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

I HAVE SENT CERTIFIED LETTERS ON  3 DIF FERENT OCCASIONS TO ALL CREDIT BUREAUS ( EQUIFAX,   XXXX    AND  XXXX   ) I N  REGERDS TO A LL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND MY  NAM EIN  DIFFERENT FORMAT WITH ADDRESSES BELONGIN G TO CALIFORNIA AND TEXAS WH ICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS  XX/XX/XXXX   ,  XXXX   THOS E ARENT MY BIRTHDATE, MY BIRHDATE IS   XXXX   I FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  XXXX  ACCOUNT FROM   XXXX   BUT  LEFT A NOTHER  XXXX  IT ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX   XXXX  THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may concer n, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it sta tes that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Debt collection

i am just recently seeing new things on my credit history i am unfamiliar with, its is false and harming my credit situations and would like to have them removed do to company which is harrassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I started to get billed from XXXX XXXX for a card I did not open. The bills started coming in XX/XX/XXXX. I called them and told them I did not apply for, receive, or use the card. They investigated and I received a call, in XX/XX/XXXX, stating that they were able to close the investigation and remove it from my credit score.

In XX/XX/XXXX, I received a later from a collection agency stating that they were attempting to collect a debt. I called and explained the above. I never heard from the agency, but the debt was removed from my credit history. About a month ago, XX/XX/XXXX, the debt has reappeared and I am in the process of disputing it again. Last week I was sent a notice of collection of debt. I called the agency and they do not want to hear it and said I am not able to dispute it and I must pay it.

As a result, Sychrony closed my active XXXX/ XXXX XXXX card for delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. 
Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid a debt with Kay jewelers and it has yet to disappear off my credit report and its making it hard to apply for any credit.
Product: Credit reporting or other personal consumer reports

DELETE XXXX XXXX ACCOUNT DELETE XXXX XXXX ACCOUNT
Product: Mortgage

Hello, my name is XXXX XXXX. My husband and I purchased a home through Wells Fargo Bank in XXXX, California ( address of home was XXXX XXXX XXXX ). We unfortunately faced some financial difficulty during the recession and tried to refinance our home. We submitted our refinance application to Wells Fargo to try to save our home and come to a resolution to help us keep our home. We called Wells Fargo and tried to negotiate in good faith and find all options for us to be able to keep our home but all our attempts yielded nothing positive. Ultimately Wells Fargo turned down all our attempts and requests to save our home and repossessed the home we worked so hard to buy. On XX/XX/XXXX, we received a check for {$200.00} from Wells Fargo Home Mortgage as compensation for their wrongfully repossessing homes such as ours. I called Wells Fargo Home Mortgage upon receiving the check for {$200.00} and told them that was inadequate compensation for them taking our home. I received another letter from Wells Fargo on XX/XX/XXXX with a reminder to cash the check for Wells Fargo account number : XXXX. I do not want to cash this check as I feel cashing this check acknowledges my acceptance of their compensation. I do not feel {$200.00} is appropriate compensation. If we had been given fair consideration to save our home we could have our home at this time and would have significantly gained financially as a result of our home purchased, current market price on the home we lost is estimated at {$350000.00}. We are seeking more than {$200.00}. Our understanding is that the enforcement action against Wells Fargo for mortgage repossession victims would be more like {$24000.00}. This is what we are requesting. We appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, CA XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I called/Disputed a collection letter in the amount of {$1400.00} with XXXX XXXX XXXX I never received information provi g I owed the debt. Today, XX/XX/XXXX I received another demand letter in the same amount. I called and spoke with XXXX, and then supervisor XXXX XXXX they both said the call in XX/XX/XXXX was put in dispute, yet this letter has a new account number. I explained that since both letters were for the same amount they were the same attempt. They once again claimed to put this one in dispute.
Product: Credit card or prepaid card

On  XXXX / XXXX /  XXXX   full payment of  XXXX  was paid to  Fidelity Rewards Visa Signature  a credit card that is manage by  Elan  Financial.     On  XXXX / XXXX /  XXXX   additional  XXXX  was direct debit out of my fidelity checking account.     On  XXXX / XXXX /  XXXX   fidelity and Elan was notified.  Elan  was unable to refund the mistaking direct debit.     Action request to refund consumer money immediately.
Product: Money transfer, virtual currency, or money service

I deposited {$1000.00} with MoneyLion investment account thinking they was trust worthy and reliable. Few days after I had an emergency in the family which made me want to withdraw my funds. When I tried to withdraw I had to first verify my identity which wasnt a problem. Then my withdrawal got cancelled. Then I wasnt able to withdraw again. I contacted them and they keep giving me the run around saying it takes a few business days. Now its been weeks and XXXX cant even bury my dead aunt. This is the worst experience I ever had and Im glad I see what they really about so I will never do business with them again.
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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  The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian requesting proper validation of accounts listed on my credit report. Experian has blatantly ignored these requests. The accounts on my report keeps coming back as verified but I as the consumer have not provided with one shred of validation or verification documents which I specifically request in said mail correspondence. Under the FCRA I as the consumer am legally entitled to view the documents used in this investigation. My correspondence to Experian were sent via certified mail and proof of delivery is hereby attached below. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said accounts be removed from my credit reports and a updated copy of my credit reports with the items deleted be mailed to my mailing address. Thank you for your advanced cooperation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


INQUIRIES : XX/XX/XXXXXX/XX/XXXX
Product: Mortgage

XXXX. I have XXXX mortgages on my property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The XXXX mortgage is with Rushmore Loans Management Service. While the second mortgage is with Nationstar mortgage ( now known as Mr. Cooper ). 
XXXX. Mr. Cooper approached me and my husband for refinance of the first and second mortgages together on the subject unit on about middle of XXXX. 
XXXX. I submitted the loan application with my husband XXXX XXXX XXXX, with all the required documents and fees to Mr. Cooper and got all the necessary disclosure, pre-approval, loan commitment and final approval for closing. 
XXXX. Mr. Cooper cancelled the above-mentioned refinance loan at closing stage without providing reason, justification or any information to the me and my husband. 
XXXX. However, I continue to make monthly payments on the second mortgage to Mr. Cooper. 
XXXX. Meanwhile, I did not receive a single advice letter of sale or transferred of second mortgage to XXXX XXXX XXXX incorporated, from Nationstar mortgage ( now known as Mr. Cooper ), as previously done by XXXX XXXX  XXXX and XXXX mortgage as directed by envisage in 12 C.F.R 1024.33 33 ( b ) ( 1 ).

7. I did not receive default notices from Mr. Cooper or any other mortgage company. 
XXXX. On or about XXXX XX/XX/XXXX, somebody claiming to represent XXXX XXXX XXXX incorporated served me with documents consisting of Notice of intent to foreclose, Notice of foreclose actions, Preliminary loss mitigation affidavit and blank cover page of XXXX XXXXXXXX XXXX documents without the copy of the Order to Docket filed to initiate the case, and no case number and court stamp on the served document to the Defendant at XXXX  address. 
XXXX. Both XXXX XXXX XXXX  incorporated, and Nationstar mortgage ( now known as Mr. Cooper ) later stipulated that they deliberately or inadvertently sent the servicing transfers notices, loan maturity notices, notice of default, and notice of intent to foreclose to the incomplete XXXX address, missing critical part of the notice of address change. 
XXXX. Meanwhile, Mr. Cooper continue keep the money received from me for over XXXX years monthly mortgage payments and my property is still in foreclosure process initiated by XXXX XXXX.
Product: Credit card or prepaid card

i call them to make a pymt on my acct, they could not find my acct but bill me XXXX i dont want late or interest chgs
Product: Checking or savings account

I have recently opened a 360 savings account with the expectation that the account is of superior interest rate, one of the highest rates in the nation. However, after further research I came to realize that I was not notified about the 360 performance savings account that offers superior interest rates. I feel that the lack of transparency violated my trust and breached both the Consumer Financial Protection Act and Truth in Savings Act. I am requesting redress for their misleading practices.
Product: Money transfer, virtual currency, or money service

Assistance Needed After Scam Involving Fake Job and Check Deposit Dear Consumer Financial Protection Bureau, Im reaching out to report a fraud situation Ive become a victim of and to ask for your assistance. Im a young woman who was recently scammed by someone posing as an employer on the XXXX website, and the situation has left me without money and potentially at risk due to the personal information I shared. 

On XX/XX/XXXX I received a message on the XXXX  website that I did not get the job from XXXX XXXX XXXX XXXX XXXX. However, within that message it stated that a personal assistant position was available to XXXXne of their team members. Therefore I proceeded to work for this individual we were supposed to schedule a meeting I talked to some of his colleagues I provided my email and phone number and made many little small tasks for him on his behalf then I received a check in the mail where he told me to deposit and withdraw the money in cash. I deposited a check into my account at Wells Fargo for XXXX, on XX/XX/XXXX which I was led to believe was fine. 

Wells Fargo made the funds available to me on XX/XX/XXXX, and I withdrew the full amount that day to follow instructions from the person I believed was my new employer. However, on XX/XX/XXXX, the bank placed a hold on the check and reversed the deposit, leaving my account in the negative. I had no prior balance in my account, and I was never informed that the check hadnt fully cleared. 

