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

Equifax has not released my inquiry after it has been proven FRAUD. 

XXXX ( 2 ) inquires XX/XX/XXXX XX/XX/XXXX I have sent police report, FTC report and I have reached out to the company XXXX who have verified these ( 2 ) inquires are fraudulent. 

I have reached out to equifax to rectify this problem ( 6 ) different occasions. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX Equifax needs to block and delete these ( 2 ) fraudulent inquires ASAP! By law this is illegal and my next step is to take all parties in involved to small claims court. 

You have 30 days from today to rectify this issue, meaning delete both fraudulent inquires from credit report.
Product: Checking or savings account

I opened a cd with a term of 18 months. The bank renewed my cd without my knowledge or consent.
Product: Checking or savings account

On Thursday, XX/XX/year>, just XXXX days before my mothers funeral, Wells Fargo froze my account after I deposited several checks from family and friends. These funds were donations intended to help pay for my mothers final expenses. My mother, XXXX XXXX, passed away on XX/XX/XXXX, and her funeral was scheduled for XX/XX/XXXX. I was in the process of paying the remaining funeral costs when I was notified that my account had been frozen. 

Shortly after depositing the checks, I received a call from a Wells Fargo representative who was extremely rude and dismissive. The representative asked if I had a relationship with a banker and told me I should speak to them. I explained to her that my mother had passed away and I was in the middle of paying for her funeral. Despite this, the representative hung up on me, and I soon received emails indicating that all my accounts were frozen and were in the process of being terminated. 

I have been a loyal Wells Fargo customer for years, and this treatment, during such a difficult time, has left me deeply distraught. The funds in my account were crucial for covering my mothers final expenses, and the account freeze has added unnecessary stress to an already painful situation. 

I request an immediate review of my account and an explanation as to why it was frozen. I also request that Wells Fargo release the funds in my account so that I can fulfill my financial obligations. Furthermore, I would like to file a formal complaint regarding the unprofessional and insensitive behavior of the representative who contacted me. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

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

I am XXXX F I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Checking or savings account

Received a letter stating that one of my busIness accounts was being closed. When I called the bank they said that they did a review and decided that they decided to stop doing business with this entity. The problem is that this entity is a holding account and the the owner of another account ( and credit line ) with the same bank under the same group ID. They said that there was nobody to talk to, there were no notes, and there was not explanation- just that they decided that they didnt want our business any longer.
Product: Mortgage

In XXXX I took out a mortgage with XXXX XXXX Mortgage XXXX XXXX XXXX for the amount of {$350000.00}. I defaulted on my mortgage payments because I could not keep up with the increasing mortgage payments. On XX/XX/XXXX there was an assignment of mortgage filed with the XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX Mortgage XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me in the amount {$310000.00}, which is about {$400000.00} from the original mortgage 6 years earlier, when I had paid over {>= $1,000,000}. How is that possible? I also never received mortgage statements from XXXX Bank XXXX, instead I have been receiving mortgage statements from XXXX. I would like the opportunity to reach a settlement with the bank without my house being sold at an auction.
Product: Mortgage

I am currently in foreclosure with a selling date of about 3 weeks from todays date. I have been requesting assistance and multiple modifications from my lender who has been making it very difficult. From the beginning of the default I have provided all the documents requested multiple times, and have been denied several times. Causing our mortgage late payments and fees to become unobtainable and impossible to catch up. We still have not given up and have tried everything possible and requested assistance right away but have been unsuccessful. This has also caused a strain on the relationship and a divorce is currently pending, causing a deeper hardship. 

We have tried to refinance our loan but due to the foreclosure prematurely on our credit report and late payments it has caused banks and other services to look the other way. Currently our home is showing as sold in XX/XX/2019 as a Foreclosure this is false advertising and has caused realtors and attorneys to obtain our personal information and allowed soliciting at our homes front door. 

We have reached out to a home save company who turned out to be predatory lender who took payments from us and we later found out they had not contacted our servicer at all. 

We have filed bankruptcy chapter XXXX last year in XXXX, the case was dismissed in XXXX due to the escalation of the arrears payments, We could not afford both. Since then the foreclosure has been sped up after the dismissal.
Product: Student loan

I have received multiple calls and voicemails from XXXX XXXX concerning my payments. While I am behind, I am still making consistent payments of at least the minimum required monthly amount and typically more than the minimum to catch up on the loan. I have repeatedly asked the company to not contact me during my working hours which are typically XXXX to nearly XXXX XXXX. I continue to be harassed by calls during these times and have been questioned by my boss as to why I am answering my personal cell phone during work hours. Many of these calls are occurring during meetings and cause a disturbance if I happen to not have my phone on silent. XXXX XXXX records all calls and should have it documented that I have requested this and I have voicemails and documentation of the calls that I have received during business hours. 

