23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filled this out before and it disappeared. 
I have my SS check direct deposited to XXXX XXXX. this month XXXX XXXX would not allow my to spend my money, so I was able to transfer my money to my Chime bank account. then som company called XXXX XXXX XXXX made withdrawals of {$420.00}, XXXX times without my authorization, wiping out my entire money from Social security. 

Furthermore a man named XXXX XXXX withdrew {$1800.00} to a XXXX XXXX account in the name of XXXX XXXX which I also believe was fraud he did without my consent. I also believe he is behind the XXXX XXXX XXXX fraud, but of course he denies it. 

XXXX XXXX is/was a famous guitar player from the XXXX band XXXX XXXX XXXX XXXX XXXX his current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX why he needed my money I am not sure. but he has robbed me twice now, once before for {$1800.00} and. {$400.00} for a {$4000.00} total. 

Please publish this and use my name as long as you use XXXX XXXX 's name as a scammer and perpetrator of the crimes. I have a photo of him holding a piece of paper with my name written on it. S I know it was really him.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, M XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact the these creditors this month but got no response
Product: Debt collection

So I sold my car two years ago which I do not owed or do not have any paper work of the car. The company lien enforcement is charging me a tow fee of XXXX for the car that I do not owe My name is XXXX XXXX XXXX. 
Address is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have recently applied for credit and did not get approved. It prompted me to pull my reports and go over the information in them. Upon looking into things, I noticed there is a bankruptcy on my credit reports with information that does not make sense. I imagine no one would ever have a bankruptcy for {$0.00}. I then went to the credit reporting agency Experian and sent them a letter to fix this information. After doing so I went to the local county clerks office to see what information they give out to the reporting agencies that ask for it. I was informed that they do not talk to the reporting agencies at all. This confused me because when I looked on my report it said that the dispute of the bankruptcy was investigated and they found it to be all correct. If they do not go down to the clerk 's office at the court or at least call and find out all applicable information then the investigation was not done and they have broken the law. In addition the incorrect information is still on my credit report and I am unable to qualify for any credit products which is making it impossible for me to eventually buy a home. I need the information in my credit file to be correct, and I need Experian to do the job they are required to do by law or remove the incorrect backruptcy off my credit file. Please help because talking to Experian directly has proven to be futile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Capital One had run my credit and approve! my application and turn around and denied me for the program and left me with a hard inquiry on my credit report two time. dates are XX/XX/XXXX and XX/XX/XXXX. I am requesting for them hard inquiry to be remove form my credit report they are on all the credit reporting, XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : TRANSUNION : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Checking or savings account

I received a fraud alert from Citibank on XX/XX/2019 alerting me of a fraudulent ATM withdrawal from my checking account. On receiving the alert from my bank, I contacted the bank and found out that there had been an attempted cash withdrawal made from my account from another area in the state while I was at home that morning. The bank representative canceled the debit card immediately and asked me to verify previous transactions made from my account. At that point, I found that there were several fraudulent ATM withdrawals made from my checking account over the past few weeks beginning on XX/XX/2019 ( Three withdrawals totaling {$600.00}, and one deposit of {$200.00} ). I then filed a claim with the bank to reimburse my money for these fraudulent withdrawals. After reviewing my claim, the bank notified me on XX/XX/2019 that they were unable to honor my request for reimbursement due to the debit card being in my possession and the activity was consistent with my normal banking activities. 
I filed a police report on XX/XX/2019 regarding this incident.
Product: Mortgage

It is almost impossible to get hold of someone at Freedom Mortgage with an inordinatly long wait on the phone and an answering system that is unlike any other I have ever experienced. Almost every month the company waits until the last few days to cash my check causing me to feel very stressed out. Someone ( XXXX ) just finally answered my call of today the XX/XX/XXXX after I was cut-off the last time I was on hold. She said it's the fault of the postal system but I have never had this problem with other mortgage companies ( at least three ) I have used since I purchased my home in XX/XX/XXXX. I also have found it easier to get hold of someone at my past mortgage companies. XXXX also said that because it is close to the payment deadline, they get many calls ; however, I have had problems reaching Freedom Mortgage even when it was not close to the mortgage payment deadline. 

I suggest they change their answering system which is totally ridiculous because it has one answer one question, then go back to the menu, then answer another question & then go back to the menu again, and then place the person on hold while telling the person how much they value the person 's business. XXXX! I also suggest they hire more staff to answer calls. 

Thank you for your attention to this issue.
Product: Credit card

I had an outstanding balance of {$.00} and was charged {$7.00} interest
Product: Debt collection

On XX/XX/2021 I sent a letter to SEQUIUM ASSET SOLUTIONS. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Debt collection

It says opened on XXXX. {$80.00} is owed, I was never aware of this bill or opening of this account. I've contacted them to let them know that I was never aware of this being open, and someone pretended to be me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX BANK XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have attempted multiple times to have the bankruptcy information removed from XXXX, XXXX, Transunion and XXXX XXXX are still reporting information they should not be
Product: Credit reporting, credit repair services, or other personal consumer reports

i am unable to get information i have been locked out of my account 2 times and the company wont discuss issue its a security issue on there end and refused to fix
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an entry on my credit report that I find completely unrecognizable. 
Item Description : * Creditor : Portfolio Recovery Associates This item appears to be inaccurate, and I demand immediate verification under the Fair Credit Reporting Act ( FCRA ). Should you fail to provide satisfactory proof of this entrys legitimacy, I insist that it be removed from my credit report without delay. 
I expect prompt action on this matter and a written response detailing the results of your investigation. 
Thank you for your immediate attention to this issue.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft the accounts I have mentioned in this report do not belong to me and needs to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my credit report as provided by your agency, in accordance with my rights under the Fair Reporting Credit Act. ( FCRA ), specifically 15 U.S.C. 1681e ( b ). This section mandates that credit reporting agencies take reasonable measures to ensure accuracy if information included in consumer reports.

After reviewing my recent credit report, I have identified the following inaccuracies that i believe were reported in error : These inaccuracies have negatively impacted my credit score, being inaccurate. As 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain accurate reports, I respectfully request the immediate deletion of this information ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX INACCURACY : XXXX never 60 days late INACCURACY : Balance owed ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX INACCURACY : XXXX never 120 days late INACCURACY : Balance owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB, please step up and delete these negative accounts asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Cfpb complaint inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This Conpany is reporting inaccurate opening dates, inaccurate High Credit limits, inaccurate Credit Limit, Last Reporting Date, inaccurate Date Last Active, inaccurate date of Last Payment. Each constitutes as a violation and has cause me and my family emotional distress and financial harm. 

XXXX Account # XXXX
Product: Mortgage

i have been working with Wells Fargo for a loan modification. The  Underwriter  had been requesting documents. On  XXXX / XXXX / 17  they confirmed that all the documents were in and the alert to postpone the sale date was submitted. Today when i called in they stated that the sale date was still scheduled for today and the Underwriter was requesting additional information that was NEVER mentioned in the conversation on Friday. The representative even confirmed that all the documents were in and the postponment should be completed by Monday. This just is not fair!   Please help me as i do not want to lose my home.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint against XXXX  XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX  XXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ Creditor Name ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX XXXX XXXX  XXXX. XXXX Federal Trade Commission. XXXX XXXX XXXX XXXX.
Product: Mortgage

My mortgage has changed companies several times. The most recent company, LoanCare, has been servicing my mortgage for several years. In XXXX, they decided to stop applying my payments to my account because it had the old account number. However, I was not made aware of this until XXXX. I have made every payment to them and have submitted proof of those payments MANY times. However, they refuse to acknowledge my payments and keep delaying any resolution. I have spoken and email them many times and can not get any answers. My credit has been ruined and I fear I am about to get foreclosed on.
Product: Mortgage

I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER DITECH. I FAXED ALL DOCUMENTS TO THEM ON  XXXX / XXXX /   17  AND CONFIRMED THAT THEY HAVE A COMPLETE PACKAGE AND THE FILE WENT TO THE UNDERWRITING DEPARTMENT ON  XXXX / XXXX / 17  WITH A 30 DAY TURN AROUND TIME FOR A DECISION. I HAVE A   XXXX   XXXX   LOAN SO LOOKING UP THE GUIDELINES FOR ASSISTANCE WAS PRETTY EASY AND AS WELL AS LOOKING AT THE GUIDELINES ON WHAT TO EXPECT ON THE CFPB WEBSITE TO ENSURE I AM NOT TAKEN ADVANTAGE OF. I CALL WEEKLY, EVERY  5 B USINESS DAYS AND EVERY TIME THEY STATE THE FILE IS IN REVIEW AS OF  XXXX / XXXX / 17  WITH NO DOCUMENTS NEEDED. WE ARE NOW ON  XXXX / XXXX /   17  OVER 3 MONTHS IN THE UNDERWRITING DEPARTMENT, WHEN I QUESTION  A DITECH RE PRESENTATIVE ABOUT THE LENGTH THEY GIVE ATTITUDE AS IF I AM BOTHERING THEM AND STATE SORRY YOU FEEL THAT ITS TAKING A LONG TIME AND THEN END THE CALL. I CANT GET ANYWHERE WITH THIS SERVICER AS THEY ARE RUDE AND DONT CARE ABOUT THE BORROWERS OF THE INVESTORS THEY ARE SERVICING. I SPOKE TO  XXXX  AT  EXTENSION   XXXX  WHO IS APPARENTLY ASSIGNED TO MY FILE WHICH I ASKED IF I CANT MAKE A PAYMENT BECAUSE I AM IN FORECLOSURE AND IT IS TAKING YOU OVER 3 MONTHS TO REVIEW MY FILE WHICH IS CAUSING ME TO BE MORE DELINQUENT HOW IS THAT RIGHT, HER RESPONSE WAS WELL SIR YOU WERE ALREADY DELINQUENT WHEN YOU STARTED SO ITS NOT OUR FAULT.