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

In accordance with the Fair Credit Reporting act The Bankruptcy that is showihng on my credit has violated my consumer rights.

16 USC 1691 States I have a right to privacy.

16 USc Section 604A It also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Mortgage

In XX/XX/XXXX, the company I worked with for 6 years closed its doors. I was unable to obtain comparable pay for about 20 months. In XX/XX/XXXX, I obtained permanent stable employment and was told by the mortgage company that I could not file for a loan modification until XX/XX/XXXX. In XX/XX/XXXX, the foreclosure petition was filed by the mortgage company. 

During the foreclosure process, I was told by the mortgage company that all forms of communication had to go through the attorney. So I submitted the loan modification paperwork on XX/XX/XXXX via the foreclosure attorney. Summary judgment was filed on XX/XX/XXXX. I finally received an email from the foreclosure attorney on XX/XX/XXXX indicating that the " the documents I submitted are still under review ''. See " email regarding loan mod '' attached. This action is in violation of the CFPBs Prohibition against dual tracking because the foreclosure attorney proceeding with foreclosure while under review for a loan modification. 

Also, the mortgage company has not been able to produce a true, valid and original note and mortgage. The note and mortgage attached to the Foreclosure Petition ( see attached ) is different from the mortgage and note submitted with the Summary Judgment ( see  attached ). Since the mortgage and note are fraudulent and the mortgage company is unable to foreclose if they are not the holder of a true, valid and original note and mortgage.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$21000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I looked at my report. I sent a letter to TransUnion on XX/XX/2024 asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX,, and this is my tracking number : XXXX On XX/XX/2024 they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/2024 I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to, and according to 15 USC 1681i 5 they are suppose to do this ( 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 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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: Checking or savings account

I open business account with bank of America soon after my account was successfully open they frezze my account multiple time I try to call the fraud department to found out what happened no one will give me at correct explanation after contacting the customer service representative multiple times and going to the branch finally the release the hold soon after they did it few days later they put at hold in my Ccount again the Fter that I fax all my personal documents to the fraud department driver license copy social security card business license birth certificate light bill water bill with claims number attach i pay {$38.00} dollars to fax all this documents soon after that I call them two days later to request realeses of my business account with all my funds there finally they realeses the account but that same day XXXX XXXX from XXXX XXXX bank of America branch contacted me telling me that the reason I was having problems was because the bank during the opening of my new business account the bank add unauthorized person to my business account by error with my same name the only difference is his middle name but the rest of the name match my name this person was in XXXX XXXX bank of America office at the time she call me with police report requesting the bank to remove him from my account wish I never authorized this other individual lives 4 hr away from my city now the bank still holding my funds because supposedly Re investigating went they know already they make at mistake now I'm paying for their mustake and they avoiding me the only resling I get I have to wait being dealing with this bank error more them at week with no access to my funds dealing with pain and anguished I'm desperate dealing with covid19 loses now they holding my funds i try everything in my power im being verified by the bank multiple times I went to the branch 3 times they advoing me they not doing much for me just avoiding me I call the fraud department multiple times need help please ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report. In XX/XX/2022. I noticed a few hard inquires that I did not authorize. I immediately reached out to the three main credit bureaus. XXXX, XXXX and transunion. I called and sent letters. The inquires were removed from XXXX and XXXX however transunion is still reporting this inaccurate information. 

Inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask this creditor to provide me with documentation that i agreed and sign a financial obligation to pay them the amount they are reporting. I ask them to show me detailed notations of how the balance they are reporting was configured, including notifications, dates, invoices, receipts of damages paid. I sent 3 certified letters to this company, the first one was sent off on XXXX XXXX, 2017. The collection agency is not the original creditor, i 've reached out to the original credit as well but no no response. I 've asked for validation not verification, and a timely response, under the guidelines of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 hard inquires on my experian account that I never applied for and do not show up on any other credit report of mine. There is no way to dispute this through experian.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX inquired XX/XX/2017 2. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX inquired XX/XX/2017
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 causer to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im showing 3 separate hard inquiries form XXXX XXXX XXXX XXXX Hyundai Motor Finance and Regional Acceptance ( bank ) On XX/XX/year>2023. 

I only authorized or agreed to one credit check while inquiring about a vehicle. I was completely unaware that they tried 2 alternative loan options. They failed to inform me of this. Ive called their dealership and have received no follow up. 

Ultimately Id like to get Hyundai Motor Finance and XXXX XXXX  Hard inquiries removed from my credit report. Any and all help would be appreciated.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT 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  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in contact with Nelnet since XX/XX/2018 due to the incorrect reporting of my loan structure and misinformation during the time of my loan setup. 
The first issue is my loan is being reported on my credit as three separate loans based on disbursement when the online Nelnet website two balances. Group A and Group B ( Which you would think means 2 loans ) However, after missing 6 months of payments which I thought would only be 6 missed payments- I've now received 18 missed payments for those 6 months and I was never told that I had three loans. Online it actually only shows that I have two groups ; meaning two loans. I was never told that my one payment was being dispersed to three different loans and If I missed one payment I would miss a total of three because I thought that If I was paying off three accounts I would have three payments coming from my card and not one.
Product: Debt collection

A collection company called AWA collections is showing up on my credit report. I never have done business with this company. I have tried to contact them through XXXX and equivalent. No response
Product: Credit card

Per Wells Fargo application XXXX I applied Wells Fargo for a credit card after 15 years working to get an XXXX credit score. 
I was declined based on too many inquiries : ( I had None- XXXX inquiries ) After applying with them and 2 runs on my credit report my score went from XXXX to XXXX in 1 week!!!!! 

