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

I have issued a factual complaint and the reporting agencies responded that the information has been verified as accurate. However, I am highly doubtful that any investigation occurred because my report is filled with lots of inaccuracies across all three reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I requested that XXXX conduct an investigation into the false reporting being Done by my mortgage holder, Ditech Financials. Ditech Financials had been falsely reporting to XXXX, that beginning in XX/XX/XXXX and ending on XX/XX/XXXX, I had been defaulting on my mortgage note. As a result of this false reporting, my credit report precipitously decreased from XXXX down to XXXX. If Ditech had done any sort of investigation, it would have learned that my mortgage was paid automatically by my bank before the XXXX of every month for the entirety of the loan period. It would have learned that Ditech had been misapplying the payments to another mortgage account I held. Ditech did not have a proper accounting and servicing system that would and should have prevented Ditech from misapplying funds from one mortgage account to another, particularly since the funds had been paid automatically by my bank for the duration of the time Ditech serviced both loans. 

Instead, XXXX simply changed my credit report to closed and transferred to XXXX which had assumed the mortgage from Ditech. I disputed the matter with XXXX which ceased the false reporting and conducted an investigation. It's investigation caused Ditech to repay the monies to me and I in turn paid the monies to XXXX which brought my loan current. XXXX was unable to fix the false reporting of Ditech, its predecessor. XXXX violated its investigatory responsibilities of the Fair Credit Reporting Act.
Product: Mortgage

Hello, This has to do with Wells Fargo taking over my mortgage from XXXX effective XX/XX/2017, advising me of the transfer of my account. They are charging me an extra charge of {$XXXX} extra for taxes. Where they are charging an extra amount of {$XXXX} I have no idea. I sent them a copy of my property appraisal information, where it states on that document that I'm exempt from any taxes since I'm a XXXXXXXX XXXX XXXX Veteran and except from homestead taxes and I'm over XXXX years of age, But they continue to charge me the {$XXXX} for the last three months..As I've tried to contact them my email and still now answer from them. paying and {$XXXX} My loan number XXXX their phone number is XXXX and their website is wellsfargo.comXXXX Their email address is https : //welsfargo.customercarenet.comXXXX.   My loan number XXXX. Phone number XXXX
Product: Credit reporting or other personal consumer reports

I reached out to Experian multiple times over the past few years to dispute an account they keep saying that its my responsibility to pay however, I have a divorce decree that stated I was not liable any longer for the vehicle and had not had any access to it, and should not be responsible for the depth they waited until the car was repossessed and taken And now the debt is stuck on my credit. They also included an account from years ago that was already settled and added it to my credit account again which just reduced my score within the last 30 days. 

They also didnt protect my identity and told me that it was inside of a data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was in the process of getting ready to apply for a small business loan and needed to check all of my credit reports before proceeding. This is when I observed the fraudulent information on my credit reports. This fraudulent information has caused me hardship and prevented me from moving forward with my much needed business loan. I have resided in the Georgia area since XXXX and have absolutely no association with whom ever opened this account up under my name in the state of Texas. I have attached a police report with detailed information obtained on this matter. I am absolutely appalled at how the original company ( XXXX XXXX/XXXX XXXX ) whom this fraudulent account originated from allowed someone to call in, provide them with my name and SSN number over the phone and they opened up an account for this individual ; I was informed by a representative at the company, that is all that is required for them to approve an account. No one did any verification and now I am the one suffering. After the individual did not pay their bill, XXXX XXXX reported this to a company called XXXX XXXX XXXX, who then sold the account to a company called Transworld System Incorporation which is the company that appeared on my credit reports. Please help me in having this fraudulent information removed from my credit reports immediately so that I can proceed with my business loan. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there.  XXXX   XXXX  is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with   XXXX   and say it is still valid. i Had  XXXX  credit cards with   XXXX   XXXX    (  XXXX   was formerly  XXXX  ) and I had difficulty paying them i n  XX/XX/XXXX - XX/XX/XXXX  and   stopped paying them. Las t    XX/XX/XXXX , I c alled  XXXX   XXXX  and paid off all of the debts. They had sold it to  XXXX   XXXX . I have told them that I already paid   XXXX   XXXX   and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from  XXXX   XXXX  that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to  XXXX  and other collection agencies for the same amount of money. They also need to be corrected and removed  XXXX  also refused to take off  XXXX   XXXX  and  XXXX   XXXX  collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated.     XXXX   XXXX   XXXX   XXXX  - XXXX  accounts. They were paid off completely and in full. THey are not charged off.    XXXX   XXXX  They  did not verify it belongs to me.  XXXX   XXXX  is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify.     So all these inquiries need to be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and you still failed to fix the inaccuracies. So, now after asking you to fix the inaccurate and fraudulent data on my credit report 3 times, it is still showing up inaccurately. On XX/XX/XXXX I pointed out that you are showing that this account was charged off every single month from XX/XX/XXXX to XX/XX/XXXX. Also, now I would like to also point out that this account was settled and paid in XXXX of XXXX, so you definately shouldn't be showing XXXX in XXXX. The other credit bureaus don't. This is highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account appearing on my credit file. There is an unverified Bankruptcy appearing on my Transunion credit file. I have reached out to the US Bankruptcy court to see if they furnished this information to Transunion and they have insisted that they did not furnish this information. Transunion do not have my permission to furnish this incorrect information it is a violation of my right to privacy according to the Fair Credit Reporting Act. My consumer rights are being violated and I demand that this fraudulent account be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint regarding identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX  ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$8600.00} XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$64.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Checking or savings account

