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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX NO AZ XXXX, # XXXX XXXX XXXX, # XXXX XXXX  XXXX, # XXXX XXXX  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
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report.
Product: Checking or savings account

I came in to the branch on Tuesday and opened an account. The process was fairly fast and easy and everyone was very nice. I even met the branch manager and was told that I can setup my direct deposit and any automatic transfers since the account was fully opened and I had nothing to worry about. I went home and made a transfer to my new account via XXXX  and everything was fine. I go to check my account via the mobile app today which is now Thursday and I got a message saying it was restricted. I was so confused as to why since I didn't do anything for that to happen. I called the bank and the manager told me he doesn't know why and to call customer service as it's pending closure. I started to panic since I've already set everything up to this account since I was told everything was opened and fine to setup permanently. Custer service told me that chase decided to close it with no explanation  and it can't be reversed. That's so unprofessional and when I went on XXXX I saw that this has happened to so many other people. Why open the account just to close it days later once people set up their lives revolving an account they were promised was good to go? This is horrifying and wrong.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a complaint about the below accounts being charge offs and/or closed paid in full. Charge offs are considered ordinary income how can it be reported on my credit report as debt? I never received a 1099c from the creditor for this alleged debt. This is violation of 15 USC 1681eb. Please remove this inaccurate information from my credit report. 

I have not received an update or status of your investigation. I have asked you repeatedly to verify this debt by sending sign contracts/agreements and I have not received any correspondence. 

XXXX 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, credit repair services, or other personal consumer reports

I notice XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX on my credit all of them are fraud/ID theft, XXXX XXXXXXXX was removed then after 1 year they added it back as a charged off, XXXX I contacted and XXXX XXXX as well they are vary rude and dont care, I disputed it with the credit and they dont care I even sent police reports and ID theft paper and Fair credit reporting paper they dont care I need it removed now due to fraud
Product: Debt collection

Procollect this is an egregious display of greed. Here I am on a fixed income and you're trying to collect on a nonexistent fraudulent debt from a apartment complex I have not resided in for over 4 years now. 

Not only is it blatant identity theft. Its unprofessional for procollect to take upon debt collection on behalf of the original creditor without verification or even attempting to contact me.
Product: Payday loan, title loan, personal loan, or advance loan

Trying to get this fixed so I can restore my credit to help get a new car
Product: Checking or savings account

I served in the XXXX XXXX from XXXX. During that time I believe I was charged on that overdraft fee by XXXX XXXX countless of times, Im sure wed be able to see the accurate amount of times with some digging. This is the first time Ive heard of the lawsuit against Navy federal from which I found out through a friend who served with me. I just wanted to put this complaint in to get Information on how to proceed and if Navy Federal owes me any additional compensation from that time period. Im not sure of the exactly amount but I remember while serving this happening to me a lot.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX $ I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request an immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$1500.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in letters before XX/XX/2021 asking Experian, XXXX and XXXX who they validated a bankruptcy that is reporting on my credit file. None of them sent a letter back with the answer, so I called all three and they all said they validated the information from the US bankruptcy court and XXXX. I reached out to XXXX and the US court. The court sent a letter back to me stating they don't validate this information nor do they work with the credit bureaus. XXXX sent me a letter back stating it was removed and its not on their credit file. I sent in dispute letters to Experian, XXXX and XXXX showing them that they could not have validated this information because its not on XXXX report and the us court does not validate this information so there for it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Product: Debt collection

received notice of outstanding debt in the amount of {$2800.00}, on behalf of " XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX When moving out, all finances have been settled, a " move out protocol '' has not been issued and no repairs were requested before move out. Any alleged repairs conducted after and not even informed or coordinated are not acceptable. 
Debt collector FCO, XXXX Md, issued the debt notice, upon phone call onXX/XX/ was informed that the debt has been " disputed '' ( not by me, so by whom? ), and today received ledger thru FCO from apartment company, with statements i am unable to confirm. 
My address and phone credentials have not changed since XXXX ( I was rent guarantor ), and have not been contacted by the rental company at all in the meantime.,
Product: Vehicle loan or lease

I got a car from XXXX dealer and the car was given back to the dealer and the car was sold for {$48000.00} account XXXX collection department : Northstar location services XXXX they are requesting for me to pay {$1700.00} XXXX e-mail stating I can only pay {$500.00} do to my hours at work being reduced and they refused to work with me.
Product: Mortgage

