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

I submitted a complaint for Identity fraud to Experian, and as per Experian 's request here is my authorization. I XXXX XXXX XXXX born XX/XX/1981 ss XXXX Give Experian authorization to proceed with whatever they need to rectify my credit report. I am not a third party, I am one party, a person. thank you
Product: Payday loan, title loan, or personal loan

I was trying to accept a {$50.00} loan but Im getting a error message from the company and I emailed possible Loan and later on today they replied back to me and said my bank account ending XXXX was blocked by third payment party and I never did business with that company and I believe someone hacked into my bank account and I fixed it with XXXX and I need a loan so I can fix my credit
Product: Money transfer, virtual currency, or money service

The companies involved are Wells Fargo Bank, XXXX and XXXX XXXX XXXX 
On XX/XX/XXXX I was approached by a person on XXXX XXXX after a few days brought up XXXX buying. I opened a account on XXXX and XXXX wallet. I made transfers to XXXX then to XXXX XXXX for trading. I did several trades on a site XXXX XXXX XXXX XXXX I did several transfers for transactions total of {$75000.00}. I realized there was a issue when I couldn't withdraw money on XX/XX/XXXX. My accounts at crypto.com and XXXX XXXX were no compromised. I called my bank Wells Fargo Bank when I made 2 wire transfers for Charge back since My account now was compromised they refused to help. I filed a claim on my debit card and savings ACH transfers they declined now two times to help and investigate when I told them money that was sent went to compromised accounts. I told them several times they kept telling me we are investigating for over two weeks being transferred from one person to another over and over. I contacted XXXX and XXXX XXXX also about this issue thru several emails they said your accounts have been compromised. After several emails no response from either one then I get a email from XXXX that I can only make wire Transfers and my account is restricted case closed. XXXXXXXX XXXX emailed mem back sorry your case is closed. My main issue is My bank Wells Fargo refused charge backs on fraudulent purchases and the rude no explanations of why charge backs couldn't be done. Wire transfers could have been reversed going into compromised accounts. I notified them as soon I realized this and they just send me letters declined with no reason and when I called it didn't seem urgent at all. XXXX freezes my account collected several thousand dollars in fees and so did XXXX XXXX XXXX XXXX told me we don't have or store XXXX .No one is taking any of this as responsible for any actions that have taken place. Or willing to help. Wells Fargo Bank mainly could have done charge backs knowing I reported the fraudulent purchases in a compromised account in both my Savings and debit card purchases. I don't know who to turn to for help now. I am retired and this was all my savings now gone and no one to help or even care.
Product: Mortgage

I have a mortgage with PNC. I had to declare bankruptcy in XXXX and have since paid off the bankruptcy. The PNC mtg co said l still owed some money for property taxes yet it showed I was up to date with all payments having been paid on time with escrow for taxes and insurance. They insisted there were back property taxes and were able to prove that was the case. I asked for a modification and they directed me to their website to print out all the necessary forms. During this time while l was getting all information together they stopped accepting my monthly payments saying the could not take payments while I was behind but my online account showed me up to date till XXXX XXXX. When they got to four months returning my payments the began foreclosure procedures against the home. I had sent in most of the modification forms, they had me change some several times and just as I got to the final date they said the did not receive a profit and loss statement I sent to them several times on the fax number used for all other submissions. As a result l had to start over. In order to not lose my home to foreclosure l filed for bankruptcy again and resubmitted all the documentation for the modification. The bankruptcy filing stopped the foreclosure, I would prefer not to file the bankruptcy the trustee and my lawyer have held off the filing of bankruptcy by certain language until I get a determination on the modification. They finally rejected my modification saying l did n't have enough income and l could ask for a short sale of deed XXXX lieu. My house has almost {$150000.00}. In equity. I have since then appealed the rejection of the modification on XXXX XXXX, XXXX this needed to be in by XX/XX/XXXXand now the will take until XX/XX/XXXX. I had added a statement from the State of New Hampshire showing they paid me just under {$6000.00} for XXXX this was for child care and I forgot to include it in the list of income for the modification. 

