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

In XX/XX/XXXX I initiated a dispute with Experian in regards to a bankruptcy that is listed on my credit report. OnXX/XX/XXXX Experian responded that the information in regards to this bankruptcy was accurate. On XX/XX/XXXX I wrote a letter to Experian requesting what method of verification they used to determine their accuracy. On XX/XX/XXXX I received a response from Experian stating that I should refer to my personal credit report for the furnisher or public records office name, address and phone number. The only entity that was listed was the Bankruptcy court. On XX/XX/XXXX I sent a letter to Experian explaining that I talked to the clerk of courts and he informed me that the court does not provide information to the credit bureaus. I asked Experian once again for their method of verification. I received a response from Experian dated XX/XX/XXXX and once again I was not provided with their method of verification. According to FCRA I am entitled to a description of the procedure used to determine the accuracy and completeness of the information and be provided by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. NONE of this was provided after two separate requests. I have attached a correspondences.
Product: Checking or savings account

Wells Fargo has chosen to exercise their right to not do business with me, this includes my checking and WellsTrade IRA. In the process they've placed two restrictions on the IRA which keep me from selling the securities owned in the IRA and so I'm unable to get my funds. I've called several times since the middle of XXXX to get the restrictions temporarily lifted so I can execute these actions and each time I get the sake response about sending an email to temporarily lift the restrictions and to call back in 24 hours. However when I do call back they say the same thing about sending an email even when I explain that I was just told that previously and on numerous other occasions. One restriction was lifted at one point but because of the second restriction I was still unable to do anything with the account. However that temporarily lift expired XX/XX/XXXX. Bit then another representative told me the restrictions are only lifted for 24 hours at a time. So I'm also being told conflicting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

these two public record bankruptcy information is incorrect see attached XXXX LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

This concerns the Equifax account for both my wife and my CLOSED XXXX accounts. 

The Equifax account for XXXX XXXX has been altered from what the credit provider entered after the account was CLOSED. The account is now showing that our XXXX XXXX XXXX has missed payments, and instead of what was posted originally when XXXX was the last payment entry on the chart. At Present it is showing XX/XX/XXXX. This is a change from the original reporting. As well, it initially was showing XX/XX/XXXX as the first payment with the last payment XX/XX/XXXX. These later changes are now showing the account with 8 missing payments. With two being recent ( XXXX and XXXX XXXX The Equifax account for XXXX XXXX, the entire XXXX XXXX XXXX has been deleted. 

They were both reported as CLOSED with no missed payments. 

See screenshot of altered account attached ...
Product: Money transfer, virtual currency, or money service

XX/XX/year> : I initiated a domestic wire transfer of {$17000.00} from XXXX XXXX to my USD bank account on Revolut ( Virtual Bank ) which uses the XXXX XXXX XXXX. 

XX/XX/year> : Same day I received a confirmation that wire transfer is complete ( Reference number : XXXX ). 

XX/XX/year> : Transfer hasn't cleared my account. I reached out to a representative in XXXX XXXX asking them to provide a confirmation document. 

XX/XX/year> : After a second reminder I sent, I received the XXXX document with the relevant information. 

XX/XX/year> : I sent the XXXX to the receiving bank ( Revolut ) who responded with a Missing Inbound Transfer ( XXXX ) document. 

XX/XX/year> : I sent the XXXX document to XXXX XXXX on their online platform and called the support helpdesk asking about the transfer. They responded that the transfer is held at an intermediary bank for compliance. 

XX/XX/year> : I sent to XXXX to file an official compliant that they're using subpar intermediary banks for processing the wire transfers that hold the transfers for no obvious reasons. 

This is the second time this has happened, the first time I made an international wire transfer to the same bank, it was held for compliance for 33 days until it was returned back to sender with a deduction of {$50.00} ( Sent on XX/XX/year> returned to sender on XX/XX/year> ). The intermediary bank holding the transfer was XXXX, which is used by XXXX for processing the wire transfers. 

I believe it's being held for compliance because my name is XXXX which is clearly a XXXX discrimination act!
Product: Credit reporting or other personal consumer reports

I am filing an urgent matter that has yet to be resolved despite my numerous attempts. This is my fifteenth effort to address the issue of being denied access to my personal credit report by Equifax, who continue to withhold any details regarding my credit history. Enclosed, you will find additional documentation supporting my case, including copies of my personal identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately MIDLANDCRE XX/XX/XXXX Balance : {$440.00} {$440.00} XXXX XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$440.00}
Product: Debt collection

I ran a credit report on  X/XX/17  and saw I had a collection from Diversified Consultants for {$940.00}. I contacted that debt collector and was given information that there was an unpaid bill under my name for  XXXX . I was given an address that the account was under (  XXXX , Illinois ) I informed the Diversified Consultants that I have never lived in Illinois and they informed me to contact  XXXX . On the same day, I contacted  XXXX  and they were unable to verify how the account was opened. I spoke with a woman named  XXXX , who informed me to fill out a fraud report on their website and that would begin the investigation. Furthermore, I sent a certified letter to Diversified Consultants, asking for any written evidence that this account was opened in my name. On XX/XX/XXXX  I received a letter in the mail from Diversified Consultants stating that the name and address for the debt were verified and was sent a copy of an  XXXX  bill in the amount of {$1200.00}, addressed to my name, but an address in  XXXX , IL. On  XX/XX/XXXX , I filed a report with the FTC Identity Theft Center as well as an investigation to be completed through   XXXX   XXXX   and   XXXX   to remove this fraudulent activity from my credit report. On  X/X/17 , I will be filing a police report with my local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

XXXX XX/XX/year> From XXXX XXXX XXXXXXXX For XXXX and XXXX I went into the store to purchase a watch, the one that was in my budget was only online. They offered to ship it to me in Florida. After telling me I they don't want to ship it to me in Maryland. They did not want to provide the tracking of the shipment. I never received it. I received a call from the manager on a unknown number that was later traced back to the store. They told me they would help and solve it. They did not. I reached out to XXXX XXXXhey said only the shipper can file the claim for the watch. Come to find out they do not want to do that at all because they only insured it for {$1.00}. They have not given me a refund since I received nothing or even a replacement. M y bank had all of this information and did nothing to rectify this.
Product: Mortgage

My home suffered damage during the natural disaster, hurricane XXXX. The insurance company sent the repair check to my mortgage company, seterus, who refuses to discuss releasing the funds to me, for me to repair my home. Seterus representatives have also threaten me with foreclosure. I have roof and interior damage, that need to be repaired ASAP to avoid further damage from inclement weather and the possibility of mood developing. Seterus actions as a result of a natural disaster should be illegal and they should be investigated and charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked TransUnion, XXXX and XXXX, to please remove XXXX XXXX XXXX account, this is not my account and they will not remove it from my credit report. 
I have disputed this account for a year, with both TransUnion and XXXX XXXX XXXX account. XXXX XXXX XXXX, has been rude and threaten to file a public account ; I have had problems with XXXX XXXX XXXX in the past and it takes months if not years for the credit bureaus to remove items from my credit file.This XXXX XXXX XXXX company don't care that these reportings are hurting people. 
I have had Identity theft for over twenty years and have done everything I can to stay on top of checking my credit file .I have a special number to file my taxes from IRS because of identity theft. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle ( XXXX XXXX XXXX ) was repossessed XXXX XXXX Credit Acceptance Corporation ( Creditor ) continues to report to my credit reports as an open account. 

Vehicle was purchased for {$7300.00} in XXXX, AZ in XX/XX/XXXX. After interest and fees the overall cost of the vehicle was {$9600.00}. Credit Acceptance Corporation reported XX/XX/XXXX that my remaining balance is {$15000.00}. 

I have reached out numerous times via letters and phone calls and have received no answers or solutions to this problem. 

With the corruption that their prior CEO was just found guilty of and the millions of dollars in pay outs they were forced to pay, this is clearly a company that isnt trustworthy and will manipulate the public to achieve a financial goal. 

The account you are reporting is identified as a ''repossession, yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please immediately remove this account in its entirety from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following ITEMS from my file. 
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 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
Product: Mortgage

PHH Mortgage ServicesXXXX XXXX XXXX XXXX XXXX To whom it may concern, upon running title on XXXX XXXX XXXX XXXX XXXX XXXX XXXX it has been brought to my attention that XXXX XXXX XXXX PHH Mortgage Services has never had ownership or assignment of the current Mortgage or Note on this property in XXXX XXXXXXXX XXXX and has been collecting and servicing this loan. I also have ownership on this property, XXXX XXXX Attached is XXXX XXXX legal guardians ' authorization, title search, court ordered guardianship for children and authorization for me to discuss this issue with your legal department ASAP. XXXX XXXX. 
PHH / XXXX XXXX said in first complaint they did not have these items as well as numerous attempts to send these documents to them have been ignored. Trying to sell this mortgage, note could be considered fraud in concealment. Hopefully they can address this issue now.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unauthorized Hard Inquiry Dear Consumer Financial Protection Bureau, I am writing to bring your attention to an unauthorized hard inquiry on my XXXX credit report, dated XX/XX/year>, from CBNA/THD Bank . After researching, I understand this entity to be CitiBank North America, associated with The Home Depot. I did not authorize this inquiry and respectfully request its removal from my credit report. 

