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

To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/1994 SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX THESE ADDRESSES DO NOT BELONG TO ME XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX family THESE NAME VARIATIONS DO NOT BELONG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Requested Correction : please update all info to my correct XXXX XXXX have XXXX all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XX/XX/1994 SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, this account was opened fraudulently XXXX, 2021 and Ive sent in a police report, ftc report and now a cfpb complaint. 

They wont show any proof, but continue to report to the credit bureau XXXX, this has severely damaged my credit and the ability to apply for credit. 

They are purposely updating this account and forcing it to be my account. 

Account XXXX - XXXX {$4600.00} XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX This is against the law!!!
Product: Credit card or prepaid card

On XXXX XXXX, 2018 I received in the mail a XXXX credit card from Wells Fargo that I never applied for. I immediately called Wells Fargo ( after verifying the phone number on their website ). Their department that investigates matters like these is supposedly looking into it and will call me in the next day or two. Rather than giving them any personal information over the phone, I told them that I would go to a Wells Fargo branch to officially close the account.
Product: Payday loan, title loan, or personal loan

On XXXX I received an email stating that my payment was going to be deducted from my account on XX/XX/XXXX with my debit card ending in XXXX. On XX/XX/XXXX, due to a lost or stolen debit card, I went into my One Main Account and I cancelled the payment with the old debit card payments ending in XXXX and setup new payments with the new debit card ending in XXXX. One Main canceled all the old payments that were arranged and the new payment with the new card without my authorization on XX/XX/XXXX. Then made an excuse that they had a declined message from the payment method on XX/XX/XXXX, but failed to mention they ran the old debit card, which is a closed account. It was entirely their fault because on XX/XX/XXXX XXXX XXXX XXXX, my bank, approved the transaction to go through on the new payment method or debit card ending in XXXX. One Main explained that they weren't going to pay the fees that I had accumulated for the late or missed payment because it wasn't their fault and insisted to call my bank and have them pay the fees back to me. Clearly they blatantly lied to me at One Main because the bank records at XXXX XXXX XXXX prove differently than their store tells. My facts align with my story.
Product: Mortgage

XX/XX/XXXX  - Mortgage being held by Mr. Cooper paid off. This is reflected on my login on the online website. Inquired when a lien release form would be mailed to me through instant chat on the website and was initially told that within 30 days I should receive that form. They instructed to call or chat with them if I had not received it within 30 days. 

XX/XX/XXXX  - I have not received the lien release form so I messaged Mr. Cooper through the website. Note, when I call the company, I am never able to get a real person. The phone call directs me to use instant chat on the website and hangs up. On my website login, there is no option to instant chat anymore. It has disappeared. Thus, I have no ability to communicate with a live person at Mr. Cooper about this issue. 

XX/XX/XXXX  - Mr. Cooper responds to my message and now states that lien release will be sent 60-90 days after mortgage payoff. 

XX/XX/23 to present day - Called Mr. Cooper multiple times attempting various phone calls to get accurate information about the lien release as I have been told two different timetables. On the phone, the automated recording now states that lien release forms are available within 3 to 9 months. 

The issue is that I have been told 3 drastically different timetables for receiving a lien release form. The most recent statement on the automated recording stating 3-9 months sounds excessively slow. I am unable to even communicate with a live person at Mr. Cooper and so am escalating this with the CFPB.
Product: Checking or savings account

Deposited a check from my Credit Union for PPP Loan proceeds via " mobile deposit '' to my Fifth Third bank account on business day of XX/XX/20. The funds are not available on the account today XX/XX/20. Contacted Fifth Third customer service line. First contact I was told that the contact they had made to the maker of the check indicated there was a possible issue with the funds being available. The maker ( CU CEO ) then was contacted by me and told me there was not an availability issue and made herself available to intercede with Fifth Third on my behalf to resolve any question regarding funds availability for the check. Second contact with Fifth Third customer service line I was told a second story - that the hold was essentially established due to the large value of the check, {$5100.00}, and that it was a mobile deposit. I was told that I should take the original check used for the mobile deposit to my branch that the branch manager would ( at their own discretion ) be able to complete the deposit / release the hold. This also turned out to not be the case as I found when I went to the branch with the check the branch manager simply stated that she did not have the authority to release the hold. The branch manager stated she was contacting " corporate '' via her workstation - their response was then, per the branch manager, to deny the release of the funds.

I am a small businesses owner, I applied for the PPP loan to attempt to keep things together and my bank is giving me misinformation and bad information regarding this important deposit while holding the funds that were written on a valid financial institution 's paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on XXXX/XXXX/2017 and they explained that I needed to contact them in writing to dispute them. On XXXX/XXXX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so again I called the Experian XXXX/XXXX/2017 and again on XXXX/XXXX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX  although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

American Express has effectively moved US based accounts to XXXX with no notification to customers. The way this has been effected is, the AMEX site ( s ) will show the country where the site is based. In this case it is XXXX. There is a button to change countries -- however, that button is unusable. 

This problem came to my attention when I attempted to get a problem corrected on the AMEX web site where a customer must logon. I needed to get information about my credit card activity for the prior year for tax purposes. We have been doing this for the past several years, which helps us in getting our biz and personal US taxes filed. We found that the extended data downloads fail. We reported this and found that we were talking with people in XXXX ( via the AMEX site, more to this later ), and since it was the weekend, OK. 

The problem is it takes a while to get them to understand the issue you have, they need to go through all this " security '' questioning, etc. to finally realize you are reporting something broken. So a few days later you are called back to be told it is being worked on. This lead me to contact them again last night ( XXXX XX/XX/2017 @ about XXXX US Eastern ). So we get to do all the same diagnostics before they actually listen and find out we have an open ticket for this. 

Today, XXXX XX/XX/2017, I was trying to find the right location to contact AMEX about this. In the past, I could report such things and get them addressed quite rapidly. No longer. The ONLY contact points I am offered are in XXXX. This means that AMEX has off-shored their business from the USofA to XXXX with no notification to customers ( I was n't told ). 

This leaves this question : Can AMEX present themselves as being a US operating company, while having NO US based employees, or operations other than mail drops and locations to send bills from? That is, they have off-shored all but their top management, and pretend to be a US operation. It seems to me that there is a violation of regulations, or an attempt to avoid law/regulations for CC and banking by offshoring their banking and operations to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Cell : XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Assistance with Removal of Inaccurate Information from My Credit Report Dear XXXX XXXX XXXX hope this letter finds you well. 

My name is XXXX XXXX XXXX, and I am writing to seek your assistance regarding several inaccuracies currently reflected on my credit report. Despite multiple attempts to inform the credit bureaus ( XXXX, Equifax, and XXXX ) of these inaccuracies, I have yet to receive a response, and the erroneous information remains on my credit report. 

The presence of these errors is negatively impacting my credit score, my ability to make significant purchases, and my opportunities for obtaining a federal job. I have enclosed a copy of my credit report, highlighting the accounts that should have been deleted a long time ago, as they have been resolved. Specifically, I am requesting the immediate removal of the following : XXXX. XXXXXXXX XXXX XXXXXXXX : These accounts have been fully paid off and should no longer appear on my credit report. 
XXXX. XXXX XXXX : Any collections agency currently listed on my credit report should be removed, as I have successfully resolved these accounts. Enclosed are copies of letters confirming the resolution of these accounts. 
XXXX. **Incorrect Addresses** : My current and only address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Any other addresses listed are incorrect and should be removed from my credit report. 

Additionally, I am an authorized user for XXXX bank accounts with XXXX XXXX  XXXX, XXXX, and XXXX XXXX. Please update my credit report to accurately reflect this status. 

The continued presence of these inaccuracies is causing undue hardship for my family and hindering my career opportunities. I kindly request that you intervene and assist in resolving these issues promptly. 

Once the necessary corrections have been made, please send me a copy of my most recent credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance and understanding. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Cross Country, Mortgage Inc. employee XXXX XXXX, XXXX # XXXX Phone XXXX Cross Country Mortgage, Inc XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Ohio XXXX Employee XXXX XXXX was very slow and unproffesional in the work on our loan for a condo, never hardly getting documents to us or other parties in a timely manner, not responding to our phone calls in a timely manner causing us to fire him, and his company, and getting another Mortgage company that was very good at all aspects of our loan application. XXXX XXXX even purposely delayed sending documents to new company we employed. He also gave bad advise to my wife advising her to come off loan causing us to have to pay {$660.00} to quit deed her onto condo after closing. I would like for XXXX XXXX or his company to reimburse me the {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called multiple times, followed instructions giving by rep & online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX been reaching out to the 3 major consumer to inform them of XXXX XXXX XXXX XXXX illegally is coming after me for some alleged debt. Which they did not write me 5 days in writting before furnishing my consumer report with this information, which is a violation of 15 usc 1692g. Secondly, they are furnishing information in relation to my medical transportation in the ambulance, on a public consumer report. This violates 15 usc 1681 permissable purpose, as they didn't get my written permission. They also didn't have a HIPAA when I asked and they stated so on a recorded line. 

Please look at the exhibits to see the violations I have received via mail.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft in regards to various XXXX accounts with in information for the Equifax accounts XXXX through XXXX, and the following personal information is inaacutrate : XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My social was stolen in XXXX in XXXX Georgia I did my police report and I call the 3 bereus to tell them. But yrs Past and it got worse. Now I got hack all my account information my emails my phone numbers. They have take car loan student loans and personal loans. Im tired of this night mare I have not be able to used my benefit of my social for 20 yrs and the only thing I get is call just to pay bills that are not my .. I want a solucin and get reward for the yrs I lost I disbute a lot of account but in the 3 bereus they have not erase nothing that they closed. I call and they never respond so they can help me more so they can take out the information that I have not used. My social is lock. My email have been hack XXXX XXXX XXXX everything is hack they have all my information. Is a night mare
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not being reported accurately. Specifically, there are two late payments listed on an account for which I made timely payments. The Dates are XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX It is essential that consumer reporting agencies provide information that is completely accurate. 

I have attached a copy of my report to this complaint, highlighting the dates in question. Please investigate this account and update the payment status to reflect that these payments were made on time. 

Thank you for your understanding and prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This is for late payment still reporting on my credit history and my husbands even after creditor agreed to remove late payment. Ally case # XXXX XXXX XXXX XXXX- XXXX, XXXX ( XXXX ) XXXX if creditor doesn't update the credit history like they agreed I will escalate to a lawsuit. They have no evidence what so ever that my payment was late. I informed them several times that their website was down besides that they agreed to remove it so them going back on their agreement is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Balance : {$0.00} UNAUTORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account for OAG CHILD SU is reporting inaccurate information. The balance and last payment dates arent accurate across all 3 credit reports. Ive disputed this with XXXX and the results came back as Remains On Report. 
According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.
Product: Credit reporting or other personal consumer reports

To whom it may concern these hard inquiries in my credit file are from unauthorized use of my social security number. I did not authorize these hard inquiries to be made on my report nor they relate to anything Ive did. Im unaware of any of this. Please REMOVE these unauthorized inquiries from my information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Unauthorized Inquiries : XXXX XXXX Inquiry XXXX : XX/XX/2023 I did not authorize this inquiry nor do I have any knowledge of it. Please remove ASAP XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 I did not authorize this inquiry nor do I have any knowledge of it. Please remove ASAP
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX 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/year> 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

When I reviewed my credit report, I discovered that some of the information was 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX