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

This was a secured credit card that works like a prepaid card using my own available money put on the card which is reflected on my credit report with Wells Fargo Card Service on my XXXX XXXX Credit Report as Loan Type : Secured Credit Card in the amount of {$300.00} ( XXXX XXXX dollars ). 
Could only used what I had put on the subject card with my own money as a secured credit card, not Wells Fargo Funds. 

There is an inaccurate/incorrect charged off {$2600.00} and high balance of {$3000.00}. The credit limit was just {$300.00}. There was no increased in limit and balance over stated. Was brought to their attention. But, neglected and never resolved as per Federal Truth in Billing Disclosures and Credit Reporting act based upon FTC guideline. 

The account was closed with no balance owed to Wells Fargo Bank in XX/XX/2018. 

The Wells Fargo bank and I agreed to terminate the relationship because the bank was involved in alleged collusion and bad faith banking practices that were not in full compliance. No statement was send to show an itemized history and reconciliation of activities as secured credit card by law.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Several unauthorized inquiries on my credit about XXXX or more some are on twice with no authorization at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX XXXX  } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX Acct # XXXX Was reported in error 30 days late XXXX and XXXX fixed the problem but Experian didn't which is causing me financial stress and hardship where i can't refinance. 
Please help me with this situation. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX / # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute an inaccurate collection account on my credit report that is adversely affecting my credit score. The collection account in question belongs to XXXX XXXX XXXX Account number XXXX, which does not belong to me. I have never entered into any agreement with your company to provide any services that would result in a collection account on my credit report. 

Additionally, there are several other items on my credit report that I also want to dispute, including the following : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX 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. Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX I request that you thoroughly investigate these items and remove them from my credit report, as they are negatively impacting my creditworthiness and causing me difficulties in obtaining credit and loans. 

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate information on my credit report. I have attached supporting documentation and request that you consider it in your investigation. 

I urge you to take prompt action to correct these errors and provide me with written confirmation once these items have been removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, [ Your name and contact information ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, DYNAMIC RECOVERY SOLUT. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. The collection company : Is only on my XXXX account. This is fraudulent situation. Please investigate this account. The account XXXX date open XXXX XXXX. It just shown up on my XXXX account only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Experian on XX/XX/2020, XXXX a representative. She stated that they received my police report, and that a department that does an investigation deemed the report invalid. Please advise how the a credit bureau organization will deem a report invalid. As a victim of fraud how are we suppose to protect ourselves if the credit bureaus will not follow the guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX asking for verification of a debt and asking that documentation along with signatures be provided that proves that I owe said debt. I believe that the debt does not belong to me and asked that it be investigated and removed if documentation could not be provided to link me to said debt. I have had several issues in the past getting this resolved hence the reason why I asked for validation which includes signatures and supporting documentation. None has been provided and this is causing me great pains and detriment. I may have to seek legal counsel if this isnt resolved in a timely manner. XXXX XXXX XXXX is the party I am disputing in XXXX amounts totaling {$4500.00} and for {$740.00}. XXXX could not have possibly verified this debt because no sooner than my request for validation was sent it was return in less than 30 days so it leads me to believe that thorough investigation was not implemented. I needed them to do a thorough investigation for instance requesting the ledger balance if need be or signed documents that I have signed. XXXX more than likely is taking the word of the company and is not actually pulling documents to confirm these allegations and its very harmful to me as a consumer.
Product: Mortgage

Following the closing of my new home with a Conventional Renovation Loan on XXXX, construction on the interior, in accordance with the work write up, began. Several line items have been complete and some are partially complete. When the appointed General Contractor contacted Loan Simple on XXXX in order to schedule the inspection in order for her to access her first draw, Loan Simple told my GC on XXXX she was unable to do so, as they had not yet completed the purchase of the loan from the originating lender ( see attachment 1 ). 

On XXXX, I was contacted by XXXX XXXX at Loan Simple and she explained to me that the loan amount I closed with was less that what I should have been approved for. I was told that as a result, I did not bring enough cash to the closing table ( see attachment 2 ). The difference I am being told I have to now still pay is {$1800.00}. I am also told that if I can provide evidence that I also paid for the Consultant Fee and the Appraisal Fee ( which I already paid ), they will be generous enough to not double charge me and demand only {$510.00} ( see attachment 3-4 ). 

