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

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to XXXX XXXX XXXX XXXX XXXX, if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  SS XXXX I WOULD LIKE A SECURITY FREEZE ON MY FILES WITH ALL THE CREDIT BUREAUS XXXX XXXX XXXX XXXXXXXX XXXX, EXPERIAN I WOULD LIKE A PIN NUMBER TO ACCESS MY FILE AS SOON A POSSIBLE.
Product: Credit reporting or other personal consumer reports

I have been trying for over a year to fix this issue with Equifax and have done everything that have asked me to do and they have done nothing to fix me issue. They continue to just give me the run around and blame my credit card company when it seems so obviously to me a breakdown in there organization. Very simply, I have a XXXX XXXX Credit Card ( acct ending in XXXX ) that I have had for 16 years. They have been reporting to all three credit reporting agencies ( Equifax, XXXX and XXXX ) monthly. Equifax denies that they are getting info from XXXX when I know this is not the case. XXXX months ago I added my younger brother to the XXXX credit card as an authorized user XXXX started reporting him as well and his info is showing on his Equifax report. Clearly Equifax has a glitch of some sort that needs to be resolved. but in the meantime, my credit score is being impacted, Please help me in getting this in someone's hands that will help. I've sent them bank statements, my driver 's license, and any thing they've asked for to no avail!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXXXX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed Inquiries in Dispute :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I opened a new checking account with Citizens bank in XXXX 2014 with a promotional offer of {$200.00} that I received in the mail. The requirements in order to receive the offer were to make an initial minimum deposit and then at least five debit card transactions in the following month. About three months after I had completed the above requirements, I had not yet received my promotional credit, so I went into the branch and they told me that I should be seeing the credit by the end of XXXX. Come XXXX, I stopped into the branch office again to bring up the issue. They looked into my account and confirmed that I had met the requirements, but would have to investigate further because they do n't have any information on which teller opened the account for me or the promotional code that she entered for my account. A few days later, they called to tell me that they could n't find my name and address in the record of people that they distributed that specific promotion to. Unfortunately, I did not have this coupon saved from six months ago, so there was no way for me to show them the coupon that I clearly remember receiving in my mail. After speaking to the manager about the situation, he offered to credit {$100.00} to my account and told me there was nothing else they could do because my name did n't show up in their list of " selected individuals '' to receive that promotional credit. I feel like Citizens is using misleading promotional offer as a marketing scam to attract new customers and then hoping they either forget about the actual credit or telling them months later that they are n't eligible to receive the offer after they had already completed the stated requirements.
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 XXXX 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 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

Requested a withdrawal from Gemini crypto exchange on XXXX XXXXXXXX since then my funds are supposedly pending. I have not received any information as to when I might expect return of my funds, even after several attempts to communicate with Gemini. They dont seem to have any phone contact numbers so, Ive only been able to communicate through twitter. I received an initial contact but after I respond, nothing. I fear that Gemini is just another XXXX  scheme. If you could request they honor my withdrawal request I would greatly appreciate any assistance.
Product: Mortgage

