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

Recently, I researched my credit report, which resulted in tremendous despair. I'm XXXX  and XXXX. This is harmful to my health and a defamation of my character. I discovered unverifiable, incorrect, erroneous, and doubtful data that your agency did not confirm to be 100 percent accurate. In accordance with 15 U.S.C. 1681e ( b ) ( b ) Accuracy of report, When preparing a consumer report, a consumer reporting agency must take reasonable measures to ensure the utmost possible accuracy of the information about the individual to whom the report pertains. 
I am aware t

hat under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general, inaccurate or unreliable information must be treated as such. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an
item of the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall ( i ) immediately 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 ) immediately notify the furnisher of that information that the data has been deleted or modified If you can not supply me with a copy of verifiable evidence within 15 days after the conclusion of your inquiry, you must remove the accounts and/or information specified below. Thank you for your assistance in this case. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX/XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX XXXX Account Number : XXXX Please UPDATE this late payment in my Credit Report. 
4. Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. 
XXXX Account Number : XXXX As a consumer by the law This account must deleted immediately. 
5. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied credit from this Institution, A bill without signature does not imply that the debt is legit anyone may send bill and claim ownership. I am requesting you to send the Contract bearing my signature showing I have legal obligation to pay your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX   XXXX   XXXX   has been close d ( Paid and closed )  and should be removed from my report.  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   (  CLOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED )
Product: Credit reporting 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.

US Department of Edu Acct : XXXX XXXX Department of Edu Acct : XXXX XXXX Acct : XXXX, has violated my rights. 


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.

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: Money transfer, virtual currency, or money service

I have tried to look my PNC account to different services, such as XXXX or other external banks for transfers and it will not link. This prevents me from using the services, as I can not transfer any money to or from them.
Product: Credit reporting or other personal consumer reports

According to The Privacy Act of 1974 and the15 U.S. Code 1681b - Permissible Purposes of Consumer Report explains what a credit bureau can and can not do. I feel these rights was violated. " Theseaccount is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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 designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining 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: Debt collection

In XX/XX/2018 Applied to apartment/ dorm in XXXX  XXXX , CO but I was told that I wasnt approved to move into apartment/ Dorm due to my credit but a few months went by and the balance of a full year worth or rent is reporting on my credit. I never lived or moved into apartment/dorm because I was told that I wasnt approved.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Inaccurate Reporting Dear CFPB, I am filing a formal complaint against transunion for inaccurately updating my credit report. After several months disputing a charge-off account, XXXX added late payments, which is incorrect and damaging to my credit score. This violates the Fair Credit Reporting Act ( FCRA ) as they are reporting false and harmful information. 

I request an immediate correction and removal of these inaccurate late payments. I appreciate your prompt attention to this matter.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally lodge a complaint regarding a significant financial loss I have incurred due to an undue delay in processing a wire transfer by Bank of America. 

On XX/XX/year>, I initiated a wire transfer in the amount of {$18000.00}. Despite confirming the legitimacy of this transaction, the funds have been delayed beyond a reasonable timeframe, causing me substantial financial harm. 

This delay has resulted in a loss of {$85000.00}, impacting a critical investment opportunity. The confirmation number for the wire transfer is XXXX. 

I trust that your office will investigate this matter thoroughly and hold the responsible parties accountable. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX acc # XXXX Amount {$2000.00} I have near heard of this company before. I have not seen this on my credit report until lately. I have no idea what this company does or is. I have contacted them, and they told me they sent emails to me and tried to call me. I have not received any emails or phone calls from this company. I do believe my identity may have been accessed during this time. I have exactly four charges during this time, that I am unaware of. I did not create this account.
Product: Mortgage

Loan Care aka XXXX bought my loan and I started making payments to them in XX/XX/XXXX. I have made XXXX payments to them to date for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every single payment has been applied incorrectly to my account. I made a payment on XX/XX/XXXX to satisfy my XX/XX/XXXX payment. They applied it as a principal curtailment and did n't bump my due date. I called several times to have it reversed and reapplied correctly. They eventually reversed and satisfied my XX/XX/XXXX payment BUT they applied it as of the day they fixed it ( XX/XX/XXXX ) not the day they received the payment ( XX/XX/XXXX ). Made a payment XX/XX/XXXX for XX/XX/XXXX and their automated system confirms they received it that date but they did n't credit my account until XXXX. I made and they received a payment XX/XX/XXXX to satisfy XX/XX/XXXX payment and they applied it as a principal curtailment again. I have called and called these people and nobody can tell me why every payment is applied incorrect nor do they ever fix my account. It is now XX/XX/XXXX and my XX/XX/XXXX payment is late when I made it XX/XX/XXXX. I 've called 6x just in the past two weeks without anyone resolving my issues or answers as to why this is happening. I 'm running out of time before a late fee will be charged for my XX/XX/XXXX payment, which eventually be reported to the credit bureau. They said if it gets to that point they will fix it but they have n't fixed ANYTHING yet. How will they fix a false report to the credit bureau?
Product: Credit reporting or other personal consumer reports

