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

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a dispute to Experian because there was something on my consumer report that I did not recognize. I was asking for Urgent Deletion of Inaccurate and Incomplete Information on My Credit Report. It has been well over 30 days and no response from Experian.
Product: Debt collection

The original Creditor XXXX XXXX was sued and forced to pay Consumers for Bad Business Practices such as NCB is trying to do here. This Entity is trying to collect on a debt that has been paid in Bankruptcy and a Civil Class Action Lawsuit filed on the ENTITY they brought the loan from Really this is how VETERANS WHO FOUGHT FOR THIS COUNTRY IS TREATED WITH THIS DISRESPECT!!!!!!!!! WOW. 

My name is spelled XXXX XXXX XXXX. 

You have transformed my name into a CORPORATIONAL NAME for your benefit. This is an absolute disgrace to the United States Citizens or shall I say Employees, whom you constantly tax for your XXXX  XXXX XXXX  XXXX  in the public view such as TV and MEDIA outlets. let 's be real the only XXXX  here is you!!! 

Removal of all charge offs/collections accounts all Hard inquiries anything not related to positive accounts and all late payments, and all negative reporting of closed accounts. Also, anything negative from my credit report IMMEDIATELY!!!!!!!!! 

Anything reporting as active and not showing in a positive status shall be removed immediately. My next step is to file a Class Action Civil Lawsuit against CFPB and ALL ENTITY 'S involved shall be dealt with accordantly by all Statues of the Law and also all three bureaus if not removed Immediately!!!!!! 

Violation of My Consumer Rights!!! This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 

XXXX XXXX OF XXXX RIGHTS XXXX XXXX ( XXXX  ) XXXX  XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

XXXX  XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.
Product: Checking or savings account

I had {$600.00} spent in XXXX {$200.00} transactions on my Debit Card at XXXX XXXX XXXX in the very early morning on XX/XX/XXXX. Wells Fargo nulled the last transaction and notified me. I called them as soon as I awoke to report the fraud, and they opened an investigation but did not manage to refund me the {$400.00} and did not notify me when they were done with my claim, what they found, or why my money was not refunded. I have attached the last communication they had with me on this matter which said they would " let me know what they found out when their research was complete '' but they never did. 

I received a new debit card.Now It is XX/XX/XXXX and once again I had over {$700.00} of my money spent fraudulently on my new debit card. Wells Fargo has clearly had a security breach or is not doing enough to protect my information even on a card that is barely used. I am worried I will be lost in the same black hole of their claims department with no recourse and be out over {$1000.00} just because of using Wells Fargo.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Account XXXX : {$32000.00}
Product: Credit card or prepaid card

I noticed 2 fraud charges on my Chase credit card account for {$400.00} and {$400.00} at XXXX XXXX. Immediately called Chase customer care. They reversed the charge and issued a new card. However, a month later today, I noticed those charges back on my account. Called Chase and they told me our investigation found card was used in-store. Since cards with chips cant be cloned, it had to be you. They said they will look into it more but I am just frustrated by the time and energy I am having to spent into this.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports and it shows erroneous and unverified item that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX 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: Debt collection

I hereby ask Experian to delete account conveyed to you by consumer reporting collection agency XXXX XXXX XXXX for me, with descriptive account since problems has extant within that information, the Agency failed to send the copy of contract with my signature and ID to validate debt within the last 30 days. 
Please remove this collection within one month due to inaccurate information. In addition, please declare that XXXX complied with every aspect of FCRA or other applicable laws. This request is for more than just a summary one-sheet Thanks sincerely for attending to the circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Dispute of XXXX XXXX Account # XXXX I am writing to you in response to the notification dated XX/XX/XXXX, regarding my previous dispute for the above-mentioned account. Despite my numerous attempts to dispute this information, the inaccuracies continue to persist on my credit report. 

Following your agencies ' reinvestigation, the report still contains inaccuracies. Even after you received my previous dispute ( please see the attached document ), two differing dates of last activity remain on my consumer report - Experian reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. 

