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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that appear on my credit report as a result of identity theft. These inquiries were made without my knowledge or consent and are causing significant harm to my credit profile. In accordance with Section 604 of the Fair Credit Reporting Act ( FCRA ), I request an immediate reinvestigation into the following unauthorized inquiries and their removal from my credit report : XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I contacted the credit reporting agency to see what was on my credit and it is medical bills, so I know about the new rule passed XX/XX/year> they can't use that against you when applying for a loan and it shouldn't be reported on my credit as well and Regions Bank stated that you all are a lie and that is not true
Product: Checking or savings account

I received a letter from my bank PNC stating that my saving account has been closed and that my checking account will be closed on XX/XX/XXXX, I called the bank after speaking to agent on the website chat and was asked for this decision to be reconsidered because i felt that this decision was discriminating due to the identity theft and not fair that my account is closed due to something I'm a victim of, i have child support payments that come through to that account every month through the state, closing this account would effect me and my daughter tremendously because i failed to get approved for another checking account with other banks. i have a FTC report claim number to support the fraud charges i was given a reference number for escalation department and told to call directly, I called them on XX/XX/year> at XXXX ; XXXX explained my situation and gave the reference number which they could not find, I went through explaining the situation then i was told that my account was being watched for fraud charges and that it will be closed on XX/XX/XXXX, I explained to the agent that i already knew that and that I was calling for them to reconsider, after waiting 10 mins on hold, the agent ( XXXX XXXX told me that the bank did not have to explain to me why they are closing the account. I asked to speak to a manager the agent put me on hold then told me that he could not get a manager to speak to me and was told that someone will call me back.
Product: Bank account or service

Good Morning to whom this concern This incident is totally about disrespect, and lack of respect, as well my name is XXXX, my wife XXXX went to the Apple bank in the XXXX on XXXX & XXXX XXXX on the morning of XX/XX/2016, just to get a letter Notarize, the Notary a XXXX woman there, was very very professional and kind and was telling my wife and I about opening an account there which we were considering, being a XXXX I have seen and felt so much issues? from all walks of life but I will always believe 1 day we all learn to respect one another, just then an XXXX woman came from another direction walk toward her desk and shouted to another worker at another desk ( while looking at me ) why she did not put her pocket book away, the other worker apologize for not putting it away, I was so offended that I told my wife I am not opening an account there, once the notary was done I told my wife outside what the woman had said, she said that she was talking to the notary and did not hear everything and she wanted to go back in and say something to the woman but I told her no, that I a will write an letter to the President of Apple Bank, The woman who made that remark ( Manager or Not ) should be reminded words can hurt and be offended and profession is required by all Levels Thank you for listening XXXX XXXXXXXXXXXX The service do not give me an option box to click on so I will click on Management because she was woman was on higher than a teller level My number is XXXX I do not wish for her to be fired just remind her to stop judging. Thank You again
Product: Mortgage

I received a letter on XX/XX/XXXX from XXXX mortgage stating there was a lapse in home insurance from XX/XX/XXXX to XX/XX/XXXX and will be charged XXXX to cover that period. I spoke to them on the phone and the person agreed there was not a lapse. I uploaded to their site XXXX XXXX XXXX my insurance coverage information. On XX/XX/XXXX I received a letter stating I have an escrow shortage and they will deduct the amount due over 12 months. They are unreachable by phone. I have sent them a letter in writing to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting XXXX mortgage account on my Credit Reports with all Credit Bureaus. This is impacting my debt to income ratio. I only have one account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account ending in XXXX that shows up 5/6 times on my credit reports.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased two couches, ottoman and a table from XXXX XXXX in XXXX Missouri for {$2800.00}. XXXX XXXX used Capital one as a lender for the purchase. We have been waiting for a card in the mail to set up an online account to pay for this purchase. While waiting on the card we made a phone call and payment on XX/XX/XXXX since the card had not arrived. Last month I called Capital one and they said they could not give me any account information to set up my online account and that the card would be sent to my address to set up my account. I called them today XX/XX/XXXX CST and was transferred to the fraud department to a lady in XXXX XXXX who couldnt help me unless I knew a passcode for the account, and since I didnt even set an account up she said I couldnt be verified of who I am unless I send a copy of my social security and drivers license. Her other option was to go to a local capitol one bank which I cant do because I am overseas in XXXX, and the closest Capital One bank to my home of record I could find was in Texas. I requested to speak to somebody stateside and she transferred me to a Supervisor named XXXX who claimed to be in Florida. She realized that I was not referring to an old account which was closed, and she said the furniture department has a different number I must call. She gave me the following number XXXX. I called this number and a machine answered and asked for an account number which I do not have or my social security. My credit report is already reflecting late payments for this month, and I have no way of setting this account up. I dont know if my last payment even went towards the XXXX XXXX account since Capital one keeps referring to an old closed account I had for a vehicle. The number they had provided I tried looking up on the internet but I could not find any contact information for, so I dont feel comfortable giving my social security number to the machines request. The number I used to contact Capital one was from their website under General Customer Service : XXXX. I am just trying to set up my online account so I can pay my bills while overseas, and I am at a dead end. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Missouri, XXXX Sales Person : XXXX Invoice : XXXX Phone : XXXX Capital one : XXXX Webpage : https : //www.capitalone.com/contact/
Product: Debt collection

