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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I requested verification under section 609 ( a ) ( XXXX ) ( A ) to Experian, XXXX, and XXXX. Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is ground for removal since they also violated my rights under 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 an account without my written instructions. Also, the Credit bureaus took more than 30 days to complete my investigation. 

Here is my certified mail tracking : XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at cars twice from XXXX different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at XXXX telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the XXXX  department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.
Product: Student loan

Wednesday, XX/XX/XXXX XXXX XXXX XXXX 's letter endorsed by 35 Senators, the loan type does NOT have any relationship to eligibility under the Holder Rule. Please refer to the section titled " XXXX Appears to Be Improperly Rejecting Applications. '' Bullet two specifically calls out refinanced student loans held by Earnest. 

Friday, XX/XX/XXXX ( My email to Earnst ) I requested an application for loan forgiveness on my refinanced Earnest student loan that was used for attendance at the XXXX XXXX. This is my second request for the application. The first was denied because of the type of loan. 

Friday, XX/XX/XXXX ( Earnest email to me ) Our records show that you refinanced your Navient and XXXX loan ( s ) with Earnest in XX/XX/2018. Unfortunately, your loan would not be eligible for consideration for discharge through Earnest given that it is a private refinance loan and not a loan used directly for attendance at the XXXX XXXX. 

Saturday, XX/XX/XXXX ( My email to Earnst ) As pointed out in the previous email, refinance with Earnest is in fact eligible. Again, I am requesting a misconduct form for my student loan. 

Saturday, XX/XX/XXXX ( Earnest email to me ) Unfortunately, since your loans are not eligible for consideration for discharge through Earnest, since it is a private refinance loan and not a loan used directly for attendance at the XXXX XXXX, we would be unable to provide you with a misconduct form since we don't provide them. 

Linked here is the letter written by Congress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Debt collection

I had a credit card < Destiny credit card, last 4 digits of the account XXXX it had a balance of XXXX, I paid off this balance over the phone, and closed the account ... after about 2 months, I get a letter from XXXX XXXX stating that I owe them XXXX, which is fraud, as I had already paid off the balance of XXXX. 
I filed a complaint with the BBB and they stated that the account was sold to them in XXXX, they even sent a statement showing what the balance was of XXXX, which I paid, but yet they claim I did not sent any payment to them ( debt collector agency ) and I owe them XXXX. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Debt collection

I have been receiving phone calls from XXXX threatening me with legal action for a bad check and loan and to settle the account with them, but would not provide any details on where this orginated from. I know for a fact I have not written a check in over 15 years and nor am I delinquent on any loans and or credit cards I own. This company called themselves XXXX and had my personal information to include SSN, old contacts of mine and previous old addresses. I checked this number and saw several complaints regarding the same issue and when I called them back to call them out on their fraud and identy theft, the gentleman on the phone became threatening and disconnected the phone call.
Product: Credit reporting or other personal consumer reports

I reached out to capital one bank per request per federal consumer law documentation of 15USC 1681e ( b ) and 15 USC 1681 i ( 5 ). This needs to be deleted and not lawful to report this informaton of late payments. Therefore please remove and delete the late payments by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Checking or savings account

Subject : Formal Complaint regarding frozen account and bounced rent checks I am writing to file a formal complaint against US Bank regarding the unjustified freezing of my account ands the subsequent bouncing of my rent checks. On XX/XX/XXXX, I deposited a third party check into my account through the atm in the amount of XXXX. The check was verified as valid and successfully cleared without any issues. 

However, to my surprise and dismay, on XX/XX/XXXX I received notification that my account had been frozen by US Bank, preventing me from accessing my funds. as a result of this sudden action by the bank, several of my checks were bounced including my rent check for {$2300.00}, leading to significant financial hardship and inconvenience for me. 

Despite numerous attempts to resolve this matter with the bank 's fraud department over the phone, I have consistently directed to visit a branch location in person to address the freeze on my account. This requirement has caused further delays and frustrations as I continue to face difficulties in obtaining access to my own funds. 