I have filed a complaint with the FTC, and the report number is XXXX. 

Thank you for your assistance in resolving this matter.
Product: Mortgage

I used the mortgage companies website ( uwm.loanadministration.com ) to pay my mortgage payment with my XXXX XXXX checking account on XX/XX/XXXX XXXX XXXX. The {$930.00} was debited from my checking account. According to United Wholesale Mortgage they never received my payment. The bank statements I can provide, show that the {$930.00} was never returned to my account. After over a year of going back and forth with both entities, UWM concluded an investigation that stated they never received the funds and were not liable. XXXX XXXX concluded similarly, even after providing UWM with an elusive " transaction number ''. I am left behind on payments, still to this day, due to my XX/XX/year> mortgage payment disappearing into the ether somehow. I spoke on the phone with UWM maybe XXXX times trying to figure this out, as well as provided both companies with the bank statements for the year showing that the {$930.00} was debited from my account XX/XX/year> and was never returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contatced DISCOVER Card a total of 15 times either by phone or mail since XX/XX/XXXX when the first DISCOVER Card account was open then in XX/XX/XXXX another DISCOVER Card account was opened. I have made numerous attempts to get this cleared up and removed from my XXXX credit report. Neither XXXX  or DISCOVER has tried to assist me or tell me what I need to do on my end to get this resolved. I keep receiving letters from DISCOVER staing they will not review. I feel like I am being singled out by a company that I have never dealt with my identity was stolen in XX/XX/XXXX. I have sent them a copy of my police report that didn't make a difference either.
Product: Credit card

My family have been experiencing hardship this past year. I have previously applied for credit protection for this reason. I have been able to access my credit protection as the credit card company continues to charge me late payments and fails to communicate with me to resolve this issue. I reached out several times and spoke to a few people resulting in no resolution. I have submitted proof of acceptance into a work-search program months ago for which I am still in the program. I also stopped receiving unemployment benefits in XXXX. I emailed proof of last payment by sending my personal account information displaying the last payment date. They have not responded. This has been going on too long and they seem to be intentionally destroying my credit with bad business practices.
Product: Student loan

I am  XXXX  and only sporadically employed.  Navient refuses t o give me a deferment, in spite of my inability to pay.   I am a   XXXX   XXXX   XXXX   recipient with very limited   XXXX   and not many job options outside of teaching are open to me.   I have notifi ed Navient that my cur rent adjunct teaching contracts for   XXXX   XXXX   through   XXXX   XXXX   XXXX     will provide me a gross annual income of {$17000.00}. I do not anticipate employment for the months of  XXXX ,  XXXX  and   XXXX   as there is no summer school, however, I will commence looking for full time work immediately upon the close of the spring semester at the end of  XXXX . I can not anticipate what work, if any, I will have after   XXXX   XXXX   XXXX    , so at this time, I anticipate my income for the year to be {$17000.00} or {$1400.00} per month.   In spite of thi s, Navient will not  grant me a deferment -- just before the time of year when I do not expect to be making any income at all.   They have proven very difficult to deal with, with different reps claiming that they need different documents at different times, claiming not to have received documents, or waiting unconscionably to respond ... usually insisting that other, new, documentation is needed.
Product: Mortgage

AAG continuing complaint, this company still owes us monies, AAG still owe us fees totalling, XXXX they said would be in a second check we've not received. .They are, XXXX for counciling, XXXX for closing quote fee, XXXX for repair fee for Carbon Monoxide detector. .which makes total XXXX dollars, which was supposed be sent to us XX/XX/XXXX XXXX. Response from AAG to send a second check number is, XXXX. We have on our own to contact them on numerous occasions, but to no avail..
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, EXETER FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

The Inquiry from XX/XX/year> from XXXX XXXX XXXX is fraud please remove this from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
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 15USC 1681. 

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 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 XXXXXXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than record 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 or other personal consumer reports

XX/XX/ I submitted a dispute an account that's on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. 
XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

I have been researching and looking up my rights as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and REMOVED on my credit file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX