23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a notice that our account had been sent to collection. We asked for validation of the debt from the collection company and did not receive any response other than further attempts to collect the debt. We received a bill from XXXX but they had already reported it on my credit report. We did not agree with the balance so we asked for validation. We want details including an itemized bill, explanations, etc. We just don't agree that we owe. We had medicare at the time.
Product: Checking or savings account

I went to Wells Fargo XXXX XXXX in XXXX  to find out about XXXX accounts that were opened in my name. It took quite a few visits to many different banks to eventually find out that I had XXXX accounts in my name ; XXXX of these accounts were opened online on XX/XX/XXXX. Statements were not sent to me until they had to send out information due to the class action settlement which for some unidentified reason did not include me. I had sent in a form regarding the class action settlement however Wells Fargo claimed that they did not have the form and instead sent me through a mediation process which was completely false on XX/XX/XXXX. I now know of many more accounts made in my name through the Executive Offices of Wells Fargo. I want someone to be held legally responsible.
Product: Credit reporting or other personal consumer reports

XXXX is not reporting the correct information they have 3 different errors that they are sending the credit bureaus on my consumer report in experian they show closed no debt XXXX  they put a different date from XXXX  and it also still reporting an address that should not be on my consumer report XXXX XXXX XXXX i no long stay there
Product: Mortgage

I made my mortgage payment on XX/XX/year> on the PENNYMAC mobile app I used my my XXXX XXXX business account as the source of this payment and received a confirmation number XXXX. I have the funds available in the account and never received any notice that my payment was unsuccessful or returned. However, this morning XXXX Identity works sent me a notification that PennyMac reported my account was 30 days past due. I was taken aback by this information and it doesnt make sense. I asked them to make the correction and to process the payment immediately and update my credit to reflect that a system error caused the issue. The injury done to me and my credit history needs to be corrected, their payment processing system needs to be reviewed and a ticket must be submitted to technical support to see why the system issued me a confirmation number and notice that my payment was successfully processed if it wasnt. And why wasnt a notice mailed to me notifying me that my payment didnt proceed I provided my account with the available funds and authorized the payment
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for their failure to properly address my dispute regarding inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Equifax via USPS certified mail, tracking number : XXXX. In this letter, I detailed all inaccurate items and incorrect personal information listed on my credit report. To facilitate Equifaxs verification of my identity and address, I enclosed a copy of my photo ID, Social Security card, and a recent bill reflecting my current address. 
According to USPS tracking, the letter was delivered to Equifax on XX/XX/year>. Despite my detailed and clear request, I have not received any investigation results from Equifax. The XXXX response period mandated by the Fair Credit Reporting Act ( FCRA ) has now elapsed without any communication from them. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the FCRA.
Product: Checking or savings account

On XX/XX/XXXX I deposited my check via mobile deposit. The money was suppose to be made available over the weekend. It wasnt. When I tried calling the bank, the representative refused to do her job and made my life quite difficult. She said, your funds arent available. I stated they have already cleared the clearing house and should have been deposited. For over an hour she refused to answer basic questions. Then Sunday I messaged the bank again about my fund being withheld. They told me to wait until Monday. Its now Monday and my funds arent available. This is flat out theft and its not the only time Ive had issues with Axos Bank. This is a reoccurring issue and its insanity. They are also in violation of banking regulation 225, regarding releasing {$220.00} immediately when you deposit a check.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, I am entitled to dispute any information on my credit report that is inaccurate or unauthorized.

Upon reviewing my recent credit report, I identified the following inquiries that I did not authorize : XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX These inquiries were made without my consent, and as such, they are in violation of the FCRA. Per 15 U.S.C. 1681n, I am requesting the removal of these unauthorized inquiries from my credit report and compensation for the inconvenience and potential damage to my creditworthiness.

In addition to removing these unauthorized inquiries, I am requesting {$1000.00} for each inquiry as stipulated under 15 U.S.C. 1681o, which provides for damages in cases where the FCRA has been violated.

Please investigate this matter promptly and provide me with a written response detailing the actions you will take to rectify these issues. I request that you complete this investigation and remove the unauthorized inquiries from my credit report within 30 days from the date of this letter, as required by the FCRA.
Product: Debt collection

I hereby formally request the removal of this erroneous entry from my credit report. I did not authorize its establishment or utilization. Enclosed are the necessary documents to support my claim. 