My complaint is noting all of the above efforts the mortgage co. Has run me around after a payoff on chapter XXXX and five years of on time payments the deliberately returned payments made on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to make me four months behind to foreclose on me. As a result I have had stress, my family has been torn apart my wife and l will probably end our 45 year marriage. Currently we are in the process of listing our home for sale. What this company has done to us is despicable. We were very good customers during the chapt XXXX pay off an the few months after. During the five year chapt. XXXX pay off period the offer XXXX trial modifications both time their terms we set at a time before we received the offer and we could not fulfill the terms although we kept paying the regular amount on time the first of the month for more than the amount offered.
Product: Credit card or prepaid card

The card I am submitting a formal complaint about was issued by Comenity Capital Bank through XXXX - originally a {$350.00} limit card when first opened. Covid-19 happened and I had a job loss. I have attempted for over a year with Comenity Bank, asking for a detailed, itemized forensic reports, Covid-19 " relief '', negotiating a pay off amount, etc. and it's ALWAYS the standard answer of " please give us a call to discuss your matter ''. When calling you can not get through. Many letters sent on my side, as I prefer to have things in writing, and I have stated that each time. No communication other then one letter and vague messages back and forth on their website platform. Now, my bill has rocketed to {$1300.00} with no amorritization, nothing. The card was closed in XXXX of 2020. I paid monthly for their " account assure '' in case of job loss, but since there is no transparency of fees or anything, I'm not sure what was applied. I sent them all of my EDD paperwork to process for payment from account assure as well. I tried to resolve the issue through the XXXX and it just keeps slipping through the cracks and getting larger every month. This treatment isn't fair at all, especially at a time like this. I am willing to pay the {$350.00} from my original bill, but that's all. I feel that they have taken advantage of customers during this time and they are not following the Covid-19 relief laws that were put in place in California. Thank you.
Product: Debt collection

I pulled my credit report on XX/XX/2021 and I saw that it states that I owe {$XX/XX/XXXX} to XX/XX/XXXX opened XX/XX/2021. I disputed with XXXX, XXXX and XXXX. It was removed. 
I pulled my credit report on XX/XX/2021 and it states that I owe {$XX/XX/XXXX} to AMSHER COLLECTION SERV opened on XX/XX/2021. I disputed with XXXX, XXXX and XXXX on XXXX of XX/XX/XXXX. I also asked for Validation and Verification with AMSHER COLLECTION SERV. I received two different letters with different names and amounts on the correspondence. I want to get this collection off my report because I have not done business with AMSHER COLLECTION SERV.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$5400.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by your bureau. The specific account in question is listed as XXXX XXXX XXXX  XXXX XXXX account number XXXX. 

Upon reviewing my credit report, I noticed a significant inaccuracy in the reporting of this account. Specifically : The payment history indicates charge-offs ( CO ) for every month in XXXX, XXXX, and XXXX, yet the balance and status appear unchanged as {$5200.00} since XX/XX/XXXX, when the account was first charged off. 
According to the provided details, the balance has remained the same with no further updates, and the scheduled payments were listed as {$0.00} during the same period, yet monthly charge-offs are still being reported inaccurately. 
This inconsistency suggests that the account is not being updated correctly and violates the accuracy standards set forth under the Fair Credit Reporting Act ( FCRA ). 

I kindly request an investigation into this matter and ask that the inaccurate entries, including the redundant charge-off notations, be corrected or removed promptly. Enclosed, I have included copies of my credit report highlighting the inaccuracies for your reference. 

Please provide me with a written confirmation of your investigation results and any updates made to my credit report. If you require further information or documentation to complete this dispute, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly. 

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

From XXXX - XXXX, I have CONTINUOUSLY BEEN A VICTIM OF IDENTITY THEFT I have reported this to all three Credit bureaus on a number of occasions XXXX  TransUnion XXXX To date I still have 4 Fraudulent accounts listed on my credit report 1 ) XXXX XXXX 2 ) XXXX XXXX 2 accounts 3 ) XXXX XXXX XXXX In addition, these account and other fraudulent accounts or attempted accounts have created Fraudulent Inquiries which also MUST BE REMOVED 1 ) XXXX XXXX XXXX 2 ) XXXX. ( 2 Inquiries ) 3 ) XXXX XXXX ( 2 Inquiries ) 4 ) XXXX 5 ) XXXX. ( 2 Inquiries ) 6 ) XXXX XXXX 7 ) XXXX. ( 2 Inquiries ) 8 ) XXXX XXXX 9 ) XXXX  10 ) XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX  14 ) XXXX XXXX 15 ) XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX  XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX 21 ) XXXX XXXX 22 ) XXXX XXXX XXXX XXXX 23 ) XXXX XXXX 24 ) XXXX XXXX. 2 Inquiries ) 25 ) XXXX XXXX 26 ) XXXX XXXX These fraudulent accounts and inquires are Incorrect and Misleading and by federal law MUST be removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of those companies to Run my Credit. Below you will see the attachments of all inquiries that I will like of my Credit.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ).

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law.

