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

I sent a letter to Open Road Finance In XXXX to validate the alleged debt. In the letter I wrote the number that is on my credit report, that they ae reporting to the credit reporting agencies. 
it has been dismissed as frivolous because they state I provided an incomplete account number, and the claim that the account number on file does not match the return address. 
However, the account number I provided is the same as the one listed on my credit report, which your company submitted to the credit reporting agencies. I trust this should be sufficient to locate the account in question. 
You also indicated that the account number on file does not match the return address, Again, this is another reason for my dispute since I do not believe this is a valid account. I have serious doubts about its authenticity or its association with my personal information. I would like to stress that my dispute is not frivolous. I expect your company to conduct a thorough investigation to resolve these concerns.In accordance with applicable consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies or discrepancies related to my credit report.
Product: Mortgage

i recieved a XXXX cancellation of debt but XXXX refuses to remove the lien and says i still owe them money also XXXX loan i had was refinanced in or about 2008 but they too say i still owe them money and refuse to release a lien i have tried in vein to get this resolved but they have been nasty and have tried to bully me into paying them I found out thru a web search that both XXXX and XXXX are the same company as XXXX bought XXXX
Product: Credit card or prepaid card

I made.a payment of XXXX dollars to my capital one credit card on XX/XX/XXXX. The money was taken out of my bank account and has posted on both my bank account and capital one account. Capital One has put a hold on my card though until the Friday the XXXX, even though they already received my money.
Product: Credit reporting or other personal consumer reports

The company did not validate the account the information reported on my credit report before it was updated.The information that they was reported is incorrect and need to be thoroughly reinvestigated. Creditor os also in violation of TILA Credit also failed to disclose tila disclosure statements and original contract for validation
Product: Debt collection

On XX/XX/2018 Midwest Recovery Systems reported a collection of {$160.00} to XXXX XXXX which resulted in a negative report on my credit report on XX/XX/XXXX. Also, the same with XXXX on XX/XX/XXXX. I have never had any communications to or from Midwest Recovery Systems, I don't know who they are representing or what debt they are trying to collect because as of XX/XX/XXXX, I had ZERO collections on my credit report. This company has NUMEROUS complaints about how it does business and the scam collections they report on peoples credit reports. This needs to stop!
Product: Debt collection

A relative used my social security number without any Identification for medical help. I disputed this collection 6 months ago and it was deleted from all three credit bureaus. Medical Data Systems has once again added the same collection to my credit report.
Product: Credit card or prepaid card

Please see the attached statement. It shows {$590.00} in rewards earned but these were not deposited. I would like these deposited into my paypal account XXXX I have used the card per the terms and not sure why this wasnt deposited. 


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

Unfortunately, I have been a victim of identity theft, and my information was obtained fraudulently to open account accounts and open loans and credit cards, etc. I have reached out to all companies who has been a part of this unfortunate situation with me as a customer, and they all were willing to help me resolve this in which we did, but in regards to this specific company XXXX, Ive reached out to them several times and they refused as part of their investigation to freeze, block, or close the loans or accounts out as fraudulent. They also refused to provide sufficient documentation proof of what was used to approve the loans originally.
Product: Debt or credit management

I am a XXXX customer of Wells Fargo that could not receive an equity line of credit mortgage modification since XX/XX/XXXX. To date, Wells Fargo has never mentioned that this type of loan was not being sold anymore. I was strung alone with non-delinquent Well Fargo 1st mortgage, NC property taxes, HOA fees, property insurance, and utilities. My 1st application was halted between several non-communicating preservation specialists that are not Wells Fargo employees and only one has solicited me for loan services with a different mortgage. My account was placed in foreclosure status and immediately reported to the 3 credit bureaus while Wells Fargo home preservation office was experiencing a reduction of preservation specialist, a merry-go-round of preservation specialist until XX/XX/XXXX. 

