23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

THERE ARE XXXX INQUIRES ON MY CREDIT REPORT FROM THE SAME COMPANY THAT SHOULDNT BE THERE
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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 I don't recognize a bunch of hard inquiries on my report which I think is fraud. below is a list of hard inquiries I don't recognize Bank name : XXXX XXXXXXXX XXXX XXXX date : XXXX Bank name : XXXX XXXXXXXX XXXX Inquiry date : XXXX Bank name : XXXXL XXXX XXXX XXXX  Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXXL XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX XXXX Inquiry date : XXXX Bank name : Inquiry date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a negative report and marks on my credit report that has caused damage to my reputation and economic strife.
Product: Debt collection

I am not liable for this debt with JPMorgan Chase Bank. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as I requested.
Product: Credit reporting

On XX/XX/2014 about 3 years ago i filed a complaint against XXXX Case # XXXX for placing a fraudulent account on my credit without contacting me. The Original creditor was supposedly XXXX. I sent XXXX a copy of my police report because i am a victim of ID Theft Police Report Number XXXX. The account was removed. 3 years later the account has been placed on my credit with a new company named XXXX, XXXX Account number XXXX. The company has not contacted me but they put it on my credit. XXXX deleted the account because its the same XXXX account that was placed on my credit in XX/XX/2014 in the amount of XXXX but under a new collection company name which is XXXX. 

I contacted Equifax which was a total nightmare ... .. unbelievable, i spoke with 4 representatives ... I first spoke with XXXX who constantly put me on hold and the call lasted w 30 minutes before she told me she did not see a police report on record for me .... then she said she found it but did not see the account in question which was the previous XXXX account when it was XXXX before she ended the call saying she could no longer hear me on the phone. 

I could not go to work because i was so frustrated .... i came home and called again. I spoke with XXXX who said she could not find the police report and said i needed to file a new one. I advised XXXX that i had also filed a complaint against XXXX in XX/XX/2014 with the CFPB she said the needed the results page .... i told her the end result was that the account was removed and she could look at my credit report and see the results- it was under XXXX in XX/XX/2014. She said her supervisor said i needed to file a new police report. I asked to speak with her supervisor .... after 2 minutes a lady name XXXX asked me for my name and confirmation number. I asked if she was a supervisor and she said yes and asked how could she help me. She said the previous representative ( XXXX ) was no longer on the line and did a blind transfer so she said she was not aware of what was going on???? 
I asked XXXX if she could transfer me to a US supervisor ( English speaking ) she transferred me back into que and i spoke to a rep named XXXX who said she was not a supervisor. XXXX spoke with her supervisor named XXXX and according to her ... she said i needed to file a new police report that contained the new name XXXX. I asked if the account is sold 20 different times in regards to XXXX in the amount of {$780.00}, would i have to file XXXX different police reports ... .. she said he said yes!!!!!
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX  Reference # : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, I try to eliminate errors in my credit report from TransUnion, XXXX, XXXX. They present certain debts which I do not recognize and according to the law I decided to dispute those accounts. I have sent a number of letters asking to verify why these accounts are being reported under my name since I don't know any of these companies. I even went directly to these companies and I ignored my letters, I never received a response from them. I let TransUnion, XXXX  and XXXX  know and they only replied that they had been verified. I ask for evidence of that and I don't answer either. I'm already tired of these companies doing what they want with humble people and damaging their credit report with false information. TransUnion, XXXX  and XXXX  show accounts that I never had with companies I don't recognize : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX. I hope you can stop this injustice.
Product: Prepaid card

I have 4 claims with the Bank of America XXXX  fraud department my identity was stolen and hackers took all my XXXX money. I have been fighting with Bank of America for 2 years now trying to get the money that is owed to me but they have done nothing to resolve this issue. I have submitted approx. 32 pieces of documentation proving these transactions were not done by me as well as police reports identity theft reports etc and still they choose to deny my claims and release money owed to me.. I am now seeking legal counsel on this matter. 
Claim # XXXX Claim # XXXX Claim # XXXX Amounts XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

FINANCIAL RECOVERY SERVICES, INC On a letter Dated XX/XX/2019, In a written letter stated that I owe them {$1000.00} Dollars. I do not owe this debt and sending a written dispute concerning their written letter.
Product: Checking or savings account