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant XXXX They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Discover regarding the Discover card account ending in XXXX. 
The investigation concluded on XX/XX/year>, asserting no fraud had transpired on my account. I find it both amusing and concerning that the company completed such a serious investigation within a mere XXXX days. Their reliance on public records to verify an email and phone number, neither of which I recognize, seems questionable. Public records, as they suggest, do not guarantee accurate attribution of information to individuals. Furthermore, the company 's defense appears laughable ; conducting my own investigations, I discovered numerous individuals with the name XXXX XXXX spanning from across the US from Florida to as far north as Maine to far west as Alaska, casting doubt on their claims. 

While I appreciate their attention to this matter, I must firmly reiterate that I strongly dispute the information provided and maintain that this account is a result of identity theft. Despite the documentation their investigation provided, I have not authorized the opening or use of this account, nor have I consented to any transactions associated with it. 

The Cardmember Agreement and privacy statement Discover enclosed do not change the fact that I did not initiate this account. Furthermore, while I understand the need to report the account as 'disputed ' to credit bureau reporting agencies, it is imperative that I continue to contest its validity. 

I have to to reiterate regarding the investigation conducted Discover Fraud & Disputes team, I am deeply concerned by the outcome. The details they have provided regarding the verification processes, including the email address and phone number, do not align with my personal information or actions. It is evident that my identity has been compromised, and I urge Discover to revisit the investigation with this in mind. 

I am willing to cooperate fully with any further investigations necessary to resolve this matter. However, I can not accept liability for fraudulent activities that I did not authorize or engage in. 

Please escalate this issue accordingly, and I kindly request your continued assistance in rectifying this situation.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I am now opting out of any and all authorization, I the consumer did not give Equifax, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, nor XXXX XXXX XXXX my written unwritten verbal and nonverbal consent to furnish my information per 12 CFR 1016.7 ( h ) 15 U.S. Code 6802 ( a ) ( 1 ) ( B ) 15 U.S. Code 1681 ( b ). 15 U.S. Code 1681s2 ( 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 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. I want all charge offs deleted for being certificates of indebtedness and late payments removed for being transactions per the Privacy Act of 1974 5 U.S. Code 552 ( a ). I also want all hard inquiries removed, all phone numbers deleted besides ( XXXX ) XXXX due to inaccuracies, have all addresses removed for being a non-mailable address besides XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX, and student loans removed per 34 CFR 99.31 and The Famiy Educational Rights and Privacy Act 20 U.S. Code 1232 ( g ) because my written consent was not given in order for you to release my information. I expect compliance per 15 U.S. Code 6805 - Enforcement
Product: Student loan

I have a student loan with American Education Services ( I used to have it with XXXX XXXX XXXX [ XXXX ] ). The monthly payments are about {$360.00} a month. I could not afford to make the payments and I have called AES numerous times asking them for a compromise. They do not have any alternative payment plans. The operators have told me that it will be reported to my credit report, but they do n't offer any solutions. The loan is over {$9000.00} delinquent. I ca n't afford to pay the delinquent amount, nor can I afford the monthly payment. 

The last phone call with them, on XXXX XXXX, XXXX, I requested the contact information of the lien holder of my loan. The operator told me they were not allowed to give out the lien holder information. She suggested I send a letter to AES and they would forward it to the lien holder. I mailed a letter on XXXX XXXX, XXXX. In the letter I requested the lien holder to roll over my delinquent balance into the loan balance. I also provided pay stubs as well as an XXXX file of monthly expenses. I requested that they lower my monthly payment to something more affordable. It is now XXXX and I have not heard from the lien holder or AES confirming my correspondence. 

