I was shocked to find inaccurate accounts on my credit report, and I cant even begin to understand how this happened. I review my report regularly, but suddenly these discrepancies appeared out of nowhere. I thought maybe it was a browser glitch and refreshed, but nothing changed. Im extremely worried now and need assurance that the documents Ive submitted will be reviewed properly so I wont have to face this stress again.
Product: Credit reporting or other personal consumer reports

in accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX XXXX XXXX XXXX account XXXX : XXXX account name : XXXX XXXX XXXX XXXX XXXX : XXXX account name : XXXX XXXXXXXX XXXX XXXX XXXX account num : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section2. it also states a consumer reporting agency can not furnish a account without my written insturctions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States. no consumer reporting agency my make any consumer report containing any ot the following items of information Any other adverse item of informationother than records of convictions of crimes which anledates the report by more than seven years.

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 resonable cause to believe thatvthe information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever Since I paid off my personal loan, there seem to be like an unauthorized personal load after,, why would i want to open up another loan when i just paid it off. Once this loan has been open up again there seems to be so many issues, you guys are constantly billing me to pay it off this loan that wasn't made by me and also there numerous of unauthorized withdraw transaction and now my account is blocked and on hold and i can't even close it down. I want to close this account and take my money to go to a different bank because all you guys want me to do is to go broke. every pay check i get it go straight to you guys and i feel like you guys just want to take my money. I'm tired of this situation and i want my life back!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX & XXXX ), Account # 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
Product: Checking or savings account

My CD account with Merrill ( Bank of America ) has been a nightmare. I opened a CD account with Merrill on XX/XX/year>. When I checked my CD on XX/XX/year>, I noticed that the CD balance was going down every day. When I asked about this, the bank advisor told me " it's a penalty ''. I was confused because I had no plans to close my CD, but the penalty had already been charged. I realized that Merrill CD was a fraudulent account and I immediately closed my CD account on XX/XX/year>. When I called Merrill on XX/XX/year> because I hadn't received a check for a week, the lady who answered the phone threatened me " where did your money come from '' and " we need to investigate ''. Merrill withheld my money for at least a week until I contacted the bank 's top director. After receiving the check, I asked the bank 's senior management several times via email. ( 1 ) Is it legal for you to withhold customers ' money for an " investigation '' without any evidence after I closed my CD account? ( 2 ) Why did you use my money regardless of whether it was dirty money or not, and then withheld my money for investigation after I closed my CD account? I never got a reasonable answer. It is terrible for a bank to arbitrarily withhold customers ' money without any evidence after the account is closed. So, I suggest that we need to be very careful when depositing money with Merrill ( Bank of America ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I toured an apartment complex and paid a one time {$35.00} tour fee. I never selected an apartment with them, signed any kind of obligation to them, nor ever even verbally confirmed with them that I intended to move in to their complex. They checked my credit and said they could offer me an alternative deposit arrangement for an additional {$300.00} over their normal deposit due should I wish to sign with them. I told them over the phone I was undecided. Months later I got a collection company call saying I owed this complex {$300.00}. I explained this was either a mistake or fraud and described the above interactions. I immediately called the complex and spoke with a woman in the office and told her this was a mistake or worse and it needed to be corrected. I heard nothing back. I called again and left a message. Again no reply. A third call and another answering machine and no reply. I emailed the XXXX XXXX XXXX detailing my dispute. No reply. I then saw this showing up on my credit report and I disputed it there. No reply! Now today I see it STILL SHOWING on my credit report only now turned over to a collection company. There is absolutely no possible way this debt can ever have been verified because it simply does not exist. This is either a coding error or fraud on the part of the rental company.
Product: Debt collection

XXXX they are trying to collect XXXX from me and I do n't even know anything about these people. And I think this isunfair. I never had a contract with them.
Product: Credit card or prepaid card

I opened XXXX XXXX Rewards card and always having issue with their payment system so trying to close it but even after getting confirmation on closure getting charged some fee or other. 

Comenity doesn't respond to call or on message centre. 

