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

I have sent my dispute to Equifax two times during the last couple months including complaint to CFPB, but Equifax keep telling me that they have not received my documents such as my verification documents, they also have mentioned that CFPB didn't send them any documents eve though these documents have been included to my previous complaint through CFPB. 
Equifax has refused to remove fraudulent hard inquiries from my report and refer them as a XXXX XXXX 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. Equifax has attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX. 
I have included in this complaint a copy of my FTC report, copy of my Driver License, copy of my SSN, proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account has been disputed several times with Experian and has yet to be removed. The fraudulent account has been removed from XXXX and it's still pending with XXXX. Attached you'll see the report filed with the FTC in regards to the referenced account. Also, you'll see a copy of the results from XXXX showing the account has been deleted. 

The mentioned above XXXX account still reports on my XXXX credit, however, it's since been removed from XXXX. I understand that the credit bureaus do not share information. However, they do a similar dispute process to the other credit bureaus. If XXXX was able to verify the account as being fraudulent then why hasn't Experian or XXXX removed this account? Also, the other XXXX accounts XXXX XXXX XXXX was removed from my XXXX credit file as well and it's been removed from my Experian credit file, but remains on my XXXX file.
Product: Credit card or prepaid card

I have 2 new credit cards that popped up under my name and I have no idea whos they are I would really like to get them off my name ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$810.00}, {$0.00}, {$690.00}, {$590.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account.
Product: Mortgage

