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

On XX/XX/XXXX I mailed a letter to XXXX and Equifax disputing the following inquiries on my credit report : XXXX : Certified Credit Reporting ( Miscellaneous ) - XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX Equifax Mortgage Service XXXX XXXX ) - XX/XX/XXXXXXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX ( Miscellaneous ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXXXXXX XXXX ( Bank ) - XX/XX/XXXX Equifax : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Equifax Mortgage SER - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX Despite including a copy of my Social Security Card, my State ID, and my signature on the letters, XXXX still mailed a letter requesting verification that I was in fact the person disputing my credit report. I called the phone number listed and spoke with someone who stated that my information is now verified and an investigation would take place regarding the disputed inquiries. There has been no contact from XXXX past that point. It has been well over 30 days. 

On the same date, I mailed the same letter to Equifax with the incorrect inquiries they had listed. Equifax NEVER responded regarding the inquiries.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX XXXX # XXXX - BALANCE {$3000.00} Account Name : XXXX XXXX # XXXX -BALANCE {$630.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$3000.00}
Product: Credit card

XXXX was made XXXX expected to receive the items XXXX I received XXXX out of XXXX items. I contacted XXXX XXXX to see where the missing items were. They looked into it for about an hour. They decided to refund me but due to the amount they needed to get it approved. Keep in mind I never asked for a refund i was simply inquiring about where the other items were. They got approval but when they attempted to refund me some third party company called The XXXX XXXX said it was denied. I contacted them and they sent me a simple report that says denied with no explanation as to why it was denied. It makes no sense since I didnt even request a refund it was HD decision to refund. I then ask HD if they could resend the missing items and due to there being no more stock available they couldnt do that. I contacted the retail equation again and they said they would send a response to HD on XX/XX/XXXX. I had not heard anything so XX/XX/XXXX i contacted XXXX again and they told me to open a dispute because they still couldn't refund me. HD denied the dispute so i reopened the dispute round XX/XX/XXXX and they said they would look into it and sent a response i needed to contact them again so i did around XX/XX/XXXX and they said they didnt need anything from me but they are having the shipping company investigate. I have not heard anything since then. I also decided to just return the order instore due to the whole issue with the dispute but i was again told i am unable to be refunded for anything due to The Retail Equation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to NEVER HAVING A CONTRACT WITH THE COMPANY XXXX ; this company is reporting knowingly harmful and fraudulent data to credit reporting agencies. This company even sent email saying that Im not required to make a payment at this time- so why is this company reporting false late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  dismissed chapter  XXXX  cases on my credit report. Upon filing the latter Chapter  XXXX  case, I included  2 cre ditors on my form to the bankruptcy department. I later decided not to go through with the bankruptcy and received a voluntary dismissal. All  XXXX  credit bureaus have listed these bankruptcies as dismissed. I disputed both accounts with all  XXXX  credit bureaus and have been told that because the accounts were reported in my dismissed bankruptcy filing I can not dispute the creditors.   The creditors could easily verify that I did not go through with the bankruptcy and investigate my dispute. Instead I am being punished by having the dismissed filing and having to wait 7 years to remove and not being able to dispute thes e two co llection accounts.     I HAVE SENT COUNTLESS LETTER S ( TRACKED ) TRYING  TO GET THIS RESOLVED TO NO AVAIL. THE CREDIT BUREUAS ARE ALLOWING CREDITORS TO REPORT THAT I AM NEGATIVE EVERY MONTH EVEN THOUGH THEY SAY I AM CURRENTLY IN A BANKRUPTCY PROCEEDING.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple requests for these inaccuracies to be investigated and corrected, I have yet to receive a satisfactory resolution. These incorrect entries are severely affecting my credit file, and the resulting negative impact is significantly hindering my ability to manage my financial affairs and live a normal life. 

The continued presence of these inaccuracies has caused considerable hardships, and I am left with no choice but to plead for your prompt and thorough assistance in rectifying this matter. I respectfully request a comprehensive investigation into the reporting of each disputed account, with a focus on ensuring that the necessary corrective actions are taken without further delay. 

It is imperative that my credit report reflects accurate information so that I can restore its integrity and regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift corrective action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I sent multiple letters to these companies involving following accounts XXXX XXXX XXXX  {$800.00} Acount # XXXX 2-MIDLAND CREDIT MANAGEM {$850.00} ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX  Accounts # XXXX XXXX XXXX XXXX, MIDLAND CREDIT MANAGEM ACCOUNT # 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. 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 the information is inaccurate
Product: Mortgage

PHH just sent me back a cashier 's check that they told me was applied as the last payment of my modification in XXXX. 

PHH approved a modification in XX/XX/2023. I paid, XXXX, XXXX and XXXX and submitted all documentation. For the XXXX payment they would only take a cashier 's check sent overnight. I complied. I called them on XX/XX/XXXX to see if they had received my check. They said they had and it had been applied to my modification plan. I spoke to PHH again on XX/XX/XXXX and XXXX. Both times they told me the XXXX payment had been received and applied to my modification agreement. 

This was a lie. On XX/XX/XXXX I receive a legal copy of my cashier 's check back in the mail to me. It has not been applied. Now I am trying to get the cashier 's check back in my account so I can try to make another payment to PHH. 

PHH wrote me today to tell me that the Family Transfer part of the modification is approved but the XXXX payment was not received. This is fraud. They had my cashier 's check for 2 weeks and lied to me saying it had been applied. They then turn around and send it back to me so they can earn more fees/etc and fraudulently deny the modification plan. How many lawsuits and fines and government intervention does it take to get this company to follow the law?
Product: Credit reporting or other personal consumer reports

Hard inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After contacting, I received no information or deletions from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my credit report from XXXX XXXX XXXX which is scheduled to drop off in XX/XX/2022. I am therefore requesting an early exclusion ( deletion ) of this item from my credit report please. This company has a policy that states that persons can request an early exclusion or deletion of an item up to two months before the due deletion date. 
I am therefore asking you please to delete the hard inquiry of XXXX XXXX XXXX from my credit report please.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to extort by reselling fraudulent credit information - they refuse to fix under order of us govt- or persons filing against them for doing so. This info was removed from files and blocked from reporting, yet persistently appears on sold info to any creditor requesting copy-which does not disemenate from the bureaus as companies are forced to make claim, even as claimed on documents. The files in fact point to old data XXXX, lexis nexus, etc ( all 3rd party subCRAs, illegal ) have collected " from the bureaus '' and some point in the past. these companies have no intention of correcting or purging files. I have been requested to CC XXXX 5+ years of information so they can push buttons on a computer and VERIFY DATA- I have no credit accounts. There is no info to give. all accounts have been disputed in full, removed, closed, or PAID ( XXXX ).
Product: Mortgage

A ) I Have been working with Wells Fargo with a Loan Modification since XX/XX/XXXX. I have request a XXXX Speaker to help me in the process but Wells Fargo have not provide any one to help me in my Native language. 
A ) I have transfer for one to another different agent ( 8 in Total ) in this process. 
I have to explain and start all over again. 
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. 

B ) The last documentation I have from Wells Fargo it was printing on XX/XX/XXXX at Wells fargo Facility. I did received on XX/XX/XXXX. 
Wells Fargo send me a letter printing on XX/XX/XXXX that according California Civil Code & 2923.55 ( f ) Thirty ( 30 ) Days, or more, have passed. 
This is statement is False. Even today have not pass ( Day of complain ) Thirty ( 30 ) days at all. 
C ) Right now I am in a Loan Modification with Wells Fargo because my financial situation have been change for good since XX/XX/XXXX. 
Wells fargo is violate the California Homeowners Bill of Right : " Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed ''. 
On XX/XX/XXXX I start the training for my new job. 
I did call Wells Fargo to tell that I have a new job ( Full-Time ) starring on XX/XX/XXXX and that I have rent one of the rooms in my house. 
On XX/XX/XXXX I call Wells Fargo to update my situation ( Financial ) and I request a Loan Modification. 
XX/XX/XXXX I call and request a Loan Modification again. 
XX/XX/XXXX I Call and request a Loan Modification again. 
On XX/XX/XXXX I call and request a Loan Modification again, this time they allow me to start the process. 
Right now I am in a Loan Modification with Wells Fargo but at the same time I am in Foreclosure active status that is illegal in California.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, 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. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , are fraudulent. Also, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I have an auto loan with Wells Fargo. Because of Covid I lost my job and I was unable to pay the monthly payment. I requested grace period of time to make my payments. They gave me 3 months like other financial institutions did. But for my surprise they charged me interest for the whole time. Instead of putting those payments to that end of my loan like the other banks did because of that pandemic. 
The original loan amount was {$27000.00} I owe now {$27000.00}. After I made 6 payments of {$600.00} They charged me {$3500.00} for interest. When that was supposed to be a relief time to pay. That should me illegal. Specially during a Pandemic, they are taking advantage of hardships the clients are suffering due COVID.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX I had a family emergency. As my brother was hospitalized and in a XXXX. I reached out to PHH mortgage and explained the situation with an account specialist and paid {$1000.00}. Some to carry over to XXXX. Upon this we made an agreement about payment option due to lack of work. ( On our mortgage agreement both my fiance and I are account holder. ) In XXXX we had another conversation about catching up in the month of XXXX. XX/XX/XXXX we made a payment of {$1500.00}. XX/XX/XXXX PHH stated my mortgage went up {$630.00}. I called and found out they wrongly placed our XXXX payment elsewhere. After 2 phone calls with 2 different agents they " found '' it. On our call the agents both admitted they reported it wrong to the credit agencies Which brought our account in good standing. My credit has dropped 156 points due to " XXXX '' being 30 days late. Which it was not. I have asked them to correct this. It has all been one big mess and now my credit is the one being hurt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days I request these items be removed, if not I will file for litigation due to the stress this has caused me.
Product: Money transfer, virtual currency, or money service

I rec 'd a series of scam emails from someone portraying to be my closing attorney, and over 10 days they had the exact amount of my XXXX money, the down payment amount and the amount of the loan as well as the closing date, and created emails of all the correct parties involved, so on the XXXX day I wired {$100000.00} from XXXX XXXX to Citi Bank on XX/XX/year>. That was only the initial amount, so they knew I still had to put more money down for closing so on XX/XX/XXXX, I wired the final amount of {$51000.00} from XXXX XXXX to Citi Bank. Then the next day I received an email from the real closing attorney, I freaked out. Called XXXX and told them the situation, called XXXX XXXX  and told them the situation, called the FBI and filed a a XXXX, filed a local Police Report. Later received a call from the FBI saying the money was still at Citi and had not been sent onto a XXXX bank, so I needed XXXX to send a Hold Harmless Letter to Citi. XXXX on XXXX sent Citi a Hold Harmless letter and Citi responded with an acknowledgement message. A person at XXXX has reached out to Citi, but they will not give XXXX an update, we have been told the issue is being investigated, the account is Restricted, and XXXX, all the money is still in the account. I am concerned that Citi is dragging their feet and I would really like the money back in my account at XXXX. Is there anything you can do to motivate the process to return my money...?? 
There is alot of the details of questions I asked my mortgage people, and they failed me with lack of an answer or no attention given to the situation, so please don't think I just wire money on a whim.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S, Code 1681a ( 2 ) - Permissible purposes of consumer reports.

( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, And no consent is Identity Theft. 

If EQUIFAX can not produce any such agreement with my signature in 10 days, I'm demanding the accounts listed below, as a consumer, be immediately deleted and zero out from my consumer report. 

XXXX CARD ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX
Product: Payday loan, title loan, or personal loan

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by ALLY BANK. I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by ALLY BANK on XX/XX/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by ALLY BANK adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. ALLY FINANCIAL is now civilly liable to pay me for the damages. 

REGISTERED AGENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit card

XXXX XXXX XXXX  to close the account but since Im a loyal Customer of capital one for more than 10 years.. I assume they would just send me a new card. They didnt though : - (
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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