Now that I am XXXX to the XXXX XXXX for the forseeable future, and demolition having already begun in my home back in the United States, this situation is that much more aggrevating. This situation is the result of gross negligence on the side of the lender, as any of these issues could have been addressed prior to coming to an agreement at the closing table for whats required as far as my minimum contribution, and prior to me deploying.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). The account in question is associated with opened on XX/XX/year>, for the amount of {$440.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law. 
Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
Product: Checking or savings account

Check number XXXX for {$120000.00} which was issued XX/XX/year>. On XX/XX/year> United States treasury department verified check was valid and verified check belonged to me and BMO issued the funds then out of nowhere froze account with funds and claim they were unable to accept my verification documents at first then 2weeks later they claim to have sent them back to issuer which has not happened and which there is no record of it being returned to sender. Representatives have told me multiple times check was unable to be verified and account would be closed and check returned when in fact on XX/XX/year> United States treasury verified check validity and responded to your email for check verification on XX/XX/year>. Check is still in system as cashed and not returned. Check was verified with XXXX XXXX case # XXXX and yet BMO is still claiming check has not been verified and returned it also took them 1 almost 2 months to claim check was unverifiable. I have multiple recordings and emails from BMO stating otherwise falsely. Today XX/XX/year> BMO has claimed to have sent the check back to issuer XX/XX/year>. This has caused a major hardship and pain and suffering in my life I am now homeless due to losing my housing due to not being able to cover rent, lost my job due to no functioning vehicle nor to take my children to school or cover medical expenses.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, {$350.00} was taken from my checking account at XXXX Bank. I received an email from Remitly Transfer on XX/XX/2022, that this had been done. I contacted the bank and canceled my account and opened a new one. 
On Monday, XX/XX/XXXX, I received a notice through XXXX XXXX that a credit card was opened in my name for the amount of {$1000.00}, through XXXX of Delaware. I called them and they canceled the card on XX/XX/XXXX. 
I received emails for many attempted purchases at XXXX XXXX, which I reported to them but shipping had already gone out already on the XXXX. Another purchase from XXXX. 
My Social Security number was compromised as well, most likely from my XXXX account which, I have changed the password on. 
A number of services and publications from XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX County of XXXX XXXX, and many more as such ....
Product: Credit reporting or other personal consumer reports

I am fully aware that XXXX, XXXX and Equifax have reported negative credit items on my credit report without sufficient legal standing. This action not only contravenes the statutory provisions outlined in the Fair Credit Reporting Act ( FCRA ) but also disregards the principles upheld by the Supreme Court under the XXXX XXXX. The FCRA aims to ensure accuracy, fairness, and the privacy of information in the files of consumer reporting agencies. 
By collecting and disseminating private information without explicit statutory authority, XXXX, XXXX and Equifax is in violation of my rights as a consumer. This unauthorized practice has led to substantial harm, including but not limited to the negative impact on my credit score, which affects my financial stability and opportunities. 
I request that XXXX, XXXX and Equifax immediately cease the unauthorized collection and reporting of my private information and take corrective action to remove any and all negative credit items that have been inaccurately or unlawfully reported. Furthermore, I urge the CFPB to investigate this matter thoroughly and enforce compliance with the statutory requirements as dictated by the XXXX XXXX and the FCRA. 
Please acknowledge receipt of this letter and inform me of the actions that will be taken to address this issue within 30 days. Failure to comply may result in further legal action to protect my rights and ensure adherence to federal laws and Supreme Court rulings. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/18 I saw 2 charges to my credit card, one for XXXX and one for XXXX that I had no clue what they were for. There was a phone number with the charge and I called and was told I had made a trial purchase and had 14 days to cancel the trial or be charged the above amounts. I told the merchant I had not made this trial purchase and had not agreed to thus and asked them to cancel this and refund me my money. They refused to refund me but did cancel future purchases. The company that did this was XXXXXXXX XXXX  XXXX. 

I also filed a dispute with my credit card ( citi bank ) and sent in 2 different responses. They allowed the charge and did not support the fact I was wrongly charged. I plan to close the credit card and hope this will not affect my credit. I have not did this yet as I am trying to resolve this first. 

The reason my credit card is stating they allowed the charge is that I did not cancel the order until after I was charged. This makes no sense as I can not cancel something I knew nothing about and had not authorized. 

I had ordered something from the company but my order had no strings attached to it but they claim it did. i have my invoice, my packing slip and nothing shows that I would be charged. 

I am asking for your help with this dispute and also help in ensuring as I close this credit card it does not affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delet f the accounts listed IMMEDIATELY!
Product: Vehicle loan or lease

In XX/XX/XXXX - I spoke to a representative name XXXX and informed him I had lost my job. XXXX advised he would be processing a 2 month deferment to cover XXXX and XXXX and my next payment would be due XX/XX/XXXX. On XX/XX/XXXX - 9 days after my payment was due, my car was repossessed while I was inside the XXXX grocery store. Upon contacting Westlake Financial they informed me that I owed {$1100.00} which included XXXX payment a late fee and a {$630.00} repo fee. I asked the company how and why would they repo a car if the payment is only 9 days late? The representative advised my loan was past due for XXXX, XXXX and XXXX but when I pressed that I had a deferment he stated I did but then stated the deferment was recently processed. I asked why was it not processed when the representative XXXX stated he completed? The representative couldn't provide clear answers and I feel this company is operating with deceptive practices by stating they have processed deferments on consumer loans and they do not. They wait to repo the car then process the deferment to make it as if the consumer was delinquent just to collect high repo fees.
Product: Payday loan, title loan, personal loan, or advance loan

SOUTH CAROLINA IS A NON-SPOUSAL STATE. I AM THE ONLY BORROW ON THIS LOAN. THERE WAS A CALL MADE ON XX/XX/year> AT APPROXIMATELY XXXX XXXX XXXX  THIS CALL WAS MADE TO MY SPOUSES CELL PHONE WHO IS ON THE APPLICATION AS A REFERENCE ( NOT A BORROWER ). THE CALLER FROM WORLD FINANCE COMPANY ADVISED MY WIFE THAT THE LOAN WAS DELIQUENT AND DUE FOR 2 PAYMENTS AS OF THE DAY OF THE CALL AND GAVE THE AMOUNT DUE. THIS IS A VIOLATION OF THE FDCPA REGULATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted " XXXX XXXX XXXX '' on CFPB and they seem to think that their late marks on my credit report are correct. They stated that they received my Bankruptcy notice in XX/XX/2017. I filed in XX/XX/2017 so the late marks are irrelevant. They need to remove them. They stated that I have to file a complaint with one of the 3 major credit bureaus.
Product: Mortgage

BB & T can not provide the charge-off reason or history of payments on a loan they say I still owe from XXXX. The original loan was made at Bank XXXX in XXXX which I thought was paid off. I was made aware of the loans existence when my insurance claim check had this banks name on the check as a Second Mortgage in XXXX. It took me several years to get the claim with the Insurance company resolved after water damage in the house in XXXX. We did not have the money to make repairs and then try to get reimbursed. I am a school teacher without the time to make more calls and be on hold for hours anymore. We have 4 boys under 16 now. 

Many trips and several hours to BB & T branches that were not able to help or to sign the check. They offered to take the check and keep any that would be required to pay off any possible loan before signing the check. I did not leave the check, what if they took it all and I could not repair my house. They could not find any accounts in our name at all. I have not received any letters or phone calls from BB & T until after we called them in XXXX. 

I finally called the President of BB & T in XX/XX/XXXX and asked them how I can get the check signed so that I can fix my house. The Presidents Secretary also could not find any account in our name. 
On XX/XX/XXXX I received an email from XXXX & XXXX still refusing to sign the insurance check enabling me to fix my house. It further states that the account was charged-off on XXXX XXXX and that they are unable to provide me with information as to how the account was charged-off or to provide any history on the payments on the account due to BB & T 's seven ( 7 ) year retention policy. 
Their refusal to sign the insurance check are causing additional mold through out my house. The first mortgage company said that they would take care of the BB & T issue and they had us sign the check before they signed it and returned it. BB & T could not locate any loan outstanding so they were not able to help in XXXX. 
XXXX BB & T wants me to send them a fully endorsed check before they will sign it. 
Now they also want us to sign an ACH Draft Form on a XXXX Charge-off for any unknown amount on an undocumented Charge-off they now say is {$45000.00}. The 2 checks to fix my house are for about {$75000.00} dated XX/XX/XXXX. I could not repair my house if they take over XXXX of the money. Please help me as they hold us XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX and XXXX has reported a hard inquiry that I never authorized. These items are a result of identity theft. These items do not relate to me as the consumer. This block was not made in error, neither was it made by a material misrepresentation, nor did I obtain goods or services as a result of the transactions. Your company is required to block and remove these transactions not later than 4 business days upon receipt of this letter and proper documentation. Block and remove the following transactions from the consumer report. 

- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>