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

XXXX credit reporting agency is not doing a complete investigation into incorrect information on my credit report. I just received today an updated credit report from XXXX  and the results of the investigation did not solve the problem. There is an account " XXXX XXXX  XXXX that was suppose to be deleted off my credit report '' I 've disputed this account with XXXX and the company responded to delete off my report I am uploading proof that this account was deleted from XXXX because the company responded to delete. XXXX  should have received the same response. I have been disputing this for over 6 months now and when I try to go online to dispute it again XXXX will not let me on to dispute this account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report I am writing to formally dispute unauthorized hard inquiries on my credit report. Upon reviewing my credit report, I noticed multiple hard inquiries from car dealerships that I did not authorize. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent. I did not authorize these inquiries, and they are negatively impacting my credit score. I request that these unauthorized inquiries be removed from my credit report immediately.

Please investigate this matter and provide me with the results of your investigation in writing. If these inquiries were conducted without my authorization, I expect them to be deleted from my credit file. Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries. 

Thank you for your prompt attention to this matter. Please confirm receipt of my dispute and notify me of the resolution at your earliest convenience. 

Sincerely, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have supplied Equifax a letter from XXXX XXXX XXXX saying that they have requested the removal of the accounts from my credit report that Equifax does not remove the account. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate personal information : Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Product: Checking or savings account

We hired XXXX XXXX with XXXX XXXX and design to remodel our home. He gutted house and left with two payments we didnt receive work or product for. 1st one XX/XX/22 in amount of XXXX for cabinet ordered and framing paid for XXXX paid on XX/XX/22 that we never received. We have tried hiring attorney but its a lot of money. We filed complaints with XXXX  and filed report with XXXX report number XXXX. 
All of his licenses with Florida State addresses are phony. They wont answer attorney or our calls. We have documents of products not received. We are wanting to see how we can reverse our wires.
Product: Credit card

A shell XXXX card was opened under my name and possibly my S.S. XXXX in XXXX. I never knew about this account until XX/XX/XXXX when XXXX XXXX XXXX contacted me in an attempt to collect an outstanding debt. I've tried to contact Citibank who is the guarantor of this card. I can not get through to any representative in order to get information to dispute this with Citibank, because I don't have the full account XXXX to the card. I never opened this account nor have I ever charged on this account.
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, rules of construction, accuracy and confidentiality under 15 USC 1681. They stated my accounts were verified. How can that be if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate. Enclosed is a copy of my report still showing inaccuracies.

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.

15 U.S.C 1681a Rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX XXXX XXXX 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

I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.
Product: Mortgage

Subject : Wells Fargo omits proof of false foreclosure Please reject the response by Wells Fargo in complaint numbers XXXX and XXXX. Wells Fargos response is inadequate and a duplication. My complaints had entirely new information that was not previously provided. Wells Fargo ignored the evidence and completely disregarded the new information by restating their history lesson from months ago. The CFPB standard is to avoid duplication. This standard should be applied to the Wells Fargo response where the repeat offender regurgitates their answers from months ago.

Wells Fargo is violating the Consent Order by failing to add my name to the list of victims. By naming their victims Wells Fargo gets a free pass to investigate themselves. Wells Fargos histor
y lesson is not going to make me whole under the Consent Order. I want justice. 
As can be seen in my letter to XXXX XXXX XXXX, XXXX ; I listed the items providing the facts showing the false foreclosure which contradict Wells Fargos history lesson. Please direct Wells Fargo to address the documents I provided one at a time in their answer. 



This is additional information to be used with complaint number XXXX Please see attached letter to XXXX XXXX XXXX XXXX Complaint : XXXX There is additional documentation in this complaint that has never been provided in previous complaints. It makes a major difference in the credibility of my complaint that has not been provided previously. This complaint is a completion of the false foreclosure complaint. See attached letter and exhibits : XX/XX/XXXX Letter to XXXX XXXX XXXX, CED and President - XXXX pages Exhibit XXXX showing that I have made all contractual payments Exhibit XXXX. Wells Fargo Letter ad Check Dated XX/XX/XXXX ( XXXX pages ) Exhibit XXXX. Wells Fargo Letter XX/XX/XXXX ( Wells Fargo 's basis for foreclosure ) Exhibit XXXX. Wells Fargo XXXX XXXXXXXX XXXX Affidavit to Court " failure to cure '' Exhibit XXXX. XXXX XXXX, Affidavit to Court with footnote Exhibit XXXX. Wells Fargo XX/XX/XXXX Mortgage Statements ( Incomprehensible ) XXXX pages Exhibit XXXX. XXXX XXXX XXXX XX/XX/XXXX increase in payment ( false increase proved by receipts from the Receiver of Taxes ) XXXX pages Exhibit XXXX. CFPB Complaint No. XXXX XX/XX/XXXX false increase and false delinquency ( XXXX pages )
Product: Mortgage