I was approved for a loan modification on XXXX XXXX, XXXX in the amount of {$1100.00}, to begin XXXX XXXX, XXXX. ( refer to pgs XXXX ). Said payments where paid in certified funds as requested. ( pgs.XXXX ). On XXXX XXXX, XXXX, I received a letter stating THIS IS YOUR SECOND WRITTEN NOTICE, which prompted me to call SPS as to the nature of what the letter was about. I was told that numerous pieces of mail were mailed to the property address for me to accept the terms of the {$1100.00}. I asked that the call be recorded. At no point in time did I ever receive anything via USPS or cert mail. I requested that anything and everything that was sent to me in regards to accepting the terms to please send again and mail to my work address for if it needed to be signed for I would be there Monday -Friday from XXXX. Today being XXXX XXXX, XXXX, I have yet to receive. My trial period was for 3 months and as a homeowner I did as requested and continued to pay my {$1100.00} as agreed. ( pgs XXXX ). XXXX XXXX, XXXX I receive a letter to qualify for loss mitigation ( which over the course of the last four years, I already had to do TWICE just to get approved at the current amount of {$1100.00} ) for a new payment amount of {$1700.00} effective XXXX XXXX, XXXX. I have already been approved for {$1100.00} and should not have to be put through this again. In addition, I was approved based on my income, which has not changed but SPS increased over {$600.00}. This is being set up for me to fail. SPS has already done the numbers and I have provided everything they requested and increase of such will force me to lose my home. ( pgs. XXXX ). XXXX XXXX, XXXX I receive a letter that my loan was referred to the foreclosure department, but they just tried to get me to accept new loan modification terms. ( pg XXXX ). XXXX XXXX, XXXX received another letter from SPS in regards to assistance. ( pageXXXXXXXX ). XXXX XXXX, XXXX I receive my cashiers check back for my XXXX XXXX payment stating that it was short. How can it be short? The new terms where not excepted nor even due until XXXX XXXX, XXXX. On top of that they tell me that {$170000.00} need to be paid or I will go into foreclosure on XXXX XXXX, XXXX but wait they want to increase by loan modification as of XXXX XXXX, XXXX. Not only do SPS timelines NOT add up. I have continued to pay my {$1100.00} and fulfill my obligation as a homeowner only to get railroaded. SPS is no more than bullying me, strong arming me and my son out of our home. My loan modification was approved, I continued to pay and now they are trying to use some loop hole to discredit everything I have worked for. This should be a criminal action. Just last week I read an article in XXXX about mortgage companies pushing homeowners out. What I thought was a done deal is now a nightmare again and I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to check my credit karma report as well as my free credit report monitoring sites and there are some fraudulent accounts on my credit that i would like to be removed immediately the following accounts are. 

1.hunter Warfield inc in the amount of {$22000.00} 2XXXX XXXX in the amount of {$1100.00} 3XXXX XXXX XXXX XXXX in the amount of {$1100.00} 4.XXXX XXXX  in the amount of {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, XXXX, XXXX, and Experian does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Company Name : XXXX XXXX XXXX  Date : XXXX XXXX Amount : {$990.00} Actions That Were Taken ; I did not give written consent for XXXX, Experian, or XXXX to put this on my credit report Fraud Account Remove Immediately. 
Company Name : XXXX XXXX XXXX Date : XXXX XXXX Amount : {$590.00} Company Name : XXXX XXXX Date : XXXX XXXX Amount : {$530.00} Company Name : XXXX XXXX Date : XX/XX/XXXX Amount : {$800.00} Company Name : XXXX XXXX  Date : XXXX XXXX Amount : {$280.00} Actions That Were Taken ; I have reached to each credit bureau individually and I have received any response to remove this information
Product: Debt collection

Following was the sequence of events that happened to me with a purchase from XXXX Day after XXXX opened a XXXX from XXXX with purchase of XXXX dollars. Do not remember signing up for paperless statements, but I missed the XXXX statement, their rep called me on XXXX XXXX, I asked for a waiver on late fee, and they agreed to it, I wanted to pay it off in full. Since I was driving when she called did not remember the original amount, I just asked for full payoff amount which was she said was XXXX dollars, but she gave me minimum amount due. For next XXXX months I did not get any bill in emails or hard copy. I got call from collection agency in XX/XX/XXXX, that I owe XXXX dollars. Most of which are late fee. Now when I am disputing that I asked for full payment in XX/XX/XXXX, they are saying that it is only minimum payment, when I ask for voice recording, they said they can not provide. Since our agreement was only verbal, that is the only proof I have. Are there any other options for me apart from paying XXXX dollars which I think is totally not fair. 

Thanks
Product: Credit reporting or other personal consumer reports

the file was under investigation about a year ago and I disputed it again becuase the file failed to check an address assoviated that is not mine they even told me when I called that no we have no information how ever they keep reporting so I thionk are they playing or they do not understand me as they hardly spoke english XXXX this is the account i dispute as I do not recognize or have accepted that i this is my debt as I do not understand why tthe credit agencies is reporting it when I know the other credit agencies are not
Product: Debt collection

Approximate XX/XX/2018 a loan was secured in my name for {$1500.00} this loan was given with the promise of 90 day interest free dues to excellent payment history. After 30 days my account was being debited for amount s that was excessively more that what I was sold. I was put in financial hardship due to the collections practices & the unwilling to resolve matter. I was turned over to a collections agency who then inflated the amounts owed by almost 45 % of loan amount without being in default of original agreement. This collections agency ( NCA ) repeatedly violated my rights as a consumer, contacting family members, divulging false information and threatening me impersonating civil service officials.
Product: Credit reporting or other personal consumer reports

{$800.00} balance for XXXX XXXX dated XX/XX/2023. 

I have never had XXXX ever. 
I disputed with credit karma and XXXX, and they say the information reported is correct but that is impossible I have never had XXXX. I asked for proof, and they did not give proof I only wanted to see what they were given that served as enough proof to keep a fraudulent account on my credit report. Please help with this They won't give me any information to use for the court shall the need come. This is the third time I disputed with Credit Karma and once with XXXX XXXX.
Product: Mortgage

The loan modification I had expired in XX/XX/XXXX so my mortgage due was XXXX what I had been paying since shortly after my husband passed away XX/XX/XXXX. I could not afford the mortgage and had been negotiating with the bank for over a year. After filing a complaint here in XX/XX/XXXX, I was a contacted by a point person who said he would fast-track a modification. Five months later, I received a 3-month trial payment offer followed by a modification contract. The contract did not include debt forgiveness and stated that if I ever could not repay the loan, I would have to use other assets. As a XXXX widow, I can not afford the house my late husband left me with. I 've received notices that I 'm in severe default, followed by trustee corporation notice of foreclosure proceedings. 
On XXXX XXXX, I came home to find letters taped to my gate that said my house would be auctioned on XXXX XXXX. I have an attorney who contacted the bank on XXXX XXXX. At that time, the person he spoke with said the bank did not have a confirmed date to auction the house, and together filed an application to delay the auction. But yesterday, XXXX XXXX, my lawyer called the bank and the person he spoke with said he had no record of the application, the bank will auction my house on XXXX XXXX, and it 's too late to do anything other than foreclosure. 
I realized I can not stay here with the mortgage - way above the {$720000.00} maximum - that my late husband left me with. I just wish to have some better closure with this without having to file XXXX of documents to prove hardship. I wish to be able to have bank agree to a short sale or deed in lieu of foreclosure and give me up to 2-months to clear out of the house I 've lived in for 28 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage loan. I was denied because of not having a  XXXX  on my credit report. I knew my credit was n't great, but below a  XXXX  seemed incorrect. I paid for my credit report from Experian. The report I paid for gives me a score  XXXX .     When I forwarded this information to the bank, I was told Experian sent them a report stating my score is  XXXX , with  XXXX   &   XXXX  scoring me even lower.     I asked the woman at the bank if this was common, her response was " Let me just say that the scores we have are usually lower than the ones consumers tell use they are given by the actual agency. '' Considering the importance of these scores, how is it legal to sell information that is different to two separate parties about the same individual?     People are more th an a 3-digit credit score &  companies who have such a large role in determining such important aspects of Americans lives ' must operate fairly.     Experian is either lying to me or lying to the Bank, neither of which is of any comfort to me. I can not buy a home due to this error/falsehood.     It is your responsibility to oversee these companies & protect consumers.     Do your job, please.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries appearing on my Equifax credit report. These inquiries were not authorized by me and are not connected to any legitimate account or service. As such, they should be removed from my report immediately. I request an investigation into these unauthorized actions and compensation for any potential harm caused. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Violations and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm.

A

pplicable Laws and Regulations 1. 15 USC 1681b - Permissible Purposes of Consumer Reports : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose.

2. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries.

3. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.
Product: Checking or savings account

Today I was sent {$220.00} from someone and it immediately disappeared. I contacted support and they informed me that in XXXX there were XXXX technical errors on there end and they just now took the funds. I was never informed of anything until today after they left my account with XXXX cents. They've had multiple chances to inform me and collect funds. Instead they drained my account without any knowledge of errors.
Product: Mortgage

On XXXX/XXXX/15 I authorized a mortgage payment over the phone to XXXX for {$650.00}. I had an electronic payment scheduled to them on XXXX/XXXX/15. Due to my mistake I thought I cancelled the electronic payment but it was n't cancelled. XXXX received XXXX mortgage payments from me and should have only received XXXX the phone authorization.I have been attempting to get the one for {$650.00} returned. On XXXX/XXXX/15 at XXXX central timeI faxed the information I was instructed to fax to a supervisor name XXXX. I was told to call Tuesday XXXX/XXXX/15 to checkthe status. As of XXXX/XXXX/15 I have yet been able to get a reply. I have called 3 times a day since XXXX refaxed the documents to XXXX XXXX/XXXX/15 XXXX On XXXX/XXXX/15 on my XXXX call of the day I was told they needed a letter from my bank stating the XXXX payments were paid and would not be returned by the bank for insufficient funds. The letter was faxed from the XXXX branch manager stating this and payment to XXXX was cleared and paid. This was faxed to XXXX at XXXX pm on XXXX/XXXX/15. I called 3 times today XXXX/XXXX/15 and each time all customer service did was continue to send emails to the supervisor on my behalf asking the status of the payment being returned to me.She does not respond and has n't since this ordeal started.
Product: Checking or savings account

Urgent Request for Resolution of Unauthorized Transactions and Security Breaches Dear Sir/Madam, I am writing to formally request immediate intervention and resolution of serious issues involving unauthorized access and transactions in my Wells Fargo bank account. Despite my previous efforts to resolve these issues, my account continues to be compromised, indicating an ongoing and significant security breach.

Account Security Breaches : Unauthorized Transactions : Unauthorized electronic funds transfers and XXXX transactions totaling {$3800.00} were made from my account to unknown parties without my authorization. 

Unauthorized Account Changes : My Wells Fargo Online password was changed, and my email was unenrolled from XXXX transactions without my knowledge or consent, as evidenced by the attached notifications. 

Unauthorized Use of Transfer Service : Transactions involving the transfer service XXXX were made, a service I have never used. These transactions necessitate a full refund from Wells Fargo. 

Dispute with Wells Fargo : My claims have previously been rejected by Wells Fargo despite the provision of new evidence of continued unauthorized access and transactions. There is a clear failure in Wells Fargo 's security measures to protect my account, and the response to my situation has been unsatisfactory. 

Legal Context : Under the Electronic Funds Transfer Act ( Regulation E ), I am entitled to a prompt investigation, recrediting of my account for unauthorized transactions, and a written explanation of the findings. 
Request for Wells Fargo Action : I kindly request Wells Fargo to : Investigate the ongoing unauthorized access and transactions in my account.

Identify and provide the IP addresses used to log into my account and change my password without my consent.

Ensure adherence to the provisions of Regulation E by conducting a thorough investigation, providing a detailed written explanation, and recrediting my account for the unauthorized transactions.

Enclosures : Notification of unauthorized password change for Wells Fargo Online account. 

Notification of email unenrollment from XXXX transactions. 

Evidence of unauthorized transactions involving XXXX. 

Police report and additional documentation evidencing unauthorized access and transactions. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to resolve these critical security issues. If Wells Fargo fails to respond to this demand within 15 days of receipt, I will have no choice but to file a complaint and pursue legal action in small claims court to recover my losses and address this ongoing security issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I noticed that a debt i never had is reporting on my credit report.