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

This list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 
XXXX  XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.

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

I pulled my credit report and I saw XXXX XXXX  for XXXX  XXXX  XXXX two companies that I have never done business with. This is result of identity theft and I would like it handled immediately
Product: Mortgage

MEMORANDUM TO : OCWEN LOAN SERVICING, LLCESCALATIONS DEPARTMENT, XXXX. XXXX XXXX, XXXX XXXXFROM : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXREGARDING : ACCOUNT # XXXXWe are writing this letter to appeal the decision for a denial of a mortgage loan modification reason : our loan has already been modified under ( HAMP ). The mortgage was not with Ocwen at that time we received the modification. The mortgage was a variable mortgage and we wanted to get a fixed mortgage so that we could afford the payments. 
Three years later we are still trying to get a modification even though it can be temporary for 6 months or a year as your modification application states. I am unemployed at this time and would like for the payments to be a little lower, or course, foreclosure and short sale is not an option we plan to keep our home. 
We have spoken to Hub approved counseling agencies for these reasons. 
I applied for an unemployment deferment or modificationYou failed to send me an appeal period allowing me time to dispute the decision. 
I pray that this appeal will be what God intends it to be and you would take into consideration for a deferred modification, temporary modification due to unemployment. 
Please find enclosed : Unemployment award letter ( XXXX ) -2 months Statement of earnings, plus Social security XXXX for ( XXXX ) Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters and FTC letters to XXXX XXXX on several occasions informing them that the stated account do not belong to me. XXXX  XXXX have proceeded to ignore my disputes and complaints. So I need your assistance in getting this matter taken care of.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

I had a Wells Fargo account between XXXX and XXXX. I cant remember exact dates, but I was looking into if I had anything to claim.
Product: Credit card or prepaid card

Today XX/XX/2020 I received a US BANK Relia card in the mail. I did not apply for any such card and my identity was stolen a couple years ago so I know this is fraud. I tried to call company number but I could not speak to anyone without the automation trying to get me to activate card. I just want to be sure card and account is marked fraud and closed. Please help me. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4
Product: Student loan

I hope this letter finds you well. I am writing to bring to your attention a concerning discrepancy I have encountered with my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX tracker. I have diligently been monitoring my progress towards loan forgiveness, and I recently noticed a significant error that has left me confused and anxious about my future eligibility. All payments prior to XX/XX/XXXX are not showing in the payment history and counting towards my XXXX 

Originally, as of XX/XX/XXXX, the XXXX tracker indicated that I had XXXX qualifying payments left before achieving loan forgiveness. However, to my surprise, the tracker now reflects that I have XXXX payments remaining. This discrepancy has raised considerable concerns, as I have been making consistent efforts to ensure the accuracy of my payments and stay on track with the XXXX program. 

In my pursuit of resolving this issue, I have taken the necessary steps to ensure my eligibility. I have submitted the XXXX form multiple times, as my employer, XXXX XXXX XXXX XXXX, does not facilitate electronic signatures and requires manual submission. I have been continuously employed as a XXXX teacher with XXXX XXXX XXXX XXXX since my start date in XX/XX/XXXX. Throughout my tenure, I have maintained an unbroken service record, without any interruptions or gaps in my employment. 

Based on my own calculations, I should have approximately XXXX qualifying payments remaining towards achieving loan forgiveness. I understand the importance of accurate tracking within the XXXX program, and I am committed to fulfilling all requirements in order to receive the loan forgiveness I have been working towards. 

Given the significance of this matter and the potential impact on my financial future, I kindly request your prompt attention and resolution of this issue. I am open to providing any additional information or documentation that may be required to rectify the error and ensure the accuracy of my XXXX tracker. 

I am grateful for your understanding and assistance in resolving this matter. Your guidance will provide much-needed clarity and peace of mind during this uncertain time. Please advise me on the necessary steps to rectify this situation and continue progressing towards my goal of loan forgiveness. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I sent a wire transfer for the payoff amount provided by loan depot on their payoff request statement in the amount of {$13000.00} on XX/XX/2023 at approximately XXXX XXXX cst as per their instructions with the proper documentation. 

On XX/XX/2023 I was notified by a loan depot representative that I needed to wire an additional {$1500.00} to satisfy the loan. 
So wired the additional {$1500.00} on the same day XX/XX/2023. 

I was then told by a loan depot representative on Friday XX/XX/2023 that the funds had been received, however, the funds had not been applied to the loan. 

I proceeded to ask for the funds to be applied to the loan. The loan depot representative responded and stated the funds would then be applied and I should receive a letter showing the payoff to be completed within XXXX business days. 

One week later on Friday XX/XX/XXXX, I called to check the status of the loan as I had not received notification of the loan being paid off but a late payment notice. The loan depot representative assured me the funds were being applied and to not worry about the late notice. 

Today, XX/XX/2023, at XXXX cst. I called to check the status of the loan and the representative said I needed to request a new current payoff amount and wire that full payoff amount as they rejected my original wire in the amount they asked me to pay. I notified the loan depot representative that I had not received any of the the money ( {$15000.00} ) back I had wired. 

