23daVinci/CFPB_Complaints huggingface dataset:
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 : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY 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: Debt collection

On XX/XX/XXXX was the closing of my home with XXXX XXXX XXXXXXXX, it was then quickly sold to XXXX XXXX XXXX XXXX, one of many in a pooling. 
A request for validation of debt began in XX/XX/XXXX, unable to verify the debt, they began a foreclosure without ever proving ownership of said debt nor ownership of the original note. 
2 forensic analyses were performed, both found missing disclosures including the 3 day recsission disclosure. The forclosure case in state court was # XXXX. 
I transferred the case to Federal Court, as RESPA, TILA laws are ajudicated there. 
It is now in Florida XXXX XXXX XXXX, case # XXXX. 
XXXXXXXX XXXX XXXX is the plaintiff,2 recsissions have been sent, a reminder,2 demands for discovery, a follow up ... every single communication has been ignored by both XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX 
I will attach the forensics and the recsissions and demands. please see the federal dockets, various motions have been ignored as well, XXXX is in default and refuses to perform, but wants to drag me back to State Court..
Product: Credit reporting or other personal consumer reports

i checked my credit report recently and noticed a closed charged off account from XXXX XXXX XXXX XXXX {$21000.00} that i have no knowledge of opening or ever giving consent to be
Product: Vehicle loan or lease

After becoming very sick and hospitalized for several weeks, I missed a payment and fell behind. Soon as I was able I reached out and attempted to make arrangements to get caught up back in XX/XX/2020 to the best of my knowledge. I was told on a recorded line, that if I was able to arrange to pay at least {$410.00}, that my account can be arranged to show current and add the missing payment to the end of the loan, Even after I made my payment as agreed, Flagship Credit did not do what they promised. I remained behind even after making a payment as agreed. Denied without any explanation. 

Daily harassing phone calls multiple times a day starting before XXXX daily. I never got any communication ( email, phone call, letter in the mail ) of denial, NOTHING. When I asked, I was told " your request was denied ''. Nothing more. 

In XX/XX/2020, I received yet another round of harassing calls, one of  which from a self described account manager named only XXXX. XXXX again, made a payment agreement with me to pay {$410.00} in XXXX for XXXX payment and he would roll XXXX and XXXX payments to the end of the loan making my next payment due XX/XX/2020. Again, I kept my word, made payment as agreed and FLAGSHIP CREDIT, again, failed to do what they said. The daily calls before XXXX several times a day continued. I attempted to contact XXXX, but my calls went unanswered, until first thing this morning. XXXX calls. When asked why his agreement ( AGAIN ) was not kept. XXXX simply said,  " your request was denied ''. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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 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: Money transfer, virtual currency, or money service

It was on XX/XX/21 XXXX around XXXX or XXXX. My kid called me from his friend phone saying he got email saying he is doing wire transfer to the girls account XXXX. If hes not authorizing this, call this number. 
He didnt do it, so he called from his friend phone because his phone got hacked suddenly, and he couldnt use his phone and no one couldnt call him. He called Wells Fargo customer service to stop the transaction. Also, I called myself WellsFargo customer service and told them to stop the transaction but they told my kid they cant know if its him even though he gave his account number and social security number. Customer service told me they dont have authority to do anything but make an appointment next day on XX/XX/21 XXXX which I went. 
It was still pending on XXXX, but next morning money was gone not pending, but posted on top of XXXX dollar transaction fee. So XXXX we filed the complaint, but got denied after 10 business day. Then we escalated the case, but it got denied again. Now they re escalated higher levels or whatever. We called the fraud department asking to work with police provided her phone number police case ID and everything, but they didnt do anything but denied our case. 
I dont know why customer service doesnt have any authority to stop fraud transaction to begin with. We got email saying we are doing wire transfer, so we called they saying its not us, but they say they dont have any authority to do anything, then what is the point of customer service??? 

Also, around 2 weeks ago from XXXX, so mid to end of XXXX, he got email saying the girl tried to withdraw XXXX from his debit card, but couldnt withdraw because she didnt have correct password. So he went to branch to cancel his debit card, and request the new debit card. People at branch didnt close his account and opened new account which he should have. Instead, they said its ok as long as you get new card???? 

