23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two hard inquiries on my credit report on XXXX One was on my XXXX credit report by Comenity Capital/XXXX where I spoke to XXXX and Comenity Capital/XXXX and found out that it was for cosmetic services and the application was approved for {$3200.00}. I spoke with Comenity representive and they said they would cancel the account as fraud and will take care of the hard inquiry, but I want confirmation this has been done. I then received another hard credit inquiry by XXXX XXXX also on XX/XX/ and also received a text with code and I did not request this. I called XXXX XXXX and they confirmed that the person had all my information and applied online-except older address-and applied online but was denied so no account exists due to fraud, but I want to confirm the hard inquiry will be taken off.
Product: Debt collection

I do not owe any debt to Credit Collection Services and XXXX. I have XXXX whole time and I received collection letter from Credit Collection Services regarding debt to XXXX. This is a fraud. Someone and/or XXXX forgery my signature for application and contract. Forgery and fraud are felonies. I filed police report regarding fraud and forgery with XXXX XXXX, TX police
Product: Debt collection

XXXX XXXX, XXXX sent me a letter on XX/XX/XXXX stating that I owe a debt in the amount of {$16000.00} to XXXX XXXX, XXXX. They also state that they are willing to reduce the amount by 35 % to {$5.00}, XXXX. ACCOUNT NUMBER : XXXX. The letter doesn't not include enough information about this debt. I've never heard of XXXX XXXX, XXXX. Original creditor Santander Consumer USA INC. I am filing a dispute about the debt they are trying to collect. They contacted me by mail, on XX/XX/XXXX and identified the debt as XXXX XXXX, XXXX. I don't not owe this debt. I've called several times and someone repeatedly hangs up the phone. I've researched both companies and no additional identifiable information is available. 

This is the second time this fraudulent company has tried to accuse me of a debt I do not owe. Similar debt with different amounts from a different creditor. See my previous complaint I filed in XX/XX/XXXX. This needs to stop. 

Please stop sending me fraudulent letter claiming I owe debt. LEAVE ME ALONE LIARS. 

Hide full complaint
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccurate Credit Information. I know that these accounts are adversely affecting my credit report reporting inaccurate late payment and other inaccurate, costing me XXXX  of XXXX  in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. I inclose a copy of the other credit reporting agencies that with the error fixed and in complaint.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for XXXX XXXX I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Around XXXX of XXXX I was on a forbearance with Wells Fargo due to being on an unpaid leave from my employer during Covid. In or around XXXX of XXXX I was allowed to go back to work so I called Wells Fargo to make arrangements to start making payments to get caught up on my mortgage. During this conversation to Wells Fargo with XXXX XXXX, I inquired about refinancing. She informed me that once I was caught up that I could refinance, or if I paid my outstanding payments in a lump sum I could refinance once payment had been processed. I chose to pay a lump sum to take advantage of the lower interest rate. In or around XX/XX/XXXX I'd paid the lump sum and had started my application. Once the application was completed I received a call from XXXX XXXX XXXX and she informed me that I would not be able to refinance, even though she previously said I would be able to and all of the correspondence that I'd previously received about my forbearance said that I could. I asked why and she basically said that because of my previous forbearance I wasn't eligible. I was disappointed but dropped the matter, as I was so exhausted from having previous issues with Wells Fargo. Also, Wells Fargo bought my loan from XXXX XXXX so it was not my choice to do business with them. 

Fast forward to this month I'd started to hear about other customers dealing with this same matter, so I decided to see if I could get a better answer as to why I could not refinance. On XXXX XXXX I was initially told that there was no record of a refi, and later that it was not Wells Fargo who denied the refinance but XXXX XXXX, because it was a VA loan. I was also told that Home Mortgage Consultant ( HMC ) XXXX XXXX would give me a call back in 30 minutes of that call to give me further clarification but she never called me back. I called XXXX XXXX to inquire about the denial and they had no record of it. 

My concern is that I was wrongfully denied refinancing and subsequently have missed out on significant savings on my mortgage. Based on my credit rating, payment history, debt to income ratio, I was/am more than qualified for the lower interest rate at that time of 2.75 %. 
I have a complaint in for escalation, reference # XXXX but I don't expect to hear much back.
Product: Payday loan

Last year, I took out a loan of XXXX. I have paid XXXX installments of XXXX, but thereafter, they told me that I was not done paying because I needed pay interest and fees. I was not aware of this when I first agreed upon it. The representative said that I was only going to pay XXXX installments. I have emails to support my complaint of the amount I borrowed. After I told them not to take any more money through ACH payments, they still attempted to take money from my account without my authorization.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  sent to XXXX XXXX XXXX on XXXX XX/XX/year> with instant service from XXXX after 5 days the money still hasn't reached the recipientI mention that I pay XXXX XXXX  for each day of delay, so far XXXX XXXX  have been collected
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Bureau of Investigation ( FBI ) vs. TransUnion, XXXX, XXXX On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of TransUnion-XXXX and XXXX. I have also submit an investigation by XXXX XXXX to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to TransUnion, XXXX and XXXX to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through XXXXXXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. 

