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

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 DDUpon 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 Reported : XXXX XXXX, XXXX + {$5800.00} Closed XXXX/XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3100.00} Closed XXXX XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I disputed errors on my credit report with XXXX and Equifax, XXXX. XXXX stated they could not dispute my credit so they didnt do their job and ignored my request. I never heard back from Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed an inaccurate account with Experian credit, Bureau,, the account was XXXX XXXX XXXX, # XXXXin XX/XX/XXXX they replied back saying the account was verified. onXX/XX/XXXX I sent Experian a certified letter asking for they METHOD OF VERFICATION, ,i am a  consumer and I have rights to see and know how they verified the alleged account,, I have copies of the certified mail receipt and I enclosed the letter I sent to Experian on XX/XX/XXXX, they received the certified letter on XX/XX/XXXX On XX/XX/XXXX Experian sent a notification to me saying they have completed the investigation on the XXXX XXXX Account # XXXXsayng it was verified, I am a consumer and I have rights and its not fair they Experian can investigate the account and not send me what I requested on XX/XX/XXXX.. I have a copy of the letter I sent to Experian asking for the METHOD OF VERFICATION, THEY HAVE VIOLATED MY RIGHTS AND REFUSED TO SEND ME THE METHOD OF VERFICATION TO ME AS I ASKED,,, THIS IS NOT RIGHT FOR THEM TO NOT SEND ME THE INFORMATION I ASKED FOR, EXPERIAN NEED TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE,,,, I HAVE RIGHTS TO SEE THE PROCEDURES OF THE METHOD OF VERFICATION ... .IT IS AGAINST THE LAW AND I AM GOING TO FILE A SMALL CLAIMS IF THIS ACCOUNT IS NOT REMOVED FROM MY FILE,,, EXPERIAN HAVE VIOLATED MY RIGHTS,,, I AM ENTILTED TO SEE THE METHOD OF VERFICATION ... THEY ALREADY HAVE FAILED TO SEND ME THE PROOF OF ORIGINAL CONTRACT WITH THE ACCOUNT THIS IS MY LAST LETTER ASKING THIS ACCOUNT NEEDS TO BE REMOVED,,, I AM GOING TO MY COURT HOUSE AND FILE A SMALL CLAIMS FOR THE NON-COMPLIACE WITH EXPERIAN,,,,
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 is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : [ XXXX XXXX XXXX XXXX XXXX XXXX  ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Checking or savings account

XXXX was to process credit cards for a 2 percent fee was never granted access to withdraw funds from account. no other fees were to be charged closed buisness on XXXX account was only used for deposits of social security. deposit records show this.branch bank did not address change to mailing address so was not aware of unauthorised withdraws till XXXX. so monies from social security were taken i nave received no court orders to allow funds to be taken from account
Product: Money transfer, virtual currency, or money service

Coinbase is using the guise of XXXX holds to illegally manipulate their share of the exchange market by restricting the transfer of funds off the platform. In amounts of less that XXXX $ per transaction, the ACH and initiating bank confirm complete as many as XXXX business days before funds are released for full transfer. This artificially inflates their reporting, causes fees to consumers, and coinbase charges fees for transactions that they make interest off of until released for full trading. They have already lost a lawsuit to SEC and there is a mountain of consumer reports on XXXX. Some reports list holds as long as 45 days. Coinbase claims security practices and company policies but really its downright fraud. They also do not have support systems in place capable of supporting a financial institution violating XXXX, XXXX institution, XXXX and XXXX compliance regulations. 

Coinbase support case XXXX attempted resolution and remedy from the company but they continue to be deceitful and deceptive about their shady business practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on my credit reports items that do not belong to me and I have no knowledge Of them and need them removed immediately.
Product: Mortgage

I submitted a Qualified Written Request to Wells Fargo Home Mortgage. I am attempting to obtain information about my FHA loan that is serviced by Wells Fargo. The request was sent as I have received conflicting information regarding the true investor is for my loan. Wells Fargo failed to provide any of the required documents per RESPA and Truth in Lending.
Product: Credit reporting or other personal consumer reports

I asked the company to validate the debt. I also asked the credit bureau to investigate it. The company sent me a letter saying that they could not validate the debt, but the credit bills still put it on my credit they could not validate that this account was mine, but XXXX XXXX XXXX. XXXX has it on my credit and I asked him how did they validate this information if the company that is reporting can not validate that this is my debt
Product: Debt collection

