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

We endorsed and signed a Warranty Check to Wells Fargo the insuranceclaimscheck, of which they placed into an restricted escrow account. This check was issued XXXX/XXXX/XXXX. and deposited on XXXX/XXXX/XXXX. The time lapse between receiving the check and depositing the check is because Wells Fargo was confused on how to handle and make the funds available. On XXXX/XXXX/XXXX ; XXXX sent in a estimate on how much it would cost to fix the foundation. After fumbling around for weeks, back and forth with different representatives they did n't understand or knew what they were supposed to do, after specking with a representative at the local bank, ( XXXX ) became interested in trying to get to the bottom of the issue. Thanks to ( XXXX ) we were finally able to get someone to handle the check. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, the local banker ( XXXX ) XXXX and XXXX the home owner ; became very frustrated with being toss around as if no-one cared about taking care of our situation. Finally after 24 day of fusing and waiting, Well Fargo released a check for the lifting of the foundation. Now that the foundation is done, calling Well Fargo to know our next steps. We are told that we must have the plumbing checked. On XXXX/XXXX/XXXX, the estimates were sent in. We did n't receive a check from Well Fargo until XXXX/XXXX/XXXX ; this was for the plumbing hydrostatic test. The plumbers came out two days later. Right after this test, the paperwork was forwarded to Wells Fargo insurance claim check. We were told that because we were using he same company that we did n't have to send any other information dealing with the company. Well that was a lie ; we had to get the proposals signed by the plumbers and home owners plus another conditional waiver of lien, of which we were never told nor called. So four days later, I call. Now I 'm told that we must have an inspector out to the property to inspect all that 's been done. Well ; Wells Fargo was call back in XXXX XXXX about sending an inspector out to the house because that is what they told us and this information is also on the home recovery kit. So now we are placed on hold again because of Wells Fargo slothfulness and we are tired of they treating us this way. Our home plumbing system backed up because of not releasing the fund so that the plumbing could be fix. This is just extremely too long of a process and no-one should have to go through this.We are still waiting on the inspector and the plumbing to be complete.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXXBANK XX/XX/year> XXXX BANK XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  BANK XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX *
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My Student loans had been in forbearance during a gap ( XXXX ) period that I spent XXXX abroad in XXXX. Ive since gone back to school. I called XXXX, to explain my situation and get info on my payment options during this period. The navient rep suggested placing my loans in forbearance during the gap and that I just needed to make sure and reply to their emails when came time to renew my forbearance. In XXXX of XXXX I realized I had a late payments for all XXXX loans from XX/XX/XXXX on my credit report. I contacted them XX/XX/XXXX and was told that my forbearance renewal date fell a few days before their XX/XX/XXXX reporting date and that they did not receive my request until the first of XXXX, I explained, however, that I had received the renewal email XX/XX/XXXX ( was early morning the XXXX for me in XXXX ) and replied the same day XX/XX/XXXX. He said there must have been an error and started a dispute and asked me to provide him with the emails in order to get it sorted out. I provided both the email I received and my reply along with the original emails. He was very helpful but it took the department until XX/XX/XXXX to reply, after I had called many times and finally spoke to someone higher up. 

After speaking to them the decision was emailed to me and states they can not change the error bc their system shows XX/XX/XXXX and believe the documents I sent have the potential to be faked/edited. So I again reached out to the manager I last spoke to, again everyone I spoke to was very helpful and nice, but stated her hands were tied but allowed me to provide more evidence authenticating the email and when it was sent in case it would change the situation but couldnt guarantee anything. So Ive sent the header using googles message header admin tool, highlighted the IP/time stamps to both the received and sent email ( original ), the message ID, and emails web archive, but as stated I was told they likely wont change it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the inquiries below and have done my best to resolve with the company and credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2021 we opened up a joint account for reason being that my current bank doesnt do any foreign wire transfer. We already had a credit card for 4 years so Im not new to the bank. We advised the bank manager what the intentions were for the reason why we were opening the account for, how much was being sent to us and we werent advised or warned that there was going to be a hold or freeze on our account. The wire transfer was from a relative from XXXX on XX/XX/XXXX and that money was only available for that day and we were only able to take out an atm withdrawal for {$1000.00}, a purchase for {$1200.00} and a purchase from XXXX XXXX for {$220.00}. Weve called at least 25 times since that embarrassing morning of XX/XX/XXXX when we found out that we had our account frozen and no one since then could give us a clear answer to is why our funds havent been released. Weve even made several appointment with the bank managers and put customer care on the phone to see what answers we can get and all we get is the run around that for us to call back next week and the following. This is getting out of hand already, we are in the middle of a pandemic and we need our funds. Im late in rent and other bills because these funds were going to be used for several important reasons and Im looking now into legal actions because the bank has no right at this point to hold my money. Another relative has BOA and received money from the same relative in XXXX on the same day for the same amount and hasnt gone through what we are going through, how is this fair? Are we being judged by our race or ethnicity???
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were made without my consent please remove
Product: Mortgage

This is the XXXX instance with US Bank where in I have had trouble with escrow recalculation and refunds. 

This complaint is for loan no. 

I have already paid the house tax for the year XXXX, in addition I have also paid the insurance premium for XXXX. 

I had called in early XXXX to get my escrow recalculated and a refund issued for the same. US Bank organizes all these departments differently, so while my tax liability for XXXX was set to {$0.00} no escrow recalculation was done. 

US Bank makes it hard to share information about tax/insurance payments, get escrow recalculated, does not track to SLAs on these requests and when customers call to get status or why there is a delay they are given the run around again. 

I was told my escrow recalculation would be done by XX/XX/XXXX, it was not. On calling in today, again I was given the loop by being redirected to the tax department again who did not pick the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing a Bankruptcy on my credit report that Experian verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them Experian stating they were able verify that bankruptcy from my credit report by saying it was accurate but they failed to giving any proof on how they were able to verify it. i waited over a month with hopes that they will send me another letter with the verification i asked for but still i got nothing. ... .. 


Also for XXXX i also asked for the method of verification with tracking numbers XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 i received a letter from them stating they verified the Bankruptcy with the Bankruptcy court located on XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXX. I eventually went to that bankruptcy court in person and they told me when i got their that they don't verify bankruptcies with the credit bureaus. They gave me a letter stating that. After that i sent that letter to XXXX  through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 i asked them to remove that bankruptcy from my credit report because it could not be properly verified. As of XX/XX/2020 i have not gotten a reply from XXXX.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found unauthorized inquiries on XXXX and Equifax Actions that were taking were, sending letters such as. As a federally Protected consumer my privacy rights are being violated under the PRIVACY ACT OF XXXX  As per 15 U.S.C. 1681 permissible purposes Opting out letters, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesng the Credit Bureaus to invesigate and remove the inquiries being reported on my Credit File that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these inquireis or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. While I am uncertain about the exact nature of these unauthorized inquiries, I trust that you will conduct a thorough investigation to determine their legitimacy.
Product: Debt collection

I lease to owe a trailer from XXXX XXXX  in XXXX XXXX XXXX, XXXX, KY XXXX. We make the contract and agreement for making the story short. The trailer start to blow tires the first 2 weeks. And by the second month the roof flight apart. The resolution was to leave the trailer in Texas at the dealership. That is XXXX XXXX  in Texas. I told them after pay my months all fees and everything to date. 
That will surround my trailer due many issues in less than 3 months. They told me that will keep the deposit, nothing about preference on where they will fix it. After that they sent a bill to a debt collector unfairly for me. Cause they keep the deposit and I keep my payment up to date. And because this roof was defective. I have to be responsible for transportation to the factory for free? Is not something that was made on purposely. 

The XXXX Incorporates in XXXX are the debt collector. They don't have no information about what happend. And went they call me several times told me that doesn't matter what happend. All they know is that I have to pay the amount they requested. And after a while they throw this situation to my credit report for the amount of XXXX. 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Amsher Collection Service multiple time. XXXX, XXXX, XXXX This debt buyer, The furnisher is reporting multiple account numbers for this account and is not forthcoming with actual legitimate verification. 

This reported information is inaccurate and can not be substantiated. 


.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of 15 U.S. Code 1681i - Procedure in case of disputed accuracy To whom it may concern you have violated my rights under the FCRA.

On ( 4-20-23 ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( 5-10-23 ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ).

15 U.S. Code 1692c - Communication in connection with debt collection. I want all this information deleted. 

Fraud Remove inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud ACCOUNTS XXXX Need removed BELOW. 

XXXX This account unauthorized remove late payments or account XXXX Fraud Remove names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 
XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> my citizens bank credit card was charged XXXX to XXXX XXXX XXXX XXXX. I was scammed by this company my card was only Supposed to be charged XXXX dollars for XXXX hour parking. I paid at thXXXX XXXX. I called the company and it goes to a voicemail. I was not the only victim of this scam. I called my bank immediately after it happened to file a dispute. They told me it will take up to 30-90 days and they would send a letter in the mail.. I never received a letter. I reached out again and they stated my dispute has been denied, I never received a letter or an appeal. They stated they would reopen my dispute and I would hear back within ten business days. They never reached out to me. I continue to call and they continue to tell me they will look into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 50 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 50 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally Protected Consumer I am now Opting Out of Any and All Authorization I the Consumer may have given said ( CEO 's ) and ( CFO 's ) Written/Unwritten, Verbal and Non-verbal 15 USC 6802-6805 , Privacy Act 1974. 

Amounts listed in uploaded documents.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number - XXXXXX/XX/XXXXXXXX - Account number XXXX XX/XX/XXXX - Account number - XXXX XX/XX/XXXX - Account number - XXXX XXXX XX/XX/XXXXXXXX XXXX - Account number - XXXX XX/XX/XXXX Important dates Inquiry date XXXX XXXX, 2023 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Student loan

In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights. Under 15 USC 1681 SECTION 602 states that I have the right to privacy. 15 USC 1681 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on an account open end consumer credit plan as late for any purpose.