23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

We need to know under what laws did Wells Fargo acted on to demand copies of our US a and IXXXX XXXX. Wells Fargo does not reply in good faith and only submit nonesense pre prepared templates when responding to legal questions.
Product: Credit reporting or other personal consumer reports

My information with Equifax has been breached. Here is the proof. 

XXXX XXXX XXXX XXXX account ending in XXXX Receivable XXXX XXXX XXXX account ending in XXXX Inquiries- All XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on credit report XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Formal Complaint Against Experian for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$0.00} Despite providing evidence that the charge off account is incorrect, Experian has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against Experian for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for Experian 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX. XXXX : XXXX
Product: Credit reporting or other personal consumer reports

there are XXXX fraudulent accounts on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX i did not open these accounts, these accounts were open woth out my knowledge, XXXX XXXX XXXX for XXXX this is not my acocunt this was open with out my knowledge and XXXX has had a severe data breach, which was leaked on thr dark web was open up during the pandemic, my information was used with out my knowledge and this account is fraudulent, i want this account removed off my credit report, i did not open this account period rhey are failing to see how much information i have reported XXXX XXXX XXXX for XXXX this account was open during the pandemic, my information was leaked because of data breach caused by XXXX and XXXX XXXX please remove this account it is fraudulent this account is not mine these XXXX accounts were oprn with out my permission, these XXXX accounts were open fraudulently, i do not recognize abt of these XXXX accounts plesse remove
Product: Credit reporting

In setting up a fraud recovery plan with the FTC XXXX of the steps is to request a free credit report. I did this at XXXX. After filling in the required information, I requested the free report. A message was displayed that a free report had been issued on XXXX XXXX, 2016. I did not request that report on XXXX XXXX, 2016 or on any date in the past. My complaint is that I did not request this report but it was given to someone using my identity.
Product: Debt collection

I was only 8 days overdue for my payment. I was initialy called at XXXX on Friday, XXXX XXXX, 2016. Woman collector, I informed her I had some unexpected financial issues and I would pay as soon as I could. She ignored my information and she argued with me over harassment laws ; not the subject of the collection. Also on Friday, XXXX XXXX, the Citibank automated service started calling at XXXX ( immediately after human collector call ), XXXX, XXXX, XXXX, all were hang up calls except for XXXX when the automated service left a voicemail message for me to call Citibank immediately. Saturday, XXXX XXXX, 2016, the automated service called and hung up again. That is six ( XXXX ) calls within a XXXX hour period. I know they are all from Citibank as the same phone number and location come up on my caller id.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Improper Reinvestigation and Continued Reporting of Inaccurate Information Complaint Summary : I am submitting this complaint against TransUnion for their failure to conduct a proper reinvestigation of an account that has been previously dismissed by the courts. Despite my disputes, TransUnion continues to verify and report inaccurate information on my credit file without providing any proof of their verification methods. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : The disputed account is [ XXXX XXXX XXXX XXXX # XXXX TransUnion has continuously reported this account inaccurately, listing it as a charged-off account despite prior legal dismissal. 
I have previously disputed this account, yet TransUnion claims to have verified it without providing any evidence of their verification process. 
FCRA Violations : Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), TransUnion is required to provide me with a description of the procedure they used to determine the accuracy of the disputed information. They have failed to do so. 

Additionally, per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of consumer information. By continuing to report this account inaccurately, they are in violation of this requirement. 

Relief Requested : I demand that TransUnion provide a detailed explanation of how they verified this account, including documentation supporting their findings. 
If they are unable to prove the accuracy of their reporting, I demand the immediate deletion of this account from my credit file. 
If TransUnion does not comply, I will explore all available legal options, including filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n. 
Please investigate this matter and ensure that TransUnion is held accountable for their failure to properly reinvestigate and correct inaccurate reporting. 

