23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was laid off due to Covid and, as such, my family got behind on our mortgage. When I got a new job, I contacted my mortgage company to settle the outstanding $ XXXX balance in XX/XX/2021. Soon after contacting them my company sent me to Hawaii for several months to bolster fledgling agencies. My daughter moved into the house to keep an eye on it and most utilities, etc stayed in my name. 
Wells Fargo sent notarized paperwork to me to complete in Hawaii, but they sent it to the wrong address... twice. The third time they sent the documents they had already expired and I had to request a new set. The 4th time ( and over a month later ) I received proper documents, had them notarized, and sent back ASAP. I called a week later to see why my specialist hadn't called me with the results of the application to find she no longer worked there. I asked for a manager and was sent to XXXX, who I later found was not a manager at all. XXXX told me Wells Fargo made some huge mistakes with my documents regarding a problem with the notarized documents and he would personally have them corrected and follow up with me the next day. I never heard from him again, and was later told by XXXX XXXX there was no manager there who goes by XXXX. I then started working with XXXX XXXX who told me everything XXXX did with my account was unnecessary and it set me back several more weeks. At this point we are in XXXX and the program for my mortgage expired due to Wells Fargo 's negligence. I then spoke with XXXX XXXX mentoined everything XXXX started was unnecessary and she appeal the USDA 's decision and she said since it was Wells Fargo 's fault there wouldn't be any problems. She escalated the issue when I mentioned the CFPB, which is when XXXX in the president 's office ( I was led to believe ) got involved. XXXX got a message I was upset about how they wouldn't email me ( which I never mentioned ). I took the time to re-explain the problem for what must have been the 5th or 6th time, and she said there was nothing they could do when XXXX stepped in to explain the situation to XXXX who then apologized for the poor service etc and worked with XXXX to repair the damage the company had done. 
I received a call a week later from XXXX stating they have not made any mistakes and I don't reside in the home I own, despite starting the process while living in it, living there more than 9 of the last 12 months, paying current utilities, while having my daughter watch the house for us. I asked why they sent the paperwork to Hawaii 4 times if this was an issue, to which she didn't respond. I wasn't pleased with this decision and she sent my complaint to the president 's office ( this was the third time I've been told that ) and I got an email from them today saying they were looking into my complaint about email communication. I believe this crosses the line from negligence to actively operating in bad faith to obscure their negligence. Please let me know if there is anything I can do to help.
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX XXXX XXXX XXXX theft. I sent a certified letter to XXXX to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. This is pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ( a ) ), which requires credit reporting agencies to block and delete fraudulent information within four business days of receiving proper documentation. XXXX failed to remove these accounts. I DEMAND that these accounts are deleted IMMEDIATELY!. The law states XXXX business day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This grumbling to EQUIFAX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect.
Product: Credit reporting or other personal consumer reports

Capital one charged off an account on my credit report and the card was never mine to begin with. it was obtained fraudulently. I have disputed this several times with no progress. The account was closed XX/XX/2022.
Product: Credit reporting or other personal consumer reports

This account is under Alitigation the balance is incorrect & i need it close & also remove from my credit report in accordance with the Fair Credit Reporting act XXXX AccountXXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

I have observed XXXXXXXX XXXX XXXX reporting on my credit report, a loan that is not under my name and i am not associated with this. I believe this is identify theft or there is mix-up on their end. I have hired multiple credit repair agencies to dispute these issues and take it off my report for years. This is negatively impacting my abilities to get business and mortgage loans. I am reporting this as a form of escalation.
Product: Vehicle loan or lease

So I applied for an Auto loan with U.S Bank on XX/XX/2023 because me and my family are in need of a new vehicle and I was denied the loan. Now we have to figure out how we can move around from work and daycare and its taking a toll on our expenses right now. One thing I do know is that by consumer 15 USC 1602 Chapter 41 Sub Chapter 1 that I have an Open end credit plan and by me being denied this loan, I am being denied my rights as a consumer. Also, when I gave them my social security number I know that when they ran my credit card ( which is my social security number ) anybody who ran it got paid something and in return from me giving them that I was denied which is not legal. I have contacted them and they were only telling me that I was denied and that is all they can do for me. I also received the denial letter and on the bottom of the letter it states that they can not discriminate anybody who has in good faith under the Consumer Credit Protection Act.
Product: Credit reporting or other personal consumer reports

I have no association with these inquiries or the named creditors, and I urgently request that they be taken off my credit report.
Product: Checking or savings account

