23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To CFPB : In XXXX of XXXX, I saw on my credit report, that on XX/XX/XXXX, a company credit card account ( XXXX/Atls/Fortiva ) was opened. I have no name or address of who opened the account. The credit card has a {$4000.00} limit with a {$3400.00} balance. I called Fortiva to dispute the opening of the credit card account and the charge. I asked that the account be frozen so that it could no longer be used. Fortiva sent me the forms to dispute the case and also a form to file a police report. Along with the forms, I was asked to send a copy of my ID to prove that I live in Ohio, ( The business transaction took place in XXXX XXXX, Mo. ) After every thing was filled out and mailed, I called Fortiva several time to ask the status or progress of the case. Every call, at least 10 in the 2 month endeavor, I was told that with the information turned in, that the problem would be resolved. Well, today, XX/XX/XXXX, I saw an alert on my credit report that shows the Fortiva charge hadnt been resolved! I called the three credit bureaus to make my complaint. All three told me that the dispute was never turned in! After following through with all that Fortiva said that needed to be done, Fortiva did absolutely nothing to resolve the case! You will see the account is still open and bringing down my score! 

Thank you for looking in to this! 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , Ohio XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate information contained in my credit report, as provided by your agency. This action is being taken pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Upon reviewing my credit report from your agency, I identified the following discrepancies : XXXX. LAST DAY ACTIVITY IS INNACURATE - ** Creditor : XXXX XXXX XXXX XXXX Number : XXXX The last day of activity is innacurate on my credit report. 
the creditor reported 3 different *LAST ACTIVITY DATE* on my credit which is a violation of FAIR CREDIT REPORT ACT The above inaccuracies have adversely impacted my credit score and caused me undue hardship. I request that your agency conducts a thorough investigation of these disputed items and takes appropriate action to correct or remove the inaccurate information from my credit report. 

For your reference and investigation, I have enclosed copies of relevant documentation supporting my claim, which include : a copy of the credit report I trust that your agency will handle this matter with the urgency and diligence required by the Fair Credit Reporting Act. Please notify me promptly of the outcome of your investigation and provide me with a revised copy of my credit report. 

I appreciate your cooperation and attention to this important matter. If you require any additional information or have any questions, please feel free to contact me at the phone number or email address listed above. Thank you for your prompt attention to this request
Product: Vehicle loan or lease

My loan was paid off by another customer 's insurance claim in error in XX/XX/2018. I was able to have this corrected and the funds were applied to the correct account. Prior to the correction, my title was released to XXXX XXXX XXXX. 

This means that I am not able to provide a copy of the title to a new finance company in order to refinance the loan. 

The first agent I spoke to XXXX, was very helpful and put in a request to reperfect the title and advised more information would be available in 2 days. 

After the initial 2 days, I have spoken with an agent every day for the last week and each one has been less helpful. I spoke with a supervisor named XXXX today and she directed me to XXXX XXXX XXXX. This company is unable to assist me as they can not resolve title irregularities. 

When I called again I was advised XXXX had placed notes on the account that they could not send me the title until I provided a Power of Attorney and I was again advised to contact XXXX XXXX XXXX due to her notes on the account. 

I need someone to reperfect my title and provide me with a copy soI can refinance.
Product: Debt collection

I am disputing a collection account reported by Hunter Warfield, associated with [ Original Creditor Name ] ( Account # XXXX ). The account is inaccurately reported on my credit report, and I have requested validation of the debt multiple times, but Hunter Warfield has failed to provide any documentation proving my liability or their authority to collect. 