Moreover, after reviewing the alleged updates from your agencies today, the payment history on the account is reported differently by both agencies. Experian reports my account was 30 days late in XX/XX/2018, 60 days late in XX/XX/XXXX, current in XXXX and XX/XX/2019, 30 days late in XX/XX/2019, 60 days late in XX/XX/XXXX, and 90 days late in XX/XX/XXXX. Conversely, XXXX reports that my account was 60 days late in XX/XX/2018, 90 days late in XX/XX/XXXX, contains no data for XXXX and XX/XX/XXXX, was 60 days late in XXXX XXXX, 90 days late in XX/XX/XXXX, and 120 days late in XX/XX/XXXX. 

This continuous reporting of inaccurate information demonstrates that your agencies did not conduct a reasonable investigation and are non-compliant and negligent pursuant to 15 USC 1681n. The inconsistent data supplied by the furnisher is clearly unreliable.
Product: Checking or savings account

On XX/XX/XXXX I noticed an unauthorized charge on my account an ATM withdrawal for {$260.00} using XXXXXXXX XXXX while I was at work at XXXXXXXX XXXX. This was very suspicious because I didn't even know you could use XXXX XXXX to make ATM withdrawals. I called Chase to file a claim based on this fraudulent charge and they told me they would investigate. 

That weekend XX/XX/XXXX I took the time to comb through my bank statements and noticed more fraudulent charges dating back to XX/XX/year>. These were all charges of the same nature, XXXX XXXX used at an ATM to make a withdrawal. I reported these as unauthorized charges to my bank. The claim XXXXpecialist said that these XXXXXXXX XXXX withdrawal frauds were getting more prevalent and they said they would conduct an investigation. 

Today I got a notice about the initial charge I reported and the claim expert told me they couldn't determine if I had made the transaction or not so my claim had been denied. Shocked, I asked them " What was the process of their investigation? '' They didn't give me that information. I told them that my XXXX ID must have been compromised because, at the time of the fraudulent activity, I was at work. The place where the fraudulent activity occurred is hours away in a town I've never been in. I uploaded my work time stamps to corroborate my story I even uploaded documented tasks and emails I was working on during the time of the unauthorized transaction. I work on-site so there is no way I could simultaneously complete and document tasks while driving to a city XXXX hours away to pull {$260.00} out of an ATM. I also gave them evidence of my schedule and evidence of me having worked that schedule. Tuesday, XX/XX/XXXX I worked XXXX XXXX. I was at work clocked in on-site when the fraudulent activity occurred. I don't know how my claim was investigated and why they don't think it's not suspicious that all the fraudulent activity on my account is the same, XXXX XXXX withdrawal from an ATM. 

Also, these fraudulent ATM XXXX XXXX withdrawals were happening to me pretty frequently and after I had Chase delete and reset my XXXX XXXX  those charges stopped. This is evidence that this activity was not authorized by me.
Product: Vehicle loan or lease

I my additional payment of {$250.00} made on XX/XX/2021 shows to have been reversed on the ledger, however, it hasn't been retroactively back dated to the proper balance or daily interest rate I should be charged since XX/XX/2021. I've submitted my snap shots from XX/XX/2021 and this morning XX/XX/2021. 
The lack of integrity is astonishing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX, PORTFOLIO RECOV ASSOC, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, PORTFOLIO RECOV ASSOC, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Checking or savings account

On or around XXXX I changed my direct deposit from Chase to XXXX due to fees. XXXX told me they never received my XXXX  benefits, which they did. So I changed my direct deposit back to JP Morgan chase. I got my next month benefits fine I received a check from XXXX from my direct deposit of XXXX. I mobile deposited it with Chase and it cleared. When I got to the store my account was closed and so I called. Chase. They said the numbers to the check don't add up. The check I received from XXXX was not being honored. I took the check to XXXX opened a new account. XXXX days later I received a notice that XXXX closed my account and to stamped check refere to maker. I finally was able to open an investigation from XXXX to Chase due the check being cashed by Chase. XXXX back said 4 to 5 days and that was the XX/XX/XXXX My house caught fire on the XXXX and it's a total loss. Any help would b greatly appreciated. Warm Regards Happy holidays XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX XXXX account XXXX Open XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting of an identity mix-up on my credit reports ( XXXX, Transunion, XXXX  ) since 2013. I have filed two police reports and spoken to all 3 credit reporting companies with no success. I am unable to open bank accounts at US national banks or obtain credit because the security questions needed to open such accounts are not my questions. They are questions that pertain to another person by a similar name similar birthday as me. I have the name of the person my identity is being tangled up with but all 3 reporting agencies tell me there is no problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of credit inquires that do not belong to me. I have spoken to the credit bureau and provided them with a police report and the inquiries have not been removed. The following companies and pulled my credit without my knowledge : XXXX 2017, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I would like these to be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 ITEMS. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

