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

This Credit Card XXXX name XXXX XXXX XXXX continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for XXXX XXXX XXXX XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with XXXX Credit Bureau and TransUnion in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

XXXX XXXX XXXX and XXXX have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, XXXX XXXX XXXX, and XXXX for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

XXXX has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's XXXX. 

They are in clear violation of the Federal Debt Collection Act under section See XXXX XXXX Code Chapter XXXX, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 the company was contacted by me regarding information I believe inaccurate and/or incorrect being reported on my credit reports. I asked the company to provide account level document regarding the account. I asked the company to provide proof of ownership of the account among many other items which can be seen clearly in the attached documents the company has failed to respond and failed to delete the information it is reporting as accurate.
Product: Bank account or service

I have a college account with chase and ever since I have had the account my experience has been horrible! My account has been stolen more then twice! even In a whole different state ( XXXX ). I went to XXXX for a few months over the XXXX and only used my travel account, When I came back I found out my account was hacked yet again. Someone has completely stolen my identity and chase is letting it happen! logging into my online banking and even more! I 'm extremely upset with chase. They have credited the money back to my account and waited a few weeks to tell me that they now have to take it back! what kind of mess is this?
Product: Mortgage

We've contacted roundpoint mortgage for over a year about removing our PMI. We've sent them forms and emails multiple times via the postal service and email and the refuse to help us and keep giving us excuses about why they can't remove PMI because they haven't gotten the forms or emails.
Product: Mortgage

I have been working with Wells Fargo for several years. I was approved for an unemployment program, and at the end of the unemployment program ended a few months ago, and Wells Fargo says the only option I have to save my home is to pay the loan current. How is this even possible? If I had the funds to bring the loan current, then I wouldn't have been late in the first place. I don't believe Wells Fargo has any intention of helping me, are jerking me around, and just lying to me. I'm supposed to have a " designated '' contact, however, they are never available and I'm always speaking with someone different. and every time I speak with someone different, I get different answers. Furthermore, they ask for a lot of information, which I provide very quickly. However, they keep losing my documentation, and keeps asking for the same stuff over and over again. Last, they claim that my financials don't qualify for additional help. However, they are basing my income off of the WRONG information. I keep trying to get them to correct it, but they REFUSE to help me. I appealed their decision, and the next day they sent me a letter denying my appeal. How does it take them several months to review something, and only 24 hours to deny an appeal!? They're telling me that my only options is to get foreclosed on, or sale my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been reporting in my credit for almost three years now I have been filing disputes with XXXX XXXX and XXXX with no success. I filed a dispute directly with the company in XXXX of 2022 showing them where I have lived in ga for over 5 years before during and after the date in question of when the account was opened. I reside in ga this account was opened in Virginia somewhere. They still would not take the account down and I have exhausted every option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am utterly frustrated to see that the Credit Bureaus have done nothing to remove the inquiries that were the result if the Theft of my Identity despite the countless written letters that I have been sending to the Credit Bureaus. It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

IRS deposited my stimulius check on XX/XX/20 it is now XX/XX/20 and it hasn't even showed up in my account. I have no way to get ahold of anyone and am left broke and relying on that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION REPORT. 

1.Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. 
XXXX XXXXPlease remove it from my credit report. 
2.the following account is not mine. 
XXXX XXXX ( original creditor : XXXX XXXX  ) Please remove it my credit report. 

3. The following account is inaccurate Delete from my credit report. 
XXXX XXXX ( original creditor : XXXX XXXX XXXX of ) Please remove it from my credit report. 

4..Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. XXXX : Please Delete it from my credit report 5.The following account is inaccurate : XXXX Please Delete it from my credit. 

6.The following account is inaccurate : XXXX XXXX Account number : Please Delete it from my account. 

7.The following account is inaccurate : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete it from my credit report. 

8.The following account is inaccurate : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete from my credit report. 

9.The following account is not mine : XXXX XXXX  : Please delete from my credit report. 

10.The following account is inaccurate : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Please delete from my credit report.
Product: Credit reporting or other personal consumer reports

CAUSE OF ACTION VIOLATION OF THE FAIR CREDIT REPORTING ACT XXXX. XXXX failed to maintain and follow reasonable procedures to ensure the accuracy of Plaintiffs credit report, violating 15 U.S.C. 1681e ( b ). 
XXXX. XXXX failed to properly investigate and prevent the reinsertion of inaccurate information, violating 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ). 

DAMAGES XXXX. As a result of XXXX actions, Plaintiff has suffered : a. Harm to their credit reputation and score. 
b. Emotional distress and frustration. 
c. Denial or unfavorable terms on credit applications.

RELIEF REQUESTED WHEREFORE, Plaintiff respectfully requests : 1. Actual damages in an amount to be determined at trial.

2. Statutory damages of up to {$1000.00} per willful violation under 15 U.S.C. 1681n.

3. Punitive damages for willful noncompliance.

4. Attorneys fees and costs.

5. Any further relief the Court deems just and proper.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.
Product: Credit reporting

Multiple attempts to get my Experian report online ( XXXX ) have failed in spite of entering accurate responses to their questions. This only happens with Experian. It should not be so difficult to get my report, they are making it intentionally difficult and do not provide adequate or timely methods to resolve report request related issues. It feels as though they intentionally provide contact info, phone numbers and online information geared toward subterfuge. Very frustrating. Thank you for your help and consideration.
Product: Mortgage

Hi my name is  XXXX   XXXX . I found some new information regarding my home and foreclosure process. In the  XXXX   Count  y Recorders Office I   noticed a RESCISSION OF NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST recorded on  XXXX   XXXX ,  XXXX  Book  XXXX  Page  XXXX . I dont know how Nationstar Mortgage , LLC  and  XXXX   XXXX , a  Law Corporation is   trying to proceed with the sale or even posting a Trustees Sale when I have not yet received a Notice of Default. How is it that they recorded a Rescission of Notice of  Default but put the property on sale without Notice of Default ?   I have some concerns with servicer trying to foreclose on my home. I have sale scheduled for  XXXX / XXXX / XXXX  after checking some online auction sites they say my sale is active foreclosure. Im worried that Nationstar Mortgage, LLC my servicer will proceed with my foreclosure sale even though I have mailed out a complete loan modification packet to them. Called them and they said im under loan modification review. I know that if they do proceed with the sale they will be in violation of the California Homeowners  Bill of Rights Act.
Product: Checking or savings account

I have transfers from card XXXX XXXX XXXX XXXX dollars i never had a card ending in XXXX ever my credit builder XXXX an check card XXXX only. Ones i had i want my money back along with with drawls that never happend an all these reaccurring XXXX cent atm fees
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the 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 : Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : 1. Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 an 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.
Product: Credit reporting or other personal consumer reports

Trans Union hasn't done any investigation and has hurt my credit file keeping me from purchasing a home, because if a low credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXXXXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Balance : {$100.00} ), XXXXXXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX XXXX XXXX Balance : {$2900.00} ), XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX XXXX  Credit limit : {$500.00} ), XXXXXXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX XXXX Balance : {$7900.00} ), XXXXXXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX XXXX Balance {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are involved in litigation I have not been supplied proof under the doctrine of estoppel by silenced, XXXX XXXX XXXX ( XXXX ) XXXX, I presume that no proof of the alleged debt, nor therefor any such debt, in fact exist. 

Account Name : XXXX XXXX Account Number:XXXXXXXX Account Name : XXXX Account Number:XXXX
Product: Credit reporting or other personal consumer reports

NOTICE AND DEMAND FOR UNAUTHORIZED INQUIRY ON XXXX SETTLEMENT OF CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transterred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on these without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore , I do not have an `` account '' as defined under 15 U.S.C. 1693 ( 2 ) for review or collection. 

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 
Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Best regards