Date of Initial Dispute : XXXX Amount : {$1800.00} ( Balance Reported ) Action Taken : I sent a formal dispute and validation request to Hunter Warfield via certified mail on XXXX Response from Hunter Warfield : No valid documentation or response was received from them within the required time frame. 
Impact on Credit : This unverified account is damaging my credit score and affecting my ability to access financial opportunities.
Product: Money transfer, virtual currency, or money service

Starting XXXX weeks ago my account has been locked up with cash app. I've sent pics I'd. This issue been going on for going on XXXX weeks. Cash app has all my information and still won't unlock my account. I've provided you everything I provided cash app.i want my account unlocked to release my funds. I have a sick daughter and I can't get the money
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Validate Account XXXX XXXX. Validate Account XXXX XXXX XXXX. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX AV XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXXXXXX. The following personal information is incorrect Employers : XXXX
Product: Credit reporting

Equifax has repeatedly sent this response to me- '' Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. " I snt the following to them CONFIDENTIALEquifax Security DepartmentFAX XXXXTotal Pages : FROM : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXDOB XX/XX/XXXXXXXXH XXXX XXXX cell XXXX XXXXXXXXXXXXSUBJECT:1. Correct my address. Delete XXXX XXXX XXXX. There has NEVER been an apartment. It is a home. 
2. Correct employment to : XXXX XXXX XXXXAttached:1. MI driver 's license2. Homeowners policy3. Utility BillAlso- Delete the address XXXX XXXX XXXX , XXXX , MI XXXX. I have never lived there. This address was reported to you by XXXX. It was the address used by the thief that stole my identity. 

Please send updated report to me email or hard copy.
Product: Money transfer, virtual currency, or money service

First of all I would like to make it clear who I am, although I doubt very highly Google does not know who I am but my information : XXXX XXXX XXXXXXXXXXXX ( Google Billed this email to the bank alone XXXX flagged account without contacting me 16 times. Google stated that I did not tell them in the time allowed, blamed my family, the bank, XXXX XXXX and now I am providing the person that was linked and logged into my XXXX device ( that is a google owned XXXX operating system ) as administrator. That I had to figure out myself. I have asked repeatedly what the number was that was logged into the phone because it just said XXXX. Nobody would tell me. This person on his XXXX page worked or works for google as a driver and is able to bill through the google system. Since he was logged in as administrator and I have no clue who he is it proves he is apparently tech savvy enough to be able to do that and google is assisting him. If not why would google repeatedly side step the complaint to close it. why would all google wallet charges be deleted that I have copies of from the original date I found out. I want google to help me and protect my information yet for the last three years repeatedly i have numerous log ins from places I am not. Please answer why this person is on my account. There is no possibility of Google not knowing they have actually stated OH there is a duplicate account to say oops made a mistake it didnt happen sure it was n't your family. Google stated they refunded all monies well half was refunded does that mean on top of the entire total he got an extra XXXX or was it not refunded. I was also asked for a case id given by google I will provide that but im not sure which one. would that be the case Id in XX/XX/2014 when I found out and notified google or would that be the final email sent three days ago that I still have n't had a response on. Try these if you would like others go to the 6 other complaints with CFPB that have full documentation to prove what was done by Google to assist this man in destroying my life!

Also if Google would of looked at the attachment, the compromised email is listed before the fraudulent account number. I guess it was n't important enough for them to look! There should be no problem figuring it out now! RE : [ XXXX ] RE : [ XXXX ]
Product: Mortgage

On XXXX XXXX, 2015 my wife and I applied for a 30 year fixed home mortgage with Wells Fargo. On XX/XX/XXXX the rate was locked for 90 days at 4.00 % interest rate. The loan was approved on XXXX XXXX, 2015. In order for us not to pay mortgage tax a XXXX form had to be executed, and Wells Fargo started the process to obtain the XXXX. This document took longer than anticipated to produce and on XXXX XXXX, 2015 Wells Fargo added a Rate Lock Extension fee of {$1200.00} to the loan. The XXXX was still not forthcoming and on XXXX XXXX, 2015 Wells Fargo added another {$2500.00} to the loan. I contacted Wells Fargo about the extension fees, and additionally brought to their attention that mortgage rates had dropped to approx 3.6 % while they were charging me {$3700.00} to extend the rate. I started the process to look into refinancing with our present lender XXXX and brought this to the attention of Wells Fargo. Wells Fargo agreed to reduce the rate by 1/8 to 3.875 % and told me that XXXX would not approve my loan, and that I needed to close the loan with them. I was taken aback by this brash behavior, essentially strong arming me to close on a loan with at a rate that was at least .25 % higher than what I had been quoted. Since I was still undecided to accept these terms or not, Wells Fargo offered to forgo the rate lock fees, but demanded that I close the loan in a matter of days. 

I felt that I was being pushed to make a bad decision in haste. Within a few days Wells Fargo cancelled the loan. On XX/XX/XXXX Wells Fargo sent me notice that the loan was denied due to " Insufficient Assets to Close the Loan ''. I communicated with Wells Fargo and requested XXXX explanations from them : 1. To quantify the shortfall of assets to close the loan 2. The source that provided this information to Wells Fargo. 

Wells Fargo has refused to answer these questions based on " ... the guidelines established by the Consumer Financial Protection Bureau ( CFPB ) do not require us to perform further research .... ''
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my 9th request but no one seems to care. I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXX, has violated my rights. Per 15 U.S.C Section 602A, states I have the right to privacy. And per 15 U.S.C. Section 1681 Section 604A Section 2, states a Consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXX, has violated my rights. Per 15 U.S.C Section 602A, states I have the right to privacy. And per 15 U.S.C. Section 1681 Section 604A Section 2, states a Consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have made XXXX requests for a complete hard copy of my report with a live service representative. I was informed 7-10 business days and no reports have been provided. There is incorrect information provided on this report which affects my insurance rates and their continued delay is costing me XXXX of dollars a month. I do not have access to a printer in order to print this report which is the reason for my request for a hard copy.
Product: Credit reporting or other personal consumer reports

DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Product: Mortgage

The loan was transferred back to Bank of America ( BOA ), after several years with XXXX XXXX and then XXXX XXXX. This transfer occurred in late XX/XX/XXXX. The loan was established by the Bankruptcy Court ( in XX/XX/XXXX ) as a fixed rate, interest only loan. However, Bank of America claimed that the mortgage was a variable rate mortgage and increased the loan from {$1200.00} per month to {$2100.00} per month, beginning in XX/XX/XXXX. I contacted Bank of America and sent them documentation showing the correct information, including the amended plan of reorganization approved by the Bankruptcy Court.  BOA claimed they had no records from when they had the loan previously. I got letters each month, stating they were " working on it '' but nothing was ever resolved. I paid off the loan in XX/XX/XXXX.  BOA never resolved the mistake and never issued a refund. I contacted the fraud section of BOA many months after the loan was paid off and was assured someone would contact me. I never got a returned phone call or a letter.
Product: Credit reporting or other personal consumer reports

Dispute of Charge-Off Account Due to Lack of 1099-C Form To Whom It May Concern, I am writing to formally dispute the charge-off accounts [ XXXX XXXX  XXXX XXXX ] that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( IRC ) 6050P, a creditor is required to issue a Form 1099-C for canceled or forgiven debts exceeding {$600.00}. However, I have never received a 1099-C for this account, which calls into question the accuracy and legitimacy of this charge-off reporting. 
Under the FCRA, credit bureaus are responsible for ensuring the information they report is accurate, complete, and verifiable. Because I have not received a 1099-C from the original creditor, I request that this account be investigated, verified, or removed from my credit file. Please provide documentation proving the validity of this debt and its charge-off status, including evidence of a properly issued 1099-C, or delete the account from my report in compliance with federal law. 
I request a response within 30 days of receipt of this letter, as required by the FCRA. Please send all correspondence regarding this matter to the address listed above. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

HOME DEPOT XXXX XXXX XXXX XXXX, AZ XXXX TODAY I TRIED TO CALL TO MAKE MY REGULAR MONTHLY PAYMENT BY PHONE, THERE AUTOMATED SYSTEM IS NOT ACCURATE, MY BILLING STATEMENT STATES FOR THE MONTH OF XX/XX/2019 THAT I AM NOT PAST DUE, AND THE PHONE AUTOMATED SYSTEM WOULD NOT ACCEPT THE MINIMUM PAYMENT OF {$69.00} I HAD TO SUBMIT A LARGER AMOUNT TO BE ACCEPTED FOR PAYMENT {$75.00}. I ALSO, TRIED TO EXPLAIN BY PHONE TO THEIR CUSTOMER SERVICE, I GET NOTHING HELPFUL JUST LIES AND EXCUSES, I DO NOT HAVE TO BE A PRIMARY CARD HOLDER TO ACCESS THE ACCOUNT, I AM A CARD HOLDER, THE SPOUSE WHO PAYS THE BILL, AND HE TOLD ME HE HAD TO SPEAK WITH THE PRIMARY CARD HOLDER, TO CHANGE MY SECURITY QUESTIONS AND OR ANSWERS TO PAY THE BILL ONLINE MYSELF, I ASK TO BE TRANSFER TO THE TECHNICAL DEPARTMENT AND I WAS TOLD I HAD TO GIVE THE LAST FOUR NOS. OF THE PRIMARY CARD HOLDER TO GET THE CALL TRANSFER, AND THEN IF I AM ON THE SPEAKER PHONE, THEY GET OFFENDED, MY A LOUD TONE OF VOICE, THEY ARE JUST XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with EQUIFAX credit reporting service. 

I tried to open a savings account with XXXX services. They rejected me with the explanation that they were : Unable to verify information on consumer report I accessed the free credit reports website, and XXXX and XXXX gave me a fine report. Equifax said they can not provide this information online. They " say '' they can if I provide hardcopies of data that I don't want to send through the mail. I'm not too sure about that after doing an online search and seeing entirely too many similar anecdotes. 

I don't want or need credit ; I was trying to open a savings account. But Equifax 's action DID hurt me. Can you make them stop?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX  Balance : {$12000.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a XXXX XXXX Chase credit card on XX/XX/XXXX. Very soon after opening the card, I received a notification that there was a {$660.00} purchase from XXXX on XX/XX/XXXX and it posted on XX/XX/XXXX. I did not make this purchase and I didn't even have a XXXX account ( I did create one after to check if there was any order history under my email, which there was not ). I had not even received my physical card yet, ah I couldn't even tell the phone rep what my security code on this card even was. 

Once it posted, I submitted a fraud dispute claim to Chase on XX/XX/XXXX and received a confirmation email on XX/XX/XXXX. They said I would hear back by mail. 

I have received no word on this matter, the balance still shows in my account, and I would like this matter to be resolved and the charge cleared from my statement balance.
Product: Credit reporting or other personal consumer reports

I have been a Toyota motor credit customer since XX/XX/XXXX and during that time, I have enjoyed the experience and learning process of managing payments responsibly. I never missed a single payment. 

I was writing to humbly request that they would be willing to remove the negative payment information from the reporting credit agencies. I have seen XXXX late payment on Toyota motor credit ( Account # XXXX ), from XX/XX/XXXX in my XXXX report. I have not had missed a single payment on my Toyota motor credit account in the past XXXX years. 

Please find the supporting documents attached to this email and remove the late payment information from the credit bureaus. 

but they never removed the negative information from my credit reports.
Product: Credit reporting

I filed for a chap XXXX in 2008 in which the lawyer ripped me off and even though I had n't had any continued dealings with the Lawyer, the proceedings continued resulting in a dismissed Chap XXXX. I admit I lacked education at this time and did n't know I would be haunted years later even at just the attempt to file and be robbed for XXXX. I have disputed this item for several years and still Equifax reports this years later regardless of Section 1681 ( a ) ( 5 ) of The FCRA which mentions nothing suggesting this to be reported continuously for ten years
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was a fraudulent account that someone stole my identity opening a XXXX account for service. 
When I realized this was on my report i called XXXX XXXX the collection agency and advised them of the situation, the supervisor advise me I can pay a lower amount to settle the account which I did. The supervisor advised me this would completely come off my credit report ( Experian ) with in XXXX days. It has been over 3 months and it is still on my report. 
I need this to be removed to continue operating my business as a real estate investor. With this mark against my report, it has held me up from obtaining loans.