I am disputing the following negative entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$0.00} Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I wanted to buy a home.I shopped around a lot for the best rate.I authorized 3 companies to pull my credit. I went from an 814 credit score to a 740. I have no debt except the house.Several companies pulled my credit after I specifically told them not to as it would affect my XXXX score for some reason I do not understand.XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX were not authorized.One online one I closed the page the minute they asked to run my credit & they still checked my credit.Its a way to ruin our credit to make a higher interest rate.
Product: Debt collection

I received an installment load from Loantopia. I am having trouble with paying it back. XXXX the collector from Loantopia has been call my phone from different phone numbers and will not stop. I am receiving 2 call 5 hours out of the day M-F. XXXX has also called my office and spoke with a colleague regarding this debt that I owe which is a violation of my privacy. I tried to settle with XXXX but she would not compromise. After the last call with XXXX before hanging up I heard XXXX have a conversation with someone in her office stating " There's no way I'm going to let her settle for that much. I need my commission, girl '' This is starting to have a negative impact for me at work and I can't leave my phone on because she is calling from different numbers. What if I have any emergency and someone is trying to reach me because of my daughter? It's too much and it's causing me anxiety. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenge this account for inaccurate information on my credit reports, multiple time it keeps coming back verified and the information in my report is still there
Product: Debt collection

On XX/XX/year> Portfolio Recovery Associates XXXX '' filed a civil suit against me in the amount of {$2700.00}. We are awaiting trial. This is my fifth complaint XXXX. Previous complaint numbers are, XXXX, XXXX, XXXX, XXXX XXXX has now mailed me a letter where I can dispute the debt. How nice of them. XXXX is trying to get me to take ownership of the debt and I refuse! I also feel that at this point they are simply seeking drag out the law suit that they inevitably WILL lose. 
XXXX first filed suit in XXXX, in XXXX XXXX and XXXX I have never lived in. XXXX admitted doing so in complaint number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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 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 XXXXXX/XX/XXXX.
Product: Credit card

Signed up for the American Express XXXX Card when they had the XXXX points bonus offer. Met the minimum spend of {$3000.00} in 3 months. Received the bonus on XXXX/XXXX/16 and they have taken back the XXXX point bonus on XXXX/XXXX/16, called american express customer support was not given any details as to why they have taken the bonus back only that it was a " point adjustment '' and the representative could not tell me anything more. I have done nothing illegal or immoral using any of my amex cards and can not see why the points are being taken back.
Product: Credit reporting or other personal consumer reports

Review your dispute letter Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX  XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Debt collection

I was contacted by a debt collector regarding an apartment I toured. I refused payment to debt due to inaccuracy of my address due to their tatics and errors to collect transactions all while refusing to properly breakdown and validate the debt. I spoke with an agent 1 whom was helpful in understanding of the information provided and agreed it should be removed. I uploaded the requested proof and the case was supposed to be investigated and removed. I was then contacted by another agent whom did not check his emails to see the provided proof due to me uploading the documents on Sat and the agent did not see it because He did not work Sunday so he did not notice it. This caused miscommunication in which the agent became very rude, misinformed about the emails that they sent, refusing to acknowledge my current home address and admitting to sending the notice of debt collection warning mail to their own address so I would not be able to know it existed. He refuse to communicate properly & pushed for a transaction, became frustrated in which he screamed and became rude during the conversation and was not aware nor did he pull up the proof of documents I had provided based on the last conversation with another agent of their company. He then hung up the phone causing me to call another agent who was polite and explained to me that it was an honest error on their part yet and mis communication within their company but Its Big Corporation against little consumer he stated that its best to just pay it even though it he knows it was improperly communicated, filed, and debt. He also provided me with inaccurate dates in which the credit will report to my credit date to push for me to pay it in which it never did. They have violated my rights with the inaccuracy & fairness according to 15 U.S. Code 1681 as well as my rights to communication 15 U.S. Code 1692c - Communication in connection with debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XXXX-XXXX  of XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX ( Sales Manager ) and XXXX XXXX, XXXX XXXX ( Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries 1 letter my wife XXXX XXXX XXXX 1 letter from XXXX XXXX  inquiry and 1 letter from XXXX XXXX rescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to XXXX XXXX  ( Compliance ) on XXXX, XXXX ( email ), XXXX XXXX XXXX XXXX XXXX XXXX , Customer Care Team & XXXX XXXX ( Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX ( email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute XXXX XXXX Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX * ( see File 1 - personal letters pages 1,2 and XXXX XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX XXXX credit reports from XXXX  and XXXX XXXX  ** ( see File 1 - personal letters pages XXXX, XXXX 's letter and XXXX letter ) XXXX XXXX XXXX XXXX, XXXX XXXX ** ( see File 1 ... ) ** 1 XXXX XXXX ( special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX ( Financial Director ) and XXXX ( Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX ( Compliance Manager ) and XXXX XXXX ( Compliance Coordinator ) of XXXX XXXX