I recently went though a divorce and was awarded the home. I called Bank of America to see what process I should take to remove my ex spouse from the home loan. I was informed that because I had no equity in the home that the only way to remove his name was do a home loan modification. I informed the representative that I am financial able to handle the note and did n't need to modify the payment. After talking to several representives they infirmed me that after the modification my ex name would be removed. While going through the process of modifing the loan. I was working with XXXX XXXX, who also informed me thay after modifying the loan my ex name would be removed. She also informed me to do a Quit Claim Deed.The following day I went down to court house and was informed that my ex had to file the Quit Claim Deed. I informed her of what I was told my the courts and she infirmed me to do the modification and his name would be removed. I did the modification to only find out that his name was not removed. I spoke with XXXX on several occations about this and she informed me to wait one year and do an assumption. I waited the year it and apply for the assumption and was denied. I called Bank of America and spoke to XXXX, XXXXr in the assumptions department. He apologized for the information that was relayed to me and informed that that under normal circumstances it will take one year for and assumption to take place ; but because of my situation I have to wait 2-4 years because I should 've assumed the loan and not modified it. I informed him that I did wait Bank of America representive told me to do to remove my ex name. Still it was n't anything that he could do to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests but still the same items were erroneous. The 3 credit Bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items listed below : XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On my Annual mortgage escrow statement XX/XX/XXXXXXXX  it was stated that my monthly payment will change starting XX/XX/XXXX. The new payment will be {$2500.00} the increase was in the amount of {$330.00} compared with the previous payment. A year before this company forced on my escrow home insurance and flood insurance without my consent, raising my monthly payments with couple of hundreds. I believe it was around {$350.00} I had home insurance and my building provided flood insurance. It was hard to get the credit back on my escrow and still my monthly payments were increased by {$120.00}. Thinking that is the same case this year I called and asked about the reason of increasing my monthly payments, they said they see flood insurance costs added in XXXX in the amount of {$3100.00} but they were credited back in XXXX. And that tax went up with {$1000.00} and home insurance went up with {$160.00}.. I requested mail escrow analysis in XXXX, never arrived. In XXXX I called again they said nobody requested the escrow analysis, but that the correction seem made and that they will send me the papers by mail. I got the papers by mail and I see the cost for the extra flood insurance but the credit didnt show. So I called today again in XX/XX/XXXX, and they said they will request a new escrow analysis because the one that they send me in XXXX is not updated and it doesnt reflect the credit back. But the date of the statement is from XX/XX/XXXX to XX/XX/XXXX. How come is not updated the information of the dates are after the update supposed to be done. They added {$3100.00} on my escrow account for a flood insurance coverage that I have already and they dont want to give my money back. They raised my monthly payments and made my payments more difficult to pay putting my condo at risk to lose it to the bank. They are stilling from me and when I call them they dont make notes on my requests, curent customer service representative could not see my previous call and the requests I made
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX approximately, I received a phone call from the " XXXX XXXX XXXX. '' They sent me a email as well with a letter saying that the person talking was with XXXX. His ID number and phone number as well. Claiming that someone was trying to purchase an 1000 dollar XXXX on my account. I'd been contacted 3 times previously about the same thing so I felt ok letting him on my laptop remotely. After a minute he tells me that XXXX is going to help secure my wifi and put a firewall up. But had to be purchased by me. I turned him down and he said that he would have someone provide the funds from XXXX. I gave him my XXXX account number so he could put money in the account. In XXXX minutes there was 1000.00 dollars on the account. I was to use my PayPal XXXX  to purchase gift cards in order to purchase the firewall. Then XXXX would install it. So I purchased XXXX card for 500 dollars on one afternoon and purchased another one the next day. Gave the pin code to the guy who was calling me every half hour. The next day he calls and says he needs into my XXXX account he does this remotely on my laptop. He orders another gift card telling me that it should cover the 1500 firewall. Then PayPal is trying to get the money back never saying what's going on. I ignore it as this guy said he would cover it. A couple of days go by and PayPal is requesting the account be corrected. After getting the last gift cards pin I never heard from XXXX XXXX again. I wrote an text to PayPal explaining this situation but never heard back from them. The whole thing was a scam and I'm the victim except why would PayPal credit the funds. Allow me to purchase goods. Then claim I owed 1100 dollars. Apparently they accepted funds then whomever put the funds on my account were refunded the money after it was used to get the gift cards. Double the funds the crooks used to initiate the scam. That seems to be a problem for their own system. I completed my end of the transaction.500 dollars in and a 500 gift card returned to the scammer. I received nothing from the transfer. Not one cent. I even lost money as at the same time I loaded 30 dollars on PayPal card for XXXX use. That money was taken. I'm XXXX XXXX XXXX XXXX man who didn't think it was going to be a good thing. But didn't expect it. I waited a bit to get my laptop checked and found records on the laptop that the were spying on my laptop for awhile. A couple of weeks. So I can provide that documentation after I contact my computer technician who did the forensics. Anyways any comments about the policy 's of PayPal to let me use the funds then demand them back, I don't know about that. The persons who put the funds on I'd never met or even spoke with. They should still be there at PayPal account. I blocked them from the account but they should be there. Thoughts? 
XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a {$1000.00} loan onXX/XX/19 from Big Picture loans. I have made three payments of {$170.00} onXX/XX/19,XX/XX/19 and XX/XX/19. My principal balance as of today is {$1000.00} - MORE than borrowed in the first place and that's after three payments!

I began looking into it and I was informed that Big Picture Loans is not licensed to conduct business or offer loans in my State and that the fees and interests are not within requirements for Washington State lenders. Per the Washington State Department of Financial Institutions ( DFI ), Washington State residents are informed that Washing State law provides in RCW 31.45.105 ( 1 ) ( d ) and ( 3 ) that a small loan made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State.

I contacted Big Picture Loans on XX/XX/ revoking ACH authorization and also contacted them againXX/XX/19 notifying them that they are not licensed in my State. I advised that I am willing to repay the principal balance of the original loan amount. Noting that with three payments of {$170.00} already made, I had paid {$530.00} leaving a balance of {$460.00} which I am willing to pay in one sum on XX/XX/XXXX. 