My account was reinstated on XX/XX/XXXX, with a dated letter mailed after my Friday, XX/XX/XXXX, credit bureaus inquiries to the Wells Fargo Executive Review Team. Wells Fargo attorney started seeking an extension with XXXX XXXX on XX/XX/XXXX, and it did not receive the courts approval. Wells Fargo Attorney XXXX did not have a hearing or told the courts to remove my XX/XX/XXXX, XXXX court hearing date.
Product: Prepaid card

I received an AMEX gift card. I activated it over the phone. I tried to use it to purchase XXXX gift card reload. It did not work. I contacted customer service for AMEX and no resolution was found. I tried purchasing {$1.00} dollar less than the full value of the card, and this did not work. I then tried other values less than the card and they did not work. A lot of people have this problem.
Product: Mortgage

Hello, I wanted to inform you that i am currently experiencing difficulties with Bank of America during the process of getting a loan modification on my mortgage, its been an ongoing process since last year XXXX up until the end of this year XXXX i have submitted financial information and all required documents but gave yet to receive an official answer which has left me in limbo about how to proceed on my home.
Product: Mortgage

Home Loan was refinanced on XXXX/XXXX/15 with XXXX XXXX, XXXX. 
Loan processing was transferred to Wells Fargo with an effective date of XXXX/XXXX/15 Received a letter from WF dated XXXX/XXXX/15 that our hazard insurance policy had expired on XXXX/XXXX/15 and it was their intention to buy their own policy for the property. 
The hazard insurance had been paid from our previous escrow account with WF on XXXX/XXXX/15 and was/is valid until XXXX XXXX. WF then proceeded to pay our insurance provider the same amount from our new escrow account creating a negative balance and then to adjust our monthly escrow payment On a loan they do n't start to service until XXXX/XXXX/15 ) to make up the deficiency. Attempts to have WF correct this problem have resulted in a response that it is the insurance company 's problem and if/when they receive a refund from XXXX they will update my account.
Product: Debt collection

CRA VIOLATION XXXX XXXX XXXX  ACCOUNT BEEN DELETED AND PUT BACK IN / NO KNOWLEDGE OF THE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's arent allowing me to freeze, lock, or View my credit. Equifax is not updating any information to view. Status is internal lock. XXXX will not allow me to enter my account without forcing a membership. Please help Fix the issue please
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I just received a copy of my credit report and I found those 3 fraud inquiries that shall delete from my credit report. 


XXXXXXXX XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX, INQUIRY DATE : XX/XX/year> Never do any business with those people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a collection in the amount of {$640.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX. I have provided a copy of the check for {$350.00} dated XXXX payable to XXXX XXXX XXXX XXXX XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX1995 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$510.00}, foursight capital llc Account XXXX XXXX XXXX date opened XXXX/XXXX/2021 bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX XXXX Bank. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am writing to you to request that you verify a or debts as required by the fair debt collection practice act. concerning my debt from XXXX XXXX XXXX in dates back from XXXX XXXX I am XXXX and therefore unable to work and have no other income thank you XXXX,
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I HAVE SENT DISPUTE LETTERS LAST XX/XX/24. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY XXXX, EXPERIAN AND XXXX. 

XXXX : This account is not mine. 
XXXX XXXX - XXXX Experian This personal information is incorrectly reporting : Incorrect Name - XXXX XXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect XXXX - XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts ares not mine. 
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  This personal information is incorrectly reporting : Incorrect Name XXXX XXXX XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine. 
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, credit repair services, or other personal consumer reports

Equifax credit reporting company is reporting the account XXXX XXXX XXXX- Account number XXXX in the amount of {$120.00} with no information on the DATE CLOSED. XXXX reporting company is reporting XXXX XXXX XXXX # XXXX in the same amount {$120.00} with the DATE CLOSED AS OF XX/XX/2018. Equifax and XXXX are reporting different information on the same account which is contradicting each other. This is a discrepancy.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Checkr has run background checks on me for XXXX, XXXX, and XXXX. I was denied an opportunity to work for them based on my criminal history. However, I am located in Colorado and the law states as follows : The Colorado Chance to Compete Act initially applied to employers with 11 or more employees. It prohibited asking about criminal history on initial job applications. This has expanded to include all employers, regardless of size. The laws outline that : Job advertisements and applications generally can not state that individuals with criminal records may not apply, except for roles in law enforcement, certain state and federal positions, and other security-sensitive jobs.

Background checks are delayed until the applicant is a finalist or a conditional offer of employment is made.

Decisions can not be based on arrest records or non-convictions. Considerations around convictions must be job-relevant.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. Account : XXXXXXXX XXXXK Account # : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
Product: Checking or savings account

In XXXX when I had open accounts they again opened XXXX more of my accounts which were to be for my XXXX XXXX but termed them again as Personal Accounts and therefore I had XXXX open Personal accounts. They then closed XXXX of my accounts stating that there were fraud activity and only in XXXX they informed me of this but they closed all my accounts with no advice to me. 
I lost my total income and want Wells Fargo Bank to compensate me for my past and future XXXX XXXX XXXX XXXX. 
At present we are still working on this case.
Product: Debt collection

I have an account with XXXX XXXX. Unfortunately I lost my job and I had my first baby and recently gave birth again so I have been having financial hardship. This account though has been harassing me daily calling from different numbers about 7 times a day and recently they some how got a family members number and called them to tell them I had 24 hours to contact them. I dont know how they got their number. I dont appreciate being harrassed daily numerous times. I always paid on time until recently that I've fallen into hardship
Product: Checking or savings account

I had a check stolen from the US Postal box in XXXX Ohio. It was then forged and presented to the XXXX XXXX XXXX in the amount of {$6000.00} in XXXX of XXXX  After apparently cashing this check XXXX recognized it as fraudulent and called to tell me they were marking it as such. 
I then filed a police report and contacted Huntington bank where my account is and was told I would be reimbursed the funds. 

I have now been waiting close to a year for that reimbursement. I have sent countless emails requesting updates to my contact at Huntington and consistently been told that they are waiting for XXXX  to complete their " investigation ''. I'm not sure what there is to investigate when XXXX was the one to initially inform me about the forged check. 

I am not sure if you are the place that can help me with this but if not, could you point me in the right direction?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} Collection XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Collection XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$690.00} Collection XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I am filing this complaint against XXXX because they have ignored my request for reinvestigation since XX/XX/2021 I have not had one response from this company. This company have had 200 days and ( insert 3 of dispute letters sent ) to resolve this and they have failed.
Product: Checking or savings account

Navy federal allows transactions to go through with low balance. Funds do not show up after XXXX payment and charges more fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that has been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, negligent noncompliance with the Act subjects the responsible party to liability for actual damages, as well as attorneys fees and costs.

Upon reviewing my credit report, I identified the following inaccurate information : [ List the inaccurate accounts or items, including the creditor name, account number ( if available ), and the nature of the inaccuracy. ] I have already attempted to resolve this matter through previous disputes and communications ; however, this incorrect information remains uncorrected. This failure to ensure the accuracy of my consumer file and take reasonable steps to investigate and rectify the errors constitutes negligence under the FCRA.

To resolve this matter, I demand that you : 1. Conduct a reasonable reinvestigation into the disputed information, as required by law.

2. Provide me with a detailed response regarding your findings.

3. Correct or delete the inaccurate information if you are unable to verify its accuracy.

4. Provide me with an updated copy of my credit report reflecting the necessary corrections.

Failure to comply with these legal obligations may result in legal action seeking statutory damages, actual damages, and any other remedies available under the law. 

I expect a written response within 30 days, as required by the FCRA. Please send all correspondence regarding this matter to the address listed above. 

Sincerely,
Product: Mortgage

In XXXX of 2020 I called Bank of America to discuss the mortgage deferment program due to Covid-19. I was told that I was allowed to skip 3 payments and it would be added to the back of my loan. To the best of my knowledge I skipped my XXXX, XXXX & XXXX payments. On XX/XX/XXXX, I called up bank of America to let them know that I wanted to exit the program and continue regular scheduled payments. For some reason they collected half a payment from me on XX/XX/XXXX, then they collected the other half of the payment on XX/XX/XXXX and advised me that was for my XX/XX/XXXX payment. Then on XX/XX/XXXX another payment was made and I was advised this was for my XX/XX/XXXX payment. On XX/XX/XXXX another full payment was made, according to my math three full payments were made after I requested to end the forbearance period. I am currently trying to refinance with another lender and they are telling me according to my Bank of America current mortgage statement that it is showing that I have not made a payment since XX/XX/XXXX, which is clearly untrue based on the above events. Also, my current mortgage statement shows that I owe over {$14000.00} to Bank of America to come current with my payments. I tried calling them repeatedly over the past 2 days spoke to over a dozen customer service reps and demanded multiple times to speak to a manager, which my request was never honored.