Today I received a letter from XXXX XXXX XXXX saying credit that on XX/XX/2018 Your XXXX XXXX XXXX XXXX  was sold to XXXX XXXX XXXX. And the account has been transferred to pre-legal department and they are considering forwarding the account to attorney for possible litigation. This people are threatening me and violating my rights. Since I did not sign any contract with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Dispute of Bankruptcy Ref # Ref # XXXX XXXX ) 1st dispute ( Verified ) XX/XX/2022 XXXX ) Request of verification XX/XX/2022 - Response by Experian Verified via XXXX Request for investigation with XXXX resulted in Deletion from report as Unverified XX/XX/2022 XXXX ) Re-dispute with Experian ( Verified XX/XX/2022 )
Product: Debt collection

Klima Peters & Daly PA has contacted me regarding an alleged debt. I sent a cease and desist letter, and an .Affidavit of Truth. I sent an second cease and desist advising Klima Peters & Daly of violating my rights as a consumer under 15 USC 1692 g,
Product: Credit reporting

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/XXXX 2017 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 XX/XX/XXXX 2017 and they completed the request on XX/XX/XXXX, 2017 and XX/XX/XXXX 2017. I also disputed these same inquiries on XX/XX/XXXX, 2017 and on the same day XX/XX/XXXX,2017 the investigation was completed. 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, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states 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 also 1 day after the receipt of my certified letter and online dispute, 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 and are FRAUDULENT. I did not sign for anything. I also sent in a police report. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit card or prepaid card

I have a credit-card with Bank of America and have NEVER provided them with my direct mobile number on my phone. I always use another number to ensure that my private mobile number is not reported to credit agencies or other data sharing or selling companies. When I called in for help with an issue, Bank of America said they needed me to validate my identity by them sending a code to my phone. I agreed, but then was shocked to find they sent a message to my private number I had NOT SHARED with them. When I asked them how they got the number, I was informed that their mobile app must have got the number of my phone and provided it to them. The application never gave any notice that it would share my phone number with the bank. Trying to work with the bank to have them remove the number has been unsuccessful because they claim that they do not see the number of my profile/account. However, it still shows up as the number to confirm my identity in their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on this account is grossly inaccurate. I have asked the credit bureau to investigate and validate this debt and furnish the following : 1. Original Contract 2. Payoff Disclosure 3. Interest rate disclosure 4. Valid and correct Balance history 5. Valid and correct payment history 6. Proof of credit insurance None of the information requested has been furnished and provided to me by the credit bureau and the debt listed on my credit report is grossly inaccurate and should be removed according to the law. 


The account number on my credit report for this account is : XXXX Current law states the following pertaining to the XXXX of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from GM Financial stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and GM Financial is still reported that I had a balance on my loan two months after my loan was paid in full and GM Financial sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my GM Financial loan that the balance was still owing but that I was now 60 days late for bothXX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan inXX/XX/XXXX andXX/XX/XXXX. These reports are incorrect but GM Financial refuses to update their records and the 3 credit bureau 's are not updating their records either.
Product: Mortgage

This is a follow up to complaint numbers : CFPB # XXXX, XXXX, and XXXX ( filed under my former last name XXXX ) against Bank of America and XXXX XXXX. Both companies indicated in XX/XX/XXXX that they would submit and correct my credit report. Bank of America indicated that they would correct my credit report to reflect that the accounts were paid as agreed via short sale in XX/XX/XXXX. I learned today after applying for a loan, that my credit report still shows me owing Bank of America and in the amount of over XXXX dollars!!! I have no idea what this loan is for and it has the same loan number as the one paid under the short sale. 
XXXX XXXX should also be deleted from my credit report. I feel that Bank of America is continuing to harass me and purposely putting incorrect information on my credit report. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Status of this account is Showing Paid or Paying as agreed but it also show XXXX payments that should not be reflecting on my Credit Profile and I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX, Transunion file Pursuant to My Fair Credit Reporting Act.
Product: Mortgage

I have had issues with Vanderbilt mortgage for several years but the first of 2016 I attempted to get a Reverse mortgage and I was told by a loan officer that as long as I was in a RM I let XXXX go by so that put me in arrears. I was given a loan rep and she said that if I made my payments on time then she would see to getting me a extension, she did not. I have been making my payments ontime and they have accepted them. I sold the house and property and we were due to close on XXXX XXXX. The loan officer for the buyer l called Vanderbilt today she was even given my personal financial information and I lost the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

LETTER IS ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX Ameri Save XXXX GA CFPB Complaint Id : XXXX THIS IS A FURTHER FOLLOW UP FOR MUST REMOVE / XXXX  OF EXCESSIVE INQURIES RAN ON MY ACCOUNT EXCESSIVE, UNAUTHORIZED, UNAPPROVED, HARD INQIRIES ON MY CREDIT ACCOUNT IMMEDIATE REMOVAL / XXXX  REQUIRED EXCESSIVE, UNAUTHORIZED, UNAPPROVED HARD INQIRIES ON MY CREDIT REPEATED EXCESSIVE HARD INQURIES RAN ON : SPOKE WITH XXXX XXXX AND XXXX ALSO AGREED THAT INQUIRIES ARE EXCESSIVE RAN AND I NEED TO HAVE AMERI SAVE COOPERATE TO REMOVE/XXXX XX/XX/XXXX XX/XX/XXXX COMPLAINT AND FOLLOW UP : XXXX. 
XX/XX/XXXX through XXXX CFPB Complaint ID : XXXX XXXX. 
XX/XX/XXXX XXXX TO Ameri Save 3. 
XX/XX/XXXX XXXX TO Ameri Save 4. 
XX/XX/XXXX VIA CFPB SUBMITTED FEED BACK YOUR COOPERATION TO REMOVE / XXXX XXXXS REQUIRED NOW
Product: Mortgage

Due to the hardships endured during the coronavirus pandemic, I requested a forbearance on my current mortgage. The forbearance has been accepted and I am currently still in it. The mortgage provider offered a loan modification with a lower payment but increased the term to 40 years. I am currently a XXXX male, and do not er on XX/XX/XXXX, attempting to reach my single point of contact representative XXXX XXXX, which has proven to be impossible up to this point, as she has yet to answer my calls directed to her and her number has no voicemail attached to it ( XXXX ext. XXXX ). Unable to reach XXXX XXXX, I spoke to a representative named XXXX in regard to the loan modification offer. I clearly stated repeatedly that I had no interest in the loan modification offer and requested to continue with my current loan payments and requested to have the deferred payments moved to the end of the loan and spread out over time ( approximately 24 additional payments ) to ensure repayment amount would be affordable ( not a balloon payment ). In addition, I requested the current rate of 6.25 % be lowered for the remainder of the loan. The loan modification offer included an interest rate of 3.125 %, so in my mind 's eye the lender is clearly capable of lowering the interest rate to be in line with current loan rates, as my loan is XXXX XXXX XXXX now and interest rates were higher at that time. XXXX assured me the information would be given to XXXX XXXX for review and a representative would be getting back to me. I had not heard anything by XX/XX/XXXX, and I attempted to reach XXXX XXXX by phone again and was not successful. I was able to speak to a representative named XXXX, and I went over the same conversation with him as I had with XXXX on XX/XX/XXXX. XXXX informed me that it would take approximately 30 days to receive an answer to my request. I finally received information in the mail on XX/XX/XXXX. The document dated XX/XX/XXXX states that I have not made the payments to the flex modification offered to me by the lender. I have clearly stated to the lender in two separate conversations that I am not interested in the flex modification for 40 years. I clearly stated my intentions are to continue with my current payments and defer the missed payments to the end of the loan. This is not what is being offered to me. In addition, my escrow account has grown short, due to increased taxes and hazard insurance premium increase. My intentions are to pay the escrow shortage in a lump payment in an effort to keep my monthly payments in an affordable range and resume making payments where I left off in XX/XX/XXXX. I attempted to reach XXXX XXXX today to discuss this matter and my options, and once again no answer to my call, and no voicemail to leave a message and request a call back. Assistance from the CFPB in this matter will be greatly appreciated as well as much needed. Thank you for your time and efforts with this matter. My name is XXXX XXXX. My property address is XXXX XXXX XXXX XXXX New York, XXXX. 
My loan is through XXXX XXXX, loan number XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX and Transunion do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to XXXX, XXXX and Transunion ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), no consumer reporting agency may take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services
Product: Vehicle loan or lease

Original Complaint : XXXX Wells Fargo Dealer Services hasnt allowed me to log into my car loan account since XX/XX/XXXX. When they admitted they did a repossession in error. They towed my car incorrectly ( XXXX with wheels on ground ) and damaged the vehicle in the tow and then reversed their decision near the end and sent me a check which didnt make sense or add up. 

Now, this month, XX/XX/XXXX - Ive been paying my car loan by calling this number ; XXXX and the system isnt allowing me to pay again - its not recognizing my account number or my social security number to pay. My concern is another error on their part and with all of this systematic failures they had last year I think CFPB should know how hard theyve made it for me by not allowing online access to my accounts, paperless was my original option so I dont have statements coming to address. Id like Wells Fargo to 1 ) make the original repossession in error admission stand 2 ) give me reimbursement for the damage to the car 3 ) allow me online access to my account 4 ) sent paper statements to my home XXXX XXXX XXXX XXXX XXXX XXXX, CA 5 ) Allow me to pay my monthly loan amount 6 ) apologize for all of this undue stress due to their systematic failures. Attachment is odd, they send me an email indicating I can log in yet I can not access the account, it only has a Wells Fargo credit card ever since repossession in error occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. I sent them a certified letter XX/XX/2021 and got noticed that they received it. Pursuant to 15 USC 1681a ( XXXX ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under XXXX XXXX XXXX XXXXXXXX. Your office is on notice you have 30 days.