23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The property had major storm damage. Insurance paid nearly {$150000.00} which was escrowed by Simmons Bank. We sold the property and closed on it, but Simmons Bank was non-responsive when requesting the check be sent to the contractor. They finally claim to have sent it ( weeks later ) but it never showed up. It has been missing for weeks and Simmons Bank told me to wait for 90 days and refuses to respond to voicemails or emails. 

Because the contractor placed a lien on the property as they should have, all the funds ( over XXXX ) from the sale of the property are held in a separate escrow- all because of Simmons Banks actions in not sending the funds due to the contractor.
Product: Credit reporting or other personal consumer reports

Recently, I sent a certified letter/affidavit with a notarized signature to XXXX regarding a public record that has not been validated. Despite this, XXXX has continued to violate the Fair Credit Reporting Act ( FCRA ) by failing to provide proper validation and has ignored my previous communication.
Product: Credit reporting or other personal consumer reports

XXXX XXXX since XX/XX/XXXX. I Did all that was required. XXXX XXXX from collection agency took fraud off and notified all 3 credit agencies and XXXX XXXX by XXXXOscar. 
XXXX XXXX still wanted to contact experian and they say experion will not respond back and they just don't do anything I spent 3 hours on phone tonight with 4 different agents. It is well over 30 days so XXXX XXXX just sends 15 page letter stating they can't ID me even after i sent them all info and they have sent many letters with information about problem! but I have to call after every bi weekly letter because they make no sense. they just say, ignore its pending. or ignore we have you ID 'D So as of XX/XX/XXXX they say experion will not respond and my problem. I looked on my experian app and can see fraud was deleted from my credit report. Called experion over and over to tell them to respond to XXXX XXXX but can't get past automated line they hang up. at XXXXXXXX XXXX got through to experian to tell them to contact XXXX XXXX about it being taken off report. at 2 minutes to 8 after going through verification process that took 10 minutes they said i need fraud dept and is now closed. I explained problem and she said she could not help me. no one will help.
Product: Checking or savings account

C/o XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Nevada XXXX Before beginning, Im sure XXXX one more pic ... 
Today, is say I walked into the b of a on XXXX to get cashtobuy weed at my fav store XXXX  on the trip but I got nothing better to do with my life XXXX  in XXXX then request you do your jobs. Question, when you as in the fedgovt brings XXXX once it becomes my cash in my bank account besides you guys knowing Im XXXX who the XXXX i they think they are for not allowing me to take out XXXX XXXX when I firgot my IDS and as before in nys XXXX  and I. The United States for a withdrawal slip of you dnt remember youracct number they ask for your ssn then I wrote my name and city and state my account opened. Doesnt bank of a have a XXXX dollar rule about casss like that? So mr manager XXXX hey its vegas and Im XXXX how cliche he was a total XXXX was that necessary?
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal identity theft regarding opening credit cards using my social security number and personal information. 
XXXX. XX/XX/XXXXXXXX SYNCB/AMAZON ( bank ) 2. XX/XX/XXXX SYNCHRONY ( bank ) XXXX. XX/XX/XXXX XXXX XXXX ( finance ) XXXX. XX/XX/XXXX SYNCHRONY ( bank ) XXXX. XX/XX/XXXX XXXX ( finance ) XXXX. XX/XX/XXXX XXXX XXXX ( finance )
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 6. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Checking or savings account

Someone scanned or duplicated my debit card and has been withdrawing from the same non-Wells Fargo ATM in a city nearby where I live. I called Wells Fargo to ( very politely ) file a claim, the second rep I talked to told me that since the ATM " read my card with the chip in '' it absolutely had to be me even though I have never been to the ATM locations in my life. ( I looked up the location of the ATM 's with the visa ATM locator online using the ATM ID number on my bank statement ) As a result, my claim would be closed and I would not be refunded the money. They are sending me a new card but I am closing all my accounts with them ASAP. 

The amounts are strange too, not even in denominations of {$20.00}. So my guess is that they are withdrawing in a different currency or are using this card for " cash back '' at a gas station or something.