On XXXX XXXX, 2016, I received a phone call from SLS who is servicing my mortgage. They called to inform me that I had not made the XXXX payment. After consulting with my wife, we realized that we had not gone online to make the payment as we normally do. For the first time in 13 years, we missed it. So, I told them I wanted to get caught up and could give them payment information over the phone. She took it and then offered to set me up on EFT. I agreed and gave the corresponding account numbers. After I provided all the information, she told me the account would be up to date within 24-48 hrs and then on EFT going forward. On approx. XXXX XXXX, I received a notice from SLS that my mortgage was going into default and I called them immediately. I was then told that my account was not set up on EFT and they had mailed a notice to me in XXXX. I never received a notice in XXXX and assumed my account was functioning as we had set it up. First, I told them to take two payments and get my account up to date. They agreed to waive the late fees, but I was still not happy that they had removed my account from EFT after we had set it up. They told me there was n't enough time to get it set up for the XXXX payment, but that they sent me notification in regards to that payment. Again, I never received anything in the mail to this effect and was not happy they did n't bother to call. They called me in XXXX when it was late, why did they let it go for nearly two months and not call me again? Why did they rely on the mail when this is such a serious matter? The representative kept telling me they did their part by mailing the notice and I told them it was irrelevant because I never received it. I was also concerned they were going to ding my credit so I asked about that. They told me it would be reported so I requested to speak to a manager. As far as I 'm concerned it was their fault the payment was late and since I would expect to call when a payment is missing as they did in XXXX, they should have done it again in XXXX, especially after telling me I 'm set up on EFT. She said their was nothing they could do about it and it was not their fault. I take great care in watching my credit and this is completely unacceptable to me. I did nothing wrong and they have inconsistently applied their follow up procedures. To my surprise on XXXX XXXX, I received a letter in the mail stating that my account had been removed from EFT. XXXX XXXX!!! Nearly two months after they said they mailed it. I want the credit ding rescinded from my account or I would like to know what my legal options are. I have already moved my account to another mortgage company, but this remains unacceptable.
Product: Mortgage

As a new home buyer trying to purchase a XXXX ( Seller ) through First National Bank of Omaha ( Lender ). Neither Seller/Lender communicated clearly what need to be done to locking in a interest rate. In addition, It appeared that Lender intentionally delayed the loan approval process to go beyond the XXXX day lock in period. 

I had just recently been approved by the Lender for a mortgage that fell through because of the appraisal, but they continued to come up with reasons for delaying the new loan request. Also, between loans they where inconsistent on how to lock in the interest rate. The XXXX loan was through a form, the new loan with Seller needed to be locked in via email. 

Now due to my contract with Seller, I have no options to protect myself from this Lender and have to continue the process no matter what the Lender decides to do, even at closing. Of course, I 'm sure the Lender was completely aware of this when I tried to dispute my case with upper management for a reasonable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of a late payment from my credit report. According to 15 USC 1681a ( 2 ) ( 1 ) under exclusions and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, late payments are illegal if certain conditions are not met.Firstly, financial institutions are not allowed to disclose nonpublic personal information to a nonaffiliated third party unless they clearly and conspicuously disclose to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.Secondly, the consumer should be given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. Lastly, the consumer should be given an explanation of how the consumer can exercise that nondisclosure option.I believe that these conditions were not met in my case and therefore, the late payment on my credit report is illegal. I request that XXXX XXXX XXXX remove the late payment from my credit report as soon as possible.Thank you for your attention to this matter. I've tried to remedy this problem numerous of times with reporting company XXXX, XXXX, XXXX and Equifax to no avail.
Product: Mortgage

In response to my last complaint, this morning I received a voicemail from a person by the name of XXXX XXXX inviting me to call her at my earliest convenience. I did so at XXXX PST today ( XX/XX/2021 ) but the number she gave me was the general customer service number. 
That meant waiting in a queue for half hour to get to speak to somebody. When someone finally picked up, I had to get verified. After I was verified, I had to tell her to transfer me to Ms. XXXX. The representative spent 5 minutes searching for her in the directory. When she finally transferred me, the call went directly to a voicemail with two options : 1 ) make an appointment, 2 ) leave a message. I chose " make an appointment '' only to hear a recorded message informing me that no appointment could be made at this time. 
Is this how Community Loan Servicing addresses their customers ' calls for help? I am in a dire situation trying to save my building and my livelihood, and they refuse to do something as simple as giving me a number for a direct contact. 
Once again, I spent time and emotional energy trying to be a responsible homeowner only to be sandbagged by this institution 's continued internal disfunction. 
Please help me sort this through because they are clearly not interested in helping me.
Product: Payday loan, title loan, or personal loan

I received a home call from a sales person from XXXX XXXX XXXX who outright lied and said that the equipment is free but I had to pay a monthly payment of {$96.00} to keep my security services active. When I was signing up for the fake monthly security services, I received an email looking to confirm my line of credit for {$4000.00}. I did not confirm the loan and told the representative that I was not interested and that told him that he did not disclose that this would be a {$4000.00} loan and I let him know that I was not interested. He apologized and said that he was new and had not been trained and did not know that this was a loan to finance the equipment. I received a text the next day from Citizens and I called to let them know what happened with XXXX and that I wanted to dispute the charges because I didn't accept the security equipment and I didn't confirm the loan online electronically. They told me that they could not close the account for 30 days after I explained that no account should have been opened because I didn't sign for a line of credit. I would like to dispute the charge and report XXXX for misrepresenting their terms. I am not trying to get into debt and acquire a {$4000.00} loan and if that would have been disclosed, a line of credit would not have been opened.
Product: Credit reporting or other personal consumer reports

Attempts were made to open accounts with my information. This information needs to be deleted as it was not mine.
Product: Credit card

PNC was never mine and should be removed as it was opened in identity theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 a Wire Transfer from my Wells Fargo checking account was initiated to XXXX XXXX account. The transfer did not go through. On XX/XX/2022 Wells Fargo Bank was notified to conduct a Wire Transfer Recall which initiated on XX/XX/2022. After much dialog with my Wells Fargo Bank, account rep., XXXX XXXX ( XXXX ) XXXX & XXXX regarding recovery of {$15000.00} from XXXX XXXX, a grievance was filed with Wells Fargo on XX/XX/2022. Case # ( available from XXXX XXXX ). A recovery amount of {$5300.00} was credited to my checking account on XX/XX/2022, approximately 35 % of funds requested from XXXXXXXX XXXX. On XX/XX/2022 I received a letter from Wells Fargo Bank, Claims Assistance Center stating that the case is now considered closed. On XX/XX/2022 I sent an email to my Wells Fargo Bank XXXX, XXXX XXXX at XXXX informing of the Wells Fargo Bank letter I received and to please retain all file correspondence and documentation for I would be taking further action. 

My personal Wells Fargo Bank representative, XXXX XXXX has on file all correspondence and documentation regarding this Wire Transfer Recall.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Capital One Bank ( USA ) Na over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed Capital One Bank ( USA ) Na that I am disputing their claim. Moreover I requested that Capital One Bank ( USA ) Na supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. Capital One Bank ( USA ) Na never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally Capital One Bank ( USA ) Na failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Product: Mortgage

On XX/XX/20 I received a letter from XXXX XXXX XXXX that Dovenmuehle Mortgage Co bought my loan. Dovenmuehle never contacted me. I had to call them 15 to 20 times to get information. I originally refinanced with a 21 year fixed loan. Somehow Dovenmuehle changed it to a 30 year mortgage without my knowledge. I tried to get them to change it and my calls would be answered with someone will contact me, but they never did. On XX/XX/XXXX I received two collection letters demanding payment. Previously I had never had any contact from them. Today, XX/XX/20, I demanded that they take my payments for XXXX & XXXX for the monthly amount I originally refinanced because I didnt want my credit to be affected and to not incur any bogus late fees. In order to pay it by phone I had to pay an additional {$11.00} service fee which I thought was rude in light of me having to pursue them to make the payments. I paid two payments of {$1800.00} for a total of {$3600.00} and was told that they would make the necessary corrections. With all the problems Ive had, Im still uncomfortable that they will follow through. Dovenmuehle gives their industry a bad name. I wish I didnt have to deal with them, but I guess i have no choice.
Product: Credit reporting or other personal consumer reports

I accounted all companies listed on this complaint and asked them to remove accounts and adjust my credit score asp. These account not mines but never been removed and damage my credit scores.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 
XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed Accounts are both the same and they keep just changing the name.