I did the forbearance due to XXXX and my XXXX XXXX. Before I got behind I called Bank of America, no help as time went on there was always some hoop I had to jump through. I became really sick XX/XX/XXXX and am still fighting to get better. They didnt care. Before they started foreclosure started I asked for the loan modification documents. It took over XXXX XXXX weeks to get them. They started foreclosure right before they finely sent them to me. Not fair. Im not running from my debt, Ive been trying to get help. Early on I tried to pay a month and a half and they refused it. Again not fair I could have been working on catching up. They contacted me the week of XXXX and gave me 3 days to make 2 house payments. They knew that wasnt possible. Again not being told all of these fees were being added because they didnt send documents in a timely matter. But I have to pay for them taking peoples homes that are trying to work with Bank of America. Someone should be able to help me. I have had my loan since XXXX. The house is in my name alone but they have sent a letter and served my x husband papers. That shows they dont have documents correct and very poor customer service and main office. They are just cold and dont seem to care. I will never recommend Bank of America to anyone.
Product: Debt collection

Company name is now called Phoenix Financial Serv. Prior company named was XXXX XXXX. They keep changing names of company so it will impact credit negatively. I know this due to the phone call i recieved from the company. They do this so credit scores will not be able to rise due to an old debt, but looks like a new debt to credit agencies. all because they keep changing name of company. Its not supposed to reflect negative on credit if the debt is over 2 years old. Its a shame that because i went threw a hard time no health insurance, that I have had negative items on my credit for almost 7 years. How can one ever get ahead if there are companies acting out with gray business practices? This has been going on for 7 years now on my credit, they have changed names atleast 4 times. they do this to the people that are unable to pay very old debts. An agent for there company told me that some 5 months ago when attempting to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureau regarding a collection account that I do not believe I owe as it is from XXXX XXXX at a time when my husband and I were in XXXX. I asked for proof of where this random debt came from twice via certified letters once in around XXXX and I resubmitted a request for proof at the end of XXXX. It is currently XX/XX/18 and I have yet to see any documentation regarding this bill/collection account ( XXXX ) from the credit bureau or the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company do not have my permition to check my credit this is a fraudulent
Product: Checking or savings account

The Telephone Consumer Protection Act is a separate federal law that regulates any entity that uses the telephone to do business. It applies to debt collectors, because they often or always limit themselves to phone or mail communications in their efforts to collect debts. Like the FDCPA, the TCPA is a strict liability statute that imposes damages of {$500.00} per call meaning that damages can mount quickly for someone accused of making daily or weekly calls that violate this law. However, the Federal Communications Commission has adopted regulations that clarify when, how, and to what extent the TCPA applies to debt collectors ; so it is important for debt collectors who face TCPA claims to use counsel who is familiar with this area and who knows what might and might not be violations. 
I WOULD LIKE MY ACCOUNT REOPEN OR I WILL GO FILE A FEDERAL LAWSUIT AND SHOW IN COURT MY PHONE RECORDS OR YOU GUYS WILL HAVE TO PAY {$500.00} PER CALL AS STATED IN THE LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, 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: Checking or savings account

I have two Bank of America checking accounts. One  of the accounts is designated for every day financial activities and the second account I use only to make payments ( utilities, credit cards, etc ). On XX/XX/2019 I received two emails from Bank of America advising that my mail account and debit card were compromised on a security breach and a new card would be issued. I contacted the Bank they they refused to inform me which merchant was the one compromising my transactions and suggested that I use my second Bank of America account for my general activities while I waited for a new atm card. I explained to the supervisor that would cause me inconvenience because that account I use for paying bills only. He said nothing could be done. I then transferred my funds to that account and on XX/XX/2019 I made a payment for my electrical bill in the amount of {$100.00}. I immediately transferred {$100.00} to the correct account and funds were available immediately for my payment. On XX/XX/2019 when I logged onto my bank account I noticed that a overdraft fee in the amount of {$35.00} was posted to my checking account and the bills was returned unpaid. I contacted Bank of America and was transferred to an agent named XXXX, who introduced himself as a supervisor. I explained to him that their security breach and trying to manage the two accounts was an inconvenience and asked if he could reverse the {$35.00} fee, since the confusing between accounts were caused by their security breach and XXXX told me that he would not work with me on that issue and the fee would remain on my account. He was very condescending and was unwilling to take responsibility for the fact that the bank caused that inconvenience with a security breach and change of debit card that was not my choice and was beyond my control.
Product: Debt or credit management

ChexSYSTEMS a company FINANCIAL INSTITUTIONS UTILIZE TO MAKE FINANCIAL DECISIONS PERTAINING TO A CONSUMERS ELIGIBILITY AND THEIR ABILITY TO OPEN AN ACCOUNT, TO CASH A COMPANY ISSUED CHECK. OR TO OBTAIN ANY FINANCIAL ASSISTANCE OF ANY KIND. 

CHEXSYSTEM ISSUED ME A SCORE OF XXXX. 

THAT'S NOT HIGH ENOUGH SCORE FOR ELIGIBILITY ..... ANYWHERE XXXX IS THE NUMBER THAT ELIGIBILITY CRITERIA STARTS AT. 

