23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX
Product: Checking or savings account

I put a claim in on XX/XX/2022 against fraud and unauthorized online banking transactions I was incarcerated and a person had my bank info and using my account to make online XXXX transactions to there bank account from my bank account. I never authorized for the money to be taking out of my account. The person took over XXXX dollars out of my bank account. Wells Fargo granted and approved the claims and some they didnt. I been calling Wells Fargo since XXXX making complaints and they still have not sent me my claims check from XXXX that they claimed was mailed to my address. The customer service representatives hang up in my face, putting reports into my file I never said or mentioned. I even called the head quarter and spoke with a specialist that has not returned my calls from XXXX. I left voice mails no returned calls. Ive been to bank branches. They are giving me the runs around. They had me on the line for XXXX hours transferring me to departments that had nothing to do with my claim and the amount of money that was supposed to be mailed out its been almost XXXX months. No money had came to my mail box and they are mis informing me every time I call and inform them of the matters
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I recently was looking at my score through chase today on XX/XX/XXXX and noticed it had way to many hard inquires. There should be about 7 total for some reason there is more. The odd part is the last 3 months it says I have 3 inquiries. I called Chase customer service they said they can not tell me what these Inquiries were but to write letters and explain you did not authorize or sign anything in the past 6 months for any Inquiry 's that they would remove them once they looked into it.

I did not make any Inquiry 's since I bought something summer of XXXX at XXXX XXXX ( XXXX XXXX XXXX was opened ) anything after that is inaccurate and I would kindly ask to be removed from file and whomever is giving that report. As it is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED INQUIRIES REPORTED ON MY CREDIT REPORT. 
XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I NEVER AUTHORIZED SUCH ACTION, AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION OF MY RIGHTS TO PRIVACY.
Product: Credit reporting or other personal consumer reports

I sent several disputes I do not know this collection agency as I have never been in agreement to work with them could you please provide me evidence stating that I have signed any sort of agreement with the following agencies XXXX XXXX XXXX, XXXX XXXX, LVNV Funding LLC and XXXX.
Product: Mortgage

XX/XX/XXXX I got excepted into The Hardest Hit Program. UMAP ( Unemployment Mortgage Assistance Program ) /.MLRP ( Mortgage Loan Reinstatement Payment ). Therefore the MLRP paid out XXXX towards the past due amount of the mortgage.The loan funds can used to pay monthly mortgage, escrow expenses, property taxes, homeowner insurance.All funds will be disbursed by Florida Housing directly to the loan servicer on behalf of the homeowner. In addition current pending Litigation, including foreclose proceedings with the Mortgage lender and or other parties must return the loan to its original anoint. In my case XXXX Therefore the original loan has to be reinstated! Which at this time NATION STAR has not done so. 
Furthermore, UMAP pays out to the Lender on my behalf in the amount of {$1100.00} per month towards my monthly mortgage payments during the term of my UMAP assistance of one year. Nation Star has taken the Monthly payment and has applied for their legal fees in the amount of {$920.00} per month plus a charge of {$45.00} per month for Property Inspection. Which become a total of $ {$970.00} out of the {$1100.00} per month that is suppose to go toward a mortgage payment. Therefore according to Nation Star the payment that is left towards the Monthly is {$170.00}? Nation Star has violated the terms and conditions of the Florida Hardest Program. And state that I still owe them a balance due of {$34000.00} as per their XXXX/XXXX/2016 statement. 
Finally the topping on the cake. Nation Star was Foreclosing on me while at the same time try to get me a Loan Modification on the home. According to Florida State Law called " DUAL TRACKING ''. No Financial Institution can provide you a LOAM MODIFICATION WHILE AT THE SAME TIME, AS DOING A FORECLOSER ON YOUR HOUSE. 
And till this date, with countless calls to NATIONSTAR no ones has borrowed to assist me or do anything that they where suppose to do then they accept the payment from FLORIDA HARDEST HIT & gt ; XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Bank account or service

In 2011 my identity was stolen and my chase account was put in the negative XXXX XXXX after that they restricted it then closed it. I recently went to a chase bank in XXXX and tried to open an account and he told me i coudnt open one and he gave me a numer to call. I called and spoke to woman and she told me that i should have no problem at all with opening the account because when chase no longer wants to have you as a customer they will put it in your file and she also if i had any problem call them. I went back into the same branch spoke to the same associate and he told me i could open the account but it would go through a second review and they might close within two days and it did.
Product: Debt collection

I have wrote Capital one and the three credit bureaus for than three times in the state of Michigan credit card only have 6 years for statutory of limitations also there have falsified my document with the three bureaus of the dates and time of my last payments and added information to prolong this on my credit The write off is holding up my credit for than the legal Michigan laws.
Product: Prepaid card

Card is declined every time I try to use it on XXXX or other online retailers. Tried charging it for less than the full balance, a small amount, and other methods. No luck.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint and dispute regarding the inadequate response received from Experian concerning my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, with reference number XXXX. 
Account Details : ** Account Holder : ** XXXX XXXX XXXX XXXX Account : ** XXXX Account Number : ** XXXX Date of Reported Late Payment : ** XX/XX/XXXX On XX/XX/XXXX, I received a response from Experian merely validating the late payment without providing a detailed description of the verification process. This response is wholly inadequate and fails to meet the requirements set forth by the Fair Credit Reporting Act ( FCRA ).

Violation of FCRA Provisions : ** As outlined in 15 U.S.C. 1681 and specifically under 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information on their credit reports. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ), creditors and credit reporting agencies are mandated to report information accurately and completely. Experian 's failure to provide a comprehensive verification process description is a clear violation of these statutes.

Furthermore, the account in question should reflect its accurate status as " Paid As Agreed, Never Late '' ( PAANL ). Experian 's failure to correct this error after my initial dispute constitutes non-compliance with the FCRA.
Product: Mortgage

I am appealing a foreclosure with the Illinois XXXX District. 
My loan was with XXXX XXXX XXXX and then XXXX XXXX XXXX and finally Green Tree Servicing. 
A fraudulent, robosigned " assignment '' was used after XXXX was no longer an active business by a foreclosure mill law firm. 
The actual owner of the debt is XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
The correct party who has standing to foreclose would be the Trustee of the XXXX or XXXX securitization pool. XXXX XXXX and XXXX XXXX were " bailed out '' by taxpayers in XX/XX/2008. 
HUD Memorandum XXXX found the XXXX  XXXX XXXX had robosigned assignments and a {$XXXX} XXXX Mortgage Servicing Agreement was Filed in Federal Court
Product: Checking or savings account

Chase requires four ( 4 ) pieces of information to access an account online ; password, texted code, PIN, and a call to an XXXX number. This process is not only burdensome, it is antagonistic. It defeats the very idea of having online banking as a convenience. A password should suffice. In extraordinary circumstances, a security question. Not extended time texting and calling a bank. No financial institution should integrate cell phones into a security protocol. Cell phone fraud is rampant, driven by the very fact that a cell number is public information, can be ported out and spoofed, and a phone can easily be stolen. I have complained to Chase, who will only vaguely cite security issues. Being the largest bank in the U.S. and being clueless as to modern-day fraud-prevention, it should raise the alarm of every regulator, legislator and shareholder to see mismanagement and poor treatment of customers by a behemoth. If this is allowed to go unchecked, the contagion of incompetence may spill over to the entire banking system. A credit card company should be required to : 1 ) communicate with card holders in a timely and responsible manner, 2 ) allow account access without undue hassles, and 3 ) protect accounts rather than heighten the risk with unproven technology. By maliciously making account access difficult, Chase is also free to engage in violations of the Fair Credit Reporting Act and Fair Credit Billing Act by refusing me access to pay bills, which will result in erroneous credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Check my credit report and notice incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the TMS company transferred the account to XXXX XXXX during the month of XX/XX/2020, I do not know who to ask to correct the misreported error to the credit bureau of a missing payment for XXXX month. I made 2 payments in that calender month, I made a full payment on XXXX, $ XXXX, and another on XXXX, $ XXXX. Yet TMS Inc. Did not report the payment properly to the credit bureau. instead they posted NOT RECEIVED!!! this counts as a missed payment and has hurt my credit history. I contacted TMS inc. they opened a case requesting to correct the misreported information however they have repeatedly closed the case and not fixed the issue with the incorrect report of missed payment to the credit bureau 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR ALL THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Product: Mortgage

Setereus took over servicing my mortgage from XXXX on XX/XX/2014. I was in arrears, its was a rental, had to evict tenant again, do n't make nearly the money I used too. Decided to sell instead of renting again. Took XXXX mos to get a contract. Throughout Seterus kept telling me the principal balance was {$52000.00}. I based sales price on this. Had received several offers of $ XXXX & $ XXXX. Seterus was willing to accept, but I was n't. Requested payoff figure, knew it would be a little more. It was {$5400.00} more, finally amount was {$5600.00} more. Almost could not close because the payoff figure was so high and still needed to pay real estate commission. I wrote Seterus as they instructed, also called once per week. Had XXXX questions, never answered. And had to pay extra taxes because Seterus refused to deduct it from their payoff figure ; taxes were paid by closing attorney which is standard in real estate closings.
Product: Credit card

This compay is sending me unsolicited credit offers even though I have already PERMANENTLY OPTED OUT via XXXX. 