I urge you to swiftly rectify this inconsistency on my credit report. I assert that this entry is not associated with me and have strong suspicions of its fraudulent nature.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding I want the CEDR +o nuhlich thic account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 

5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are some of the accounts : XXXX automated collections XXXX XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Ballon interest rates, deceptive lending, predatory lending, rush to sign, misinformation,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with Experian.
Product: Mortgage

I have been trying to refinance with XXXX XXXX  since XX/XX/XXXX. I found out that I have a lien on my property from XXXX XXXX XXXX from XX/XX/XXXX for a line of credit XXXX in which I owe XXXX dollars on. I have the property title report from XXXX XXXX  dated XX/XX/XXXX that shows GMAC Mortgage on title report. I also went to XXXX XXXX County recorder and pulled Deed of trust and assignment of rents to see if I had full reconveyance I did not. I also pulled credit report from all 3 agencies no judgments. GMAC Mortgage did not close out this account. Since XX/XX/XXXX GMAC no longer does business I have called Ally Bank which took over some of GMAC loans in which XXXX said I am not with them XXXX XXXX verified me by social security and property address. I also contacted OCWEN the debt collector that bought GMAC debt they also verified that I am not with them either. I also found California civil code 2941.7 statue of limitations it has been well over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the company XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and phone number XXXX did a **hard inquiry on my credit. This inquiry appears only on my Equifax report so far. That day I only authorized a *soft inquiry and was assured by XXXX XXXX XXXX XXXX XXXX ) it would be a *soft inquiry. 

The next day I received an email that a new **hard inquiry was done on me. I visited XXXX selling point again and talked to XXXX XXXX, who assured me it was just a *soft inquiry and to verify with Equifax free credit report again. A week later I checked the free report and it was a **hard inquiry, not *soft. 

I called and emailed XXXX and on XX/XX/XXXX XXXX XXXX called me back and assured me it was a mistake on their side, that I could file a dispute with Equifax and he will say that is was a mistake. I did 4 disputes on Equifax and called them on XX/XX/XXXX and they say they inquiry was done by XXXX and that it will stay in my credit report for 2 years. I asked Equifax if they contacted XXXX but they didn't told me. 

Equifax also told me to file a claim here on CFPB and email them the evidence of the claim with a cover letter, license copy, ss copy and they will review my disputes. I would very much appreciate your help please as the company XXXX is working to solve the issue but the credit company appears to not be having clear communication with them.
Product: Debt collection

I have an account for collection from a XXXX account that I'm not aware. I've been victim of id theft and several accounts have been opened in my name. I have a credit freeze since XX/XX/XXXX to avoid this situation, however, XXXX have been opening accounts in my name. This same account was deleted XX/XX/XXXX thru other collection agency.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to request the deletion of inaccurate and fraudulent accounts present on my consumer credit reports and to bring to your attention the failure of XXXX XXXX and XXXX XXXX XXXX to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent certified dispute letters to these companies requesting verification of these accounts, as per the Fair Credit Reporting Act ( FCRA ), and have obtained a certified receipt with a signature confirming their receipt of the letter. 

Despite my efforts to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, these companies never responded to me with the verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from this companies. 

As outlined in the FCRA, failure to provide documented and verifiable proof within the specified time frame obligates the removal of unverified, invalid, derogatory accounts and information from my consumer report. Despite the receipt of my dispute letter and the lapse of the XXXX period, XXXX XXXX and XXXX XXXX XXXX has neither provided the requested proof nor rectified the inaccuracies in the reported information. They didnt respond to me at all and therefore by law I'm demanding the deletion of these accounts on my credit report immediately. 

I formally request TransUnion to remove the disputed accounts XXXX XXXX and XXXX XXXX XXXX from my credit report, as per the provisions of the FCRA. The failure of these companies to validate the debt within the statutory timeframe signifies their non-compliance with federal regulations and warrants the removal of the disputed accounts. 

I have enclosed a copy of the certified dispute letters and certified receipts with the tracking number, date, and signature someone received it for your reference. I kindly request your prompt attention to this matter and the necessary action to remove these inaccurate and fraudulent accounts off my credit report. Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request the immediate blocking and deletion of certain accounts from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The account listed below is the result of unauthorized activity and should not appear on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX my score has dropped XXXX only points due to my credit card builder. And the balance is ONLY {$31.00} and {$62.00} doesnt mean take XXXX points off my score. My score right now is in the low 500s when I know it should be in the high 600s. And I work hard on it and would like all my XXXX points back at least to get me back in the 600s. And then the lady from XXXX XXXX her name was XXXX and she wasnt nice to me. She told me my student loans wont be removed until XX/XX/ 2022 and I find that not fair because its been over 7 years for many of my loans and in 2022 that means I will be waiting more then 10 years for my student loans to go away. I have tried everything from loan forgiveness to credit repair from disputing everything and these credit companies want me to wait more then 10 years. But I wont dispute anymore because that ruins my credit score too. I want a home I want a new car but I have to wait until 2022. I will be XXXX years old in 2022. I dont want to complain but I have to stand up for me and my children. These credit companies keep treating me poorly.
Product: Credit card or prepaid card