They have also not offered any viable solution to help bring my account current or reduce interest rate/minimum monthly payments to help me afford the payments. A very predatory company overall
Product: Credit card

I made a payment and also enrolled in auto-pay so I would n't have any late payments or late payment fees. I heard Walmart had a habit of charging late fees. Since I enrolled in auto-pay and made a payment to stay current I was charged a late fee. I called them to inquire and they said they would removed the late fee. I just checked and the late fee was never removed. I again just scheduled another payment. I hope it 's credited to my account this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, XXXX, and TransUnion on XX/XX/XXXX asking them to verify these debts by contracts and signatures of mine I also sent them police reports they still haven't removed anything ( XXXXXXXX XXXX XXXX XXXX  ) {$1800.00} XXXX bankruptcy XXXX  XXXX XX/XX/XXXX, bankruptcy XXXX  XXXX XX/XX/XXXX, bankruptcy XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to all three credit Agency. And I request for this matter to be removed due to the fact I did not authorize it to be on my consumer report and the credit agency to refuse.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX shared information with unauthorized third party, Portfolio Recovery Associates XXXX 
XXXX XXXX, account charged off as of XX/XX/year>. Bank XXXX XXXX XXXX failed to provide an IRS Form XXXX. This is a direct violation of tax code as XXXX XXXX XXXXXXXX XXXX charged off account and received credit. 
XXXX XXXX XXXXXXXX XXXX is in violation of 15 U.S.C. 1681 ( FCRA Violations ) which covers improper credit reporting and unauthorized access to consumer data and 18 U.S.C. 1028 which covers identity theft and fraudulent use of personal information as a collection account was opened with out my authorization.
Product: Credit card or prepaid card

In XXXX of 2022 I paid my credit card bill in full in the approximate sum of {$1200.00}. When I received my XXXX bill the same amount appeared as past due and my card was declined. 
I investigated and discovered that the full payment was sent to the SAME BANK but to a defunct account and I advised the bank of same. In late XXXX I was informed that the amount in question would be put in dispute and the bank verified that the amount was put in dispute on XX/XX/XXXX so they could search their records and attempt to locate the payment. In addition, at their request, I forwarded proof of the electronic payment to their bank but the wrong account. TO DATE I HAVE NEVER RECEIVED THE DISPUTE PAPERS after asking FIVE times to have them sent and every month I am being charged interest on the disputed amount and my billing does NOT show any dispute at all. When I contact the bank, they actually RESIST in removing the interest charges even though they acknowledge that a 'dispute ' was set up on XX/XX/XXXX. I have now received THREE subsequent bills with the interest component and NO acknowledgment that the original amount has been placed in dispute nor any information regarding the misdirected payment. It is ILLEGAL to charge interest on a disputed item
Product: Credit reporting

We sent Experian a letter we will attach to this complaint politely asking them to look at several accounts they are reporting we question. They sent back a letter to us both saying our letter was " suspicious '' and they " determined it was not sent by us ''. 
This is an insult to our intelligence. We included copies of our drivers licenses, social security cards, and a bill copy showing our residence. 
Who else would want to fix mistakes on our credit reports but us?? We have written them before, and they know this, and they have written back. Are they now above the law and can make up an absurd excuse not to help people? This is the most absurd thing I have seen. Its absurd enough we keep writing clearly telling them things are wrong and they do nothing, but this is just beyond absurd. 
We demand they respond immediately and hope the CFPB sanctions and fines them for this treatment of consumes at their mercy!
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing careful research reading the FCRA laws XXXX, Equifax, and XXXX  are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX  in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each  credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX  credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The company is XXXX XXXX and vendor of the US Gov who's debit card is used to handle SSA checks. Three days and counting web site is down and no one is answering calls. My SSA checks due on 3rd and I have automated payments setup with card. Please help
Product: Credit reporting

I had the sate of Washington unemployment say I owed {$3300.00} in 2011 I sent them the paperwork proving I do n't. They sent me a paper stating I do not owe the money and it was up to me to get it off my credit report.
Product: Credit reporting or other personal consumer reports