Customer service of Wells Fargo is beyond horrible. I cant even describe how terrible they are. 

If we didnt get money back, well find the lawyer and file a lawsuit. This is the money for my son college money. We need to get it back.
Product: Credit reporting or other personal consumer reports

I was put as an authorized user without my knowledge ( XXXX XXXX XXXX ). I had no contribution to the missed payment that was on the account, since then I have been removed as an authorized user.
Product: Mortgage

We sold our home on XX/XX/XXXX. Dovenmuehle confirmed a substantial escrow check that would be coming to us. We did not immediately 'change our address with Dovenmuehle ', which means that our check would be sent to the sold home, then forwarded to our new residence - long story, short, we've never received the original escrow check. On XX/XX/XXXX, I contacted Dovenmuehle, and proceeded with the change-of-address process, sending a signed copy by mail, AND submitting by scan/email back to their XXXX email address, as requested ( copy of change-of-address form and email, attached ). At the same time, Dovenmuehle was to send out a new escrow check. Two weeks later, I contacted Dovenmuehle to get an update on our change-of-address and disbursement of new check the representative apparently contacted their escrow department and confirmed that the change-of-address had been processed, and the new escrow check would be mailed-out sometime between XX/XX/XXXX and XX/XX/XXXX. I contacted Dovenmuehle on XX/XX/XXXX, and the representative placed me on hold to apparently contact the escrow department again, but upon her return, could/would not confirm whether or not the escrow check was actually, physically, mailed out in fact, she kept telling me that it would most likely be mailed-out the first or second week of XXXX, XXXX. When I asked to speak with a live supervisor or manager, she forwarded me to a voicemail. FYI, that as of XX/XX/XXXX ( 92 days after closing ), we have yet to receive the original, or replacement, escrow check.
Product: Debt collection

I agreed to a debt settlement with First Source for an outstanding amount due to XXXX. I was informed that my last payment of {$300.00} did not go through. I did not have a credit card on me at the time to resubmit the payment in. I called back with the credit card information and never heard back from the Company. I figured that took care of it because I never received written notice that there was anything wrong with the payment I called in. I even went onto the XXXX site and it showed the {$300.00} posted. That was why I did not think anything was wrong. I received a letter from a new collection agency, XXXX XXXX XXXX, stating that my debt was transferred over to them for the full amount. I called First Source and was told it was no longer in their files and to call XXXX. I went to call XXXX and was told to call the new collection agency for more information. The new collection agency was the one that informed me that the {$300.00} did not go through and now I owe the FULL amount. I was told they could not do anything about it and all they know is that the file is now with them to collect the entire amount. I called XXXX again and was told to call back to the collection agency, XXXX XXXX XXXX, since there was nothing they could do.
Product: Credit reporting or other personal consumer reports

I request a prompt review and removal of these unauthorized inquiries from my credit report. I have attached relevant documentation to assist in resolving this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I thought I received a XXXX XXXX at the time of signing the agreement, also my social security number was used, so that makes it a consumer credit transaction, I was deceived into thinking there was a debt.
Product: Payday loan, title loan, or personal loan

They are threatening me with legal action and I have no knowledge of this account. this is through a third party.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that this late payment account is inaccurately reported, which is adversely affecting my creditworthiness. The account is : XXXX XXXX  Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions. 

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions. The evidence must include color copies of my ID and Social Security Card used to open this account.

Moreover, in alignment with 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case. 

If you can not produce the necessary documents validating this account and these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately. 

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands. 

Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are medical debts from XXXX XXXX XXXX XXXX showing on all of my credit reports such as with XXXX XXXX, Equifax, and XXXX. This medical debt does not belong to me. I have tried in vain to get this corrected with the credit reporting agencies via proper disputes, but no appropriate action was taken. As per the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws it is in violation of my rights to have inaccurate and medical information appearing on my credit file such as debt that is alleged from a hospital. This is also, in violation of my medical privacy as per the XXXX XXXX XXXX XXXX as this debt is not mine and I have not given consent for any establishment to share medical data pertaining to me. Furthermore, this is a third-party collection that I have no contract or relationship with and is not obligated to them. I seek expeditious removal of these erroneous items from my credit reports.
Product: Credit card

I have several charges on my credit card I did not make. These transaction happened in the XXXX of XXXX. I call the credit card company and told them which charges were fraudulent charges made to my account. They are currently investigating the situations and I'm filing this as recommeded by every entity that has advise on this matter.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it
Product: Vehicle loan or lease

On XX/XX/2020 a check of {$4500.00} was delivered to there the State Farm Loan Mail a Payment or Payoff address as indicated on their website. 

https : //www.statefarm.com/finances/banking/loans/resources/loan-payment-methods Around XXXX XXXX, i called them to find out why the loan was still showing a balance. I tried to explain to the lady on the phone that i had a tracking # and the delivery confirmation update of the payoff. She didn't even bother to ask me some informations as to what was the tracking # or what was the address it was delivered to. The only support i got was being told that they didn't have the check. 

After insisting and trying to resolve this matter, she started to raised her voice and started to be rude. I told her that this was unacceptable, and I request to speak to a manager. But after being on hold for more than 20 minutes, I hang up.
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 Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please update or correct the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information was compromised by Equifax they confirmed this through their website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This was made public yesterday XX/XX/2017
Product: Credit reporting

The open collections notice was never received previously but all of a sudden appeared on my credit report. 
I have not received any letter or notification regarding this balance or account. 
This account is not familiar to me and I wish to find out if my social security number has been misused or subject to identity theft.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a loan on XXXX and received a locked LE. 
The estimated value at the time was $ XXXX. 

On XX/XX/XXXX, I was issued a new LE after the appraisal was received by Chase. This LE updated the estimated value to $ XXXX ; however, the fees remained the same. I was content with this LE. 

On XX/XX/XXXX, Chase issued me a new LE, The fees being charged to me changed by 0.25 % of the loan amount. 

I made several Inquiries to the processor, XXXX. He mentioned that the LO would call me. The LO never called me. 

I closed the loan anyways, but made several calls during the rescission period wanting answers. The only answer I was given is that the LE on XX/XX/XXXX was sent by mistake because the underwriter had not reviewed the appraisal. Once the underwriter reviewed the appraisal, they sent me an updated LE 9 days after the LE sent on XX/XX/XXXX.
Product: Credit card or prepaid card

The day I opened the credit card in either XXXX XXXX, XXXX XXXX XXXXXXXX XXXX I was XXXX and felt pressured. I wasnt told what the interest rate would be, only told to make the payment every month. I see a lot of unknown charges sometimes, and keeping up with the payments o XXXX to get charged a double interest rate. I have told Wells Fargo my story but they said their is nothing they can do since I was of legal age and signed the papers to obtain a credit card.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently respond within XXXX stating the account is accurate, without providing the any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure equal facts complies with federal laws and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion allowed 5 Unauthorized Credit Inquiries on my credit reports by : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and also by XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. 
I have written both companies twice on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. I provided them with a copy of the Police Reports to prove identity theft but they have n't removed anything.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received fake wiring instructions to have my client XXXX XXXX wire funds to a XXXX XXXX XXXX, XXXX XXXX. The wire directed my client to forward those funds to XXXX XXXX XXXX XXXX XXXX. I forwarded these instructions to my client who wired {$34000.00} to JP Morgan Chase with this name on the account and account number XXXX. This account was actually in the name of XXXX XXXX XXXX, not the XXXX XXXX name. Those funds went to the XXXX account instead of the Trustee and XXXX subsequently closed the account. JP Morgan Chase refuses to discuss the issue and I subpoened the deposit account information which I am attaching. They have no one to speak to and have stonewalled my requests to speak to their in house counsel. I have had to reimburse my client for the funds fraudulent stolen from him. The bank should never had deposited the funds in an account that did not match the name on the wiring instructions. They have refused to do anything about this.
Product: Credit reporting or other personal consumer reports

Experian closed 3 complaints without having addressed the problem which is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back and what's even more bizarre is the explanation for this in the attachment they explained they removed something from my account as relief YES YOU DID 19 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY
Product: Debt collection

This account recently appeared on my credit report, I sent them a debt validation letter on XX/XX/2021 as of today I have not received any documentation to prove these two debts are mine. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.