I do not think it is appropriate to with hold information about my loan. I also do not think it is proper business practice to continue to charge delinquent fees when I ca n't even pay the monthly payment. I feel as if I 'm in this deep hole and they are making it grow exponentially. I graduated college during the recession, my first jobs were less than 30k a year and it has not improved with the current economy. Now I have a son and growing debt. I am not asking for the loan to disappear, but I am asking for it to become manageable.
Product: Mortgage

This complaint was submitted to Caliber Home Loans customer service representatives, collections representatives, and our XXXX XXXX from Caliber Mortgage. Caliber Home Loans was notified of this error many times via phone, email, and text. Request were made for an investigation of the transactions below ; accurate posting of payments made ; return of stolen funds ; removal of all late fees and any related charges ; and an accurate update to all credit bureau reports. 

Caliber Home Loans has not posted a payment made to our Mortgage account. The payment was made from XXXX XXXX XXXX XXXX on XX/XX/2019 in the amount of {$1500.00}. 

Caliber Home Loans also stole money from the same XXXX XXXX XXXX XXXX account by taking an unauthorized draft of {$200.00} on XX/XX/2019 and did not post the money to our mortgage loan account.
Product: Mortgage

On XXXX XXXX XXXX, I sent a certified letter to Americas Servicing Company ( ASC ) owned by Wells Fargo Bank N/A. I requested the following information, is Wells Fargo the current investor of our note which is located within XXXX XXXX XXXX XXXX. I further requested to know what Wells Fargo role is with XXXX XXXX XXXX XXXX and does Wells Fargo know where our original note and our original deed of trust are located for the above mentioned property. On XXXX XXXX XXXX, XXXX sent us a letter stating, Acklodgement receipt of inquiry. Then, on XXXX XXXX XXXX, ASC sent us another letter stating, we were the servicer of your account. Wells Fargo is the investor of the loan and XXXX XXXX is the trustee. ASC included within the letter a copy of the Adjustable rate note dated XXXX XXXX XXXX, loan # XXXX. A couple days later, I received a call from ASC regarding this issue. I said that we refinanced this loan on XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. I sent ASC the documents to prove that there loan documents are Null and Void. I requested that ASC reflect that this account was transferred to XXXX XXXX XXXX in XXXX and Wells Fargo is not the current investor. On XXXX XXXX XXXX, ASC sent us another letter stating, our records indicate that the account number referenced loan is no longer an active account. ASC further stated, since we are not currently servicing a loan associated with your property, we are unable to provide investor, trustee or servicing information. Now, we already know who our servicer is along with our trustee. I requested to know from ASC which is owned by Wells Fargo Bank if they are the current investor. Wells Fargo may have purchased this Note/Deed of Trust recently! If Wells Fargo is the current investor, we request to have a certified copy of the original note, a certified copy of the original Deed of Trust and a certified copy of all assignments going all the way back to XXXX XXXX XXXX of when this note was sold and by whom. ASC stated that Wells Fargo is the investor and XXXX XXXX was the trustee but tried to use the old mortgage documents from XXXX reflecting ownership of our note! These documents are Null and Void since there was a new lender in XXXX, XXXX XXXX XXXX! ASC still has not answer my inquiry if Wells Fargo is our current investor of our Note/Deed of Trust. Security Exchange Commission does in fact have Wells Fargo Bank N/A listed with XXXX XXXX XXXX XXXX. Wells Fargo Bank also has assets within this securitization trust! Fraud and robo-signing has occurred in the past including within our note and possibly in XXXX loan trust XXXX. Request an investigation into this matter.
Product: Credit card

Hello, My ShopYourWay Mastercard is running a promotion for {$70.00} when you spend {$1000.00} online. Recently I made a purchase of {$1600.00} for a business conference I am going to in XXXX. However, I used the wrong credit card ( my XXXX XXXX ). I called the merchant and asked for them to refund the purchase so I can use my ShopYourWay Mastercard to get the {$70.00} promotional credit. While on the phone with the merchant they advised I could go back online to make the purchase or they could simply take my card number right there. I had a brain lapse and completely forgot about the online piece of the promotion and gave them the card number over the phone. I then called customer service, told them the story, and asked them to make a one time courtesy adjustment given the hoops I'm going through to use the card to get this promotion, and they wouldn't help me, so I am now submitting this complaint in hopes that you'll help. Just so you can see I am not making up some looney story, I attached a screenshot of my XXXX XXXX - still awaiting for the credit to hit. I've also attached screenshots showing that making the purchase online is clearly an option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or adjust the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX