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

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear XXXX, After EQUIFAX completes XXXX investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within XXXX  days of receiving a consumer 's dispute. 
Additionally, under the Truth in Lending Act ( XXXX ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 
XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XXXX AND XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I received a notification from XXXX and Transunion that a late payment was reported by XXXX to my credit report. I reached out to XXXX after I've checked my bank account to verify they have received payment on time which they did. XXXX said they can't do anything about it even though I have proof on time payment. I filed a dispute with XXXX and Transunion and they both said they can't do anything about it despite having solid proof that payment was made and received on time.
Product: Credit reporting or other personal consumer reports

I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

XXXX XXXX Account # : XXXX Account # : XXXX DPT EDXXXX Account # : XXXX Account # : XXXX Account # : XXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA

), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response
outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. 

Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter. 

Additionally, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX XXXX Experian 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 credit cards, loans, insurance from the US Dept ED with balance of {$4900.00}, US Dept ED with a balance of {$2500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Mulitple attempts to open account online on the bank of America website. Also tried by phone and got denied with no explanation.
Product: Money transfer, virtual currency, or money service

My XXXX  friend XXXX home was XXXX  by XXXX  artillery at the beginning of the XXXX war. She spent a month huddled in the basement with her mother, grandmother, and the family cat. They were taken from the basement at gunpoint, forced into a filtration camp and eventually escaped with the help of a team I assembled. 

I have periodically wired XXXX money gathered from fundraisers to help her family with their journey. On XX/XX/XXXX I attempted to wire her the last of that money, {$2.00}, XXXX dollars. This is why Im contacting you. Ive had a series of problems with this wire, beginning with my bank, XXXX XXXX, who, for security reasons held up the money until XX/XX/XXXX, releasing it to an intermediary bank, The Bank of New York Mellon. That bank has held up the wire since XX/XX/XXXX, citing their own security issues ( Ive successfully wired money from XXXX XXXX to XXXX multiple times in the past with no such issues ). 

There is no point in having the wire go through to XXXX at this point, so I have requested XXXX XXXX to have Bank of New York Mellon return the funds to me. BNY Mellon has given no response, and have ignored four requests ( one a week ) from XXXX XXXX for any information. Mellons communication pipeline is impenetrable, even for my own bank. There seems to be no number to call and no human to speak to. There is only some kind of Bat-phone that is never answered. 

My friend has made it to XXXX with her family, and still desperately needs the money. 

Thank you for your time, and hopefully, your help,
Product: Debt collection

In XXXX of XXXX I had an emergency XXXX ( XXXX ) and approximately XXXX XXXX XXXX XXXX. 

I gave the hospital my insurance information at the time. I do not remember if I payed a copay. 

A few months after the XXXX XXXX, I received a bill in the mail. I do not recall the exact date or amount. It was approximately {$1000.00}. I paid the bill online according to the instructions in the bill. 

A few months after I paid the first bill, I received another bill. This bill was for {$430.00}. I was suspicious because I had already paid a bill for the medical procedure, but I paid this new bill online according to the instructions in the bill. 

In XXXX of XXXX I received another bill. The bill said that my debt of {$430.00} was still unpaid. I called the XXXX  at which I had the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and spoke to the billing department. They said they had no record of sending me a bill or receiving payment. Then the XXXX  connected me to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. A representative from XXXX XXXX said that they had no record of sending me a bill or receiving a payment from me, but the representative said that there were some debts on my account and the debts had been sent to Transworld systems for collection.

I called Transworld systems and spoke to a representative. I asked to be given a summary of all of the debts on my account and an explanation of which medical procedures those debts were for. The representative said that she would send me that information via mail. 

I waited several weeks and did not receive the requested information. Then on XX/XX/XXXX I called Transworld Systems Inc. and spoke to a representative. I asked the representative to send me a summary of all of the debts on my account. The representative explicitly refused to send me this information.

This situation is unacceptable. Transworld is refusing to tell me the total amount which I owe. I think that if I pay this bill ( the one for {$430.00} again ) they will just send me another bill in a few months to see if they can get me to pay them more money. 
What I am specifically reporting is : It is Transworld 's practice to disguise the total amount of a balance by sending multiple bills spaced months apart. I spoke to a Transworld representative who explicitly refused to reveal my total account balance.
Product: Student loan

I did not attend XXXX University, they did not return or refund of one or more Direct Loan Program or FFEL Program loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card told my son that I owed a debt. You- referes to XXXX  card. You violated 15 U.S. Code1692 specify section b. When you told my son that I owed a debt. 
Our agreement is now void. Please remove from credit bureaus and eliminate the balance. 
Per 15 U.S. Code1692 the civil liability plus legal fees will exceed total amount owed. To save time and money, I recomend we settle, in the method listed above. Are you willing to work with me, or against me?
Product: Checking or savings account

I have tried in multiple occasions to close my account with PNC Bank. More than a year later I still receive statements, which means my account is open. 

I have called PNC and requested again and again to close my account
Product: Mortgage

My mortgage is with Caliber Loan, I received a modification though Caliber. I was making my monthly mortgage payment by cashier check. But they still foreclosed on my home, of which they recently foreclosed XX/XX/2016 and I was making the monthly mortgage payments. I 'm still living in the property. I received correspondence from XXXX stating they were going to foreclose on my property. I was not given the appropriate XXXX notice that is required by XXXX law prior to the foreclosure sale. It is a misdemeanor not to give the appropriate notice prior to foreclosure.
Product: Checking or savings account

On XX/XX/XXXX I and another party were victims of a scam. I gave back the funds threw XXXX and they were not sent to that person. Then on XXXX the XXXX an online reversal was done on my account which put it in the negative. I have called the bank and visited the bank where a banker seen that I was a victim of a scam and that my money should be put back into my account. I called the bank on XX/XX/XXXX to find out what was going on in which they told me that they have reached out to XXXX to give me back my money in which has not happened and then I talked to the online banking in which they told me that there is nothing they can do but I need to talk to the person who I sent the money back to.
Product: Checking or savings account

Tried to chat with Sofi Bank and no one responded. Try a letter sent to corporate office and no reply regarding the unauthorized withdraws on my account. No, I do not need a new credit card, I need to have someone available via email, phone or chat that I can address the unauthorized charges to my bank account and XXXX failed to handle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX the XXXX 2021 was the 14th time I disputed ( USBK COURT XXXX FLORIDA DOCKET # XXXX and USBK COURT XXXX FLORIDA DOCKET # XXXX ) I have asked Where did they verify this information and was told, From the court, which is either a mistake or a lie because I gave a letter from the court stating they did not verify this. I also gave a letter from XXXX who does not have record of this information any longer because they found it to be unverifiable and incorrect. Transunion is not being forthcoming and telling the truth of where they are verifying this information. FCRA VIOLATION 611 & FCRA VIOLATION 623 & 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation and Delete these accounts, yet TransUnion continues to claim they verify this information or respond saying they did and conduct no real investigation. CFPB is allowing them to do nothing, many times over. Check the records and you will see I have complained many times and nothing at all was done. You are allowing them to respond here and close the complaint without looking at the facts I attach and making them do as the Law requires
Product: Debt collection

I am writing to dispute and urgently request the removal of unauthorized fraudulent accounts that persist on my credit report. I have no knowledge of, nor have I authorized, the accounts listed below, and I categorically deny any association with these accounts. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

Despite my previous attempts to address this matter, the fraudulent accounts continue to negatively impact my credit report, hindering my financial opportunities and causing significant XXXX 
I want to emphasize that I have not authorized, nor do I have any knowledge of, the transactions or activities associated with the mentioned accounts. I demand a thorough investigation into these fraudulent accounts and request the immediate removal of these items from my credit report. It is imperative that your bureau upholds its responsibilities under the Fair Credit Reporting Act ( FCRA ) and takes swift action to rectify this situation.
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. 
Account name- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX  Account XXXX  account # beginning in XXXX, and XXXX XXXX Account # XXXX has violated my rights. 

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 without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any of the following items of information.Any other averse 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

I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX of XX/XX/XXXXthey would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX of XX/XX/XXXX they would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX XX/XX/XXXXthey once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX  is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX of Massachusetts next. I need my payment history fixed immediately!!!
Product: Student loan

On XX/XX/year> I submitted a Debt Consolidation of all loans under my name. The servicer Mohela, took 1 year to process and review the application and still have not completed it as requested and promised. A Consolidation never takes this long and I was denied my basic rights in the process. They ignored me illegally. I went to re consolidate but was denied due to their negligence.
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.

1. Account Name : XXXX Account Number : XXXX Issue : unauthorized 2. Account Name : : XXXX  XXXX Account Number : XXXX Issue : unauthorized 3. Account Name : XXXX Account Number : XXXX Issue : unauthorized 4. Account Name : XXXX XXXX Account Number : XXXX Issue : unauthorized 5. Account Name : XXXX Account Number : XXXX Issue : unauthorized 6. Account Name : XXXX XXXX Account Number : XXXX Issue : unauthorized 7. Account Name : XXXX  XXXX Account Number : XXXX Issue : unauthorized 8. Account Name : XXXX XXXX  Account Number : XXXX ssue : unauthorized 9. Account Name : XXXX XXXX XXXX  Account Number : XXXX Issue : unauthorized 10.Account Name : XXXX XXXX  Account XXXX : XXXX Issue : unauthorized 11. Account Name : XXXX XXXX Account XXXX XXXX : unauthorized 12. Account XXXX : XXXX Account XXXX XXXX : unauthorized 13. Account Name : XXXX XXXX Account Number : XXXX Issue : unauthorized My rights have been violated 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: Mortgage

I have a loan modification through Wells Fargo whose interest is going up to 5.2 % next month. It is my principal residence. I 'm told that because it is a mortgage backed security loan I can not qualify for any program. I can only do a deed in leu or a short sale. The loan modification they gave me also consists of a {$34000.00} ballon payment and is an interest only loan and any additional money received would go to the balloon payment. 
This home is in XXXX California. I held on to my property even though it was upside down when many walked away. My home is still slightly upside down but is recovering. Now I am placed in a financial hardship condition through a dramatic interest increase. My home was previously purchased with my then fiance. Had such a loan been not acquired, my then fiance would not have received as much of a settlement. I feel like Wells Fargo is extorting me, and I find their behavior unethical and immoral. We, the American people can bail them out but in their interest of making as much money as possible can not and will not work with homeowners.