What concerns me even more is that I gave this person personal information including my full name, address, and phone number. I now realize this was part of an elaborate scam, and I am extremely worried about how this information could be used. 

Wells Fargos fraud department is currently reviewing the situation, but I wanted to officially report this to document what happened and ask for any help or next steps you can provide. I can share screenshots, communication records, and my full timeline of events. 

I trusted that this was a legitimate opportunity and XXXXm now facing serious financial hardship because of it. Please let me know if I should come in to file a formal report or provide any additional details. 

Thank you so much for your time and assistance. 

Sincerely,
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't XXXX XXXX with this problem, It's hard for me to accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an alert on my Experian credit report that shows I am 30 days past due on my td credit card. My score dropped XXXX points and this is the first negative item on my credit card history. I havent used or had physical access to this credit card in years and any resulting activity or usage has went without my oversight. Please remedy this as soon as possible as this is purely an oversight due to my understanding that this card hasnt been used for several years. Please accept my apology and issue me this one time courteousy so I wont be held XXXX by this one time issue in my long history of outstanding payments and usage.
Product: Checking or savings account

chase bank charge XXXX dollars in overdraft fees all the branches are close in my neighborhood at the beginning of XXXX  THE STATED THEY ARE WAVING ALL BANKING FEES for transfer and overdraft what is going on.
Product: Debt collection

We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to ditech corporations it 's now on my credit report as a tax right off need it taken off my credit report
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no clue why they're there. I check my credit report regularly, but this time, there were strange discrepancies that just appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but it wasnt. The incorrect accounts remained. I urgently ask that the documents Ive sent be thoroughly reviewed, so I can stop worrying about this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX illegally accessed my credit report. Mr. XXXX is a Senior Loan Officer at XXXX XXXX XXXX. His NMLS number is XXXX. On XX/XX/2019 I was notified by XXXX   XXXX that a hard inquiry from XXXX XXXX , XXXX was listed on my credit reports with Equifax and XXXX. XXXX XXXX, XXXX is a third party reseller employed by XXXX XXXX XXXX. I immediately contacted Equifax, XXXX and XXXX XXXX to inform them that the inquiry was illegal and that I did not authorize any hard inquiry. I received a response from all three companies XXXX   removed the inquiry, Equifax requested that I contact XXXX XXXX XXXX, and XXXX XXXX informed me that XXXX XXXX initiated the inquiry but provided no proof or documentation. XXXX XXXX   falsely claimed in a letter to XXXX XXXX that they obtained my authorization via phone, which they did not. XXXX XXXX also provided no proof or documentation. More than 30 days have passed since my dispute, and XXXX XXXX, XXXX XXXX and Equifax have yet to provide verification or to remove this illegal inquiry, per federal law and as required by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ).
Product: Debt collection

I was part of a workman 's comp claim. I directed hospital billing to my insurance claims adjuster. Hospital continued to call me. I instructed them this is a workman 's comp claim and I am not the party to pay for this bill under California Labor Code section 3751 ( b ). They have submitted me to a collections company for payment who continues to call me instead of insurance company.
Product: Debt collection

DISPUTED ALL MEDICAL ACCOUNTS WITH XXXX, XXXX. I HAVE XXXX MEDICAL COVERAGE. MEDICARE PART XXXX. ALSO XXXX. ITEM 'S WAS REMOVED. REVENUE RECOVERY CORPORATION FROM XXXX XXXX. PLACED ALL DISPUTED, INVESTIGATED, REMOVED ACCOUNT ONTO XXXX REPORT WHERE NEVER REPORTED BEFORE BECAUSE I DISPUTED PROPERLY THROUGH OTHER XXXX BUREAU 'S. SOME ACCOUNTS ARE NOT MINE. MG CREDIT CORPORATION SHOWS REPORTS FROM " XXXX XXXX XXXX IN XXXX, XXXX. NEVER BEEN. ACCOUNT NOT MINE. I SHOULD HAVE NOT BEEN BILLED FOR MEDICAL. INACCURATE COLLECTIONS. REVENUE RECOVERY CORPORATION DOES NOT SHOW PHONE NUMBER FOR CONTACTS AND DISPUTES. NEVER RECEIVED DEBT COLLECTIONS FROM REVENUE RECOVERY CORPORATION. ALSO. TRYED SEVERAL ATTEMPTS TO CONTACT AND DISPUTE INACCURACY TO XXXX. XXXX KEEPS DENYING ME MY FREE YEARLY CREDIT REPORT. I HAVE WRITTEN, CALLED, E-MAILED AND CANT GET REPORT. THEY KEEP SAYING MY INFORMATION IS WRONG. THEIR INFORMATION IS WRONG.