The company responded to this with the following " settlement offer '' : Settlement Offer Current Amount Due : {$1000.00} Number of settlement payments : 8 Settlement Payment Schedule : {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 Payment Method : ACH This is still paying back far more that loaned at fees/interest that are unacceptable and not legal through the State in which I reside and whose laws I am bound to in addition to federal laws.
Product: Debt collection

This company who I have previously filed a complaint against has absolutely NO CONTRACT with me. I 've never received a notice in the mail, a phone call, or an email in regards to the debt that 's being reported against m y SSN.  Before my initial complaint was filed, no one from the company has ever attempted to contact AT ALL. The only way I knew of the debt is because I recently received copies of my credit report from  XXXX ,  XXXX , and   XXXX  .
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 05 XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have a 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.
Product: Checking or savings account

On XX/XX/21 I contacted TIAA in order to close out any accounts I had open with them. The agent I spoke with said that the system will automatically clear out accounts but refused to actually close it, only that he would " ask to close it now '' while saying that it will most likely not happen.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Spire Solutions Recovery called my wifes phone number, and they told her they were XXXX. She never once gave her name or identified herself as my wife. The representative proceeded to give the address they mailed the paperwork to, and gave my email address. My wife was like what if I would have changed my number and someone else got that information. They should not have given out my personal information such as my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Conversion for Accounts my rights have been violated for accounts ; # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written authorization instructions
Product: Checking or savings account

I am a victim of a school loan consolidation scam. A company conned me into allowing them to remove {$29.00} on the XXXX of each month, a recurring transaction stating that the money would be paid toward my student loans. The money has been taken out of my Wells Fargo Checking Account religiously for years. In XX/XX/2018 I entered a branch of Wells Fargo, after learning that the school loan consolidation company was a scam, and filed a fraudulent claim. Going back the life of the authorization and was told that the Fraud Department would be in contact but I was assured that the withdrawal of funds would stop, per my revoking the authorization. I was contacted in XX/XX/XXXX by the Wells Fargo Fraud Department and was told that they found my authorization for recurring withdrawals to be sufficient and denied my fraudulent claim. Even with me supplying proof that the company listed as taking the funds out was reported by the XXXX  as being out of business and was a fraudulent company. At which point I notified the representative from the Wells Fargo Fraud Department and the branch I originally went into of my rights to 'revoke ' any previously authorized recurring withdrawals, stating I wanted an immediate seizure of any future withdrawals and requested that the withdrawn funds for XX/XX/XXXX and XX/XX/XXXX be refunded. Please be advised that this all took place before the XX/XX/XXXX withdrawal was to take place as well as the withdrawal for XX/XX/XXXX which was also removed.. However, the withdrawal for XX/XX/XXXX did take place and nothing has been refunded. In fact, Wells Fargo has informed me that I am not permitted to stop this withdrawal from recurring even with the revocation of my original approval. Attached please find the letter I sent to the Fraud Department and the Branch itself.
Product: Credit reporting or other personal consumer reports

I opened an account XX/XX/year> with CREDIT ACCEPTANCE CORP Account # XXXX and set up monthly reoccurring bank draft so that the automobile payment would be paid on time automatically. For several months CREDIT ACCEPTANCE CORP would intentionally deduct the payment from my account days late and some months forget to deduct at all and the funds where available in the bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with this company for months they continue to bully me and disregard my rights as an original creditor and consumer. It has been well over 30 days and they have yet to respond to the letters attached below. I never gave them permission to furnish these accounts on my credit report nor do they have permissible purpose to report this information. There reporting is inaccurate and unlawful. They have ignored FTC reports, police reports, and multiple letters that prove this information is inaccurate. These accounts include a US DEPT OF EDU Acct # XXXX & XXXX XXXX XXXX XXXX Acct # XXXX. This agency is in clear violation of 15 U.S. Code 1681b - Permissible Purposes of consumer reports which protects me from this kind of negligent and unfair reporting.
Product: Debt collection

I do not owe a debt with this company. They have the wrong name my wrong Social Security number on this account. This is a fraud account so I need them to remove this because I havent got a loan for them. I havent got a contract with them. I have not got a product with them.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in 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 : Equifax Account number XXXX XXXX Account status Collection Available credit {$0.00} Reported balance {$0.00} Credit utilization Date opened XXXX Experian Account number XXXX XXXX Account status Collection Available credit {$300.00} Reported balance {$0.00} XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/year>