The lack of transparency and communication from US Bank regarding the reasons for freezing my account and their failure to promptly resolve this issue have caused undue distress and financial repercussions for me. as a consumer who has faithfully maintained an account with your institution, I am deeply troubled by the handling of this situation. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against US Bank for their negligent actions that have resulted in financial harm to me. I seek prompt resolution and restitution for the bounced rent check as well as compensation for any additional costs incurred due to this incident.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of XXXX : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA & # XXXX ; XXXX permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unable to place or remove a security freeze on my credit file and XXXX XXXX XXXX is unable to check my credit report and told me there is a freeze on my file and my Equifax account has a glitch issues and it needs to be addressed and fixed I cant add a freeze and remove it off my file I dont have a freeze right now but XXXX XXXX XXXX said my Equifax credit report is frozen on there end.. I need have this glitch fix on my Equifax membership
Product: Mortgage

In my previous correspondence and details of letters sent and no replies given by Wells Fargo Home Mortgage. I again have received another letter from an additional state agency. This letter dated XXXX XXXX, XXXX and received on XXXX XXXX, XXXX to my home since purchase in XXXX. This letter from State Foreclosure Prevention Fund, states. Your mortgage company may have informed you recently that you were late on your mortgage payment. If you miss a payment or payments, you XXXX be facing foreclosure on your home. I want you to encourage you to TAKE ACTION NOW to prevent that from happening. It includes the toll free telephone number/email address ( XXXX ) XXXX /www.ncforeclosureprevention.gov, signed XXXX . XXXX XXXX, Manager, Foreclosure Prevention Program. 
This letter comes on the heels of numerous correspondence sent into CFPB and directly to the XXXX portal and Wells Fargo Home Mortgage Executives and CEO 's. All while receiving robo responses and additionally responses to CFPB, stating they ( Wells Fargo Home Mortgage ) are unable to make contact with me. In all correspondence I include my home address, direct telephone number and email address. So to allege that no contact can not be made is categorically false. The semantics displayed by Wells Fargo Home Mortgage has now risen to a laughable level. All while never requesting the factual receipts and records of deposits by myself. It is my hope with the newly appointed point of contact, that Wells Fargo Home Mortgage could take steps to settle how they applied my payments, rather than send disparaging information to foreclosure prevention bureaus.
Product: Credit card or prepaid card

Capital One reports that I have a closed account with a balance of {$5000.00}. Upon the alleged initiation of the application for credit, who did Capital One interview? According to 15 U. S. Code 1681a ( e ), Capital One is required to interview someone. Any information contained can not be considered factual.
Product: Credit reporting

I recently disputed multiple items reporting on my credit file XX/XX/XXXX CASE # ( XXXX ). I have spoken with the Specialized Handling department that has handled this process on multiple occasions through out this process. I was very clearly told by multiple agents and supervisors ' within this department that any/all accounts that were to be removed from my credit file due to FRAUD would also include related inquiries to such accounts being permanently deleted as well. As of today, XXXX XXXX, I still have all of the inquiries currently reporting on my credit file. Actually, I am currently on the phone with the Specialized Handling department ( US ) and they have stated that even though the accounts that were removed from my credit file were deemed as fraud and subsequently removed accordingly, that they are unable to remove these inquiries respectively. This of course directly contradicts what I have been told up to this point as well as does not meet my rights with regard to the FCRA concerning fraudulent accounts and inquiries. I need for these inquiries to be removed as they were directly associated with accounts deemed as fraud and removed from my credit file. 

- XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX/XXXX/XXXX ( ACOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) I am also wanting to dispute a few trade lines/accounts still showing on my credit file as FRAUDLUENT. The following is a breakdown : XXXX XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$1600.00} -XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$1800.00} XXXX XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$2100.00} Does anyone not notice how odd it is that these accounts were opened under a different name and address in a 30 day span? These accounts were opened and closed within 2 weeks a part from each other. How does this not scream fraud? 

Lastly, I need for my current contact information to be updated on my credit file to read as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

On Tuesday, XX/XX/XXXX I received a text message alert from Capital One Bank stating that I was trying to make a {$950.00} purchase was that me or was it an authorized purchase? I replied no and then I called the number provided in the text. Upon calling I found out that there were several transactions that I had not completed/authorized. I immediately filed a dispute and while I was on the phone with the representative, I noticed that my wallet was in fact missing. I informed him at that time that my wallet was missing, however I did remember that I stupidly wrote the pin number on the sleeve that it came in. He said no worries and filed the dispute for me. There was XXXX more transaction in pending I was advised that I had to wait for that XXXX to clear before I could file that transaction as a dispute as well. I called back on Friday XX/XX/XXXX and filed that one as well. 