CHEXSYSTEM HAS NO METHOD OF COMMUNICATION LISTED ON THEIR WEBSITE BESIDES MAILING A LETTER TO THEM. THEY PRICES THE ADDRESS CHEX SYSTEM HAS AN ONLINE DISPUTE FORM. 
BUT ONCE THE DISPUTE IS SUBMITTED. THERE IS NO AVAILABLE METHOD OF CONTACT. THE EMAIL CONFORMATION IS A EMAIL BOX THAT IS NOT MONITORED. AND STRINGING XXXX does not connect and neither does XXXX I can not obtain a bank account I can not cash a check written it to me from a company ANYWHERE And I am refused because off my CHEX SYSTEM ABOUT OF XXXX
Product: Credit card

I made a purchase through XXXX and used paypal as the financing source since they were offering a special promotional offer, that required a specific dollar amount to secure the special financing offer. In order to meet the requirements there were a few items from different sellers. However upon looking on my checking account this morning, Paypal transfered XXXX of the sellers invoices to a " back-up '' funding source. Thus disqualifying me from the promotional offer and then erroneously debiting my checking account, without my permission. This is a gross display of negligence and bait and switch. They never ever notified me that they would be utilizing the back-up source or that the order would no longer qualify for the promotional offer. I attempted to call Paypal and they told me there was nothing they could do as it was already in process, thus leaving me without the funds in my checking account and subject to potential overdraft fee. What I would like to happen is what I told them on the phone. Reverse the charge to my debit card and place all the transactions under the 12 months promotion like I had agree'ed to at time of purchaser, or them eat the {$100.00} charge and credit my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ad  Astra Recovery Service   XXXX   XXXX  2013  Origional Creditor Name  XXXX    XXXX   XXXX   XXXX   XXXX  I have contacted the recovery service to remove this incorrect information from my credit report there has been no changes. The account is stating that I owe {$810.00} to  XXXX   XXXX  which the name do no match up in the Account.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Blocking and Deletion of Fraudulent Information To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2, I am formally requesting the immediate removal and blocking of fraudulent information from my credit report. This request is based on a verified identity theft claim, as supported by the enclosed documents, including : 1. Federal Trade Commission ( FTC ) Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX XXXX. Police Report filed with my local law enforcement agency. Under 15 U.S.C. 1681c-2 ( b ), credit reporting agencies are legally required to block fraudulent information flagged by the consumer within XXXX ( XXXX ) business days of receiving a valid identity theft report. Failure to comply with this requirement constitutes a violation of federal law and subjects your agency to potential legal consequences. The following items on my credit report are fraudulent and must be blocked and permanently deleted immediately : FRAUDULENT INQUIRIES : XXXX OF XXXX XX/XX/year> XXXX XXXX NA XX/XX/year>, XXXX XXXX XX/XX/year> XXXX AUTO XX/XX/year>XXXX XXXX  XXXX, As mandated under 15 U.S.C. 1681i ( a ), your agency must investigate and resolve disputes promptly. I am also aware of my rights under 15 U.S.C. 1681n, which entitles me to take legal action in the event of non-compliance. If this matter is not resolved promptly, I will pursue all available legal remedies to enforce my rights. For your convenience, I have provided all necessary documentation to validate this claim, including a copy of my government-issued identification and proof of address. This letter, along with the enclosed documents, has also been sent via fax and certified mail for tracking purposes. I expect a written confirmation of the removal of the fraudulent items and an updated copy of my credit report reflecting these corrections within the legally mandated timeframe. Failure to respond appropriately will compel me to escalate this matter further. I trust that your agency will address this issue with the urgency and professionalism it demands.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX, XXXX, XXXX, NY. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX. Opened XXXX XXXX, XXXX {$12000.00} XXXX XXXX. OPENED XXXX XXXX, XXXX {$8500.00} A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaints with the credit bureaus regarding several concerns on my credit reports in the past. I've had identity theft several times in the past in which I submitted letters stating to contact me directly on XXXX in the event there is credit being pulled in my name without my consent. I have obtained about 20 or more inquiries with no creditor reaching out to me to verify, that it is me requesting credit. 

I want all of these issues resolved and inquiries removed from all 3 of my credit bureaus reports. Why should I constantly have to mail letters regarding this if I have a fraud alert on my report with my phone number to be contacted and it's still not being done, but my credit is being pulled without my acknowledgment.?? 
I request immediate resolve to the unauthorized credit inquiries and credit sought out in my name removed. 

XXXX XXXX Experian
Product: Mortgage

Ocwen does not approve me for a loan modification due to incorrect value that they have in their system, I have forwarded them a certified appraisal report about 1 month ago and they have still not changed my property value, they keep denying my modification saying that I have equity in the house and the NPV test has failed. I want you to intervene and have my property value changed to the certified appraisal value so that they can re review my application and approve me for a loan modification.
Product: Checking or savings account

My chime card was stolen, and funds were taken from my account. I immediately contacted Chime and filed a dispute on XX/XX/year>. On XX/XX/year> my dispute claim was denied. That is impossible for a due process investigation to be completed in 2 days, with no supporting documentation to back up the decision made.