The amount of credit available was 2nd reason ( my available credit is 100 % ) 3rd denial reason : too many inquiris or applications for credit in the last 3 months ( we look at how much credit you may be taking on ) ( I have one mortgage, ONe XXXX and a XXXX with {$500.00} and {$200.00} limits. 

I make a XXXX figure income. I have a checking account with an overdraft of {$250.00}!!!! 

School loans are in PSLF as I work for nonprofit but the amount is XXXX $ I have no other credit cards and 14 years ago I had a lot of credit but all paid and never late stated on the credit report which is the 4th reason they stated that : number of bank card accounts ( all closed and paid, never late )!!! Wells Fargo stated that : " We look for a history that show how you've managed credit over time ) This are 4 false reasons and the Person XXXX XXXX who stated my account was reviews and " Yeah we are not going to give you credit for the same reasons Not only did they run my credit but stated 2 inquiries in 1 week on my credit report. Once I called and let them know that was not legal. It was removed but only because XXXX stepped. in. 

XXXX the Escalations manager insisted I call the " XXXX '' number again for customer support which he knows gives are limited and can only refer me back to Him! 

I wrote them and asked for an explanation only to get 2 letters of denial XX/XX/year> and XX/XX/year>. I called and XXXX XXXX who seems to have no supervisor in the Escalations Department in the XXXX XXXX XXXX XXXX seems to think that it is fair practice, At this point I want the inquiry removed as this was the only one on my credit report even though the ADVERTISE their card is only for people with scores of excellent credit. 

As a XXXX XXXX and XXXX I have seen several cardholder given cards with scores in the XXXX 's get over XXXX in credit? From Wells Fargo!!!!!
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, I have been an account holder with Money Network financial LLC/First Data for about 6 years. I've never had issue up until recently. My account was hacked and I have no doubt my card was cloned and pin number stolen as I was a victim of fraud/theft, the perpetrator ( s ) stole {$480.00} from my account on XX/XX/XXXX of this year, I alerted money network on the same day of the theft, my account was frozen and issued a new card immediately. I was told it would take about 45 days for their investigation but that I should receive a provisional refund to my account within 10 business days of the reported theft which never happened. The next day I filed a police report and received a case number a few days later and the investigation is ongoing from what I can tell as I have not been contacted yet by investigators despite my unsuccessful attempts at reaching them. Further, at the end of XXXX I was sent a vague letter by money network stating that my their investigation was complete and closed and that I would not be refunded. When I contacted them, they had no explanation to give me other than that I had a right to appeal their decision and that it would take 45 to 90 days for my appeal to have a final decision. I have vehemently denied that I had committed fraud on my end and reiterated to them in my appeal that there was still an active police investigation and supplied them once more with the case number and my whereabouts at the exact time the money was stolen. They have given me the run around multiple times when I ask for a detailed explanation of their initial findings and I have submitted in writing pursuant to their policy and still nothing. It's now 2 full months since the theft occurred and Im being placated with the same old bureaucracy about their investigation needing to be complete in the 45 to 90 days of my appeal and them claiming to have sent it out and if I haven't gotten it I should contact their appeals division ( to which one operator told me there was no way for me to contact them directly ). I've had enough, this company appears to be as shady as they come and they themselves should be investigated for the lies and fraud they are perpetrating!
Product: Credit reporting or other personal consumer reports

Since the date of last activity has been updated inconsistently across credit bureaus, I am concerned about the accuracy of this account. On Equifax, the last activity is reported as XX/XX/XXXX, on XXXX it's XX/XX/XXXX, and on XXXX it's XX/XX/XXXX. If the information is coming from the original creditor, these dates should be identical. Given these discrepancies, the account can not be considered fully accurate and is therefore deemed inaccurate. I request that this account be removed from my credit report. 
account name : XXXX  account number XXXX
Product: Mortgage

I applied for a mortgage loan on my home that I own outright in XX/XX/2022 because Chase was no longer doing HELOCs.

I was told I needed to put down {$500.00} as good faith funds ( which was a struggle for me ). I was given misinformation regarding the type of home appraisal that was needed. I was told it would be a drive by, it was not. In addition, they told me I needed to make {$5000.00} worth of repairs to my home before they would approve my loan. This was not something I could afford. 

I asked them to refund my good faith funds since I was misinformed on the appraisal and was never made aware that repairs of this nature could be a possibility. They refused to give me my funds back. 

I dealt with XXXX XXXX and XXXX XXXX originally. XXXX XXXX was nice at first until I began questioning the process and brought it to a supervisor 's ( XXXX XXXX ) attention that I had been having issues. XXXX then called me out of the blue on XX/XX/XXXX and harassed me telling me that she did nothing wrong, her manager was on her side, and that even if she had done something wrong I would never get my money back. I asked for a copy of the recorded phone calls, and she refused to give them to me. 

I made Harms aware of this phone call, but I never heard back, so I contacted his supervisor, XXXX XXXX. 

XXXX was the first person to get any forward progress. He said he would get all of the sales and lending managers together on the phone to discuss the issues. By XX/XX/2022, I received a phone call and an email from XXXX stating that I would be receiving a full refund of my good faith funds within 7-10 days of him closing out my loan file. 

I thought that was that, until I didn't receive a refund or an update in almost two months time. I reached out to XXXX twice this past month and finally received an email response on XX/XX/XXXX stating that my refund was actually denied and that I wouldn't be receiving my money. 

XXXX 's supervisor, XXXX XXXX, said this was due to a " policy change '' during my application process. 

I was never made aware of this change, I was never notified that I wouldn't be receiving my money back, in fact it was the opposite. I was told I would be receiving a refund, I was given a timeline, and an apology. 

Throughout this process I have been misinformed, talked down to, harassed, ignored, and blatantly lied to.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX