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

I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A credit card was opened in my name fraudulently on XX/XX/2022. I am frustrated that Bank of America allowed this credit card to be opened fraudulently without any confirmation of my ID.
Product: Mortgage

Our firm, XXXX XXXX, has been monitoring our client 's request for mortgage assistance with Wells Fargo ( " WF '' ) to ensure WF 's compliance with Regulation X. Since XXXX 2015, our client has been actively trying to get her application reviewed in order to begin paying her mortgage and save her home. Despite all her efforts over the past several months, WF never sent the client a letter stating the results of her review. Instead, she received a letter dated XXXX XXXX, 2015 stating she was n't being reviewed anymore because she never provided the requested documents. Since we had provided all of the requested documents and certainly all the documents necessary for a mortgage assistance evaluation, there was no reason the Borrower should have received a letter stating such. After filing our first CFPB complaint against WF in connection with this file and a few more substantive Notices of Error, we were finally informed that WF never evaluated the client because XXXX of the forms was missing a checked box. We believe this was an error. 
Moreover, we received notice soon after the XXXX XXXX letter that the Plaintiff in the active foreclosure case ( XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX ) had moved to reset the foreclosure sale date of the Borrower 's home. The motion was submitted ex parte for the Judge 's review and was executed in chambers without a hearing on XXXX XXXX, 2015. Our firm quickly filed a motion to vacate the order resetting the sale date, which was heard on XXXX XXXX, 2015 at XXXX. During that hearing, the Honorable Judge XXXX XXXX granted our motion to vacate the order, which cancelled the scheduled sale date, and stated Plaintiff must not move to reset the sale date again until the Borrower either received a loan modification or a proper denial letter. A copy of the order is attached to this complaint. 
Right after the hearing on XXXX XXXX, we submitted a Request for Information to WF for information related to its loss mitigation programs and to determine what exact documents were needed for a complete package to be evaluated to avoid any future " document issues. '' WF sent a response dated XXXX XXXX, 2015. However, the response failed to provide any of the requested information and instead stated the Borrower should contact the Home Preservation team as the response to every information request related to loss mitigation. 
On XXXX XXXX, Plaintiff moved to reschedule the foreclosure sale again without providing the Borrower either a proper denial letter or a loan modification as the Judge 's Order required. This motion was also submitted for review ex parte and signed without a hearing on XXXX XXXX. Now this is the second time the sale of the Borrower 's home has been improperly rescheduled due to the actions of Plaintiff 's counsel and the failure of WF to provide accurate information to the Plaintiff, which it has the responsibility to do as the servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : My name is XXXX XXXX, and I am writing you today because I would like to submit a complaint to address what I believe are discrepancies on my credit report. In preparation to purchase a new home in the future, I obtained my credit report and noticed several accounts that are of concern require attention. I hope to gain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the correctness of some of the accounts that reviewed and I am not entirely convinced that all the information within these reporting accounts is true. According to the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is precise. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX  the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy. 
Title 15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent to do so.

Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile. 
Should you initiate an investigation it will be very much appreciated. I understand that a thorough investigation takes a period of fifteen days for completion. After the investigation has begun and has been completed, please remove the accounts with discrepancies in direct violation of the Fair Credit Reporting Act. I would also like to formally request a report of your findings and what representatives had access to my personal information while the investigation commenced. 
Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 
ACCOUNTS : Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 huge concern regarding the possibility that per FCRA, permissible purpose provisions were not followed.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to TransUnion ( XXXX XXXX XXXX ) for XXXX items ( XXXX Automobile Loans ) on my credit report. I did not open these XXXX Automobile Loans and when the dispute came back from TransUnion, they had said the disputed items were verified as accurate. This is not true, as I did not open these XXXX Automobile Loans. 

After calling TransUnion, they said to report the fraud to Consumer Financial Protection Bureau, and send a cover letter, copy of ID and the CFPB Report Number to TransUnion XXXX XXXX XXXX 

XXXXXXXX XXXX XXXX - Date Opened XX/XX/year> - Responsibility : Individual Account - Loan Type : Automobile - Balance : {$34000.00} - High Balance : {$49000.00} XXXX. XXXX XXXX XXXX XXXX - Date Opened XX/XX/year> - Responsibility : Joint Account - Loan Type : Automobile - Balance : {$46000.00} - High Balance : {$67000.00}
Product: Mortgage

Hello, I contacted this agency earlier this year to assist me in getting my 2017 school taxes paid after my old mortgage servicer, XXXX of Virginia failed to do so. In working with my new servicer, Select Portfolio Servicing , Inc of Utah this was finally accomplished as SPS paid them. 

I recently received an escrow account analysis from SPS. They are claiming that when they received my account from XXXX the escrow account was short. They have raised my mortgage payment XXXX a month. After two phone calls with SPS totaling 90 minutes they are acknowledging that the shortage came from them have to pay the school taxes that XXXX didn't pay. 

Essentially I'm being made to pay those school taxes twice. I asked SPS why they don't go after XXXX for those monies. I was told " that's not what they do. '' I was also told that this is an " unfortunate situation '' How can I be responsible for the taxes XXXX didn't pay when I paid my mortgage every month and those taxes were part of my payment? 

More concerning is where are the monies that should have been used to pay my taxes if XXXX didn't use them to pay my 2017 school taxes. 

Maybe this should be looked at by the State Attorney General 's office. 

I look forward to your response. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing the because I have reached out to the credit bureaus about inaccurate information on my credit report and I have not been getting any response back In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So, if thats the case ; how did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX account is a closed account and on a monthly payment plan that has been current. This account has never had a 30 day late payment. Called the company on XX/XX/2023 asking why is a 30 day late payment reflecting on all 3 credit reporting bureaus, Transunion, XXXX and XXXX and request that this be updated and corrected to no late payments and currently on payment arrangement for this closed account. I was told by the company that this matter would be updated and corrected to reflect no late payments.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.

Equifax Listed below are the Inquiries that are being challenged INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXXXXXX Incorrect Names | Incorrect Addresses | Incorrect Employment History | Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX, FL XXXX Experian Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXXXXXX XXXX XXXX XXXX  INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX Incorrect Names | Incorrect Addresses | Incorrect Employment History | Employer - XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employer - XXXX XXXX XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Employer - XXXX XXXX
Product: Mortgage

I had been in an XXXX  and then contacted XXXX for the XXXX time and couldnt keep my job. I contacted my bank and they put me on the forbearance while we tried to get our feet under us. M & T took over our loan and notified use since XXXX ended the XXXX emergency that the forbearance was no longer applicable and demanded the full XXXX  months of roughly {$36000.00} at once. When we attempted to start payments up again, they took the payment, but when the next month came around, M & T refused our payment and demanded the full amount. We tried to set up payment plans, but they refused and sent us foreclosure documents. We became further behind and eventually filed for bankruptcy in order to make them comply with a payment lan so we could save our house. 
M & T Bank has been a vulture from the beginning when they took over our account and instantly stopped working with us with the COVID emergency plan which allowed the bank to put the skipped payments on the backend of the loan. 

My Bankruptcy lawyer just notified me of this update from M & T bank- I have spent a fair amount of time this afternoon reviewing the proofs of claim that have come in, as well as reviewing the XXXX  XXXX Trustee 's objections to confirmation, as well as an objection that has been filed by M & T Bank XXXX your mortgage lender. Let me review each of these briefly with you. 

According to the proof of claim filed by M and T bank ( I have attached a copy of it to this email ) the monthly payment is XXXX. The amount of arrearages is {$75000.00}. In addition, there is apparently a {$12000.00} Post petition/preconfirmation claim from them. I have not seen that on the proof of claim, and have emailed M & T asking them to provide me with documentation for that amount. If it is indeed a post-petition claim, that does have to be paid. In order to try to initially reduce the burden on you, I had proposed not paying any of the M & T arrearage claim during the 1st year of the bankruptcy, and then bump up your monthly plan payment beginning month XXXX. That was an aggressive gamble on our part. Under bankruptcy law if a creditor objects they can require that a fixed monthly payment be made on the arrears. That is what M & T has objected to and required. I can argue about it, but we would lose. As a result we are not going to be able to delay starting payment on the mortgage arrearages, and so I am having to recalculate what your monthly plan payment is going to be. 

I am a XXXX XXXX  who served my country for almost XXXX  years before a President issued an order to Roll Back military personnel while I was XXXX from XXXX. Thrown away with XXXX  days notice with a XXXX XXXX XXXX and no means to support them. I finally had my life squared away when disaster struck and another President issues a decree which takes the rug out from my family and I once again. Please make this terrible company comply which they should have done from the very beginning. The stress my family and I have endured from this and having to file XXXX almost cost me my marriage. Please help in any way that you can. Thank you so much.
Product: Credit reporting or other personal consumer reports

my mother has been stealing my identity i did not have a car loan with cnac
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX XXXX purchased a bad debt from XXXX./XXXX-XXXX, originally opened in XX/XX/XXXX. At the time, they sent a letter which I can include as evidence, that they had purchased this account. I explained to them and provided them with evidence that this had been paid in full per a settlement agreement from XXXX, which allowed them to deduct {$65.00} per month from my banking account. They deducted this and never credited my account with one payment. In fact, they collected well over the {$270.00} amount they had offered to settle for if I made payments. They actually collected {$450.00} before I realized they were still collecting. They never credited my account or paid it back. But the debt was paid in full at that point. 

When XXXX XXXX XXXX purchased the debt, I sent them copies of the bank drafts proving they had deducted the funds. I sent them a copy of the settlement letter and even the man 's name who created the agreement over the phone. They acted as if I'd never contacted them and they have ignored me the same way ever since. 

I have disputed this charge, the date of inception and continually, neither the credit reporting agencies or XXXX XXXX XXXX do a thing. I'm fed up with this. 

I have a previous lawsuit with this disreputable company where I won as part of a larger suit for their fraudulent practices. At this point, I'm disgusted with the way they are treating me.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS MB FIN SVCS Date of inquiry : XX/XX/2024 Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING INACCURATE/INVALID INFORMATION ON MY CREDIT REPORT. I HAVE BROUGHT THIS TO THEIR ATTENTION REQUESTING IMMEDIATE REMOVAL IF INACCURATE INFORMATION FROM MY CREDIT REPORT BUT HAVE NOT REMOVED THE INFORMATION AND/OR ACCOUNTS
Product: Mortgage

XXXX XXXX was pre-qualified with us at XXXX XXXX. She went to XXXX XXXX to have a new home built in a new neighborhood. XXXX is offering her {$15000.00} in upgrades if she uses one of their preferred lenders, instead of using us at XXXX XXXX. Their preferred lenders are paying them for advertising on the XXXX site and for being one of their preferred lenders. Since customers are receiving something of value ( upgrades ) and these lenders are paying XXXX money for advertising, I believe this constitutes a kick back. The lenders aren't really getting anything from the advertising, but they are getting a ton of business from the thing of value being offered by the builder, which is why they are willing to pay for advertising. Here is the link to their preferred lenders in my local XXXX, TN area : XXXX XXXX XXXX XXXX & XXXX
Product: Checking or savings account

I initiated a transaction in the amount of {$700.00} on XX/XX/XXXX to a cover major car repair with the knowledge there were sufficient funds to cover this amount as my balance was {$710.00} at the moment. While also needing to cover an additional expense associated with this repair, I had another urgent transaction that was done late, thus being after what the bank even considers after business hours and therefore technically considered to be the next day, which would have been the XXXX and also what is reflected on my statement. The next day my balance still reflected a positive balance as the bank also doesn't consider pending transactions to be valid until posted, this also being indicated by the fact if a charge which is found to be in dispute can not actually be contested until it officially posts to the account. Hence, during the timeframe the charge is still reflecting under pending status, the customer can not file their dispute even if absolutely certain its invalid and should be challenged. Furthermore, the bank has previously advised that once the balance is in a negative state the customer has an opportunity to bring it current by/no later than XXXX the next business day and the bank will in turn waive any overfraft fees. So, not only was my balance still positive on the XXXX and didn't actually reflect negative until the XXXX, the direct deposit from my employer hit the account very early ( at the start of business day ) on the very next morning of Thursday XX/XX/XXXX. And the deposit was more than sufficient to cover any and all charges while leaving me with a substantial amount of funds remaining thereafter. Yet, the bank inadvertently charged me a {$36.00} overdraft fee anyway despite my having a more than sufficient deposit to come in well before the end of that business day on Thursday the XXXX.