Bill payment date set for XXXX starting XX/XX/2021. Wells Fargo sent two payments on wrong date of XX/XX/XXXX. Lengthy calls on that date only to be told Im sorry nothing can be done, its electronic. Being on XXXX I borrowed money to bring current for this mistake. XX/XX/XXXX Wells Fargo sent the same two payments again. I have received the same apologies and a long list of what they can not do to fix it. I dont have the ability to borrow again and has caused a severe hardship. Now they are charging NSF fees for this mistake. They refuse to escalate the call and the branch refuses to investigate. They wont close the account because of the negative amount caused by Wells Fargo. These payments would actually be payments that should have been processed XX/XX/2021 2021
Product: Mortgage

I have been trying to get help from LoanDepot since XX/XX/XXXX. I have continuously supplemented documents that they have asked and they continue to delay my review. I don't think it should take them over 7 months to help me! I have had two foreclosure sale dates and have had to file two bankruptcies just to save my home from being sold. I can't afford another sale date. I am at lost and need help saving my home! Please I ask for your assistance. 


The last update was on XX/XX/2018 and they asked for documents that I had already submitted to the lender and changed their request on paperwork that they had previously asked. My husband had already sent a letter advising them on how much he contributes to the house, pay stubs that show our property address, an ID and our bank statements are in a joint account. Yet, they continue to doubt that he is not living here. 

Please I ask that you help me save my home!
Product: Mortgage

The problem is with Lakeview Loan Servicing with my escrow account. Lakeview is calculating my taxes for FY XX/XX/XXXX incorrectly and forcing me to place an addition {$200.00} into my escrow account and raising my monthly mortgage payment. My county taxes for XXXX XX/XX/XXXX will be XXXX per the XXXX XXXX Treasurers office. Lakeview says my taxes will be XXXX, a difference of XXXX which more than covers the alleged short fall of the escrow account. 

My escrow account on XX/XX/XXXX will have a balance of {$910.00}. Leaving my current monthly payment the same with no changes, my escrow account on XX/XX/XXXX will have a balance of {$1200.00}. 

Thank you.
Product: Credit reporting 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 XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

Transunion won't remove negative items from my report, I called several times and provided documentations, Congress passed the FCRA Laws which allows you to permanently remove negative items from your credit report using prewritten dispute letters which I provided. You can remove these following items legally Collections Late Payments Medical Bills Repossessions Evictions Charge Offs Bankruptcies HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS, AND BANKRUPTCYS and pursuant to the FAIR DEBT ACT 15 UNITED STATES CODE 1692 it should be removed. 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. XXXX XXXX XXXX Account number XXXX. Called XXXX XXXX XXXX  XXXX to resolve this matter ; however, they dont have a record for me because they sold it to XXXX XXXX XXXX  years ago without providing me with 1099 tax form. I am not obligated to pay XXXX XXXX XXXX and will never pay it because my contract is not with them. Please have them remove it from my credit report.
Product: Debt collection

4 Remaining Negative Accounts. 

Account Name : VW CREDIT Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries that have appeared on my credit report due to a recent data breach. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have fraudulent accounts and inquiries removed upon request, once proven that they were unauthorized. 
Please find below a list of accounts and inquiries that were not initiated by me and should be immediately removed : Fraudulent Accounts 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 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 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 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 reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to urgently request your assistance in resolving a matter that has been causing me tremendous distress for over a year. A XXXXXXXX XXXX account ( Account Number : XXXX ) has been fraudulently opened in my name and has been negatively affecting my credit report. This account was opened without my consent, and I have already filed a police report ( Report Number : XXXX ) detailing the fraudulent activity. 

Despite my repeated attempts to dispute this account with TransUnion, XXXX, and XXXX, the account remains on my credit report. My previous message regarding this matter has been ignored, causing me additional stress and frustration during an already challenging time. 

The persistence of this fraudulent account on my credit report has severely impacted my life, including my ability to find a place to live. I have previously requested the original contracts for the disputed items but have not received any response. I am now prepared to take legal action to resolve this matter if necessary. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I demand that this fraudulent account be removed from my credit report immediately. If you are unable to provide signed, original contracts correlating to the account in question, you must delete the items from my credit report. 

Once this investigation is complete, I kindly request an updated copy of my credit report. I have been under immense stress dealing with this issue for months, and I ask that you carefully review my case and provide a resolution where this account is deleted from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt and favorable resolution. 

Sincerely,
Product: Credit reporting

trans union did not verify negative information by sending consumer a copy of the negative information?
Product: Checking or savings account

On XX/XX/XXXX my XXXX matured. In XXXX of XXXX I called to set up transfer to external account for funds to be transfered. I received Email from XXXX Goldman Sachs XXXX account that my transfer was initiated on Thursday XX/XX/XXXX. On XX/XX/XXXX I received XXXX Emails stating the same as previous Email. On XX/XX/XXXX I received Email stating confirmation of my account being closed. I checked my external account but funds were not there. I figured the weekend so I waited till Monday XX/XX/XXXX to call because my account was XXXX out and funds still were not in my external account. I received Email XXXX/XXXX/XXXX before I called stating the transfer was initiated again. Then I called XXXX on phone for over XXXX minutes. I was told that Transfer was denied because they needed to verify that the external account I set up in XXXX of XXXX??? This account was verified because I set it up on Goldman Sachs and minimal transactions were accepted. Also they told me the account would be put back in queue? Did not happen I called again on XX/XX/XXXX on line XXXX minutes I asked to speak to XXXX who was anoyed because I wanted to know what was going on with my account. Later checked account funds were transfered back into the matured XXXX. Now they say the transfer could take up to XXXX days. I checked today XX/XX/XXXX & the account showed the transfer was initiated again but with a XXXX amount transfered. I checked again before filing this complaint and the transfer I just saw this morning was gone, funds put back in Matured XXXX??? 
They said they called and left message on XX/XX/XXXX. I did get a voicemail stating to call such and such number with times available. I get these incomplete text several times a week, did not state company or reason for call. None of this makes any sense. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have sent Experian Credit Bureau information about inaccuracies on my credit file on XX/XX/2023. Accounts which where in question are XXXX XXXX  ( 2 ), XXXX, XXXX, XXXX XXXX XXXX  ( 2 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have received a response on XX/XX/2023 that all disputed items are not on my credit file. As of XX/XX/2023, all disputed items are still on my credit file. It doesn't take three months to delete or remove items from my credit file, as these debt collectors are quick to extort money and harass consumers over a debt that is not theirs.
Product: Debt collection

Listen, i've tried several times to get this account resolved but unfortunately, i haven't been successful as of yet. I've sent all the documetns and forms that were requested of affidavit and it still reports on my credit. The only thing i got back from National Recovery COllection company are bunch of pre-printed statement. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 Midland credit Management and I made an agreement to settle a collection of {$1400.00} paid in full and removed from my credit report for {$1100.00}. I was promised that a letter would be sent to me stated those details. The collection agency reported that I only paid XXXX which has still left a balance of {$340.00} on my credit report. They also stated that I would receive a letter in ten days after the payment was approved. It is now XX/XX/23 ( 16 days ) and I did not receive the letter stating that this debt is resolved in full and would be deleted from my credit report. 

Under an investigation to XXXX and XXXX and XXXX. All companies are refusing to remove the existing amount in full from my credit report even after showing them the noted ( Conversation ) I have with midland credit funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the three credit bureaus on XX/XX/2022 to inquire about some inquiries that I do not recognize. I asked the credit bureaus to provide me with a credit application because I don't recall making such inquires. I asked them to verify and send me proof of the credit inquires because I don't believe the creditor or the credit bureaus are abiding by the law of permissible purpose, because I don't recall ever making such a request for my credit to report to be pulled. I've sent multiple letters to all three bureaus and I did not receive anything back from XXXX in which I know they are illegally Ignoring me. Transunion sent something back stating I have to contact the creditor directly and XXXX never got back with me either. I have mail receipts via USPS and It says it was delivered to them. I've sent multiple letter addressing the issue and they have done nothing at all but violate the FCRA. I took the matter in my own hands and reached out to each creditor and none of them can verify the credit application used to determine the inquiry they listed. I believe the credit bureaus are not reading my request and are just sending out pre template responses.