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

My name is XXXX XXXX, and I am writing this personal statement on my own behalf. After carefully reviewing my credit portfolios, it has occurred to me that my identity was at some point stolen. Various accounts were opened for financial gain and services. The listed accounts in this report I would like removed immediately. 

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

I had a two year contract and fullfilled this contract and went to a new company after it was up.I payed my cell phone bill for two years like the contract said.
Product: Debt collection

On XX/XX/XXXX, I received a collection notice from Lien Enforcement Inc. for Tow and Storage fees incurred in late XXXX on a car donated to a California charity in XXXX. I responded to the notice via certified mail that I was not liable for the debt and included a copy of the DMV release of liability dated in XXXX. The certified mailing was signed for on XX/XX/XXXX. 

On XX/XX/XXXX, I received a voicemail requesting that I contact Lien Enforcement Inc. On XX/XX/XXXX, I received a second voicemail from Lien Enforcement Inc the agent left the name XXXX XXXX XXXX I called back and had a conversation with XXXX XXXX. During this conversation I stated that I was not liable for the debt and had sent evidence of that via certified mail. During this conversation XXXX XXXX stated that I was liable because I had failed to provide a smog certificate as required under CA XXXX XXXX Section XXXX. This is a false statement as the vehicle was transferred to an entity exempt from the provisions of section XXXX as part of a charitable donation. He also stated that it was fortunate that this matter was not yet in court and that it " had not yet impacted my credit. '' He went on to state that he might be able to work with his boss to reduce the amount owed. He offered to send me documents in his possession that showed that I was liable for the debt. I agreed that he should send me these documents via certified mail to my home. I also stated that any further communication should be by mail only. I restated that I was not liable for the debt before hanging up. 

I appreciate any assistance in resolving this issue on a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX Balance Owed : {$7300.00} XXXX  XXXX Balance Owed : {$14000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research itemsI found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I had three credit cards with chase. I had financial hardship and couldnt keep up paying all three of my cards. One of my chase cards i fell behind on the payments and they closed that card. The other two cards were in good standing, no 30 day late payments on my credit reports, chase decided to close those cards as well. Before they closed those accounts, they lowered my credit limit which triggered my untilzation to go up and eventually they closed my account. Chase bank also charged me interest on all the closed accounts, they also are charge me late fees on the closed accounts that they closed. After chase closed my accounts this triggered XXXX XXXX not to issue me a new XXXX XXXX XXXX XXXX that was expiring because they saw the reporting of chase closing my accounts. My XXXX XXXX was in perfect standing as well by the way. Now my credit is gone and im left to pay credit cards that keep accumulating interest and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account as from XXXX. I had a lease for a motorcycle and at the end of the lease, the company, XXXX XXXX called and said its the end of your lease and you either pay the lump sum or turn the bike in. I opted to turn the bike in and they said the contract was closed and finished. 3 years later, XXXX XXXX who was bought by another entity now called Foursight Capital placed a collection on my report in XX/XX/XXXX as a collection. I contacted them and they told me one thing and I called back and spoke with another person and she came up with yes your contract was done and closed but because the bike wasn't brought to a certain location the considered my contract not fulfilled. No one ever notified or informed me of this for 3 years and all of a sudden they stick a collection on my credit 3 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a sofa in Massachusetts with the situation of paying the total off by cash by the end of 1 year, and thereby all the interest, etc excused. 
I paid my monthly fees, but then stopped received notices about the payments and lost track of the situation. 

About 1.5 - 2 years after the original purchase, I began receiving emails that looked like scam to me from TD retail card services. As I was worried about scam, I didn't open or respond to these. I have attached these. After multiple monthly notices, I called the # listed on the emails. I ended up speaking with multiple parties until they directed me to a furniture manufacturer somewhere in the XXXX. I didn't know what to make of that, but eventually after a few weeks, realized that it might be the original manufacturer of the sofa. I then recontacted TD retail and told them I would be happy to pay off what I originally owed, but that due to the above circumstances, the fees and interest should be removed. They refused. After continuing to receive these notices I made 2 further calls with the same offer - to pay off my original debt, but to excuse fees and services, and each time received a refusal. Recently, as I was purchasing an apartment in XXXX, I was informed by the mortgage company of my credit score, and they were unable to issue me a mortgage, but said they would if my score improved. I have never had issues with bad credit, am a XXXX, and pay all my bills.
Product: Money transfer, virtual currency, or money service

I wired XXXX XXXX ( XXXX XXXX XXXX  to a vendor 's account at XXXX XXXX from my small business account at Bank of America. I initiated the wire on XX/XX/year> and the Bank called me on XX/XX/year> to verbally confirm the wire. On XX/XX/year> XXXX debited {$8100.00} from my account. 