Their website is flawed & inaccurate to charge correctly and help resolve the issue. frustrated if you try to close the account, they don't respond. agent hang up on you. 

surprisingly they still expect to stock with you. I don't understand this company. 

have already tried calling, emailing, responding via website message XXXX but no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX ( Original Creditor:XXXX XXXX XXXX A XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX ( Original CreditorXXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}
Product: Mortgage

We have been in our home for 12 years. Never did I not want to pay our payments but could not get anyone to take our money. Sounds funny but is true .We have been working with SLS for 2 years on a loan modification that is where I fill that the scam started. To date we still are in our house with no one willing to take our payments just day to day hopping we do not lose our house. No one can give me any answers Why can I not make a payment on my house and been told to do a modification for 2 years? We been told we are to fair behind and with penalties and fees we do not qualify now sounds like a Scam to get our house, .I feel sls never was going to to anything but try and take our house. No one will listen to me yelling about it I need help something is wrong here and it is not right.I can not even get a payoff from them
Product: Checking or savings account

On XX/XX/XXXX I was XXXX XXXX XXXX XXXXXXXX XXXX to get some much needed help. No personal items are allowed in the unit. NO cellphones or any devices are allowed. While there my Chime Financial Checking account was drained of {$3700.00}. I did not make these charges, I did not authorize them. I opened this checking account back in XX/XX/year> and funded it the first time on XX/XX/year>. So it's over 30 days old. I was released on XX/XX/XXXX. I seen that a hacker theif stole my money and made fraudulent charges on my account. I immediately contacted Chime Support and filed a disputed explained where I was and it was not possible for me to have made these charges. Six hours later I get a email from Chime saying my dispute is denied and my account would not be credited. I filed the rebuttal and sent my discharge paper proving it was not possible for me to have made the charges since I was admitted to a unit that dont allow personal items or any devices. Chime Support assured me that in fact I was eligible for a temporary provisional credit that would be placed in my account on or before XX/XX/XXXX. Once the bank sees a error was made they have 1 day to credit the account. It's been 2 days. I have a special needs kid, my husband died last year so it's only my income to support us. I explained that to Chime Support I'm going to be evicted if they wait until the XXXX of XXXX to place the credit in my account. Ive called them countless times in the past 2 days trying to get the credit expedited but they keep saying only the back office can do that and only Support can reach them via email. I have begged and pleaded with many different Support agents to get this resolved. Once I sent the evidence proving I was locked up and it could not have been me that made the charges that should have been the time my account was fixed. Well by the next day. That's proving a error was made and fraudulent charges are on my account. Also if a account is new that warrants the 20 days to have it resolved or the tempory credit applied. My account was funded on XX/XX/year> and this dispute was filed on XX/XX/year>. So that's a error as well, they have XXXX not XXXX. Since I proved the that my account was charged while I was locked up shouldnt that mean they have one day to credit my account? Is that not evidence of error? Please help me, Chime won't and I desperately need my money so me my kid are not evicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX   XXXX- XXXX 3. XXXX XXXX XXXX- XXXX 4. XXXX XXXX XXXX- XXXX 5.  XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided all the documents, I still can not get my address verified with them, or for them to send me my free annual report. Please work with me. See documents. Please confirm. My address is on the bank statement from XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Wells Fargo bank closed my personal line of credit without a clear reason. I called to ask Wells Fargo why they closed my account. They didn't give me the reason and just said they don't want me to be their customer after over 8 years with them. That affects on my credit score and credit history. 

Wells Fargo charge interest and fees without explanation.
Product: Mortgage

Over the past XXXX  Months, I have been dominated and mentally abused by XXXX XXXX and PHH Mortgage services causing great Emotional stress and Physical Well Being!! 

This company only employs foreign speaking customer service representatives and one can not understand verbally. 

I entered into a final forbearance on XX/XX/year> which the forbearance was to be put at rear of loan, I doubled and tripled this with representative, the company then held me responsible for payments at the ending of forbearance, I OBJECT, this can easily be checked by the voice recording of this conversation. The Company refuses to check this information. This is how I became late on payments!!!! 

During Final Loss Mitigation as filed with the XXXX XXXX XXXX in Maryland, the company states there was never a request by me or representative for Covid 19 relief!!

I OBJECT, this entire affair is from Covid-19 and documents attached prove same!!!! Please see Final Loss Statement attached.

The Company previously offered Modifications with bad information, communication ect., refusing to look at extreme hardships and refusing to allow me to speak with Omudsman!!

Please see attached After filing Complaint yet again XXXX XXXX and PHH has sent information to the CFPB, that this does not belong to them. Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # 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. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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