Thank you for your time and assistance.
Product: Debt collection

I received a letter from Helvey & Associates , Inc. for an alleged debt that I do not owe. When I called Helvey & Associates they were rude and hostile towards me in flagrant violation of the Fair Debt Collections Practices Act. I do not want any further communication from Helvey & Associates in any form. I do not owe them any alleged debt. They have flagrantly violated the Fair Debt Collections Practices Act with their abusive and hostile debt collection practices.
Product: Mortgage

I refinanced XXXX of last year and my loan was transfered to NewRez LLC. NewRez LLC is a part of ShellPoint Mortgage. The loan refinanced is a conventional loan. I have over 20 percent equity at time of refinance and closing. I do not pay any PMI. My taxes were escrowed at the beginning of the loan. Per proper mortgage and lending practice my taxes and Homeowners Insurance do not require escrow on a conventional loan. The lender is predatory and has refused to remove escrow account and refund my escrow balance. NewRez informed me that there is a 24 month hold on my account to remove escrow. This is not standard practice and the lender is acting in bad faith. All of my mortgage payments have been on time with zero late payments. 

The NewRez lender has also made it difficult to refinance due to exorbitant fees to get out of the loan. The lender is predatory and has thousands of online complaints. I am seeking remedy in having them remove escrow account immediately and refund the balance. Please find predatory NewRez Fee Schedule attached. 
XXXX XXXX XXXX  The lender also plays malicious games when making payments online where they deliberately do not withdraw payments from your bank account at timely manner. I've had to call them repeatedly and email them to let them know I am on to them and for them to make sure they are debiting my payments to avoid any late fees. There are thousands of complaints online of NewRez deliberately not crediting payments to accounts. The lender also does not update credit bureau in a timely manner to show ontime payments. 

Below are URL 's of other Americans like myself complaining all over the internet about NewRez and ShellPoint predatory and bad business practices. The XXXX people need protection from predatory and criminal businesses like ShellPoint and NewRez. The usarey fees alone should set off alarms in addition to all of the other complaints I noted in complaint. 

https : XXXX https : //www.trustpilot.com/review/shellpointmtg.com
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I RECEIVED MY CREDIT REPORT.ON XX/XX/year> I SENT AND COPY OF MY BANK STATEMENT AND GOVERNMENT ID.SHOWING my NEW ADDRESS AND STATING THAT I ONLY WA

NT ONE ADDRESS ON PROFILE. YET YOU CAN NOT FOLLOW SIMPLE INSTRUCTIONS. REMOVE ALL OLD ADDRESSES, AND PHONE NUMBER, AND EMAIL ADDRESS AND JOB 'S. ONLY ONE ADDRESS AND YOU HAVE INACCURATE INFORM
ATION ON MY CREDIT REPORT. THAT'S A VIOLATION FALSE MISLEADING. THE ADDRESS U HAVE IS INACCURATE AND ITS CAUSING AN NON VERIFICATION LOCK ON MY ACCOUNT, WHEN I TRIED TO LOGIN IN OR VERIFY MYSELF.
Product: Debt collection

The medical problem for which I scheduled a Dr 's appointment was from a work injury ; hence workman 's comp should have covered this bill. Also, I was never given a chance to dispute this charge within 30 days. I treated very poorly at this hospital, and ended up having my coworker wheel me out in a wheelchair. I literally could not walk so to the extreme XXXX XXXX that I was experiencing, yet the Dr acted like I was some XXXX XXXX trying to get a Rx for narcotics. I felt like I was being judged/faking the injury. This was very embarrassing.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit card

I recently made a complaint against company for fraudulently accepting public debt is an obligation to The United Sates. Company refused to address violations. Company also send a letter to me stating there was an unauthorized person making a complaint through the CFPB and thats suspicious. Company has my information as its law for records to be kept 5 yr min. This is proof that I received companys letter. Company should now address violations and has been sent a cease and desist letter which includes no form of communication nor furnishing any information pertaining to me to anyone without not written consent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I stuck my check with payment coupon into the provided envelope and mailed it off as per usual to think utility services with address visible in window. 

check was debited from my account in the amount of {$150.00} on XX/XX/XXXX this year. this should have put utility account balance at about {$110.00} credit ie i won't owe them money for several months received notice through mail this past monday that they think I owe them {$41.00}. 

Provide computer printout of cashed check that indicate a bunch of alphanumeric jibberjabber in the endorse section on back. Bank of america is  the only thing that registers for me. 

think utility services says that their bank is XXXX and that they did not endorse that check today XX/XX/XXXX18 i go to a bank of america branch with the printout to try to find out who actually got the XXXX of my money. The branch manager says that he can not determine who got my money other than to say it appears to be some global account. Some bank of america processing facility or branch allowed an endorser to collect money that was not theirs as they are clearly not ' think utility services '. BofA recommend i file a fraud claim with my institution XXXX XXXX. 

not sure how my check made it to a bank of america from a postal standpoint or a check handling perspective but the manager not being able to tell me who in fact got my money is baffling. It is almost as if the fraud is embraced at the institutional level. Will i get my money back? I don't know, they don't care, but I'll certainly have to work for it if I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have XXXX, XXXX and Equifax remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XX/XX/XXXX and the end of XX/XX/XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously tried to resolve certain issues on my credit reports from all  XXXX  major credit reporting agencys. I have recently applied for credit and was denied. was not contacted at all by these  XXXX  agencys lettening me know there were possibly something negative in my reports and giving me a chance to respond or to investigate. The  XXXX  credit reporting agency 's just went ahead and gave the business inquiring into the credit the reports.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Account # XXXXXXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the rights 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed an FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer FICO ( Transunion ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at ( XXXX XXXX XXXX ) on XX/XX/XXXX under the ( XXXX account number ) and ( XXXX account number ). Transunion has DENIED my request to block the accounts ( Please see attached documents regarding denial ). These accounts have resulted in several fraudulent late payments appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # ( XXXX ) and # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Removal of Inaccurate and Unauthorized Hard Inquiries under FCRA Dear Experian Consumer Assistance, I am writing to address the ongoing issue of inaccurate and unauthorized hard inquiries listed on my credit report. As an affected consumer, I am requesting your immediate attention to this matter and the prompt removal of the following hard inquiries, which I believe to be the result of fraudulent activity : ||XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXX I must emphasize the urgency of this request, as these unauthorized hard inquiries have a detrimental effect on my creditworthiness and overall financial well-being. Furthermore, I have made significant efforts to contact Experian 's fraud department regarding this matter, but unfortunately, I have faced consistent obstacles that prevent me from obtaining assistance. 

I have documented evidence, including call records and timestamps, which clearly indicate my numerous attempts to reach Experian 's fraud department through the designated support number. Despite my persistence, each call was met with immediate disconnections and being hung up on, leaving me unable to address my concerns or seek resolution regarding the fraudulent hard inquiries. 

I find this repeated disregard for my attempts to rectify the situation deeply concerning. As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and valid information reflected in my credit report. Experian has an obligation to ensure the integrity and accuracy of the information it provides to consumers, as well as to promptly address any concerns raised regarding fraudulent activities. 

In light of these circumstances, I kindly request that Experian takes immediate action to investigate the unauthorized hard inquiries on my credit report, provide verification if any exists, and proceed with their removal as required by the FCRA. It is imperative that this matter be resolved swiftly to mitigate any further damage to my credit standing. 

Should Experian fail to address this matter promptly and adequately, I am prepared to escalate my complaint to the relevant regulatory authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I trust that it will not come to this, and that Experian will fulfill its obligations by conducting a thorough investigation and removing the fraudulent hard inquiries from my credit report without delay. 

Enclosed with this letter, you will find copies of the call records and timestamps as evidence of my attempts to reach your fraud department. I request that you review these materials in conjunction with my initial request for resolution. 

I appreciate your immediate attention to this matter and look forward to receiving written confirmation once the unauthorized hard inquiries have been removed from my credit report. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a written dispute to XXXX, Equifax Information Services, LLC on XX/XX/2024. Included in my dispute was a notarized cover letter, legible copies of my SOCIAL SECURITY CARD, DRIVERS LICENSE AND UTILITY BILL which include the same addresses. The credit reporting agency sent me mail requesting the same documents that Ive already submitted in my initial dispute. This delay has caused me damages and it is clearly a willful noncompliance on the part of the credit reporting agencies.
Product: Credit reporting, credit repair services, 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. 
XXXX  Account XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020 i had XXXX XXXX i called and requested Deferred payment but unfortunately call was directed to XXXX and spoke to a representative but unfortunately the request was never put through and when i came out the hospital after month and half, i found out i had late payments on my credit history i tried reaching citi bank send they letter expelling my situation did receive any correspondence from them called them again today but didn't get any help.these late payments are effecting my life i am getting hard time from XXXX because these late payments.