1x charge of {$76.00} with accompanying {$2.00} non-wells fargo ATM charge 2x charge of {$66.00} with accompanying {$2.00} non-wells fargo ATM charge
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXXBalance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thi

s is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2016 Balance : {$32000.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/2023, I submitted an application for residency at XXXX XXXX XXXX in XXXX, Arizona. Upon completion of screening done by Resident Verify , LLC, I was told that my application had been approved with conditions. After several attempts to determine what factors in my credit report caused the adverse action, I was given little-to-no information with the screening company representative simply responding with " we don't have that information ''.
Product: Credit reporting or other personal consumer reports

pursuant to consumer protection laws 15 U.S.C 1681 section 602A section 2 : the company XXXX and associates with account number XXXX has violated my privacy rights. They have also violated the law 15 U.S.C 1681 section 604A section 2 : Which establishes that no consumer information may be published without the proper written consent of the aforementioned person described by law as a consumer.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Date ] XXXX XXXX XXXX XXXX  [ Dealership Address ] [ City, State, ZIP Code ] Subject : Dispute of Unauthorized Hard Inquiry To Whom It May Concern, I am writing to formally dispute these hard inquiry on my credit report by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX made without my authorization. This unauthorized inquiry is a violation of the Fair Credit Reporting Act ( FCRA ) and has potentially serious implications for identity theft, which I take very seriously.

Under FCRA, Section 604, a permissible purpose is required to obtain a consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not established such permission to access my credit information. 

I urge to investigate this matter urgently, remove the hard inquiry from my credit report, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ensure no further unauthorized actions are taken with my information. Please confirm in writing that this inquiry will be removed within the next 30 days to prevent further action on my part. 

Thank you for your immediate attention to this matter. 

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

My account with  XXXX   XXXX  was closed after I voluntaried surrendered my vehicle to them. For years it reported as closed & now it 's being reported as open with  XXXX  of the credit bureaus & I would like the information on my credit report to be reported accurately.
Product: Mortgage

I'm responding to BOA information they submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The FHA numbers I have for this acct in XXXX was ( XXXX ) BOA is showing the FHA number XXXX XXXX with the remaining numbers XXXX out. According to BOA this FHA number was issued in XXXX and is still in place until XXXX. In XXXX the FHA no. is ( XXXX ) Bank of America also made excuses about my Hazard Ins. Money was taken from my mortgage that force the loan into foreclosures. The dates were XX/XX/XXXX amount was {$3100.00} XX/XX/XXXX amount was {$3700.00} XX/XX/XXXX amount was {$2.00}, XXXX XX/XX/XXXX amount was {$2400.00} XX/XX/XXXX amount was {$1300.00} put unapplied funds a TOTAL ( {$13000.00} ) This Ordeal, was created by Bank of America!!! They tried to humiliate me, destroy my reputation, and our credit. I have XXXX XXXX XXXX  XXXX. In XXXX the Doctors XXXX XXXX XXXX. I was sent to XXXX XXXX XXXX where they found XXXX on both of my XXXX, XXXX places in my XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We live in a XXXX world. Nothing I did by filing a lawsuit against XXXX XXXX warrant any Company coming after my family like this. I saw the XXXX XXXX lawsuit and how they were not applying customer 's money toward there mortgage. I'm going to contact the Editor that wrote the article and tell them my Story along with my evidence.
Product: Vehicle loan or lease

We had a loan through Wachovia Financial Services beginning in XXXX. We had our own insurance policy per requirement for auto loan. At the end of XXXX, beginning of XXXX we ran into a financial hardship and became late in making the payments. The truck ( XXXX XXXX XXXX ) was voluntarily given back before the actual repossession took place and we were told that when at auction if the truck sold for more than what we owed a refund would be issued. Also if it sold for less we would be responcible for the balance still owed. We never heard anything. Fast forward 10 years later, I receive a letter from Wells Fago stating they want to know who my insurance carrier was for the months of XXXX XXXX to XXXX XXXX. We have moved 7 times since XX/XX/XXXX. Literally 7 times. All of my records from that time period have been lost or still in boxes I am unable to locate. I need to know who my insurance company was for the end of XXXX, or a copy of my loan agreement. Wells Fargo has this information and is witholding it from me, because there is a suit against Wells Fargo for charging customers for auto insurance ontop of the private auto insurance customers like myself already had. I never received a termination notice from an insurance company. I have a reference number with Wells Fargo : Ref. XXXX If I can provide them with my auto insurance information from the time period above, I am due a refund. 
Our loan was nearly paid off and they were not willing to work with us, that's why we voluntarily let them take it. Had I known I was being charged for extra insurance that would have lowered our payments and the repossession may have never taken place. My name is XXXX XXXX, I live at XXXX XXXX XXXX XXXX CA XXXX. During the time I had the loan I lived at XXXX XXXX XXXX XXXX, XXXX CA XXXX. My phone number is XXXX. I have tried everything I could to obtain this information from DMV, CLUE, XXXX, Ca. Dept. of Insurance, a credit report, an online site called XXXX, and now you. Well I have started calling insurance companies to see if I was insured through them with no success at this point. Please, can you help me? I know the information is there, but I can't find it. Thank you!
Product: Bank account or service

