23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( XXXX and Equifax ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. XXXX released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. XXXX DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. Equifax released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. Equifax then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with Equifax there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX Opened XX/XX/XXXX {$900.00} XXXXLast reported : XX/XX/XXXX {$3000.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX
Product: Debt collection

My husband went to our XXXX 3 times. 
Once was for a XXXX. XXXX. The XXXX went away on it 's own, and while XXXX paid for the XXXX and XXXX, they did not pay for the XXXX. My husband was not made aware of the fact that XXXX would not, or may not, pay fort he XXXX when the XXXX was taken. I believe this should have been done BEFORE the XXXX was taken. 
His second visit was because he had a XXXX. He paid the co-pay, XXXX, or so she thought. 
The third visit was because the XXXX. Most XXXX would have made the XXXX without additional cost, but this XXXX charged a co-pay AGAIN, which my husband paid. 
All of these visits and charges were posted onto MY account with the XXXX, not my husband 's. I do not know if the XXXX correctly submitted the XXXX to XXXX or not, since it is on my account rather than my husband 's. 
Now, there are XXXX collection notices on MY credit report. While I do not believe anything should be due at all, the XXXX collections are adversely effecting my credit. If there is any collection at all, it should certainly ONLY be XXXX issue.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  did not provide with me the proper 1099 c form there from under act 15. U.S.C 1692C this account must be deleted off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported hard inquiries that dont belong to me.
Product: Credit reporting or other personal consumer reports

I opened several disputes due to inaccurate reporting on my credit report with the creditor XXXX XXXX XXXX XXXX XXXX XXXX as well as XXXX, XXXX, Equifax. 

They never completed an investigation nor did the provide verification that the payment was late. 

I submitted bank statements and photocopies of the check that I paid them which was cashed well before the statement even closed in XXXX XXXX XXXX and was in excess of the entire statement balance. The check was cashed a few days after I sent it, but was not applied to my account for months. 

I sent the credit beuaurs letters via certified mail and included a copy of the bank statement, check, my drivers licenses and a health insurance bill showing proof of address. 

To that, the credit agencys sent back a letter stating that they would not open a dispute because they beliebe this was sent from someone other than me. 

I again sent it and they never replied, therefore under FCRA this item needs to be removed from my credit report as I was never late XXXX or XXXX days. The bank lost the check and took months to properly apply it to my account. 

Additionally, even at the time the check was found and applied to my account, it would not have been XXXX days late. 

Thanks,
Product: Mortgage

I tried to pay my mortgage online and was hit with these new terms and conditions regarding my online payments moving forward. I did not want to agree to these terms so I proceeding to skip this page and proceed with my payment. When I click " continue to next page '' it did not proceed to next page. I was blocked from making my mortgage payment unless I click the " agreed to terms '' box. I submitted 3 secure message emails to " Dovenmuehle Mortgage Inc '' who is servicing my mortgage, to please explain in detail including names, addresses, phone numbers, email address etc, who is " THE LENDER ''. I Indicated in my email, NO PHONE CALLS, please respond via email to my request. This company won't respond to my request by secure email. Please read terms below : PLEASE RETAIN THIS PAGE FOR YOUR RECORDS AUTHORIZATION AGREEMENT FOR A ONE-TIME DRAFT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX I ( we ) hereby authorize XXXX XXXX XXXX XXXX XXXX and its successors, assigns, authorized agents including Dovenmuehle Mortgage , Inc. or any entity servicing my loan on their behalf ( hereinafter called THE LENDER ) as I indicate on the next screen to initiate a mortgage payment debit to my ( our ) indicated Checking or Savings Account, and debit the depository named for the indicated account. 

I ( we ) understand that if any debit entries under this authorization are returned for insufficient funds or otherwise dishonored, I ( we ) will promptly send THE LENDER the total payment due, plus any late charge ( s ) or other fees due under my mortgage. 
I ( we ) authorize THE LENDER to electronically credit my ( our ) account if necessary, to correct erroneous debits. 
I ( we ) agree that ACH transactions I ( we ) authorize comply with federal law. 
I understand if my payment is returned by my bank, I may be charged a fee. 
This authorization is to remain in full force and effect until THE LENDER has received written notification from me ( us ) of its termination in such time and such manner as to afford THE LENDER a reasonable opportunity to act upon it. THE LENDER may terminate this agreement at any time, with written notice sent to me.
Product: Credit reporting or other personal consumer reports

My credit was accessed and I did not authorize all these inquiries, nor do I recognize them.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX  I filed a complaint with XXXX XXXX because I had so many problems with my XXXX  XXXX XXXX XXXX. Broken gas tank etc. car was in the shop for days and I felt l could not rely on the car. 