Almost XXXX month has passed and neither has my vendor been paid nor my money deposited back to my account. I have made multiple calls to the bank and two branch visits to clear the issue. I have given the Bank invoices to show the purpose of the wire ( vintage jewelry I routinely purchase from XXXX for resale ). Bank of America requires no further information from me, yet there is no movement on this transaction. 

Bank of America has no explanation for the delay or when the problem might get resolved. The international wire department at XXXX says the money is at the intermediary bank, which is Bank of America in XXXX. XXXX full month has passed and a case is open at XXXX to investigate but nothing has been done. 

Investigation Case ID at Bank of America is XXXX Transaction ID XXXX the account is under my business : XXXX XXXX XXXX XXXX XXXX XXXX Account Number is XXXX
Product: Mortgage

I am and have been in forebearance. I submitted a request to extend my forebearance to PHH Mortgage. They sent me an application for assistance so I filled it out and emailed it to them, along with scanned financial documents of my income. I emailed all of this to them on XX/XX/2021 but they never responded. So I resent the application for assistance and my scanned financial documents as proof of my income again on XX/XX/2021. I never heard back from them again. 

I received a generic form letter from XXXX XXXX on XX/XX/2021, but it was dated XX/XX/2021. It said that because they never received my information on my application for assistance and the due date is passed, they were going to discontinue processing my incomplete application. When I went online to XXXX XXXX or PHH there was no way to pull up this application for assistance. They made it impossible to submit the application on line so I had to fill it out and scan everything.
Product: Credit card or prepaid card

On XX/XX/XXXX my card was stolen and used fraudulently for the next week or so I contacted Cash App as soon as I noticed it was used the first transaction was a debit from ATM for XXXX then another charge at XXXX XXXX for XXXX then a bunch of charges later that didn't go through a few more did I told them my card was stolen and used with out permission they still did not cancel card right away then they did not return any of the money 's the card was used and tried a few more times before they finally. Cancelled card then they said there investigation was final that it was not used fraudulently but I'd they even investigated at all they would of seen neither incidents they where used by me they never returned any of the money I was inform that this is not the case that they should of return the money due to the protection of the federal banking system please help
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgage has stalled at every request. I have gone to     XXXX   XXXX   to refinance and get a loan on the equity on my home. I have been making automatic withdraw payments for over  three  years without fail.  XXXX  let me be late for two years without notifying me and wouldnt rectify it for my credit even though they were automatic payments. I fixed the late payment issue and continued to make on time payments for over a year. My mortgage guy at  XXXX  was on a conference call o n 4  different occasions with Nationstar representatives trying to get them to update my payment information for my credit report. They failed to do so for over a month. I contacted them today a t    XXXX   XXXX   with my  XXXX  rep, and they verbally responded that my payment information would be updated by  XXXX   XXXX . I did not agree with this and asked for a supervisor. We waited on the phone for ov er 15 minutes  longer and they assured me I would get a phone call in "  15 minutes ' ' by a supervisor. That never happened. This company is inept and I cant take it anymore. I am being punished because of thier incompetatant procedures.
Product: Checking or savings account

This CFPB 's Complaint refers to the prior CFPB Complaint # XXXX. 

Wells Fargo has NOT ADDRESSED this Consumer 's other Problematic Issues in the Prior Complaint with Wells Fargo 's Violations against Consumers, and the Legal Citations this Consumer had stated in the previous complaint. 

This second Wells Fargo letter was their Answer : was avoidance of this Banks BAD BUSINESS PRACTICES issues and the Consumer 's Legal Citations.. Refer to the [ ATTACHEMNT ] Wells Fargo makes mention to their Consumers of reporting their Refunds to the I.R.S.

do the injured Consumers to be prepared to possibly pay taxes on their court ordered Restitutions to their victims ; their Consumer s. 