On XX/XX/2019 my card was charged {$740.00} by XXXX XXXX XXXX  XXXX, which I've learned is a dinner cruise service in XXXX. I'm assuming the person that made the charge gave my contact information. I absolutely did not make this purchase. I originally tried contacting the company last year and they said they'll send the police to the IP address that made the purchase. I was looking forward to this as I was thinking it would help my resolution, however if the police came, they did not come to my address. After this I tried contacting the company a few months later and they made a ticket for my case but I never received anything from them after either to my personal email or in terms of a phone call. I originally filed a dispute with my Chase Credit card but they ruled against my favor. They asked for proof that I did not make the transaction but obviously I can not provide proof that I did not do something in terms of going on a cruise and making the transaction. This year, I have subsequently filed another dispute, where they came back asking for proof again, to which I did not have any. This again got ruled against my favor. I also tried reaching out to the XXXX  company but since COVID-19 getting in touch with them has been very difficult. This includes very long hold times and at first, not even taking custom service requests over the phone. Thank you.
Product: Mortgage

XXXX XXXX, two years ago, caused 90 % damage to my home. My insurance company XXXX XXXX XXXX became insolvent. XXXX turned my case over to a new company XXXX XXXX. Also, they appointed an adjuster to estimate damages. After a year and a half ( in XXXX it will be two years ) XXXX started releasing funds to begin repairs. A check needed to be endorsed by my mortgage company, Mr.Cooper. They endorsed the check, and I began repairs. The funds were not sufficient to finish repairs, so a supplemental request was made and approved by XXXX and they sent the check and it needed to be endorsed by my mortgage company. They are holding and have been holding the check for since XXXX, we are in XXXX. Mr. Cooper said that they can not release the funds because they do not have the necessary documentation to do so. The adjuster for XXXX says that everything necessary for my mortgage company to release the funds is in the package that I sent to Mr. Cooper, my mortgage company. I have sent an overnight package, with a self-addressed envelope, receipts and fotos of completed repairs. They said it is not enough. I also, faxed the necessary documents by way of XXXX XXXX and still they will not release the check. Their website is not user friendly. I have asked them to please not require me to use their website because it is not user friendly. I have asked them to deal with me by mail and by fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a identity theft ftc report because I found inaccurate accounts on my credit report and nobody is helping me
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

My current mortgage is with Planet Home Lending ; for several months I have been attempting to get an IRRRL as I am struggling with my current mortgage payment and before it was due to increase, I wanted the refi to close. I had to borrow from my 401K as I was not current and was told had to be current to move forward and once I was current and they were processing, I would not have a payment for 2 months. I did so, on the XXXX of last month, they told me they couldn't close and now i had to pay that month and in two days the current month - again, I was struggling with the existing payment, my husband abandon me a year ago providing no support, and had to come up with {$2000.00}. Now i am 3 month behind, can not process a refi, can not borrow and they will not help me until i am current. I do not want to lose my home, i just want to refi for my payment to be more manageable for me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX
Product: Debt collection

A recording from Focus Receivables Management keeps calling saying that they are trying to collect a debt. Sometimes I pick up, but there is no real person to tell that they have the wrong number. I do not know if they are the same people calling my cell, but someone keeps calling my cell to collect a debt. Once I talked the the cell phone people and determined that it is a scam. However, they keep calling and harassing me. I manage all of my debts carefully and have checked my credit report. The debt is not mine or they are a scam. The number that they tell me to call for Focus Receivables is XXXX. The numbers calling my cellphone include XXXX. I block them each time, knowing they are a scam.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B This is a billing error. I always paid as agreed and on time. This is an error and this account is in violation - This is paid as agreed and should not be reporting negatively on my report. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a review and correction of inaccuracies on my credit report. I have identified the following items that I believe to be incorrect and am seeking assistance to correct them.
Product: Credit card or prepaid card

I am a XXXX and in XXXX and XXXX I continued to be reinfected with XXXX. XXXX created a massive health and financial struggle in my life. I would appreciate the account be removed from my credit report.
Product: Prepaid card

This is in regards to a missing direct deposit from my employer that was sent on XX/XX/XXXX in the amount of {$4700.00}. 
This direct deposit was never credited to my account. Furthermore, it was not rejected and returned to my employer. 
I have used the same routing number and account number since I opened the card in XXXX of XXXX. This can be verified by looking at my past direct deposits that I have received every two weeks from the same employer with no issues. 
After speaking with multiple representatives it has been determined that the routing number I have always used belongs to XXXX XXXX XXXX  When my account was first opened the prepaid card from netspend was issued through XXXX, which then became XXXX XXXX. At some point XXXX took over and they changed the routing number and modified the account number without my knowledge. 
My paychecks still came on time every two weeks with out delay with the old information. Again this can be confirmed by looking at my previous deposits. 
Unfortunately on Thursday XX/XX/XXXX my direct deposit never arrived. I have been told by my payroll department that it was sent and received without rejection. They have provided me with the trace number for this transaction, which is XXXX, however Netspend still claims they never received it. They also refuse to allow me to speak to a supervisor, always saying none are available. I need my paycheck either credited to my account or sent back to my employer. At this point theyve basically stolen {$4700.00}.