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

This is my 2nd 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance XXXX {$3500.00} XXXX XXXX XXXX  XXXX Balance : - XXXX CARD Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance : {$94.00} XXXX - CARD SERVICE Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting

Bank of America sent me XXXX credit card offers checks for no interest for 12 months and 3 % transaction fee. I accepted the offer and deposited XXXX check into my account. They started charging me interest on both accounts. I tried to argue and tell them that this was 12 months no interest offer. They did not agree to remove the interest and said the offer was not valid if you deposit the check on your name. They said it had to be deposited on someone else 's name. I said If I had read that then I would have certainly deposited in my wife 's name and do an online transfer to my account. I said, there is no where written in the offer that I can not deposit the check in my name. They wrote me a written mail that it was written on top of check that the offer is invalid if deposited to your name. I requested a copy of the check to verify and confirmed that there was no such thing written on the check ( check and their communication is attached ). I tried arguing as this is a fraud and stopped making payments on both cards. Ultimately they ruined my credit history. Please look into this as I seriously need to buy a bigger house as my mother lives with us and i only have a XXXX bedroom house with XXXX kids, my wife and mother. I have attached their communication and copy of the check
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate credit inquiries on all 3 credit bureaus 4 on XXXX  5 on trans 5 on 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. 

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 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

To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute XXXX 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : XXXX XXXXXXXX Account Number : XXXX Error : Improper account information reported. 

It appears that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 

I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 

Please note that I expect a response within the XXXX timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.
Product: Credit reporting or other personal consumer reports

Incident Description I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Upon reviewing my credit report, I discovered multiple accounts that I did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information. Incident DetailsThis account is important on my credit report twice it shows up as XXXX XXXX XXXX XXXXXXXX it says payment received XXXX original charge off XXXX status so was charged off XXXX XXXX XXXX XXXX XXXX did they open XX/XX/year> the date closed XXXX XXXX  then it shows up Also under XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data. 3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data. Impact of Fraud The unauthorized accounts have : Negatively impacted my credit report and credit score. Resulted in financial harm and reputational risk. these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( XXXX, Equifax, and XXXX ) as evidence to remove these fraudulent accounts. Relevant federal agencies such as the FTC and CFPB, if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

on XXXX XXXX I was contacted by XXXX i told them the person they are calling for does not live here and to remove my number. they said they would remove the calls. on X/XX/17 I received another call by XXXX asking for same person to collect on. FIRST SOURCE is abusing my phone # and I am a senior citizen and a military family member.
Product: Mortgage

The disbursement amount {$5300.00} reflected in my Loan on XXXX XXXX. It does not match the true taxes {$720.00} of my property for XXXX. 


As a result of this error, BSI Financial increased my monthly payments to {$2500.00}, I called them and told them that I could not pay that amount, and that there was an error on my taxes. BSI changed my monthly payments to {$2100.00}. I usually pay at the end of the month but this payment had to wait for them so it was made XXXX XX/XX/XXXX. This payment should have been due in XXXX. but the website showed that it had not been done. 

I called BSI to ask them why my payment was not reflected, to which they replied that I should send proof of my payment. 

On XX/XX/XXXX, I sent BSI proof of my true taxes and my XXXX payment. I told them that it was unfair that they increased my monthly payment to XXXX for money that I did not owe them. 

BSI told me they will carry out a review. They changed my monthly payments from XXXX to XXXX and the website showed that I had to pay it in XXXX. 

All the monthly changes were made based on the wrong taxes, so I am paying {$5300.00} with interest. 

From XXXX until today, I have sent faxes and emails, none of them have been answered. 

I received a letter from the BSI where they assigned me a person who was familiar with my loan, they gave me a telephone number and an extension, but that extension does not exist. I sent faxes, emails, but none were answered. 

I have called costumer services on multiple occasions. they never refer me to any department. They are friendly, they say they are going to contact the escrow department and that I should wait 3 to 5 days. None of them follow up. They have never called me again, when those 3 or 5 days passed, and when I call again, the same thing is repeated, they are going to contact the escrow department and I have to wait 3 to 5 days. I have asked them to send me a confirmation letter explaining to me what they are doing and how long I should wait, so far have never sent it to me. 