Good Morning, I was not sure you handled these types of issues however I thought I would reach out to you and ask. 

I received a letter from Wells Fargo that my checking account was debited for XXXX XXXX dollars on XXXX XXXX 2015 " As a result of a processing error in which my account was credit twice ". I was unable to find the transaction on my account and proceeded to reach out to the bank. 

I called the bank to inquire and have research done to verify the error ; the representative explained the research would take five business days. When I called back five days later I was told the request would take ten days. After ten days with no response I wrote to the bank through my online account via their contact support. A short time later I received a response that explained this type of research takes some time. I admittedly became frustrated and explained this is unacceptable. I then received a voice message from a XXXX XXXX that said he was from executive services and he has assigned the issue to a XXXX XXXX. I immediately called XXXX XXXX and left a voice mail. Then I received a call from a representative named XXXX stating he was calling about my issue. I explained to XXXX he was the XXXX person I was dealing with including the two phone calls and emails and that I was waiting for XXXX XXXX and hung up. 

XXXX XXXX called and wanted until XXXX XXXX to research this and I explained to him the bank has already been working on this simple debit / credit research for XXXX weeks, I advised him I would give him another week, until XXXX XXXX. Otherwise I was reaching out to you as well as The XXXX and the Commissioner of NC Banking regulation. Etc ; I have explained to XXXX XXXX that if the error was my fault I 'll be fine however I need actual debit / credit proof and not just a form letter stating the error was in the banks favor. 

I know it is only XXXX XXXX dollars however I XXXX last year and I 'm receiving a fraction of my pay as XXXX so every dollar has to be stretched farther. 

Thank you for your consideration, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX U.S. Bankruptcy Court Account Number : XXXX Inquiry XXXX XXXX
Product: Debt collection

I sent a debt validation letter to Progressive Management Systems on XX/XX/2022 in regards to an alleged medical debt. They responded a few days later with an alleged bill showing private medical procedures without my consent. Progressive management systems violated several of my consumer rights, including ( HIPAA ) And also failed to validate a debt at my request, Which is a FDCPA violation. Not only have they ignored my prior request for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. 

I responded to progressive management systems on XX/XX/2022 with a second letter asking them to remove the alleged debt due to several violations, in which they received on XX/XX/2022 certified mail. Pictures and receipts will be provided. In that letter I asked them to please stop reporting this debt due to failure to properly validate the debt, and because they violated HIPAA by sending private medical records. It's been over 30 days and they have yet to respond to me. 

*I will have all the documents attached to this complaint. Please view attached images*
Product: Credit reporting or other personal consumer reports

I checked my credit report noticing that all XXXX bureaus have violated my rights according to the FCRA. All information reporting must be valid, not outdated, and accurate. The names on my credit report attached to alleged delinquent accounts are not me. I have not provided a wet signature nor have I given consent for any creditor listed to furnish an account in my name. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts goin from open to close different balance different dates, movin account to open in closed repeatedly moving please Delete all closed inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for debt validation on my credit report from TransUnion. I have requested this many times over the last 5 months and every time it comes back with " verified '' however TransUnion never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX  I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXall requesting that I have proof of this debt and every time without proof they have verified it.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report late payments on the account listed as XXXX XXXX. 

XXXX is reporting late payments in the XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments are not accurate and can not report XXXX different ways. Furthermore you have provided me with no evidence that proves you did a reasonable investigation into my concerns. Provide me with the documents you used to determine I was indeed late.