Remove negative information from my credit profile now!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




UNAUTHORIZED INQUIRIES PLEAS DELETE : XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX-XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I spoke with a representative at Chase in which we discussed a payment plan on a past due payment for an auto loan. The representative asked me several times to make a full payment as I was a couple payments behind. I told him that at that time I was unable to make a full payment however, I was willing to a make a partial payment and an arrangement for the remainder. We agreed on a payment of $XXXX to process on XX/XX/XXXX with another payment of $XXXX on XX/XX/XXXX and a final payment of $XXXX to bring the account current onXX/XX/XXXX. On XX/XX/XXXXmy bank account was debited $XXXX which is not what we agreed. The transaction resulted in an overdraft fee from my bank as I did not have the amount in my account. I spoke to a representative at chase who advised me that they'd have a supervisor call me back. The supervisor advised me that he would refund me the fee as long as I was able to provide proof of the overdraft. The fax was received and I was assured that I'd be refunded. At this time I still have not been refunded and my account continued to incur fees as I did not have the additional $XXXX to put back into the account. I ended up with a total of $XXXX in fees alone. I am livid with Chase Bank.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

On XX/XX/ I purchased a Vanilla Gift card from XXXX XXXX, in XXXX XXXX, and loaded {$100.00} onto it. It was a XXXX gift for my grandson. He tried numerous times to spend the money online but was unable to. He found out that Vanilla had cancelled the order. I got the gift card from my grandson and was going to see if I could use it. While in the process of doing this, I go to Vanilla 's website, and there is {$0.00} left on it. There was a transaction pending for XXXX XXXX for {$99.00} on the card. This was not my purchase. I called the company XXXX times because I kept getting the phone hung up on me. I could not get a satisfactory answer from any of them.
Product: Checking or savings account

My account was closed when multiple fees went through all at once. Causing my bills and pending transactions to create an over {$1000.00} over draft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and faxed to TransUnion explaining that I am a victim of Identity theft but they continue to report these accounts after receiving proof that these accounts do not belong to me. I have faxed my ID, social security card, police report & identity theft report for these things listed on my report. I want these items deleted from my report for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX/XXXX XXXX XXXX. I have told you that I never lived at two addresses that I asked to be removed and it not on my drivers license nor have I lived there ever XXXX XXXX XXXX & XXXX XXXX XXXX .
Product: Mortgage

My Mortgage Company Freedom Mortgage failed to pay for my flood insurance back in XXXX of XXXX. I had refinanced my home during that time, and they used the wrong loan number. I did not receive any info that my flood insurance had not been paid till early XXXX. When Freedom mortgage tried to pay my insurance, the policy had been terminated. I am now being asked to get a new quote which is going to cost me XXXX versus the XXXX that i had been paying for the last 5 years. This was a mistake made by Freedom Mortgage and they should be responsible not me the homeowner. I have all the backup documentation needed. We tried to go to XXXX XXXX and have them reinstate my last policy, but they said since payment was late, they would not honor my old amount. I could be contact at XXXX. Home address is XXXX XXXX XXXX XXXX, XXXX, Fl. XXXX or via e-mail XXXX It is not fair that i get penalized because of mistake that freedom mortgage made. 
contact for Freedom Mortgage is XXXX
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 1. XXXX XXXX - XX/XX/year> "
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX  since XX/XX/XXXX, XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

Account Name : TD BANK N.A. 
Account Number : XXXX Date Opened : XX/XX/2013 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Product: Credit card or prepaid card

I had a credit card stolen from my residence in California while I was in Oklahoma. I reported the fraud and was told I'd receive a temporary credit from capital one. Now it's 3 days later on Monday and I'm being told I can't receive a temporary credit while the investigation is ongoing. And that I'd receive one once it was completed. It has caused considerable hardship to me and mine and I've been ridiculed, lied to and even hung up on because of my more colorful approach towards handling this with customer service agents. I'm not being treated the same as everyone else who'd get a temporary credit while this was ongoing and as such, I want to initiate a formal complaint against the bank for their unfair and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

This is a complaint against Johnson Mark, LLC ( previous known as XXXX, XXXX, XXXX XXXX, XXXX ) that practices business at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX Johnson Mark, LLC is representing XXXX XXXX ( XXXX XXXX XXXX, XXXX  ) doing business at the following address : XXXX. XXXX  XXXX, XXXX, SC XXXX This law firm is being reported for a violation of section 808.8 of the Fair Debt Collection Practices act. 

Johnson, Mark LLC has been filing legal documents in the XXXX County Circuit Court using the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, OR XXXX This address is for a XXXX Store located in XXXX and doesn't reflect any physical address the is used by the law firm to practice or conduct from. 

Since the debt collector has misrepresented themselves on legal documents at an address that doesn't reflect a location where Johnson Mark, LLC practices law and doesn't reflect the address used when filing business forms with the State of Oregon, Secretary of State, this scenario could make it difficult for Johnson Mark, LLC to follow garnishment proceedings with publicly traded companies such as ADP since garnish paperwork served doesn't not reflect the correct address where the law firm is currently residing in the state of Oregon or their own home office as section 808.8 implies. 

As a result, these collection practices appear deceptive to the consumer as well as a lack of accountability on how the law firm has chosen to practice law in the state of Oregon that could lead to being reported to the US Postal Service for mail fraud and the possibility of wire fraud charges, at the federal level, since there is no indication the the garnishment is correctly being applied to XXXX XXXX ( XXXX XXXX XXXX, XXXX  ) simply going by the work of Johnson Mark, LLC at this time. 

While XXXX XXXX ( XXXX XXXX XXXX, XXXX ) has indicated in phone conversation that they have been for the debt, that is only based on a telephone call and not in writing. 

Lawyers for Johnson Mark, LLC have been reported to the Oregon Bar Association for misrepresentation since neither attorney ( Mr. XXXX XXXX XXXX and/or JXXXX XXXX XXXX ) has been actively practising law in the state of Oregon through an office within the state of Oregon ( based on their own Linked In social media profiles ). 

Mr. XXXX has represented himself in a hearings based on a XXXX conversation ( via voice ). In addition, the physical office reported on documents with the state of Oregon, reflect an inactive office space.