I made my fourteenth payment on XXXX XX/XX/XXXX of {$1600.00} and my fifteenth payment of {$1600.00} on XXXX XX/XX/XXXX but the website showed that I owed two months, so I made my sixteenth payment of {$2100.00} on XXXX XX/XX/XXXX because that was what the website showed, my seventeenth payment of {$1600.00} XXXX XX/XX/XXXX, and my eighteenth payment of {$1600.00} on XXXX XX/XX/XXXX. 

My loan started on XXXX XX/XX/XXXX. BSI has received and processed eighteen payments, which can be seen in my transcript history, yet the website shows that I must pay XXXX. 

When I call BSI customer services they answer that they are reviewing my case. But they have never sent me a confirmation that they are reviewing my case. I have only received letters saying I owe money, which I am paying with late interest and charges.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The date opened is different from XXXXIt 's a violation because all three are not consistent -The number of months is different from Equifax- It's a violation because all three are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from XXXX and Equifax- It's a violation because all three are not consistent XXXXThe comments sections are commenting different comments, and they are not in consistent- It's a violation because all three are not consistent -The 'date last active ' is different from XXXX and XXXXIt 's a violation because all three are not consistent The 'date of last XXXX payment is different from XXXX-It 's a violation because all three are not consistent -As far as the payment history is concerned, is in violation based on XX/XX/year>, XX/XX/year>, XXXX XXXX This account was charged off on the XX/XX/year>. Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge-off account should never include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Given that the payment history information originates from your reporting, it is my understanding that this information should be consistent across all three credit bureaus. 
Please see attachment for proof
Product: Bank account or service

this is a joke and illegal, 4 months later after I have did what I had to do I still as of XX/XX/2017 not received my {$400.00} checking bonus from Citibank. I want my {$400.00} and I think that Citibank should be fined or something for this XXXX they are pulling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my card from Capital One on XX/XX/2021. 

In violation of 15USC 1681 ( Fair Credit Reporting Act ), Capital One has daily harassed me via email and has shared my information with third parties without my permission. 

I have communicated with Capital One several times in an attempt to resolve this issue, but the only response I have received has been increased harassment ( multiple daily emails ).
Product: Debt collection

After getting a notification from XXXX about this debt approximately XXXX, I immediately notified them that this debt was an error of some type. XXXX worked with me to get this resolved and " XXXX '' out the debt. They and myself also contacted Merchants Credit to do the same. After contacting them I was told by a supervisor at Merchant Credit that they had received the notice from XXXX on XXXX/XXXX/16 but could not update with XXXX. was told if they call they would tell XXXX to cease reporting. I informed XXXX XXXX that since this was pulled from them by XXXX they should contact the credit bureau immediately to correct the error. Since they are not willing to do so I informed him I would be contacting CFPB to file a complaint. Although Supervisor XXXX was very nice he was not willing to contact XXXX to fix the situation.
Product: Mortgage

Hello CFPB, Wells Fargo has never answered the below question. Although, they have responded to many requests from me, they have never responded to this simple question. They ramble that they have responded to my request, but they never have responded to this request. Please note how easy it would be to answer this question ; however ; they have refused to answer the question : YOUR COMPLAINT On what day, month, and year did Wells Fargo begin the foreclosure process on my home? Was it XXXX  or XXXX? Please provide the day and month also. Thank you. 


They are obviously afraid to answer this request. Why else would they not answer the question They bring up previous requests, but they have never answered the above request. If they have answered the above request, why don't they point out exactly the date of the response that answered this request. We all know why. Because they have never provided the answer to the request. Please note the pattern that Wells Fargo follows. They pretend to respond to requests ; but they never really answer the request.. They talk around the request. They try to make the customer feel bad or feel horrible for asking the request in the first place. They want to shut me down. They want to make me feel like an XXXX. Just as they did in our last request. The above complaint has never been responded to. So it only makes sense that I ask it again. Hopefully CFPB is recording their responses to prove who they really are. They do not live up to their mission statement or their code of ethics or code of conduct. They do not care about their customers. They care about money. They make more money getting sued than doing the right thing. Please, Wells Fargo, do the right thing, and answer the above request that you have NEVER answered before.
Product: Bank account or service

I have been waiting for ETrade to return my {$100.00} checking account balance for XXXX XXXX months since requested ( 5 months after I closed the account ). 

I opened an account with ETrade in XXXX 2015. After a few weeks of 'please resend this or that document ' and them losing the documents, I closed my accounts ( checking, brokerage, ira, etc. ). I closed the accounts in XXXX 2015. It 's been 8 months and they still have not sent me the initial deposit I transferred into the account. ( I never used the account, initial deposit = {$100.00}. ) I 've made multiple calls and each time I 've been told a different story. Finally, on XXXX/XXXX/2015, a XXXX XXXX XXXX indicated they would send me a check and it would take about 10 days. Well, it 's been 84 days and nothing. Since I have no checks, no ATM card, and no access to the account, I ca n't do anything but wait.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I received information from Chime Bank ( Backed by XXXXXXXX XXXX and XXXXXXXX XXXX ) that my account had been put on hold due to a suspicious transaction ( $ XXXX sent from my XXXX checking account to my Chime checking account ). These are my savings and I transferred them as I was switching savings accounts. I gave in all the information about this to Chime on the XXXX ( 3x form of Identification verification, bank statements, pay proof, complete explanations for the transactions ). When they requested another transaction of a smaller amount to e explained, I sent proof I was the sender and intended recipient an hour later. I was informed they would review my account and get back to me within 2 business days. I still have not heard back about my account. I do not have access to my bank account, it is the end of the month and I have rent, and credit cards due. I have called and emailed multiple times with promises my account would be reviewed, yet this still has not happened.
Product: Debt collection

Repeated texts requesting I call a number regarding an important message from Radius Global Solutions LLC a debt collector. Have not received any other form of communication from this LLC.
Product: Mortgage

Loan Depot collected our escrow payments and then did not pay our county property taxes. When I contacted the company about the tax notice I received they said they would look into it and then call me back. I did not hear back from them and they sold our loan to another company at the end of the year. I later learned that they mailed us a check for the surplus in our escrow ( from not paying our taxes ), and when I found the unopened check it had already expired. I called Loan Depot to request a stop payment and reissue our check ( $ XXXX ) and they submitted the request task on XX/XX/2020. I was told that it would take 7 days for the request to be completed by the research department, and then 14 days for the check to be issued. I called on XX/XX/2020 to follow up on the status and was told that they could see the request was made and that it will take 14 business days to see a check in the mail. I called again on XX/XX/2020 to follow up and the person I spoke with said there was no original request made and that they are submitting it now ; then proceeded to tell me the exact same timeline information that I was already told at the beginning of the month. 

Loan Depot took my money and then failed to handle the tasks they were responsible for. At this point they are still holding my money and not returning it. I am not sure what else to do as I do not trust that they will follow through on the information they are providing me ( again ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute online to remove inquiries that were fraud I sent my FTC report along with identification and was denied removal after proving identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my credit report to ensure all information is accurate and legitimate. I notice XXXX XXXX is reporting false and inaccurate information to XXXX XXXX XXXX XXXX XXXX, PA XXXX, Equifax XXXX XXXX XXXX XXXX, GA XXXX, and XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX 

The information they are reporting is inaccurate and a violation of HIPPA privacy. 
XXXX XXXX account # XXXX, XXXX, XXXX two are DUPLICATED on the Credit Reporting Agencies Someone else personal medical information is online with the above companies. I am asking this matter be investigated and validated. According to federal law 15 USC 1681 s-2 ( 9 ) this is a violation of my right. 

This account was part of a I.D . theft claim that I previously reported, this is a violation of reinsertion requirements due to the Credit Reporting Agencies having allowed it back on the credit report. They have violated 15U.S. code 1681i Also XXXX continue to report XXXX XXXX Account # XXXX on my credit report.
Product: Mortgage

Seneca Mortgage LLC is reporting my loan history inaccurately to the credit bureaus ( XXXX & XXXX ) stating that my Status, which is defined by the Bureaus themselves as " Condition of account when last updated by creditor or otherwise '', as " Pays 91-120 days '' when the current status is Paid off. When I call their phone number and enter my loan number the automated response literally states my last payment amount and says the words " paid off ''. Admittedly I was at one point 3-months behind but caught up the loan when settling the loan and the offer of the note holder. When I call they internally refer to this settlement as a " short sale '' when the amount I paid them came directly out of my bank account from my income and I did not sell my house until about 9-months after I paid off this account. This inaccurate reporting is severely negatively affecting my credit score which is obviously negatively affecting my ability to get a good loan program and interest when purchasing a new home.