On Thursday XX/XX/XXXX I called back to get an update. I was informed that my claim had been denied. I asked why and was told something about the card was in my possession. I spoke with several employees trying to get a clearer understanding of what was going on. XXXX told me that the claim was denied and there was nothing I could do about it. I am literally on the phone in tears because I need my money to pay my bills. I called back and another representative gave me the email to send my police report. I called back and finally asked for a Supervisor. She informed me that the original person who filed my claim said that I had that debit card. I said no ma'am I did not and if that was the case why did he XXXX XXXX  me a card that I received in XXXX days. She did apologize and stated that she was reopening the case to include that information. I told her to pull the call because I clearly did not tell him that. I also stated that I felt the issue should be expedited because that was an error on the part of Capital One not me, because he put the wrong info. I sent in the police report and I have done what I need to do on my end. 

All I want is my money. That was {$2400.00} that I worked hard for and I need. Capital One does not want to assist me and they are giving me the run around.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Due to XXXX data breach I have multiple fraudulent items in my consumer report, I have asked company to send me a purchase agreement, purchase assignment and signatures from me with XXXX XXXX XXXX XXXX  proving I have done business with this company. I do not owe this company money nor do I know who this company is or have never done business with this company. They have failed to proved actual proof tiring me to this debt and A BILL IS NOT PROOF. According to 15 USC code 1681c-2 ( Section 605B of the FCRA ) unverified, an inaccurate information must be promptly deleted from consumer report. This is the fifth time I am disputing the same information the fact that XXXX XXXX XXXX XXXX XXXX XXXX nor any of the three credit reporting agencies, XXXX, XXXX, or Experian has provided any proof further demonstrates, the information is unverified and inaccurate. I have not given permission for this to be on my consumer report so this violates section 605B, which is illegal. XXXX assist letter has been sent to this company and they still continue to send a bills. furthermore this company isnt even licensed to collect, Which is also a violation!
Product: Money transfer, virtual currency, or money service

Hello : VENMO has confiscated more than {$11000.00} of our duly earned legal fees money even though the client XXXX XXXX and his XXXX XXXX XXXXXXXX XXXX signed a retainer agreement contract, duly paid legal fees over time, and currently owe a legal fee balance of more than {$4000.00} as per the attached. 

Please see the attached ( 1 ) signed retainer agreement contract authorizing payment, ( 2 ) detailed billing invoice and account stated, as well as ( 3 ) a legal memorandum of law outlining what we did for this individual and his family members who kept paying his legal fee payments and bills. 

He currently owes us more than {$4000.00} in outstanding legal fees. 

Thanks, Kind regards, XXXX
Product: Mortgage

I 'm writing again to yous it 's my third time because I just got my response back from my second mortgage and did not like what I was told saying that they can not combine my both mortgages together they can do a modification on my second loan but I have to put 5 % down in which I do n't have the money for and now they are telling if do n't pay the months I 'm behind they are going to put me in foreclosure I have been paying for the last eight years every month after month and being behind on other bills so I wo n't be behind on my mortgages opening credit card accounts just to pay them and now I 'm stuck paying all this cards and now they tell me they ca n't help me out unless I have 5 % down I talked to a mortgager and for some reason she had a not so nice attitude with me when I told her I do n't have all the backed up money I owe them and the money down that they are asking for I do n't know and do n't understand in what kind of loan they have me stuck on that I just ca n't seem to get any bank to help me refinance it they all have told me the same that they ca n't help me because I am not with XXXX or with XXXX or with harp so I just do n't understand that I have told them the situation and they also do n't seem that they want to help me cause if they know the banks or no one else can help why are they making hard for me to refinance my second mortgage they refinced my first mortgage and I did n't have to put nothing out of my pocket they included my closing cost in my mortgage so I was ok with that not very happy but was ok so I was hoping that they would do it with my second mortgage I do n't see why they ca n't do the same I do n't know and do n't understand why I do n't qualify for it I just believe that they are making to much money on me so they do n't feel the need to help me so you see this why I 'm writing back to yous also I do n't even know what kind of loan I have