Ensuring payments are always on time for this account has been my priority, never allowing them to lapse. I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting

There are XXXX fraudulent accounts on my credit report and XXXX fraudulent credit application inquiries. The fraudulent accounts are XXXX, XXXX and XXXX. The fraudulent inquiries are XXXX XXXX and XXXX. I filed a police report. I sent a letter with my documents and police report to Transunion asking them to remove the fraudulent items. Transunion has taken longer than 30 days, and has not removed any of these items. Please regulate Transunion 's handling of this matter and enforce them to send me the detailed results of their investigation within a proper time frame according to our laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are an authorized 3rd Party ; We are the Escrow/Title Company that handled the sale, and are responsible for making sure the Release of Lien is filed and done so correctly. 
We issued a payoff to PennyMac on XX/XX/XXXX, to pay off the existing mortgage with them. The home was sold. On XX/XX/XXXX, I began communicating with PennyMac regarding the Release of Lien. The Release was recorded on XX/XX/XXXX, but it was filed under the wrong Document Number. The correct Document Number is XXXX. PennyMac filed the Release under XXXX. I sent PennyMac the fully executed 3rd Party Authorization on XX/XX/XXXX. I have continued to follow up with PennyMac on the following dates-XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The continue to tell me they don't have 3rd Party Authorization. The Release of Lien needs to be corrected and filed under the correct Document Number. The lien is still showing up on title as being open, and is causing a cloud on title.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX dispute letters were sent to transunion for a removal of unauthorized hard inquiries. Received a letter from transunion dated XX/XX/XXXX with file # XXXX stating they were deleted from report and still showing inquiries will be listed below. 

XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX  ( Bank ) XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX ( Finance ) XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX XXXX Finance ) XXXX ( Finance ) XXXX  ( Finance ) XXXX  ( Bank ) XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX  ( Bank ) XXXX XXXX ( Finance XXXX XXXX XXXX XXXX ( Auto ) XXXX ( Bank ) XXXX ( Bank )
Product: Mortgage

My loan was sold by Greentree to Ditech approximately 6 months ago. Since that time, my loan payments ( which have always been submitted on time ) have been applied to my escrow rather than my mortgage, thus making my mortgage payments late. We have contacted them each month letting them know that the payment has cleared our bank and they will reapply the payments to our mortgage, which does happen eventually. In the meantime until that payment is applied ( which can take up to 10 days ), we receive calls on our cell phones and our business phone stating our payments are late. Many of these calls come on the weekend and the evenings when we can not address the issue with a live person. This happens EVERY MONTH. My XX/XX/XXXX payment was not applied to my account until XXXX XXXX, therefore accruing for an additional month and making me over 30 days late when my payment was actually received by Ditech on XXXX XXXX. Additionally, my XXXX payment that was sent on XXXX XXXX is still showing delinquent. I talked to a supervisor today that said it is a known error and this is affecting XXXX Ditech clients. The collections calls are borderline harassment since there is no immediate recourse I can take, my mortgage payments are being held hostage due to a computer error, my credit has the potential to be affected and I am being charged unnecessary accrued interest!
Product: Mortgage

My mother and purchase a house through XXXX XXXX in XXXX in XXXX we purchase life policy in the event she or I passed my mother who name was XXXX XXXX XXXX pass XXXX XXXX should had send me a check for XXXX to pay the principal too my house.
Product: Mortgage

My loan was on forbearance for 18 months due to covid-19 financial hardship experienced by my family, when I contacted Wells Fargo I was not giving accurate correct detailed clear information on my options after forbearance to make informed decision on what option is best for me post forbearance, not armed with accurate information on all available options after forbearance the mortgage company placed my loan on " Payment Deferral '' and when I found out I called Wells Fargo and told them that due to my family financial difficulties I can not afford the current payment as it is and I asked them that the best option for me at this time will be the streamline flex modification which will allow me to receive receive mortgage modifications without submitting any paperwork. They ( Wells Fargo ) refused to reverse their decision of placing my loan on payment deferral option. 

I first requested for the streamline flex modification without paperwork submission option in XX/XX/2021, and also in XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX, XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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.