23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I wrote XXXX checks to the United States Treasury, XXXX checks in XX/XX/2016 and XXXX check in XX/XX/2016 I will like to be able to make copies of these checks on my online bank account but they are not accessible to do so -- all other checks that I have written on my bank account are printable except these XXXX checks made out to the US Treasury. In the near past, I have had no problem with this matter and wonder why the stonewall by the Treasury Department is occurring now.
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX  XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Charge-off {$710.00} XXXX XXXX Repossessions {$17000.00}
Product: Mortgage

I have had a very difficult time with OCWEN. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives. They have recently declined me and now I have a sale date of XXXX/XXXX/17, which my representative told me it was on " HOLD ''. Ocwen completely lied to me. My wife and I are XXXX, and XXXX years old. This system Ocwen has put us through was very confusing and difficult. I feel like Ocwen was not honest with us regarding how to avoid foreclosure. We are now in a very serious situation. We are very scared, and do not want to be homeless.
Product: Credit reporting or other personal consumer reports

Good day, the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. Thanks
Product: Credit card

Well, earlier this week I filed a complaint against them with you. They have now taken retaliatory measures against me. I was told I would receive, and then I was approved for SCRA benefits. However, since I filed the complaint they have decided to rescind my already approved SCRA benefits. It is clearly retaliation due to the fact of there are only a few days between approval and rescinding.
Product: Debt collection

I received a collections letter from Credit Collection Services on XXXX/XXXX/XXXX stating that I owed an overdue debt in the amount of {$210.00} for a XXXX XXXX account. I immediately disputed the debt in writing on XXXX/XXXX/XXXX. This item is on my credit report as a negative item and is preventing me from purchasing a house. I do not have any knowledge of this account, never received any prior documentation, nor have I ever had any services by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject XXXX Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear Experian and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft 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  Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/XXXX I reviewed my credit report for all 4 credit bureaus. In review of my reports, I noticed that my current XXXX XXXX account ( XXXX ) was not being accurately reporting or missing from two of the credit bureaus. XXXX reports shows that I have NO MORTGAGE and XXXX  shows an old mortgage and has it reporting as being closed. Experian shows the mortgage reporting accurately. Experian is showing the correct balances but has a note that the account is " potentially negative ''. I contacted XXXX XXXX to be sure that this information was being reported to the bureaus. On XX/XX/XXXX I received an emailed copy of XXXX XXXX resolution that simply stated that my account was being accurately reported to all four credit bureaus. On XX/XX/XXXX I contacted XXXX  to inquire as to why my existing mortgage is not being displayed on the credit report and I was told that it was never reported to them and that it has never been reported. I faxed the letter from XXXX XXXX to XXXX and they will not open a case stating that this information can not be investigated because they do not show me having a mortgage at all. XXXX is saying the same thing. This error is causing me detrimental consequences as far as credit is concerned because I have been paying my mortgage on time ( NO MISSED OR LATE PAYMENTS ) since XX/XX/XXXX. I can not get anyone of these bureaus to correct this or even investigate it. I have attached the resolution letter from XXXX XXXX. I have attached the page of XXXX report that shows they do not have a mortgage account for me as of XX/XX/XXXX. I have attached page 22 of my XXXX report that shows the old mortgage information for XXXX XXXX being reported negatively as of XX/XX/XXXX and I have attached the page that shows Experian notes that says the current mortgage - which hasn't been late for 4 years yet they are reporting a note that states " potentially negative ''.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX  # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

Different credit inquiries on my credit score that dont belong especially with banks. Ive sent several disputes no responds yet.
Product: Mortgage

On XXXX XXXX I contacted Shell Point Mortgage and informed them I was still stru ggling Covid 19 and my tenant moved out without my knowledge. The place was in bad shape and I asked them to pay the assessments because I could not pay them to avoid loosing the property I have been
paying on since XXXX and still owe {$75000.00} on this property nonthing has been applied towards the principal. I told them I was strugging and needed more time during this Pandemic
.