I called in XX/XX/XXXXXXXX  to check on the complaint and I had to file all over again because XXXX " Lost '' my complaint. 

I deferred my payment to XXXX, later they clain they couldn't find the deferment and penalized my credit XXXX points. 

Bottom line is that this car lease and car have been returned and satisfied to XXXX XXXX. 

They penalized my credit again- and I have no idea why? I did not give anyone permission to run my credit. 

I want XXXX to fix this issue and remove it from my credit. Everything has been paid. 

I don't have they car XXXX does.
Product: Credit card

Chime closed an account that I had with them due to inactivity. The credit card that I had with them was closed. At the time the amount on the card was over XXXX. The account was closed some times ago. Over a year. I never received funds from that card. I asked about the funds and chime promised to send me a check. I received the checks ( two of them ) to my disappointment the check did not equal {$12.00} in total. One check was for XXXX and some change and another for XXXX and some change. The amount that was in my card at the time they closed my account is still unaccounted for.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Back in XX/XX/XXXX I settled an account with Wells Fargo. It was a closed account on XX/XX/XXXX. It was a student credit card that I settled the debt amount and it still shows as a closed account on my credit report and has been negatively impacting my credit report. I am about to graduate college and it has been preventing me from building my credit score back up. I already called their offices but they refuse to release it off my credit report. Please help get this off my report, thank you.
Product: Credit reporting or other personal consumer reports

I have several unauthorized hard inquiries on my credit report from XXXX that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.
Product: Checking or savings account

Chime closed my account after I replied multiple times to there emails stating to reply in 5 days with all the verification I could possibly get and after a month of going back and fourth they closed my account anyways and said my verification didnt safice and after telling them that I had a reversal XXXX from my county treasurer from my property taxes that was reversed onto the closed chime card on XX/XX/XXXX I still havent been able to talk to anyone regarding where my money and I call the treasury office everyday and they even reached out to chime in regards to stoping or getting the funds back because right now there is {$2000.00} floating around I dont have it, The treasury sent it back to my chime card and they can not get information from chime either regarding it. Its been so stressful knowing that I had a blessing coming of that XXXX back but I cant even get it or talk to anyone about it. Please I just want my money swang back to the treasury so I can get it before XXXX that would be great.
Product: Checking or savings account

I had a charge of XXXX taken out my account via " XXXX  XXXX  '' I filed a complaint with chime, they ask me to call tmobile on 3 way, tmobile has no record of any transactions with my card, the results came back and I was declined because there " investigation " showed that I made a payment to tmobile for XXXX $ in XXXX, this was an inadequate investigation pulling up my transactions history don't Mean this charge was authorized, further more I didn't make any payments to tmobile in XXXX. I opened a second claim stating that, and it was declined again. Hence tmobile has no record of any transactions at all.
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Dear Exter Finance LLC Customer Service Team, I hope this letter finds you well. I am writing to you as a loyal customer of Exter finance to address a recent late payment on my account and to kindly request your understanding and goodwill assistance.

I have been a satisfied customer of Exeter finance for 2 years and have always appreciated the convenience and reliability of your financial services. However, I must admit that I experienced an unexpected financial setback recently, which resulted in a late payment I fully understand the importance of making payments on time and take full responsibility for the delay in this instance. I want to assure you that this is not representative of my typical financial behavior, and I am committed to maintaining a positive payment history with Exeter finance I kindly request your consideration for goodwill assistance regarding the late payment. I am hopeful that you can help by : Removing the late payment notation from my credit report. I am going through a HCA Loan Process Ive lost over XXXX points due to the credit hit I was advised not to use my last extensions by customer service representative I have a new job position I have been out of work for months and have a 10 Month old baby. I communicated efficiently to tell my situations and made payments by borrowing from family and friends until I receive my first check I currently have XXXX  and will be returning to work with sickness just to catch up on bills Im begging please if anything can we correct my account to current for XXXX I made the payments as instructed II believe that a gesture of goodwill in this situation would demonstrate your understanding of my unique circumstances and your commitment to customer satisfaction. 

I appreciate your attention to this matter and kindly request that you review my case. Please feel free to contact me by cell phoneif you require any further information or would like to discuss this matter in detail. 

