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

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. But my credit has been compromised because I have numerous of items that are not mine. Can you delete these items from credit report so I can purchase my first home. Thank you. 

XXXX XXXX {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$6000.00} XXXX  XXXX {$4200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$98.00} US DEPT ED XXXX {$6100.00} DEPTEDXXXX XXXX {$3500.00} XXXX {$400.00} XXXX XXXX XXXX XXXX
Product: Debt collection

This debt is not mine and has been reported for 3 years making my credit bad. They do not have my permission to use my name or my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a job that did a background check they sent me a copy of the background check on XX/XX/XXXX and the information in the report is not correct and one of the reports on my record back in XX/XX/XXXX. should not have been there this company supposed to only go back seven years not something that happens in my pass that was supposed to be done as a juvenile record. then in XX/XX/XXXX, i have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

I disputed this account with XXXX and attached a police report and FTC report and showed this account was not mine and they still remove it. This account is fraud
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX | account # XXXX Investigate recovery| account # XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  |Account # XXXX XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX | account XXXX XXXX XXXX XXXX XXXX| account # XXXX
Product: Debt collection

SUNRISE CREDIT SERVICES ( XXXX ) opened a collection on my account for XXXX $ supposedly opened on XX/XX/XXXX. I have disputed this account and nothing has changed yet. I have asked them to show proof but has not received it.
Product: Checking or savings account

The company false flagged my account and I do not have access to my funds. I am unable to complete transfers. I saw this from the online mobile application I am a Bank of America _ Prepaid customer receiving deposits from the EDD and the state. 

The first representative XXXX Colorado in card protection told me that an address change was done on my account. I told her I do live at the address and the EDD added a XXXX. I was like I am not sure if the XXXX needs to be there but I will check to see if it pulls up with the XXXX included. It was no real change. She refused to unflag my account. XXXX Supervisor refused to unflag my account and then blocked my online access.. I was no longer able to see balances in mobile banking. Cutting and restricting my access. 
The bank of America representative refused to unflag my account and allow me to have access to my funds and transfer my funds. I requested to speak with a supervisor cause I need to file a complaint because I should not have been flagged in the first place. I should have been notified of the hold that restricted my account. The first agent should have removed the hold once I was authenticated and identified my address. The supervisor should not have blocked my mobile access as the account was not in danger there was no fraud. 
Customer Service representative just giving me a hard time for absolutely no reason. I explained the situation to them and they just wanted to give me a hard time. I called back into Bank of America and received the service I should have gotten the first time. They ublocked my account and I was able to do my transfer as normal. The difference between stellar service and awful service and a complaint and a compliment. Bank of America needs to research the first caller and supervisor 100 % unacceptable and the second time I called back Winning Great Service. I am still pressing through with the complaint because it makes a difference and you all should know what people in America go through dealing with financial companies.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the ongoing dispute process for inaccurate and unverified negative items on my credit report. It is disheartening to find myself in a continuous cycle of disputing these items, especially when they have been previously acknowledged as inaccurate by another credit bureau.
Product: Mortgage

My mortgage company did not pay my homeowners insurance ; and, now my policy has lapsed.
Product: Checking or savings account

I've recently learned about Navy Federal 's discrepancies with their XXXX  program and I wanted to be made aware of if I were eligible to dispute my overdraft protections as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 a hard inquiry on my credit was established. I have disputed this over the last several months. I do not and have not lived in XXXX, IL. neither have I been to XXXX for over 20 years. Equifax refuses to remove this inquiry, along with the false XXXX hard inquiries that I have followed all of the correct measures to have removed, they also are from XXXX, IL. XX/XX/2017, XX/XX/2017, and XX/XX/2017.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX placed an escrow on my account in error. I received a letter from XXXX dated XX/XX/XXXX, explaining that it was an error, and that they are currently in the process of cancelling the escrow error. The cancellation, to my knowledge never occurred, due to the fact that I am still being charged an extra {$79.00} per month on top of my regular fixed rate of XXXX per month, plus Lender Placed Insurance of {$130.00}. My fixed contract, signed back in XX/XX/XXXX, states {$340.00} a month. I should be paying a total of {$480.00} including insurance per month. Let me now fast forward to the present XX/XX/XXXX. I received a letter dated XX/XX/XXXX from Shellpoint Mortgaging Services stating that the owner of my loan has entrusted them with the servicing of my loan, and the amount due is {$630.00} per month. I have contacted them multiple times asking for an investigation into the matter, in order to rectify the situation that has been draining me for more than a year. I presented XXXX ' letter explaining the error. They write me back, and I quote " Shellpoint 's records indicate that we have already received the same or a similar correspondence that we have already responded to. Since your additional correspondence did not provide any new or additional information for us to form the basis for a new investigation, our response remains the same. Therefore, we will not be conducting another investigation. '' end quote. 
How can they get away with this. I live in a double wide trailer that I have been paying on for twenty one years, and have never missed a payment with the exception of last month XX/XX/XXXX. I am being extorted, and have been paying what they have put out for me to pay because I do not want to lose my home. I am extremely frustrated due to the circumstances of being continuously robbed every month. I can only hope this complaint does not fall on deaf ears, or blind eyes. I am attaching documents that I are pertinent, and discussed within this email. Also I am attaching an email that I sent to them in aggravation that is laced with a couple of profanities. 
PLEASE SOMEONE HELP!! 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately! 
Below is a summary of the data in which I am challenging :
Product: Checking or savings account

I have been trying to close my aunts checking account since her death in XX/XX/2023. Her account is with Wells Fargo in XXXX Minnesota. I live in XXXX Illinois. I am her POA and her only heir. I went to a Wells Fargo bank in a XXXX suburb but was told I would have to make an appointment, they do not honor walk-ins. I then called and made an appointment With a Wells Fargo bank in XXXX Illinois, closer to my home. I arrived for my appointment 15 minutes early. After waiting an hour past my appointment time I asked when I would see someone. I was then directed to a woman who said she was not a branch manager and they were short staffed but she would help me get all the forms in. I provided her with a copy of my aunts death certificate, a copy of her POA which listed me and my ID. She took everything and put it into a file and gave me a Wells Fargo form to close out the account of a deceased person and a copy of the Illinois Affidavit for Estate Collections. She told me that usually I could fill these forms in and add them to the other documents. However they needed to be notarized and they had no notary there that day. So she told me to get them notarized and mail them to the branch manager, which I did. She also gave me his card with his number on it. She told me she put in the notes to let him know to expect my documents and then to, call me. She told me I could also call him. After 3 weeks when I had not heard anything I called his number from the card. The recording said that his number was not set up to leave messages. I then called the 800 number for the deceased account department. I spent an hour going over everything including my dissatisfaction with another person. She assured me she would email more forms that I could then return by email using their encrypted system. I never received any email from her. Several days later I called the same number and I explained the story to another person who told me she would send the material to me and I could resend electronically or by overnight mail. I sent the documents by overnight mail on XX/XX/2023. I contacted Wells Fargo again and got an email from XXXX XXXX. She had my documents but said that the Illinois form needed more information and said that I should use the Minnesota form instead. I refilled it out and again tried to, send the documents electronically unsuccessfully, I am now resorting to this complaint process because I have had enough. Can someone help me close this account out? I work with several banks here in Illinois for both personal and business. I have NEVER had so many problems, excuses, poor customer service. Who hands out business cards with a phone number that does not take messages?
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously opened a case regarding fraudulent credit inquiries appearing on my credit report from XXXX XXXX. The previous CFPB case was case # XXXX. XXXX XXXX promptly investigated my claim and found that these inquiries were in fact not authorized by me and requested that the credit bureaus remove them. XXXX and XXXX promptly removed the inquires. Equifax did not. I contacted Equifax directly through the CFPB and attached the letter from XXXX XXXX stating their intention to have the inquiries removed. Equifax responded to the CFPB and told the CFPB that they would investigate my claim. Equifax did not investigate the claim. Equifax opened a dispute which they close a few hours later and responded to the dispute stating that inquires were a matter of fact and that they would not remove them from my credit file. I am requesting that XXXX XXXX once again reach out to Equifax and request the removal of the fraudulent inquires. I have attached a copy of the letter from XXXX XXXX regarding the inquires which states the inquire ID and the date of each fraudulent inquiry to this complaint. I would also ask that the CFPB take action against Equifax for not following the request of XXXX XXXX and my request to investigate and remove the inquires. XXXX XXXX requested the inquires be removed in XXXX and it is now the end of XXXX and the inquiries remain on my credit report. I have copied XXXX XXXX and Equifax on this complaint. I have also attached screenshots of the inquires still showing on my credit report as well as screenshots from Equifax 's online dispute system showing that they opened and closed the investigation into these dispute within a few hours, did not actually open an investigation and denied me my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fraudulent Inquires XXXX XXXX XXXX XX/XX/2022, XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my Citi Double Cash card to purchase some HVAC work in my home. The charge was {$860.00}. This was a valid charge ; however, as time moved on, and I went to pay my account for the month, I did not recognize this charge. When I XXXX  the phone number on the charge and the company name that showed up, I could not find anything, so I thought that this charge was false and needed to be disputed. When I disputed the charge, Citi credited me the item on the account while they investigated. Two days after this, the company that completed the HVAC work called me to ask why the charge was being reversed. This was when I realized the charge was legitimate, and I had made a mistake. I told him to give me a week or so, and I would attempt to contact Citi to get the charge placed back through. After literally hours of attempting to get the right person on the phone at Citi, I finally got someone who told me that would be taken care of and the charge would go through. However, several days later, working with the HVAC company, they told me they still never got the {$860.00} from Citi and that I needed to pay again. Therefore, I used another credit card ( XXXX attached below ) to complete the transaction. This would all have been fine until I saw that Citi charged me {$860.00} two times on my statement on XX/XX/30 and only one credit ( see Citi Double Cash below ). I called Citi Friday, XX/XX/XXXX, in an attempt to rectify the situation. I was transferred between 3 representatives and on hold half that time, and once I got to the third, I was hung up on. At the very least, I should be allowed to dispute the {$860.00} charge that was not refunded. But, the Citi app and online access will not allow me to, it directs me to call Citi which I did. I can't afford to spend more time with Citi attempting to resolve this so I expect this to be rectified by Citi through the CFPB to avoid a small claims/legal route. 

This is the second time I'm submitting this complaint, this is a blatant violation of the card act. They are not allowing me to dispute a charge, how is this legal?
Product: Debt collection

XXXX first set of letters arrived XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I disputed this debt, and they never replied in a timely manner, see attached letters. They also said that they could not verify that I did pay this debt in chapter XXXX bankruptcy I have attached a statement for your review. XXXX XXXXXXXX set of statements came on XX/XX/XXXX, XXXX sets of statements, than XXXX sets of statements of XX/XX/XXXX, please find attached.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven back in XXXX and they still appear on my credit report. 

Credit report showing below : XXXXDEPT OF ED XXXX % paid off {$13000.00} XXXX/DEPT OF ED XXXX % paid off {$10000.00} XXXX/DEPT OF ED XXXX % paid off {$8600.00} XXXX/DEPT OF ED XXXX % paid off {$8600.00} XXXX/DEPT OF ED XXXX % paid off {$7800.00} From XXXX : XXXX XXXX XXXX XXXX XXXX 
Congratulations! You have successfully met the requirements of the XXXX XXXX XXXX XXXX ( XXXX ) XXXX and all or a portion of your loans listed below have been forgiven. Thank you for your public service! 
Loans Details XX/XX/XXXX ACCT NUMBER : XXXX XXXX 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

TD Bank. I deposited a check for {$1000.00} on Saturday XX/XX/XXXX at their XXXX location. Normally being the check is from a regular sender and their bank is in state they would normally clear it by Monday XX/XX/XXXX and would be available. I cut my landlord a check for {$870.00} later that afternoon and still had around {$170.00} in my account on top of that {$1000.00} ( that should have cleared ). I saw Monday that the check did not clear and told my landlord to hold off on depositing my check I cut him for {$870.00}. He said he already deposited it on the XXXX. I called TD immediately where I was told the check my landlord deposited wasn't showing on XX/XX/XXXX and that they would put a note on my account and if something looked wrong Tues XX/XX/year> just call up at XXXX XXXX  to push the check I deposited for {$1000.00} through. Morning of XX/XX/year> I saw the check was deposited on the mobile app and the {$870.00} check was credited. So the balance made it appeared like everything was ok like the rep told me the day before. XXXX XXXX XX/XX/XXXX same day I saw that there was an excess amount of funds in my account. I called up the toll free line and find out they returned my check for insufficient funds and credited the check for {$870.00} back to my account. My landlord is now charging me an excessive returned check fee on top of a late fee he would normally of waived as a result of this negligence. This disrupted my living situation and cant afford the hundreds of dollars in fees that I am being charged for TD bank dropping the ball. To add insult to injury they told me " oh you had to call by XXXX XXXX  to push it through before the insufficient account notice would go out. '' They didnt tell me that the day before. They also told me I had overdraft protection and that I should be fine. It looked find the morning of XX/XX/XXXX and it looked like they reversed everything and destroyed my ledger by the end of the day and had the audacity to tell me I had to call in that morning when everything appeared to have balanced out on the mobile app. I don't think I can recover from this. I escalated the complaint but no damages were paid as of today to remedy the grievance. Please forward to the Dept of Banking and Finance.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I initiated a wire transfer to external account ending in XXXX for {$1000.00}. On XX/XX/year> I initiated another transfer for {$5000.00} to the same account. About a week later when the funds never arrived I called my bank to investigate what happened with the two wires. They said theyd take care of it and almost immediately ( XX/XX/year> ) I had a credit of {$6000.00}. On XX/XX/XXXX and XXXX those credits were removed from my account and I reached out to my bank to recover the funds. I was told there was an error on my first request and that a new request would be submitted. On XX/XX/year> I was told there was nothing more they could do and the {$6000.00} was gone forever.