The collection agency is attempting to collect debt I do not owe. They are attempting to " balance bill '' after the original creditor was paid what they agreed to accept from my insurance company for services. They have placed it on my credit reports and also have called excessive number of times to my place of employment. They have also let my coworkers know that the call was about a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! For months I have been disputing these items with the 3 major credit bureaus. I am 100 % sure they are breaking the law and I'm humbly asking that they delete and remove each negative item because I do not recognize or honestly own or will ever accept their errors for the items they can not prove are mine. From Last fall to this year and spring I have been disputing yet they keep breaking the law. They keep saying the items are verified without proof. Since they broke the law multiple times I am ready to file a suite against them. These companies have broken the law and I am humbly asking that you please help hold them accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB Complaint regarding the removal of the fraudulent accounts and information that the Credit Bureaus report on my Credit File XXXX It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Once again, I need the Credit Bureaus to remove the following accounts and information completely from my Credit 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
Product: Credit reporting or other personal consumer reports

My identity was stolen when I was arrested for prison in XXXX to XXXX. The prison coordinators says the will mail my wallet to my address with my ID, social security, bank debit cards, business credit card, and debit card and my personal credit card all was in my wallet. I nerve received it
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that Im unaware of.Ive been harassed by a collection agency and have been told to pay a debt that I have no knowledge of.I would like the following inquiries removed from my credit reports. 

XXXX. XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a personal data that is incorrect, please remove the following wrong address and the security alert associated with my account. 

Wrong address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Personal Statement : XXXX & XXXX ID SECURITY ALERT Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was disappointed and confused to find unauthorized inquiries on my credit report with no clear reason. I checked it as I normally do, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changed. I ask that the documents I've submitted be carefully examined so I can have peace of mind and stop worrying about this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I submitted an international wire transfer to XXXX XXXX in XXXX, originating from my local bank branch, Centennial Bank in XXXX XXXX, Arkansas. The amount of the wire was {$12000.00}. 
After several days, the beneficiary had not received the funds so I went back to my bank branch to try to trace the funds. At that time we discovered that the account number had not been entered correctly and one or more numbers had been transposed. On XX/XX/2022 my bank submitted an amendment to the wire department with the corrected account number, but by that time the original wire had already been applied to the wrong account and could not be recalled. As a result I have lost over $ XXXX due to this error. 

I recently submitted my claim to FDIC, who referred it onto The Federal Reserve, and they referred me to CFPB as having jurisdiction with this bank institution.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accou
nts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Debt collection

On XXXX/XXXX/17 I called Monterey Collections along with a financial counselor who is helping me with this case. We called because I discovered some fraudulent accounts on my credit report. When we called we spoke with XXXX XXXX ID # XXXX who basically accused me of giving my grandson authorization to speak on my behalf and said that I signed for a dog when I never did. When I would try to explain myself she would talk over me and would n't let me explain myself. I was trying to tell her that I never authorized anyone to purchase a dog and that I found out about this debt after I was contacted by the collection agency. She continued to say that I did authorized this dog purchase as I was calling to try to find a solution about this fraud.
Product: Debt collection

I mailed a letter to this company requesting debt validation on the debt they are inaccurately reporting on my credit report. They have not provided proper documentation validating this debt or chain of assignments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on several occasions to remove and or delete the incorrect & inaccurate information on my credit report which I am needing immediately removed. I am listing those items for your convenience below. 
EXPERIAN - XXXX XXXX XXXX EXPERIAN - XXXX XXXX EXPERIAN - XXXX XXXX XXXX EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN - XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX EXPERIAN - XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My Mom, XXXX XXXX, and I, XXXX XXXX, had a mortgage loan for a condo, which was initially with XXXX, XXXX XXXX XXXX XXXX  XXXX which we signed jointly with rights of survivorship in XX/XX/XXXX. 
The loan was later taken over by WELLS FARGO Bank and when it transferred, the bank made an error and left my name off the file. In XXXX, I went into the local branch of the Bank and spoke to one of the Bankers about my name not showing up on the account and requesting it to be corrected. She promised to look into it and I never heard back. 
My Mom passed away on XXXX XXXX, and the Bank was sent a death certificate along with all of her other lenders/creditors, by her estate attorneys, at the time. All along, I made the payments, always on time for XXXX yrs. 
In XXXX of XXXX, I opted to sell the property which, the lawyers had transferred into my name only. The closing attorney who handled the sale made the payoff. A few weeks later I received a check from WELLS FARGO for {$1000.00} from final escrow. It was made payable to my Mom only. I also received from them, a lien release form which has mine and my Mother 's names so I know the Bank had the correct information all along. I went to the branch again and explained that I need the check to be re-cut in my name. I spent time with XXXX XXXX at the XXXX, CT branch and he tried to send everything to the mortgage area, with no success. The responses I got from them made absolutely zero sense. They sent one letter stating that they were sorry to hear about the passing of XXXX, which they had been advised about in XXXX, XXXX yrs prior, and the next day, they sent a letter to XXXX stating that there had been an inquiry into the mortgage which was already paid off. Then, I got a phone message from someone named XXXX saying she was looking into the request I had made for an increase (? ) Because things became so confusing with these folks, I had asked to be contacted only by email and did not receive one email from them. I don't believe that they're serious and I need help in resolving this matter. It's bad enough that due to their error, I did not benefit for my credit history, for making the payments for XXXX yrs on time, but now I am treated like I don't exist. No one at the branch has reached out to me to help correct this matter and I am owed {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, WF BANK NA added a derogatory mark on my credit report per XXXX. Upon further research, this charge-off does not belong to me and should not be reported on my credit report. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, WF BANK NA violated my consumer rights, and I'm requesting legal action to remove this account immediately.