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

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.2
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received letter from American Coradius International LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, dated XX/XX/XXXX and received XX/XX/XXXX ; stated I had a XXXX, XXXX balance as of XX/XX/XXXX. 
This communication is from a debt collector. Total amount of debt owed : {$91.00}. This is the very first time of being made aware of this debt ; this is not my debt. Do not know what this charge is for???? 
Returning letter back XX/XX/XXXX, to dispute charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulent made without my consent. Please remove these accounts from my report. 

XXXX XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$290.00} XXXX   XXXX {$49.00} XXXX  XXXX {$680.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00}
Product: Credit reporting or other personal consumer reports

I sent a letter on to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX APT XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX  Balance : {$4500.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$780.00} ; XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$740.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Product: Bank account or service

I have an online bank account with HSBC. My ATM cards have been deactivated. 
I called customer service and they informed me I needed to re-apply for an ATM card ( this is for a savings account! ) because they are now using chip cards. After twenty minutes confirming my information, they said a new ATM card would be mailed to me. I have had no access to my accounts during this time. I was told I could go to an HSBC branch and could access my accounts while waiting for new ATM cards. After 10 days, I attempted to go to the a physical branch. I was told that I can not access my accounts at the branch, only online. I ask if they could issue me temporary ATM cards, or help me in any way. I was told everything must be done through customer service via their phone number ( which is NOT is the US ) or online. When you try to address issues online, you are again told to call customer service. 
It has now been over two weeks and I have no access to my accounts and have not received my cards, and have been told by customer service to " keep waiting ''. I am very frustrated that an account that purports to be HSBC has no means to address customer issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so uncertain. I've submitted this complaint 4 times already & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 and XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just filed a complaint with equifax and they said they need 60 more days to research but they said completed their research. They received the letter XX/XX/21 that is over the 30 day day period. Per the fair credit reporting agency the research should not take more than 30 days. There research should be done. They are stalling. They are not properly researching they are keeping items on my credit report without proper research. The research should be completed in 60 days because of COVID. They should not get an additional 60 days. I asked them to provide the information of where they got the information per the fair credit reporting act and they never send it they have no regard for the statue. They have bankruptcy on my report they said they got from XXXX but it is not on XXXX  report. 

They keep saying they get their public records from XXXX and the bankruptcy they have on my report is not on XXXX consumer report. I attached my XXXX report from XX/XX/21 and XX/XX/21 to show it is not on my report. They are breaking fair credit reporting act. They should not get 60 mores days which means they will have 120 days of research time. They are stalling while continuing to negativity affect my credit report. They should only gave one more week which makes the tome 60days. I attached letters and reports.
Product: Debt or credit management

I was reported by uplift as having XXXX open loans in XXXX of 2023 that were not accurate to my history. I lost XXXX points in XXXX for the reported multiple loan 's not acosiated to me. I have been in contact with uplift and verified its inaccurate and they have a dispute filed also. I have been told uplift as of XXXX now reported to XXXX credit reports and the information was wrongly reported multiple times in my credit score. I would like to inquire about this as well as my points described above as a major impact on my account and if it would be corrected and if I will get my credit score back now. Uplift claims to report every XXXX  days yet its XXXX  months later they have added wrongly, why?
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account XXXX, with XXXX  XXXX due to the account information being incorrect. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent in dispute requesting and investigation of the items they said were verified by creditors it has now been way over XXXX  days and I they have not supplied evidence of the supposedly verified account. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since being it is well over XXXX  days they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also involved in the XXXX data breach and May have gotten into the hands of the wrong person. My information was also involved in a cyber attack whereas my information had been compromised as well.
Product: Mortgage

LOANCARE, XXXX. XXXX XXXX, XXXX, VA is an absolute nightmare to work with. My home loan was sold from XXXX to this company and the experience has been absolutely terrible. I have never had an issue before contacting XXXX either by phone or online and have had zero issues with that company or making my home loan payment. 
I can not say the same for LOANCARE. I have not been able to contact them by phone or any other method in order to establish payment or create an online account with them to pay or check my account. This company is an absolute nightmare and the problem is compounded as I am at their mercy since these loans are bought and sold at whim it seams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on temporary XXXX ; and went into a XXXX Pay Status at work. I have been in contact with USAA/XXXX the entire time. I made a payment arrangement with the mortgage company so that my mortgage would be paid and there would be no issues. USAA/XXXX agreed to keep showing my account as current without any negative comments. My credit reports are showing XXXX late payments and this is having a very negative impact on my credit. I contacted USAA/XXXX again this week, and spoke to a representative, who assured me that the late payments would be corrected. I have filed disputes with all of the credit reporting agencies : XXXX XXXX XXXX XXXX. However, the incorrect, negative information remains on my account. Thank you.
Product: Checking or savings account

in mid XXXX I enrolled with Chase Bank because of the {$220.00} promo, and the fact my grandkids loves XXXX. Florida may get a visit but XXXX sure wont because Chase and/or XXXX ran this promotion to receive a XXXX card and a promo of {$220.00} after 14 days of having this bank account, instead i was lied to and scammed into enrolling into a new account with XXXX Rewards and a Promotion for {$220.00}. I finally receive a the XXXX bank card but no promo ... Each time I call about the situation I'm given another excuse... Finally a month after my account being closed and reopened because of fraud, now I am told that I will not receive a promo because it wasn't entered in the system by a banker which is not my fault no that is their issue and it should have been honored if i was mislead misquoted then most banks would have honored the mistake but Chase XXXX Dollar Chase would not honor a {$220.00} promo that they created to SCAM people like me, who have grandkids and kids that love XXXX yet they are causing me to rethink everything about XXXX and Chase being they are partners if XXXX knows about the allows Chase To SCAM their customers then XXXX is just as guilty as chase because I opened up this account for the XXXX rewards and I have yet to receive the {$220.00} that was DISPLAYED ON THE WINDOW OF THE BANK. Which is now removed, but 10 min up the road in our downtown area a new chase was just built and what do I see in the window a {$220.00} promo offer for opening up a chase bank account... Either I did not receive my promo because of my complexion or because this scam was predesigned to control the kids minds then control the parents... .but I am owed XXXX $ for a promotion ... that chase and XXXX scammed me into leaving my 6 year account with XXXX just to leave my grandkids and myself MIA ... .Learning Lesson... But We Will Fight This through the until the end, and all of these companies will lie to you, with the truth in plain sight
Product: Mortgage

XXXX XXXX  sold our mortgage to AmeriHome Mortgage. We have a XXXX mortgage. AmeriHome has our Escrow set for property taxes over XXXX dollars a year. Our actual property taxes are just over XXXX  a year. This makes our monthly payment way more than it should be. I wrote a letter to their office with our actual tax amount and ask them to reduce the Escrow amount. This was over two months ago and I've heard nothing. I've called at least six times. Each time I'm assured that the problem has been resolved, and yet my monthly payment remains the same. I called two weeks before our XXXX payment was due and the person on the line said that they were going to get rid of the Escrow altogether, and we could just pay our taxes and insurance on our own. I agreed to that and asked him what our payment would be for XXXX. He said just over XXXX dollars until they could get the Escrow taken off. We sent XXXX to be safe. We just got a letter saying that our payment was XXXX short. In other words, they still have our Escrow at what it has always been. This in spite of the fact that at least four different people have assured me that the problem has been resolved. I am sorry that I haven't kept track of the exact dates of the calls, but Amerihome should have a record of all of this. I'm also somewhat confused about the actual amount I owe because I keep getting different information from each person I talk to. One tells me that the Escrow will be adjusted. The next tells me that it will be taken off altogether. I don't know what to do. I don't want to keep sending them way more money than we owe, but I can't get any help.
Product: Credit reporting or other personal consumer reports

My information has been stolen and used without my permission, consent, nor my knowledge whom ever stole my information applied for Auto loans, credit cards, and many other items, here a list of unauthorized inquiries that was made on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All the above listed inquiries are unauthorized and was done without my permission, permission, nor consent and must be deleted from my credit report with all credit bureaus under these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. I sent letters to Equifax Credit Bureau thedate of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I received multiple emails stating I had opened an account with CARD, my password was changed, a verification code was sent, a card was ordered, and a card was shipped. I reached out with multiple emails and never received a response. I tried to call but I can not reach a person because my SSN and zip code do not match what they have on file. They clearly have my name and email and am concerned someone has opened an account in my name but can not get ahold of anyone at this company to find out. It has already been over a week!
Product: Mortgage

CFPB Complaint XXXX : Wells Fargo Violations of CFPB XXXX XXXX XXXX Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, # XXXX, Washington, DC XXXX Loan No. : XXXX Complaint XXXX. On XXXX XXXX, XXXX, the XXXX provided supplement documentation in connection with his pending loan modification application via email. XXXX XXXX XXXX. As you will see from the supplemental submission, the XXXX provided pay stubs to support his income. 
XXXX. On XXXX XXXX, XXXX, Wells Fargo prepared a denial letter. XXXX XXXX XXXX. The denial letter erroneously calculated his monthly gross income as {$14000.00} when his monthly income is significantly less than that amount. The amount of {$14000.00} represents the gross income for his business and not his personal gross income. 
XXXX. On or about XXXX XXXX, XXXX, XXXX XXXX requested an appeal of the XXXX XXXX, XXXX decision stating that the amount of {$14000.00} represents the gross income for his business and not his personal gross income. XXXX XXXX made the request for Wells Fargo to re-calculate his loan modification application by utilizing his gross monthly income of {$4200.00}. XXXX XXXX XXXX. 
XXXX. When XXXX XXXX refused to re-calculate his loan modification by utilizing is gross monthly income of {$4200.00}, he then escalated his request to the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX investigated the matter and, as a result of the investigation, Wells Fargo still refused to property review his loan modification with the correct monthly income of {$4200.00}. XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX that Wells Fargo approve XXXX XXXX for a loan modification that would have been available to him in XXXX during the time period that his application was pending ; B. Impose appropriate statutory remedies that are available ; and C. Award attorneys fees to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Validate Account 1.XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 5 Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
8.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
9 Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.