My checking account was breached XX/XX/24. I tried to close the account as I opened a new account, but Chase Bank instead " restricted '' the account. XXXX fraudulent transactions of {$4000.00} to {$1000.00} have been charged to the new account with the latest XX/XX/24. I have rejected the transactions and fees charged and have not lost any money because I now monitor the account several times each day. I am disappointed that Chase has inconvenienced me by continuing to charge these transactions to my new account. I am more disappointed that Chase is not trying to stop the theft by having the transactions investigated to stop the thief. From the charges, I have the XXXX  ID # to XXXX, the rental address, a CapitalOne account #, etc. Hopefully the thief could be stopped from attacking me or others! Chase should make the effort to protect its costumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, And they violated my rights numerous times. I demand the accounts listed below removed immediately because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

FINAL NOTICE TO EQUIFAX AND XXXX XXXX BEORE LEGAL ACTIONS BE PURSUED CONCERNING THIS INACCURATE/UNVERIFIABLE ACCOUNT YOU REPORTING ON MY CONSUMER REPORT. This account # XXXX was disputed and deleted for being unverifiable and incorrect by XXXX and XXXX, and Equifax was notified of this deletion, according to the law. I would like to see the documentation that was used to determine the accuracy of these accounts. I'm not sure why you're saying that they're accurate, because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you're in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report. I'm not sure what section of the FCRA this belongs to or whether I'm supposed to quote some text, but I can't let this slide just be I'm not a lawyer. Please send me everything you have on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Chase Card, After reviewing my credit report with XXXX, XXXX, and XXXX ; I noticed that a credit card account that was opened fraudulently is still being reporting to the credit bureaus. The account number being reported is XXXX .... Although no negative information is being reported to the credit bureaus, I want this account removed from my credit reports/profiles due to the fact that I do not recall ever opening this account. I believe this account belonged to an individual with a similar name that lived in the same city that I used to live in. I am requesting that you immediately cease reporting of this account and that you purge all my information from being linked to this closed credit card account. Failure to do so will result in legal action taken against your company/bank in small claims court. The only accounts I have ever had with Chase were auto loan accounts. I have never had a credit card with Chase. If you have proof that I was the individual that somehow opened the account ( closed as of XX/XX/2012 ) in question, please provide me with all the evidence for review so that I may provide an appropriate response. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Credit card

I joined a school to get certified in XX/XX/XXXX which was for a year and until XX/XX/XXXX, XXXX agreed to have automatic billing of {$91.00} per month. I am disputing these charges because I dont have my certification and that is what I signed up for. For XXXX months I have been trying to resolve this as I filed a dispute in XX/XX/XXXX after contacting the school over XXXX times with no resolution or certification. To start when I joined the school I was told that I could cancel anytime as long as certification was not received and that I wouldnt get reimbursed for the months already billed. I tried to cancel within XXXX month if joining because when I joined u was told it would be a live person and training. I was not informed it would be online and no hands on, when the school wouldnt refund my money I proceeded to get my certification until I came across nothing but obstacles. I was locked out of my portal, I was charged without authorization for something called extensions when I dont know why extensions where needed as the year hasnt come up until XX/XX/XXXX. The school allowed me to take my pre quizzes XXXX night right before I was gon na take the certification test and after my pre quizzes I proceeded to take the certification. To find out I was locked out in XXXX spot, it said cancelled in another spot and it said I had to reenroll in another spot. Why did they allow me to take and access everything but my certification, after XXXX attempts of contacting the school, I had no response and had to dispute because I paid and need my certification. My credit card company gave me XXXX hours to send them documentation which wasnt enough time as I have proof and I needed a couple days. They agreed to give me a couple days and then closed the case not in my favor. I faxed them XXXX pages within the XXXX days which they neglected to look at and now XXXX irate because they told me I received the services I paid for and if they looked at my documentation they would see they are incorrect. I tried uploading the documentation in this portal but it was to large. Vey credit card company confirmed they received my documentation and they have lied to Me and keep telling me the case is reopened but there are no provisional credits. Why is someone like me getting screwed and why is my credit card company not doing their investigation properly. I have NO CERTIFICATION AND HAVE NOT BEEN ABLE TO OBTAIN, XXXX OUT {$1000.00} and THIS HAS MESSED UP MY LIFE AND CAUSED ME MIRE STRESS THEN I CAN TOLERATE
Product: Credit card

On XX/XX/2023 at approximately XXXX, I called American Express XXXX retention department at XXXX. My platinum card had just had the {$690.00} annual fee hit on XX/XX/2023. I called and asked if there were any current retention offers on the account. The representative said no, there were not. Or if there were, I deemed them not worth accepting at that time. Then, I needed to get off the phone, as I had arrived at work. The agents normally like to go thru a long, contrived process whereby they ask if they kept you from closing the card, etc etc etc. That is for their own internal job success metrics. I repeatedly said, loudly, 'DO NOT CLOSE THE CARD! DO NOT CLOSE THE CARD! ', before hanging up. 

Regardless, the agent, probably annoyed that I didn't stay on the phone to participate in their XXXX minute question and answer question, closed the account without my request or consent, after more than 7 years of card membership, without my permission, after I hung up. My guess is the agent did this because they were annoyed that I did not stay on the phone for all of the questions. 

I have spent hundreds of thousands of dollars and paid thousands of dollars in both annual fees and merchant transaction fees, and Amex still closed my account without checking, completely as a petty response to me not wanting to waste time answering the agent 's questions. 

The next day, after noticing my card had stopped working, I called Amex retention back at XXXX at XXXX and spoke with XXXX XXXX XXXX informed me that my account had in fact been closed and that AMEX would not be reopening it, even though I did not request it be closed. He did not go back and listen to the calls, he just flat out refused.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have identified an inaccurate account that does not belong to me. This account has caused tremendous hardship on my credit. Please re-investigate the inaccurately placed item on my credit and have it deleted immediately.
Product: Credit card

On XX/XX/year>, XXXX XXXX notified me of a credit card transaction where my card was not present, The charge was for {$12000.00} paid to Cash App " CASH APP*XXXX XXXX XXXX  I did not authorize this charge and have never used this credit card online. This is Internet online fraud, theft and/or computer abuse. XXXX XXXX denied my dispute without providing any particulars about the transaction stating only " We gathered the attached documentation we needed to explain this charge, and we've determined that you're responsible for the amount in question. '' The only attached documentation is a Cash App receipt not any order by me.
Product: Credit reporting or other personal consumer reports

I am unable to obtain a accurate score or to have the information updated. with XXXX XXXX or Transunion they are violating several U.S.C. codes as well as Metro 2 compliance and the FDCPA. I have made multiple attempts as well as phone calls with no resolution or resolve in these matters. I will not tolerate the level of unfairness in regards to these multiple violations this results in damages that I will seek to recover through litigation.
Product: Debt collection

Zion debt holdings informed me that they purchased an old account from XXXX that was opened by a roommate/tenant of mine back in XXXX. 
I previously spoke with XXXX XXXX  in XXXX  and explained that I had not opened this account for a home alarm system, and was assured that the problem was taken care of. 
Before ever contacting me Zion holdings proceeded to put this on my credit report, ruining my score and causing my credit to be damaged severely. 
I disputed this with the credit bureau, letting them know that this fraudulent debt was not mine and was over 15 yrs old. 
I recently received a text from Ziondebtholdings saying, theyve purchased this account from XXXX and would be willing to settle the balance owed from {$910.00} for {$690.00} if paid by XX/XX/XXXX with full deletion from the credit bureaus.They also included an account # XXXX. 
I was never notified before they reported to the credit bureaus.
Product: Debt collection

I have to of the same charges for the same property I never Evan lived there Ive shown proof it was my mother living there using my name an the original balance was XXXX dollars when she moved out they allowed XXXX to get into the property after an I never knew so they chargede for all the months of rent the homeless people where in there now the delt has increased tremendously an keeps going up by XXXX to XXXX dollars every week since it's popped up on my credit not to mention there's another account for the same property charging the same amount to my credit
Product: Credit reporting or other personal consumer reports

In accord with the Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C.1681. XXXX XXXX ( original Creditor : XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX acct : # XX/XX/XXXX, XXXX XXXXXXXX acct : # XXXX XXXX XXXX acct : # XX/XX/XXXX, XXXX acct : # XXXX XXXX acct : # XX/XX/XXXX, XXXX XXXX XXXX XXXX acct : # XX/XX/XXXX, XXXX XXXX acct : # XX/XX/XXXX, XXXX XXXX XXXX  acct : # XXXX XXXX, XXXX acct : # XX/XX/XXXX, XXXX XXXX XXXX acct : # XX/XX/XXXX, XXXXXXXX XXXX acct : XXXX, XXXX XXXXXXXXXXXX acct : # XXXX XXXX XXXX XXXX XXXX acct : # XXXX. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 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

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and GM Financial to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Product: Credit reporting or other personal consumer reports

Recently i have checked my credit report and have noticed several inaccuracies. This inaccuracy i have noticed is not in accordance to the FCRA XXXX XXXX XXXX XXXX, XXXX. I did not open any account, give permission, or enter into any agreement with the listed XXXX XXXX XXXX, or was the debt a CREDIT TRANSACTION. It is to my understanding that this you will investigate these items for me to ensure accuracy. 

Listed below is the agency in question : ( Experian ) Account Name XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Debt collection

i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account,
Product: Credit reporting or other personal consumer reports

delete fraudulent hard inquiries I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX Credit Bureau regarding Inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX  Credit Bureau, regarding the Inquires.