It is the opinion of this Consumer is that WELLS FARGO IS QUILTY OF TAX AVAISON and the I.R.S.DOES NOT ACCEPT SXXXX COVER LETTERS FROM BUSINESS ENITYS. TO EXPLAIN THEIR MATH FIGURES. 

I.R.S.LOOKS AT THE MISSING ITIMIZED PAY STUB OF EACH OF THESE REFUNDS CHECKS THAT WAS MAILED OUT. 

REISSUE CHECKS SENT TO THIS CONSUMER.I am assured that by correcting Wells Fargo 's incompetency will defiantly cost OVER the additional amount of {$0.00} to compensate the Consumer for their time when the Consumers did not have these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have item on my credit report that I would like be verified, XXXX XXXX XXXX  Opened on XX/XX/XXXX {$790.00}, XXXX XXXX Opened on XX/XX/XXXX {$740.00}, XXXX XXXX Opened XX/XX/XXXX {$17000.00}, XXXX Opened XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX  XX/XX/XXXX {$230.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not Supplied proof under the doctrine of Estoppel by Silence Engelhardt V. Gravens ( mo ) 281SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

Chase refused to close my empty checking account and delete my personal data. I submitted two requests via secure message while logged into my account to accomplish these two tasks. Chase is demanding that I appear in person at a branch. I am asking you to instruct Chase to close my account and delete my personal data without any further action on my part. 

The reasons why it should be unnecessary to go to a branch to accomplish these two requests is because ( 1 ) I submitted the requests via Chase 's secure message system from which I am logged into my account, confirming my identity, ( 2 ) visiting a branch in person is arduous, and ( 3 ) I have previously been unable to accomplish a basic account update in person at a branch ( which was my reason for submitting the requests electronically ).

Regarding # 3 above : I visited the branch where I opened the account twice after the account was opened ( two months ago ) to resolve a problem with the account title. Both times I delivered proper paperwork to effect the change ( a certification of trust ), once on another bank 's form and once on Chase 's form. After receiving my next statement and realizing the branch never made the change, I reached out to Chase through secure message to have the change made, but was instructed to go to a branch. Having already been there twice with no resolution and unable to accomplish it electronically, I transferred the assets out of my account ( through Chase 's website ) and requested that the account be closed and my data deleted ( also through Chase 's website ). 

Visiting a branch is arduous and, as I learned trying to correct the account title, ineffective. Further, I have not been given any explanation why my physical body must be present in a branch to accomplish my requests. In the present electronic age I assume Chase would permit me to open an account via secure website connection. It should permit me to close an account that way too. 

The reason for me involving your agency is because I believe Chase is putting its minor business interests above the major impact its actions have on consumers. Chase could be motivated to keep my empty, " zombie '' account open for as long as possible to charge me a maintenance fee and/or retain my personal data for marketing purposes. But an open account affects my credit score, and retaining my personal data unnecessarily makes it available to hackers. ( The business and the consumer should be allied about the risk of data hacking in this instance, since failing to comply with my request to delete my data makes Chase liable for a future theft of my data from them. ) Please instruct Chase to comply with my repeated requests to close my account and delete my data. Thank you for your consideration. 

Attachment : Secure message exchanges
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX XXXX  - FHA Loan number XXXX XXXX XXXX social security number XXXX I am having a huge issue with XXXX XXXX mortgage company, they have been reporting to the Credit Bureau for almost two years even know I am in forberance due to COVID 19. I am trying to get back to make payments but I can not refinance, nor modify loans, my credit score is XXXX. 
I have tried to fix this directly with them throughout this time/numerous times with no luck. Everytime I call they add this information to their system, they have notes on my account but for some reason every month I been reported to the credit bureau. 

If someone can please have a serious talk to this company please. I need help I have XXXX kids can not take out loans for the forberance balance. I can not loose my house due to this issue. 

Regards, XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

They open accounts in my name I have tons of debit cards and inquiries on my credit report
Product: Credit reporting or other personal consumer reports

Never missed a payment until identity was stolen back in XXXX. I recieved 3 late payments after reporting my card lost or stolen. Company helped me regain access to my card by mailing in documents confirming my identity. Company reopened card and said they would get the late payments removed which they did not. ive asked the company to do this seven times within the last year and still no results
Product: Mortgage

Faxed in mod said bk???? have been faxing for a year who filed bk>>> need proof