Now I received a notice that a lawsuit was filed XXXX  XXXX because they failed to inform me that they would not be advavcing the {$4500.00} and now I am going to have to file bk because I am tired of people looking for me all because I helped out the mortgage industry.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, at Walmart ; I purchased XXXX XXXX, one yr warrantee. After the XXXX XXXX XXXX emptied, I installed a cheaper XXXX XXXX ink cartridge and working very well until XXXX XXXX manipulated my computer printer software to make it stop printing. On XX/XX/XXXX, I called Walmart and complained to XXXX at cust service and she agreed for me to bring it back to replace or refund, but on XX/XX/XXXX, I was at the Walmart with the printer in the original box, Mgr XXXX XXXX refused and pushed my cart of printer out of Walmart. I called 3X at XXXX, but refused to do anything. I complained to XXXX 3X, but of no avail. I then used my Walmart CapitalOne Credit card to purchased an XXXX $ XXXX, because of additional money I used on the XXXX, and XXXX in addition to the printer cost I paid ; I want to recover. CapitalOne requested all those documents I got in solving this problems which I complied hoping for them to stop billing me, but they didn't and still billing after I put a lot of effort into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation # XXXX XX/XX/2021 Equifax did not send a complete credit report only 3 of 6 in which I did not ask Equifax to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I ask Equifax to delete the added same address created by Equifax as duplicate address that was not right meaning no APT Number or letter not the address they added on the file not corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX! XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is an address where my mail goes when I'm contracted for work in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is still my primary address Equifax needs to provide proof that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is former address by documented proof. 

XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is not my primary address only mail goes there Equifax needs to provide document proving I own or rent that house by documented proof Equifax needs to stop adding address of no valid proof documented or proof of home mortgage from the creditor Equifax stated on page 3 of 6 no Employments reporting thats Equifax issues I been on same job for last 6 to 12 years with same employee My issue is Equifax delete info of employment but on another file say they verified employment on the date listed Equifax is only in business sell info and get money out consumers Equifax needs to stop creating false info and then telling consumers to go to there web site to pay them I would never go to Equifax web site and give them no info to gather and then recreate false info by so many errors of residence employment address error after error I have also filed at US attorney office and DOJ of the major issues I have credit reports going back last 3 years of proof of errors added address phone numbers employment in which was filed on as error after error and added by Equifax then complaint added then they remove it. created on one address 6 times with different settings of the same address XXXX XXXX XXXX XXXX XXXX NV please provide proof of the said address by documents i Live there at the said address other than mail going to the address.
Product: Mortgage

I was in the process of obtaining a loan modification.. I received documentation that stated my review would be completed on XX/XX/XXXX ... On XX/XX/XXXX, I was received knowledge that my home was auctioned by the mortgage company ... I had no knowledge of this information, the last correspondence received was that my loan was currently being reviewed for a modification.. When I called to inquire about this decision, I was informed the mortgage company did n't inform the foreclosure department to hold my sale date.. My home was illegally sold and now I 'm in a position that I have no where to go ... This is truly unlawful, I also spoke with the real estate brokers who stated the same thing happened last year with the same mortgage company ... Something definitely should be done about this.. the reason I asked for a modificaton is because my husband died unexpectedly ... I have not received any assistance from the mortgage company just alot of running around and passing the buck without anything really being done ...
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Credit card or prepaid card