This is malicious harassment and I will file criminal and civil complaints against American Express if they do not STOP sending me unwanted physical mail with unsolicited and unwanted credit offers.
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's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXXXXXX XXXX XXXX  account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- Received credit report on XX/XX/2022 from TransUnion for new credit card inquiry with XXXX XXXX XXXX - Called TransUnion for assist with fraud inquiry and was told that the credit card inquiry was made on XX/XX/2022 - Informed me that they will contact XXXX XXXX XXXX and requires me to submit a fraud report with fct.gov and more additional information in order for them to dispute the hard pull on credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I HAVE SEVERAL ERRORS AND INACCURATE INFORMATION ON MY CREDIT REPORT MY NAME SHOULD APPEAR AS XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATONS OF NAME NAME. 
i NEED THE FOLLOW ADDRESS REMOVED FROM MY CREDIT REPORT : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE 3 ACCOUNT THAT NEED TO BE DELETED FROM MY REPORT THEY ARE IN ERROR THEY WERE SUPPOSED TO BE DELETED UNDER SETTLEMENTS WITH THE ORIGINAL CREDITORS PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX THEY ARE NOT ACCURATE!!
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX We requested a payoff demand on XX/XX/15. We were told it would be a 4 business day turnaround. Its a week later and we still have not gotten it. We called and they basically said it would take as long as they wanted and they didn't care who was waiting for it. PHH is holding up being able to close this transaction due to their refusal to provide a payoff demand in a timely manner!!!! This is NOT acceptable!!!!!!!!!!! -- -- -- When is the Federal government going to put a stop to this????
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account reported by XXXX ( XXXX XXXX and XXXX XXXX ). The account was reported as a charge-off with an opened date of XX/XX/XXXX, however the debt ( account ) was accrued from an advance payment received for a personally procured move in XXXX. The account opened date reported to Experian and appearing on my credit report is XX/XX/XXXX. The date the account was actually opened is XXXX. My dispute resulted in a " remains '' status, despite the date being inaccurate. The attached XXXX form shows that I exited XXXX XXXX in XXXX, and could not have accrued a debt past that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX, credit acceptance ... ..XXXX, cfpb ; all reference appears to be in the co-signers name, XXXX XXXX instead of the " car owner 's '' name..reidun creamer, my daughter . quite clear is the premise of XXXX 's credit report, and quite clear is the company 's reporting to the credit bureaus ... .however, since CAC ( credit acceptance corporation ) is a high risk consumer acceptance company with 21 % or higher interest rate in Colorado to XXXX, with XXXX as co-signer ; and since duplication of any notices to either parties sent, minus any telephonic inquiries to either party wondering or stating that possibly an error in account numbers may exist and why would reidun buy this car with {$1600.00} down and make no payments whatsoever causing a repossession. If CAC would find presence and premise to show relief from reporting this account as a repossession on XXXX 's account, he can go forward with a VA home purchase. if the negative reporting remains, then both XXXX and XXXX may have no recourse but both filing Chapter XXXX bankruptcy, not using the CAC account as credit going forward. We do believe errors on both side exist, and possibly a solution can be seen to rectify and reward.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the numerous and unsuccessful attempts I have made to correct the late open accounts on my credit report and remove the charge-off accounts. These inaccuracies are adversely affecting my financial well-being, and I am seeking your immediate assistance to address and rectify this matter.

I discovered that my credit report, issued by 3 Credit Bureaus, contained multiple inaccuracies related to late open accounts and charge-off accounts. These inaccuracies do not accurately reflect my credit history and financial responsibilities. I have made several attempts to correct these errors, but they persist on my credit report, causing significant damage to my creditworthiness.

I kindly request that you take the following actions to address this issue : Conduct a thorough review of the late open accounts and correct their status to accurately reflect my payment history.

Investigate the charge-off accounts and remove them from my credit report if they are found to be inaccurately reported.

Provide me with written confirmation once the late open accounts have been corrected, and the charge-off accounts have been removed from my credit report.

Ensure that no further negative impacts occur on my credit report due to these inaccuracies.

I understand the importance of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation as promptly as possible.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your immediate assistance to corrrect or remove the following accounts in my credit file : 1. XXXX XXXX XXXXXXXX Balance Owed : {$26000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

2. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

4. XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Debt collection

The calls come into my phone stated as unknown. When a message is left ( which is not every time ), it is from Synchrony Financial. As an example of call frequency - called 12 times yesterday. In the morning they called 4 times within a single hour. Then approximately once an hour after.
Product: Credit reporting or other personal consumer reports

There was Fraudulent charges on my XXXX XXXX XXXX XXXX From XX/XX/20XXXX XXXX XXXX XXXX Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.