I just got my credit report and was devastated to find that I had so many errors showing on my reports. This inaccurate information being reported is very frustrating and I need this corrected immediately. I currently work two jobs and need a new car, but can not get approved at an affordable rate. I can not rely on my current car for much longer and I need these inaccuracies fixed at once. This is not only affecting my ability to buy a car but has taken a significant toll on my XXXX  XXXX. I insist you remove any and all inaccuracies because it is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a rep at experian and XXXX about the following accounts listed on my report on XX/XX/2022. I filled out a FTC report but it has been over 30 days and they are still on my report. I looked into my credit file a little bit deeper and noticed that none of these accounts are even attached to any of my addresses on the report. I have become extremely frustrated and am not sure what to do at this point. I think my next step will be filing a complaint with the attorney general of my state, but I was told to first try and resolve these unverified reporting accounts with the CFPB. I am hoping this will help to clean up the information fraudulently showing on my report.
Product: Credit card

I am a victim of banking fraud. Someone duplicated my card and was able to drain my funds. I filed a honest clown with Wells Fargo and they refused to honestly investigate my claim, instead WF pointed the finger at me claiming I allowed whoever to charge on my act which is totally unacceptable. WF has a history of abusing its customers so obviously WF continues to have the same reputation. WF has taken all my money away from Me failed to honestly investigate my claim leaving me with no other option other then to move my direct deposit into another bank. WF has damaged my life and my credit. I hope someday WF will be happy to answer all its abuse to our creator who will judge. Wells Fargo thank you for telling me that XXXX. and the sky is green and grass is blue.
Product: Checking or savings account

RE : Complaint against Santander Bank on behalf of my deceased mothee, XXXX XXXX XXXX 's unclaimed property. 

I sent this email with attachments on XX/XX/XXXX, at XXXX XXXX to Santander Bank District Regional Manager, XXXX, XXXX, XXXX, MA Bank Manager, and XXXX XXXX, is the bank relationship customer service XXXX. with this information you can read in the email below as follows : Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, As you can see, I have attached the Voluntary Administration Statement for the Estate of XXXX XXXX XXXX, my mother, that died on XX/XX/XXXX, that clearly states I am the appointed Personal Representative Named in the Will and have the right to my mother 's property, official check, or money order number XXXX, that was issued to her on XX/XX/XXXX and has not been negotiated. I am requesting expedited resolution by Santander 's release of the hold and a new check made payable to the estate of XXXX XXXX XXXX. 

If I do not hear from you as soon as possible, I will contact the Massachusetts Consumer Finance Office for the way this has been poorly communicated with me and handled by your bank. It is incomprehensible to me that the District Regional Bank Manger, XXXX XXXX, that I emailed to put a critical case request in with her to expedite this matter so it does not have to go to Massachusetts unclaimed property on XX/XX/XXXX. 
Sincerely, XXXX XXXX XXXX, daughter/ executix, appointed in Last Will and Testament of XXXX XXXX XXXX XXXX estate.
Product: Checking or savings account

I have recently received a copy of my report from XXXX XXXX and XXXX XXXX. I wrote Bank of America a letter at XXXX, XXXX XXXX XXXX, XXXX , FL XXXX, explaining this incorrect information. I request for BOFA to dispute the following incorrect information showing on my report file. On The report copy I circled the items I dispute on the attached copy of my report I received from XXXX XXXX and XXXX XXXX. 

I have recently disputed this with XXXX XXXX and XXXX XXXX, this is inaccurate information reporting on my report! Im a victim of identity theft, I am requesting that these items be removed to correct this report information. 

Enclosed are copies of my Police Report, Federal Trade Commission on Identity Theft Report FTC Report Number XXXX, a copy of my current Identification Drivers license and other supporting documents. 

Please reinvestigate this matter by deleting and correcting the disputed items that are showing on my report as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company made duplicate accounts for me charging me for the same thing twice. I was unaware of this transaction on my account. 

PORTFOLIO RECOVERY Account was over 7 years old
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX Consumer Relations According to my recent credit report request from Experian.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & EXPERIAN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Experian XXXX XXXX Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am promised accuracy on my report based on federal law. I am writing this letter as another attempt to have these errors corrected in my consumer report under 15 USC 1681 all unverified information must be promptly removed. Due to your current coding system error, you can not verify this information and validate it as accurate, so I request that you remove it I was never late on the accounts listed below, please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my accounts. If you can not supply this, please delete the alleged late payments from my credit report. These are invalid late payments. The FCRA allows 30 days for this to be rectified. 

XXXX XXXX, XXXX