During XX/XX/XXXX, Chase bank closed all of my accounts ( My Chase Freedom Credit Card Account, Chase Sapphire Credit Card Account, Chase XXXX Account ). This happened due to the combination of credit I had outstanding and the amount of cards I applied to in a short period of time ( multiple inquiries ). Add a failed check payment ( that was being sent to Chase Bank to cover a due credit payment ) due to a local bank processing error and this became the third strike according to Chase in closing all of my accounts. I 've tried applying back to Chase on several occasions from XX/XX/XXXX-XX/XX/XXXX with good credit ( XXXX credit score currently ), 100 % payment history with no delinquencies and I have been able to obtain credit cards with every bank I have applied for except for Chase. It appears that they currently have me on some type of Blacklist and they have been unable to provide me with information during my last 3 calls ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to speak with their customer service line. I am told to re-apply each time I ask to speak with someone from the reconsideration line to inquire how I might be able to establish a relationship once again with them via credit lines for both myself personally and my businesses ( XXXX XXXX XXXX & XXXX XXXX XXXX ). I currently hold 1 personal checking account and 1 personal savings account with Chase Bank for over 6 months along with 1 business bank checking account as well. I has been very frustrating since I have been accepted with XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX all within the past few years and Chase will still not accept me or provide a detailed reason outside of previous unsatisfactory relationship with bank in the past. Although I may have made an error on my part in the past, this event had occurred over 4 years ago and I have not made the same mistake and pride myself on having an established, responsible credit history. This entire process has been incredibly frustrating and I have been unable to speak with the proper representative from Chase regarding reconsideration.
Product: Checking or savings account

I've been waiting for a direct deposit to be made available on my account for some days now, and was told on XX/XX/XXXX that the deposit was
Product: Money transfer, virtual currency, or money service

I sent XXXX XXXX  Al tokens ( ~ {$7300.00} ) to my Coinbase XXXX XXXX address. ( XXXX -transaction id from XXXX ) XXXX confirms that my funds are inside a Coinbase-controlled address, but Coinbase refuses to return them.

I have contacted Coinbase Support multiple times, but they are ignoring my recovery request.

Since Coinbase owns the private keys, only they can move the funds, yet they are refusing to take action. 
I request that Coinbase either credit my account with the equivalent value or return the tokens to my personal wallet.
Product: Mortgage

COMPANY : OVATION SERVICES LLC. XXXX XXXX XXXX, XXXX XXXX, FL PAYMENT ADDRESS : OVATION SERVICES LLC XXXX XXXX XXXX XXXX, TEXAS COMPLAINT : I KEEP GETTING LATE CHARGES AND OTHER CHARGES AND I NEVER GET CREDIT FOR MY FULL PAYMENT. THEY KEEP RECORDING LESS THAN WHAT MY PAYMENT IS. I HAVE ALREADY CALLED AND THEY FIX IT FOR ONE OR TWO MONTHS AND THEY GO BACK TO THE SAME OLD WAY OF POSTING OR CREDITING MY ACCTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information thats reported against me with the XXXX. I specifically explained in detail what incorrect and incomplete information is being reported against me. They claim that they did an investigation, but the information is still being reported incorrect and incomplete. 

In attached document will show the account with missing information from sept. XXXX to XX/XX/XXXX. This is also showing inaccurate late payments for feb. XXXX, XXXX XXXX also innacurate late payments for XX/XX/XXXX, XX/XX/XXXX.
Product: Credit card or prepaid card

A united, explorer mileage plus card was opened up through Chase Bank. It was opened up in my name, fraudulently using my mothers, maiden name, and my Social Security number.
Product: Debt collection

XX/XX/XXXX. {$3300.00}. They said to contact the original company. I called XXXX. They want a form called Identity Theft Claim to prove my Identity when they can verify my identity with my credit history. The company works in the states of Massachusetts and New Hampshire, and I have never lived in any of these states. They also work in the state of Connecticut, which I have not lived or visited since I was born. I will submit the requested documentation, but the company should be warned about identifying their client properly. This is a trouble for an actual person like myself who is having an Identity theft problem. I have reported to the following credit bureaus, like XXXX, XXXX, and XXXX, about my situation since XXXX. They still were able to use my identity. 

The documentation below uploaded were my ID, military letter with address, Veterans Affairs letter with address, and the last credit report with my address that never suggests that I live in Connecticut.