Thank you for your time and consideration. I look forward to a positive resolution and continuing my positive experiences with Exeter finance LLC Please Im begging Please I am facing homelessness from this credit impact I dont have anything else that applys on my credit report and I am desperate I do my best to make my payments before 30 days and I communicate with the customer service team please help me this once please Sincerely, Customer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX XXXX XXXX. ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$75000.00} ), XXXX  XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$350.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Dept collection company '' Penn Credit Corp '' has reported a dept to the leading Credit Agencies. 
I am in agreement that I owe money on a Medical Hospital bill. The amount reported is greatly over reported. They attempted to " Balance Bill '' above and beyond what they received from their contracted agreed prices for medical services-in- network. ( Which is illegal to attempt to collect additional money above and over Contracted Agreed rates and Balance bill. 
*** ( Most importantly they have reported the Hospital collection debt..which was one Total sum of money. From one Hospital. To all three Credit Agencies and fraudulently reported this a total of ** ( 9 ) **  individual times all dated the same and debt. Not one time, Nine Times over!! 
This credit reporting incidence decreased my Credit history so very Negitively - 9x.Greater. This caused a catastrophic reduction in my Credit Scores. 
Which I have suffered greatly for several years. And have been unable to resolve. 
I believe it is highly illegal to report a single debt more than one time. Not as many time as they want. That averages about- 25 to 45 points x 9 times. Drop in score of approx -negitive 450 point. From one collection company. 
Any help would be appreciated
Product: Credit card or prepaid card

Wells Fargo continues to send unsolicited credit card applications to my house in the name of a person who doesn't exist, does not live here, and has never lived here. I know because I am the actual owner and had the house built. I'm the only one who's ever lived here and have nothing to do with Wells Fargo and would never have anything to do with them. I have mailed them letters demanding they stop and the junk mail continues.
Product: Credit card

Recently filed a complaint against Target for fraudulent activity on my account. Received a letter from a XXXX XXXX on XXXX XXXX, 2015 asking me to submit information to Target so that they may conduct an investigation regarding the fraudulent activities on the account. I submitted the documentation to Target as instructed over a month and a half and still no response from this XXXX XXXX person. I have contacted Target on several occasions trying to get in touch with this person and no one seems to know who this person is nor do they have any contact information for this person. It almost seems as if they just inserted someones name on their letterhead and sent it to me and well as the CFPB just to respond. I feel that Target did not acknowledge nor answer my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  account # XXXX, XXXX account # 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 168b A Creditor May not treat a payment on a credit card account under open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Mortgage

How long can a mortgage company hold an escrow account after a loan has been paid off? I made a mistake when I attempted to pay off my Wells Fargo Morgtage. I did n't call and ask for a payoff balance however, on XXXX XXXX, 2015, I sent the balance reflected on my WF online bank account. On XXXX XXXX, 2015, WF debited the regular installment amount so there was sufficient funds to payoff the account. On XXXX XXXX, 2015, I called WF and the customer service representative said that the bank did n't know what to do with the funds. He acknowledged that there were sufficient funds on hand and proceeded to complete the paperwork to payoff the account. On XXXX XXXX, 2015, I received a check from WF from my inquiry. No one from WF contacted me to inquire what to do with the funds. However, if I am one day late on my mortgage, there is no doubt I 'll get a call concerning why the payment was laWF held my funds over 30 days and made money off of it before they sent me a check. 
Poor customer service
Product: Consumer Loan

Net Credit contacted me via email back in 2013, I believe, in response to an online lending application made through XXXX XXXX. I needed the money to offset additional college expenses for my daughter, so I accepted the loan offer and paid this loan on time without default at any point with an interest of 160 %. During the initial conversation and on a subsequent loan offer, they advised they were licensed to offer loan products in Virginia. I agreed to the second loan terms, secured by my checking account with a 160 % interest in XX/XX/XXXX. Shortly, thereafter, I began receiving work and personal calls indicating I owed a payday lender and they were going to have me arrested. It was not until XX/XX/XXXX that I learned XXXX XXXX was a payday lender as they identified their loan as an installment loan. I did n't owe anybody so I chalked it up as a scam call. In XXXX, I was notified by the IRS that someone had filed a fraudulent tax return in my name. During the investigation of identify theft, it was learned that Net Credit, XXXX, and XXXX online lenders were possibly linked to a nationwide scam group and identity theft. I was advised to contact the Commonwealth 's Bureau of Financial XXXX to learn if either of these companies were licensed and/or registered to do business in the Commonwealth. In XX/XX/XXXX, I was notified that none of these companies were legal in Virginia and their practices were fraudulent and violated federal and state laws, including usury laws. In addition, the Office of the Attorney General and the SCC advised that online lenders are illegal in the XXXX of Virginia. These lenders were notified immediately to cease and desist all transactions against my checking account and remove any reporting to any and all credit bureaus. They have continued to harass through multiple daily phone calls, emails, and most damaging, the reporting of these loans as valid and past due on my credit reports. I am seeking to have these accounts removed from the credit bureaus immediately.