I called BBVA in early XX/XX/2021 requesting to close my personal account, joint account and my husbands personal account. They said they could not do that and they needed us to fax the request with all of our account numbers and photo identification to XXXX on XX/XX/2021. I called XX/XX/2021 and spoke to a man named XXXX claiming that we would have to send the request by mail and the letter must be notarized. I am extremely frustrated with no resolution.
Product: Debt collection

Constantly impacting my credit score, reporting to the agencies without my consent and they keep calling me to pay the debt. All debt is obligation of the United States per 31 U.S. Code 3123 18 U.S. Code 8 15 U.S. Code 1692/1692e and 1601.
Product: Credit card or prepaid card

I was trying to get a cash advance against my Sam 's Club MasterCard ( issued by Synchrony Bank ). My last statement shows that I have a, " Cash Advance/Quick Cash Limit '', of {$2000.00}. It also says I have, " Available Cash '', of {$2000.00}. <P/>I wanted to take a cash advance of {$1800.00}, and went to a brick and mortar credit union to get this cash advance. At first my card was declined, but that was because of me not answering a mailing from them, as I am out of state from my permanent location. I get that straightened out, and the CSR tells me that I can only get {$200.00} per day, not any amount up to my limit. <P/>Later, I get on the website for the Sam 's Club MasterCard, and use the chat forum. They tell me the same thing. I then ask if I could get a copy of the cardholder agreement. Or if there 's somewhere online that I can look at it. I find out that there 's nothing online, not even when signed in to my " https : '' online account page. I also find out that they can only mail ( snail-mail/USPS ) a copy of the cardholder agreement, and that I should receive it within 30 days. <P/>This does me absolutely no good. Currently, I 'm roughly XXXX miles away from my mailing address, wo n't be back by it for a couple of weeks, and then only for a few days ; I also ca n't read my agreement online. How am I supposed to verify what they are telling me is correct? I 'm especially upset because of the way it 's worded on my statement as, " Cash Advance/QUICK CASH LIMIT '' ( capitalization except for first letter, mine - for emphasis ). <P/>Do I have any recourse except to wait 30 days to get a copy of my cardholder agreement? I have attached a transcript of the chat session I had with the online CSR ( along with a copy of the chat window, showing both the beginning and the ending of the conversation. <P/>I did post an email address in the attached document with my " Chat '' transcript that you might want to remove before publishing.
Product: Debt collection

The debt account manager at Sallie Mae, name XXXX XXXX Number XXXX has contacted two of my relatives about my debt seeking to get in touch with me. She contacted my mother and father on XX/XX/19, at two separate numbers. I called her on XX/XX/19 to inform her that they are not on my account and since she has my phone number and address she should not be contacting them. She also lied and stated that they are listed as my contacts on my loan application when they are not. I let her know that I had enrolled in a debt assistance program and that they will be contacting her to pay my debt. She informed me that the company is not allowed to communicate with my debt collection account ( another lie ) and threatened that the attempts to reach me and collect my debt through any and all means would continue until I paid my debt.
Product: Checking or savings account

on XX/XX/2021 the Bank of America received my XXXX Social Security Check and deposited it in an account that I had already closed. I went to the branch 5 times in the last month trying to get my refund since social security is my only means of income. At the last 3 visits I was told the after the bank closed my account I would receive my final statement and a cashiers check refund.. I received my statement around XX/XX/XXXX but there was no check. Subsequently I received a letter saying I would receive a cashier 's check for the balance, but never have. Many of my normal monthly expenses have been shut off for lack of payment and I have been charged late fees. 
this has caused me undo stress. 
As of today XX/XX/XXXX, i still have not received my refund. 

I have found several sites which state that this is illegal and that the BOA should never deposited my check since I no longer had an account. Moreover, Government checks issued to a payee must be given to the payee within 1 business day. I need my money.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report that I believe are the result of identity theft following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following fraudulent accounts and inquiries : Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  o Date Opened : XXXX o Current Balance : {$2200.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Current Balance : {$680.00} Inquiries to Be Blocked and Deleted XXXX XXXX XXXX ( Date : XXXX ) XXXX. XXXX XXXX  ( Date : XXXX ) XXXX. XXXX XXXX  ( Date : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX XX/XX/2022
Product: Debt collection

I am the personal representative for an Estate. I contacted Macy 's on XX/XX/2016 when my friend became incapacitated. I hold POA and was advised to send a copy of POA to XXXX XXXX XXXX XXXX GA XXXX - it was returned undeliverable. I called Macys again on XX/XX/2016 ( my friend passed on XX/XX/2016 ) I asked the account be closed a copy of the bill send to my attn. for payment. I called again on XX/XX/2016 confirmed acct was closed and again, requested final bill sent to me. I followed up today XX/XX/2016 and spoke with XXXX in probate. She transferred me to Extension Point, XXXX XXXX - a debt collector. I again, asked for a copy of the bill and a good remit to address. He collected info as a debt collector and advised he would contact my attorney. So now the estate will be paying fees to my attorney to get this bill paid. I have tried to pay the bill and Citibank should be fined for making this so costly for the estate.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

On Thursday XXXX I processed a deposit into a Navy Federal ATM. The deposit included one item which was a Cashier 's Check for {$14000.00}. The deposit was made after the cut off time for the XXXX, so I did not expect funds to be available until XXXX. I called the credit union to confirm the date that the funds would be available and was told that they would not be made available until Wednesday, XXXX, as there would be a two business day hold placed on the item. 

The item was an Official Check which is a next day availability item according to Reg CC. The item was made payable to myself, endorsed by myself and was deposited into an account in my name. I inquired if I could come pick up the check and cancel the deposit to cash the item at the institution it was drawn on, and was told no, because the check was imaged by their ATM. 

I was also told that if I went into a branch to make a deposit, the funds would have been available sooner ( even though the transaction date would be the same ). This is a violation of Reg CC. Placing a hold because I made the deposit at the ATM instead of at the branch is senseless. Also the item is a next day availability item.
Product: Credit reporting or other personal consumer reports

Dear, Transunion Re : Victim of identity theft To whom it may concern these inquires in my credit file or report are from unauthorized use of my social security number and card. i did not authorize these inquires to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. This letter was not sent in error or a misrepresentation. Your company must follow the proper procedures to make sure this get deleted in the time frame it state. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX Sincerely yours, XXXX XXXX Enclosures : Proof of identity, FTC identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect info
Product: Credit card or prepaid card

On XXXX the XXXX I wake up find out I lost XXXX points on my credit report by the 3 bureaus, I was shocked and frustrated and embarrassed with td bank na bout a delinquent, I did not had any knowledge of it since i been making my payments on time for the past 3 years, when I tried to reach out to td bank they didnt help me at all whit this matter, they representative Hang up the phone on my several times and be rude and put on hold no body answer I was to apply for loan and credit card theyre denied me.. please I need help to resolve this issue.. thank you