I proceeded to ask when they sent it back and the loan depot representative could not answer. 

I am sitting in my bank now with all of the paperwork from both wire transfers and the bank verified the funds have not been returned or rejected. 

I feel like I have done everything correctly in including sending multiple wire transfers at {$20.00} each due to what appears to be their mistake. I have been robbed of {$15000.00} and am powerless to do anything about it. PLEASE HELP!!!
Product: Checking or savings account

have a checking acct with them for over 12 years. can not sign on all of a sudden. Nobody to help. Hold times are over XXXX hour. Local branch never returns calls or messages. Want my small balance of XXXX mailed to me via check. Customer service is not available. Want them to close acct now and send check. Cant access my acct to even get acct #. Spoke to lacal branch last week and rep said they would send a link to update sign on, never got it.
Product: Debt collection

I have now received 2 collection letters from a law firm in XXXX XXXX, TX regarding 2 unpaid parking tickets. Offense dates were XX/XX/XXXX and XX/XX/XXXX and reference a vehicle I did not own. After the first collection letter in early XX/XX/XXXX, I was told by the agency that I must contact the city of XXXX XXXX to get myself taken off the list. I did contact the city and after reviewing my documentation the city agreed I did not own the car and that I would be removed from the complaint. The city sent me an email on XX/XX/XXXX releasing me from liability. The second collection letter was received XX/XX/XXXX threatening to boot or tow my car if I did not pay the fine plus penalties
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen multiple accounts have been opened using my name and social security, I have disputed this issue with Experian with no result, Spoke with XXXX on XX/XX/2021 at XXXX, he informed me he could not provide the full account numbers on my report. I explained that I wanted to compare statements and account numbers between all three reporting companies BECAUSE ALL 3 companies ARE REPORTING DIFFERENT INFORMATION, ACCOUNTS THAT ARE CLOSED on XXXX  AND XXXX  RELATED TO FRAUD ARE REPORTING OPEN ON EXPERIAN, I tried to dispute on line at EXPERIAN, and IT TELLS ME TO CALL EXPERIAN TO DISPUTE AND I CALL AND XXXX TELLS ME TO CALL THE CREDIT CARD COMPANY WHICH I HAVE DONE WITH NO RESULTS. I have sent letters of validity to each credit card THAT IS FRAUDULENT with no response from the companies for the accounts I am questioning.LETTERS NOW ARE OVER 30 Days. I sent CERTIFIED. 

I HAVE A RIGHT TO COMPARE CREDIT CARD NUMBERS WITH EACH REPORTING AGENCY TO MAKE SURE THE ACCOUNTS MATCH MY CREDIT CARDS AND NOT THE FRAUDULENT ACCOUNT NUMBERS AND BALANCES ARE CORRECT. 

CREDIT CARDS NUMBERS CAN BE DIFFERENT BY 1 NUMBER SO I HAVE A RIGHT TO KNOW THE ACCOUNT NUMBERS IF THEY ARE UNDER MY REPORT> XXXX  PROVIDED THE NUMBERS-THEN WHY CANT EXPERIAN YES XXXX  GAVE MY THE FULL ACCOUNT NUMBER FOR EACH ITEM ON MY REPORT TO CLARIFY AND VALIDATE WHAT IS MINE, WHAT IS ACTIVE AND HAS BEEN CLOSED and TO VALIDATE THE FRAUDULENT ACCOUNTS. 

EXPERIAN HAS CAUSED ME STRESS AND ANXIETY AND HAS BEEN OF NO ASSISTANCE- YES I HAVE SENT EXPERIAN THE POLICE REPORT, MY IDENTIFICATION TO VALIDATE MY IDENTITY. 
I NEED ASSISTANCE IN OBTAINING THE FULL ACCOUNT NUMBERS
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate removal of several hard inquiries listed on my credit report. These inquiries are inaccurate and were not authorized by me, and they are negatively impacting my credit score : Inquiry from XXXX XXXX on XX/XX/2024. I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX There are multiple inquiries within one day of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/. There are multiple inquiries within one day of each other on my credit report, but I only authorized one of them. Please remove all these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/. 
My credit report shows multiple inquiries all within one day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX 
My credit report shows multiple inquiries all within one day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX 
My credit report shows multiple inquiries all within XXXX day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX 
I am a victim of identity theft, and I never authorized this inquiry. 


Under the Fair Credit Reporting Act, I have the right to dispute any incorrect or unverifiable information. I have already initiated this process through your online portal, but the lack of timely action is unacceptable. I expect you to act promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I am contacting you in regards to removing the falsely opened accounts on my file. The accounts shown on my statement were not done by myself. This is a huge inconvenience and I am truthfully devastated. I am a victim to identity theft and would like these accounts removed at the soonest convenience. Please delete the reported items listed in this report and correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Due to these items wrongfully listed on my report, please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted XXXX to correct a negative payment history on a credit card with Wells Fargo from XX/XX/XXXX. I provided the following information. 

In XX/XX/XXXX I was XXXX when all communication was secured for operational security. We were without internet access for approximately 40 days. During this time, the credit card payment was due, but I was unable to make the payment without internet access. As soon as access was restored, I promptly paid the bill in its entirety. 

XXXX  closed the investigation today. They added the addition to the comment section : " and dispute investigation completed, consumer disagrees. '' The comment could be construed that an investigation was actually conducted, which seems doubtful, and I disagreed with the results of the investigation. To my knowledge I have not been provided with any further information collected during the investigation such as a response from Wells Fargo. Dispute and disagree are synonymous, so not only could the comment be misconstrued, but it would seem that the entirety of the investigation was to add a comment documenting that I disagreed or disputed something, which required no investigation at all because the " investigation '' was a direct consequence of filing a dispute with the report. 

If XXXX or Wells Fargo had provided documentation or rational to the justification for the negative mark on my credit score, I would have been receptive to concluding this matter ; however, this resolution was recursive and evidences the insincere at best or false claim that XXXX actually investigated the matter. If an investigation did not take place, they have willfully neglected their responsibility to investigate this dispute.
Product: Debt collection

This is a paid debt that we are trying to get the collection agency to send the documentation to the court. 

My wife has been transferred XXXX miles from our home. We are trying to purchase a house. We are unable to do that because the bank needs the court documentation that the judgment is satisfied. Our debt was paid in full on XXXX/XXXX/XXXX yet, their records claim XXXX/XXXX/XXXX. I have contacted the office as to the procedure followed in providing the court with the information that the debt has been paid. There is no procedure, which is surprising as your website indicates : " XXXX XXXX XXXX XXXX, XXXX. began XX/XX/XXXX. Since that time, the firm has become one of the debt collection industry 's leading law firms. Known for successful recovery rates achieved while maintaining the highest standards of professionalism, compliance and training, our firm offers premier levels of service and excellence. '' I should think that the highest " standard of professionalism '' would include a process for timely notification of debt repayment. It does not. On XXXX/XXXX/XXXX, my representative from XXXX XXXX contacted their office and the representative was again unable to provide any assistance with regard to notification to the court. I have explained my situation, I have sent them a letter indicating my next steps to file complaints with consumer protection. 

While it may not help to resolve my issue, perhaps it will benefit others.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXXXXXX XXXX Balance {$89.00} XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX  XXXX Balance {$3500.00} 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
Product: Checking or savings account

I've previously reported to Chase 2 unauthorized transactions on my account : XX/XX/2022 {$120.00} XX/XX/2022 {$110.00} Total : {$230.00} Chase is refusing to reimburse me for these fraudulent transactions in violation of federal law.
Product: Debt collection

Validation of debt letter sent to this company over 4 months ago. Company has yet to validate this debt as being mines. I have no knowledge of this medical debt as I have always had medical insurance. So having a debt with medical expenses is impossible for me, as I am hardly ever sick. Please have this company validate or delete this debt as I have sent multiple request letters with no response. This is affecting my credit report tremendously and if unable to validate I request this be deleted immediately.
Product: Student loan

I took out a loan for my daughters education prior to XX/XX/XXXX. The Loan amount was {$7200.00} that I got approved through my local Credit Union. 
I have struggled with employment since then and had to file chapter XXXX bankruptcy twice with the last in XX/XX/XXXX. I listed the loan in each bankruptcy and was told the loan could not be forgiven. Over the period of the loan I have been granted forbearance at different times. 
My Loan was changed on XX/XX/XXXX to a lower interest paying off the original loan which I had paid {$2700.00} to that point. Since then I have paid {$6200.00} for a total paid over time of {$8900.00}. They say I still owe over {$4000.00}. I am XXXX years of age and on only Social Security. 
I will struggle at best to pay this loan and do not understand why I owe so munch.
Product: Credit reporting or other personal consumer reports

I filed a FTC report for identity theft because my personal information has been exposed in a data breach of over 3 billion consumers personal information. I would appreciate to have all accounts showing on my credit report removed immediately.
Product: Credit reporting or other personal consumer reports

Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I am writing to dispute the following information that appears on my XXXX, TransUnion, and XXXX consumer report 's. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have submitted disputes to remove these inquiries that do not belong to me. I have not received an application or information on how these inquiries that I did not apply for credit on are on my credit. I need help clearing this up. The list of inquiries are below. 


XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
Product: Checking or savings account

I reached out to the seller and asked for a washer and dryer new for XXXX. Didn't have. Ask for my cell sent different pictures of washer and dryer a. I asked could we negotiate. A set sold. I said nevermind. They called. Said one XXXX new sent pics. Setup to bring to my house. It was brought. Not new the washer. I tried to tell the driver. He turnt the washer on and rode off. He said he would talk with them but didn't. It asked them to pick up the appliances and I could get my money back. Instead insults and rude to different people that tried to help me.