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

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 Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with [ XXXX ], this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX
Product: Checking or savings account

I could not open an IRA account in the branch and was told to do it online. I opened it online ( told it could take up to a week to be opened ) and now that it is open WellsFargo will not give me the account number over the phone ( it is masked online ). I need the account number to roll over my 401k over. I was told I have to wait for my opening deposit receipt in the mail ( another 7 days ) to get the account number. I asked if I could walk in a branch and get the number and they said yes. Now I have to go in the branch and risk being exposed to the Corona virus just to get the account number. I am beyond frustrated. Everyday I wait to get the funds transferred I am losing money and now I have to risk my life.
Product: Credit reporting or other personal consumer reports

. 
Dear Customer Advocate Services Team, I received your recent letter, Ive calling this number for the past of one month XXXX and my problem have never been resolved. I want to emphasize the seriousness of the situation. I received the XXXX XXXX XXXX XXXX ending in XXXX, but I have never used it. Someone is using this card for purchases without my knowledge or consent, and I have no access to the card details or an online account to check transactions. 

I have been made aware that this unauthorized activity is negatively impacting my credit report. This is unacceptable, and I demand immediate action to rectify the situation : Deactivate the Card : Block all transactions on the card ending in XXXX immediately to prevent further unauthorized charges. 
Conduct a Fraud Investigation : I expect a thorough and swift investigation into the unauthorized activity on this card, as I have no information about the transactions. 
Resolve Credit Report Issues : Work with the credit bureaus ( XXXX, XXXX, and Experian ) to promptly remove any inaccurate information related to this account. 
I am deeply disappointed with the handling of this matter so far, and I insist on a swift resolution. Please take these actions urgently to protect my financial well-being.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting 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 : DEPT OF EDUCATIONXXXX - XXXX DEPT OF EDUCATIONXXXX - XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

My credit card was used without my permission for an online purchase at XXXX XXXX and XXXX, where I discovered this from reviewing my account activity before I made my monthly payment ; my card is in my possession. The transaction was dated on XX/XX/2019 where I have contacted the merchant and my credit card company. The merchant advised me to contact my financial institution, where my financial institution declined my dispute stating " it appeared to match my account usage, and the ABA and billing information matched ''. When I contacted the merchant on XX/XX/2019, they advised me that there were many fraudulent orders that was placed on their website, and they are trying to work with the victims like myself. I have reason to believe that my dispute was not filed and only merchant representment was submitted. I have asked my financial institution to provide me with DETAILED information as to why my dispute was filed, and not just a simple " it seems to match what you use your card for ''. I need order information, IP addresses from where the order was placed from, shipping info, contact info, and anything else that was used ; I have not received this info. This transaction was for {$110.00}, where I have to work several hours to make this back up. I REFUSE to pay this amount, because according tot the terms, I would accept responsibility for the charge. I need this reconciled immediately, as I do not want this charge to roll over to my next billing cycle and I am charged interest and it is reported back to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Experian will not let me access my credit report or score because they have locked my report
Product: Debt collection

Im reporting the Apartment ( XXXX XXXX XXXX XXXXXXXX XXXX ) by and the collection agency ( XXXX XXXX XXXX ) for wrongfully charging me {$1600.00} for early termination and XXXX $ for legal fees when I have in-fact not terminated my lease. I have tried to as you will find in the emails I'm uploading as supporting documents- I believe the early termination fees is a wrong claim. I moved out on the last day of my lease XX/XX/2020. They claimed they charged the fee because I did not give a notice, but since they lied about the charge I would like them to remove the charge. The reason I couldn't give a notice is that when I called them to inform of the move out they talked me into extending my lease and offered to reverse the rent increase and I agreed, hence I couldnt have given a notice ( even though I called the office to give the notice as the email will prove ). As you will find in the email I'm sending, I was asked to come in and sign a new lease. This happened during covid and the office was closed every time I went to sign the new lease. Afterwards my car was vandalised which cost me {$850.00} in repair, neighbour pulled a XXXX, dogs without leash, the XXXX in the apartment broke for XXXX and it was not fixed until 2 days to the end of the lease ( ticket completion email was provided to collection agency ), all these and more made the apartment inhabitable, which I reported but nothing was done, so I had to move to my friends apartment at the beginning of XX/XX/2020 but I did not break the lease to avoid penalties. I moved out on the last day of my lease and returned the keys but they refused to do a walkthrough yet they charged me for various things that wasnt accurate like cleaning fridge and oven. All these happened during covid and offices were closed and everyone was on locked down per government advise to prevent spread of the virus. They filled an eviction which they withdrew when I moved out on the move out date on my lease and they charged me for the eviction fees. Also they charged me for trash that wasnt mine, I sent them a photo of the apartment when I moved. The trash was put there by their maintenance guys that had come to renovate the apartment for lease, the picture showed things like paint bucket and wood used for renovation, they agreed to remove this charge but never did. I also have a deposit which was never taken out of the balance they charged. They reported this in my credit and I have tried to dispute but they two companies are trying to frustrate me by denying responsibility and when I speak to the collection agency the agents are rude and they say the charges are valid notwithstanding the facts that there was Covid and the office was closed.
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX contacted my wife about a debt I owe. During this contact, they discussed specific details of my debt with my wife. It is my understanding that this communication is a direct violation of the FDCPA. 
" 15 USC 1692c 805. Communication in connection with debt collection ( b ) Communication with third parties '' Simple research on the internet will show that this company has a history of violating the FDCPA, including multiple class actions.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent the address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries that I have no account for. Please remove them as I have listed them below. 

XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

HERE ARE SOME ACCOUNT NAMES AND # 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 XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX XXXXXXXX : XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charged off as bad debt Profit and loss write-off Car was paid off in full yet on my credit report it is still showing a balance
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED A FEW INACCURATE ITEMS ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had went to a car dealership and I told the people that I was just looking that I didn't actually want to apply, and they still took my information but I told them that I did not want to actually apply. So I look on my credit report and I notice all of these hard inquires that I listed below that I didn't even apply for or authorize anybody to use or run my credit. And the rest of these hard inquires I absolutely do not recognize I already submitted those to the identity theft department. 

XXXX. XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX  )
Product: Mortgage

OCWEN LOAN SERVICE & XXXX XXXX. SHAREHOLDER A schedule appointment for Monday XX/XX/XXXX OCWEN RELATION MGR. 
NEVER CALL ME AT XXXX PM. THIS IS THE THIRD TIME SINCE XX/XX/XXXX. 
TO GO OVER THE NEW PACKAGE SENT IN XX/XX/XXXX. EVERY TIME YOU CALL ASSIGNED OCWEN ( RM ) NEVER AVAILABLE THERE NO LOAN MODIFY YET SINCE XX/XX/XXXX, I APPLY FOR AFFORDABLE HOME LOAN, HARP LOAN. IM XXXX YRS. 
To : " XXXXXXXXXXXX '' XXXX " Relationship Manager '' OCWEN PERSON NEVER CONTACTED ME ON XX/XX/XXXX FOR SCHEDULED APPOINTMENT THIS IS THE THIRD TIME.. 
I CALL IN AND ASK WHY NO. VERY FRUSTRATE .THE RM RESCHEDULED APPT. 
FOR XX/XX/XXXX WHOM WAS STILL NOT XXXX .RM ASK ME WHAT I WANTED. WHEN HE CALL. NEVER WENT OVER PAPER WORK.. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Wed, XX/XX/XXXX, Relationship Manager XXXX wrote : Subject : Important Account Information To : " XXXXXXXXXXXX '' XXXX ; Date : Wednesday, XX/XX/XXXX, XXXX Dear XXXX, Our records indicate you have spoken with one of our Relationship Managers ( RM ) on your scheduled appointment on XX/XX/XXXX. PLEASE PLEASE PLEASE DO SOMETHING ABOUT OCWEN LOAN OR FINANCIAL THIS BEEN GOING ON SINCE THEY TOOK OVER MY ACCOUNT XXXX BUT THEY HAVE FRAUDLENT REPORTED TO CREDIT AGENCY OCWEN LOAN SINCE XX/XX/XXXX FALSE .. XXXX XXXX XXXX THIS NEW LOAN FOR HOME IN XX/XX/XXXX. PAYMENTS ARE INCORRECT. I HAVE MAIL BANK STATEMENT THREE TIME XXXX PAGES TO FL. AND THEY STILL SAY DONOT HAVE.. 
SCAM..NOW THEY WANT TO TAKE THE HOME.. SEE OTHER CASES. XXXX COMPLAINT SINCE XX/XX/XXXX WHEN IT WAS HOMECOMING FIN. THEN GMAC THEN OCWEN. XXXX XXXX INVESTOR. 

From : Consumer Financial Protection Bureau XXXX ; Subject : Your submission, [ Case number : XXXX ] XXXX ; Date : Thursday, XX/XX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my reports. I noticed several accounts fradulent on my credit report. I have contacted all companies listed on my FTC report and they still fail to remove these fradulent accounts off. Please delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

There was many inquiries on my credit report and without my permission XXXX XXXX XXXX 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 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
Product: Credit reporting

I submitted evidence/proof that my account from XXXX was never paid late., and that It was an error on the creditors part. My Bill was paid ON TIME, never late. The creditor failed to apply my funds in the way directed. All parties are aware of this fact. The credit bureau failed to do a proper investigation and refused to remove the incorrect information from my credit profile which has caused personal hardships.
Product: Mortgage

Loancare sold my mortgage loan from there company to XXXX. While my service with Loancare, I made several additional payments to my principal to get my interest lower on my monthly mortgage payment. After several payments, it reduced my interest on my first principal payments by XXXX..increasing my principal by {$29.00}. When my loan was transferred, Loancare transferred the loan as if I never made any additional payments towards my principal. They even changed the first mortgage payment of my loan as a payment calculated off no additional payments. I have record of an official statement they sent before they reversed everything. They later transferred another lump sum of all additional payments I made. The lump sum was sent to the new mortagage lender stating I made the payments later.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> 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 XXXXXX/XX/year> XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I signed up with Experian 's credit monitoring service.

2. Through their credit monitoring service they suggested applying to a card with one their marketing partners so that my total percentage credit used would decrease.

3. They then sent me marketing information about a marketing Sponsor named XXXX which they said had pre-approved me for a Master Card. They used the word PRE-APPROVED, which would imply no hard checks on my credit.

4. Although I was approved for that card, there was nevertheless a hard check on my account.

5. In short, Experian actively encourages users of their credit monitoring service to sign up with one of their marketing sponsors, both by making it appear that having more credit is beneficial to the overall credit score, and then leading people to marketing sponsors like XXXX which claim to have pre-approved them for credit - when in fact the marketing partner still performs a hard credit check, thereby in fact damaging the consumer 's credit rating. 

6. What Experian and XXXX are doing is in fact a fraudulent hard check on my credit.