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

To Whom It May Concern, On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inacurrate/ incorrect. 

To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my 2nd request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for the dispute below XXXX XXXX  XXXX account showing all the wrong payment history and information. it needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my husband and I financed a car with Atlanta Auto Star. We searched for a car dealer that reports to all 3 credit bureaus and chose Atlanta Auto Star for their advertising statements that they report to all 3 credit bureaus. For 1 year and 2 months this company reported our on time payments/never late to all 3 credit bureaus. In XX/XX/XXXX they stopped reporting to any credit bureaus. We contacted the owner XXXX XXXX who advised us that for his business needs he has stopped reporting. We advised him that we only went through his company because he reported to all credit bureaus. We insisted that we were never notified in advance of a change to his business practices and reporting processes. He said there was nothing he can do. We feel like we were mislead with false and misleading business practices to get a loan with his company. This has now ruined our opportunity to purchase a home and has now stalled our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX Balance : {$2400.00}
Product: Mortgage

As a recap from my last complaint, my loan modification was approved and then taking away due to a payment that was authorized for me to submit upon receiving the loan papers. According to XXXX with PHH mortgage, he advised me I could submit my first payment once I received the loan modification approved papers. Well, I didn't receive the loan modification papers until after the due date which made my first payment late and in results PHH pulled my loan modification from me. I advised them to pull the phone call with XXXX and myself conversation indicating it was still okay to submit payment although it was past the deadline. 

PHH mortgage apologized for error and said they will give me another loan modification. As of today I have not received a modification or any other offers and PHH mortgage have started foreclosing procedures. According to the letter I recieved dated XX/XX/2019 they were considering me for a loan modification and advised me there was nothing for me to do while they're looking into my loan modification. PHH mortgage said they will not consider any foreclosure proceedings and there will not be any mortgage late payments reported to credit bureaus while the loan modification was being considered. Well, PHH lied! I received foreclosure letters while they were considering me for the loan modification and PHH mortgage also where reporting late payments to the credit bureaus. 

I have attached corresponding letters to support my complaint. 

Please help me save my home! I'm not sure why they haven't listen to the phone conversation between XXXX and myself discussing the loan modification. This will surely clear up the error on their end.
Product: Debt collection

I have no knowledge of anything that is on my credit report. I have not supplied the doctrine of XXXX by silence Engelhardt vs gravens ( mo ) 281 sw 718,719. I presume that no proof of the alleged debts nor therefore any such debt in fact therefore exists
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of previous disputes. In light of recent lawsuits involving CFPB. Despite numerous complaints and reporting of discrepancies my financial institute and Zelle failed to effectively investigate and offer any type of solution. The CFPB have found adequate evidence that Zelle has neglected numerous consumers myself included along with exploitation.
Product: Credit reporting or other personal consumer reports

I initiated a complaint about the block pursuant to 15USC1681c-2 which states that 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, not later than 4 business days after the date of receipt by such agency. Equifax has violated my consumer rights by denying my request. On XX/XX/2023 I submitted a CFPB identity theft complaint to Equifax stating the following : There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. Accounts are listed below : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. Equifax denied my request ( see attached letter )
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX XXXX I received a notice from Discover Card indicating I had missed my past two payments and my account was delinquent. My account has been set up on auto-pay since its inception so as to never miss a payment. 

I contacted Discover customer support and inquired as to why my auto-payments were not being made. The account they were drawn on had sufficient funds and no reason for the payments to have not been made. I was advised their system had unsubscribed me from the auto-pay. Customer service could not provide an explanation as to why it was unsubscribed, but was not done at the cardholder 's request. 

I provided them with a payment to cover the delinquency. Auto-pay was re-configured and payments have been made via auto-pay on-time ever since. Discover agreed to reverse any late fees and remove the " late '' flags from my account and credit report. The late fees were waived for those two months, but they have never followed through to remove the credit hits for the late payment 30 days past due. I've further disputed this through the credit agencies without success and have spent considerable time and effort trying to get this resolved. This continues to be a factor in my credit history and needs to be completed. 

If you need any further documentation/explanation, please let me know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. XXXX Date of inquiry : XXXX XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX & XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

after 9 months of waiing for my unemployment, ESD approved my claims and i was reembursed almost XXXX dollars to my account with chime bank. I didnt realise it was approved for quite sometime as the esd department was severely behind and mail and communications are very little to none. when i had finally noticed XXXX dollars was stolen from me. i contaacted my bank 3 times asking my avccount to be stopped. it never was. i filed police reports, sdtill nothing haopened. finally after a month they deactivated that card and i have filed well over 6 disputes requesting to be reimburs3ed. i XXXX filed identity theft because thid person has all my info. i reorted to credit bearues. XXXX XXXX had denied all requests on this dispute. i dont know what elso to do. it was banks error for sllowing my account to be active after i reported it was jepordized. i get no where with chime but i actively file a dispute the sme day they deny it.
Product: Debt collection

I do not have a knowledge of owing any debts. I was not called or mailed a letter to verify any amounts due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is an identity theft report that has the following fraudulent inquiries reporting to my TransUnion credit report. 

TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX Bank XX/XX/2023
Product: Debt collection

After looking at my credit report in XX/XX/2018 I found a medical debt on the report I did not recognize. I sent the debt collector a Demand for Verification by Certified mail Return Receipt demanding verification. The debt collector did not respond within 30 days. In fact they still have provided no verification. I spoke to a representative of the company on XX/XX/2018 and asked where the information was being sent. She informed me that the letters were being sent to an address I did not have and have not had for over two years. In the validation letter my address appears in BOLD print on all 3 pages and under the signature. Yet they did not respond to that address. They did not list the debt as disputed on my credit report during the validation period. I spoke with the President of the company and I explained that his company failed to respond and asked that the report be removed from my credit bureaus reports. He stated he couldn't do that.
Product: Credit card or prepaid card

I received a letter today, XX/XX/2020, dated XX/XX/2020, from JPMorgan Chase Bank @ XXXX XXXX XXXX, XXXX XXXX, TX, XXXX stating the following : " Thank you for your interest in opening an account with us. Unfortunately, we've decided not to open an account for you. '' The letter from Chase goes on to say that the denial was based on my credit rating from XXXX dated XX/XX/2020. This hard pull on my credit report was not the result of the initiation of a credit application on my part. I did not initiate a credit application with Chase Bank and I did not ask to do business with Chase Bank recently. Therefore, Chase fradulently ran a hard credit pull on my credit report/rating without my consent. The letter includes my credit score, so this was a hard pull. Please ask Chase to provide proof that I initaited a credit application with them to justify this hard pull on my credit. 

I ask for the assistance of the Consumer Financial Protection Bureau in holding Chase fully accountable for this violation of my rights as a consumer. It is my understanding of the law that companies can not make hard inquiries on a consumer 's report without his or her permission and without the consumer 's intent to do business with the company.
Product: Payday loan, title loan, personal loan, or advance loan

We purchased solar panels from company called XXXX XXXX, they installed them they went online XX/XX/year>. Since the product went online and they sold the note to Dividend Financial a division of 5th Third Bank, the product has not improved our bill with XXXX XXXX at all to the means they said this $ XXXX has cost us. I tried time and again to get some to come out with no luck. We have continued to pay the monthly bill to Dividend. The company XXXX XXXX has since went bankrupt and the Florida Attorney General has a case on them that was filed XX/XX/year>. I have paperwork filed with the AG of Florida as well. I'd like this loan forgiven due to product not workign like it was promised and saving us the 70 to 80 percent on electric bill.
Product: Checking or savings account

On XX/XX/XXXX, I made a large deposit after a property sold to Wells Fargo. I made the deposit at a local branch and was told by the head teller there to wait a day and the check should clear. I was also told I should have no issue moving the money to other accounts. The following morning, XX/XX/XXXX, the funds were listed as cleared and available in my account. Around noon that day, I started making transfers to my other investment accounts, such as my children 's college funds and putting money to my mortgage. A couple of hours later, I receive an email from Wells Fargo, saying I am overdrawn. Wells Fargo had reversed the deposit without me being present or notified and placed a hold on my deposit until XXXX after I started transferring money out, leaving me overdrawn by $ XXXX. I had to scramble to try and cancel transfers and stop payments. The branch told me to call the 1800 number to see if they can lift the hold early and the call center said only a branch can do it. At XXXX on XX/XX/XXXX, they finally notified me of the deposit hold by an alert to my account.
Product: Credit reporting or other personal consumer reports

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


FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX XXXX XXXX XXXX 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 that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to that Credit Report generated on XX/XX/XXXX I have no open Home Loans. Yet I receive bills for such, however inaccurate and contradictory each are they still appear, my Credit Report shows four ( 4 ) closed Home Loans : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX Who submitted documentation into my file causing it to reflect those 4 home loan closures and when was each submitted altering my Credit File in such a manner? I believe there is unauthorized manipulation of my Credit File ongoing for more than the second time in under ten ( 10 ) years. I previously mentioned I believe Experian is or may be held to be acting in concert with other entities and that combination of interests may well trigger Action ( s ) under XXXX  more commonly known as XXXX XXXX XXXX XXXX. I need both confirmation as well as verification what entity or entities are actively or passively manipulating my Credit Information for whatever purposes? Including but not limited to improper influence or production of documentary proofs based upon that inaccurate information presently contained within that Credit Report generated on XX/XX/XXXX, all 46 pages which I have fully copied. Moreover, why is my file sub-divided in a manner I've never seen before as it is? It is and has been LOCKED for more than a couple of months now, so please explain why I am witnessing such anomaly ( s )? As this has adverse effects on that stated total debt reported as {$71000.00} on 5 open accounts with 1,568 being in Credit card or credit lines, my debt to income is also affected as well as a host of other metrics, please explain and provide that evidence therefor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX states that I owe them {$130.00} from a closed credit card account that I never opened and has reported for the past year that I have not made a payment on the account. 
XXXXXXXX XXXX stated that on XX/XX/XXXX I opened a account for a secured card in the amount of {$300.00} at a address in which I never lived. They closed the account on XX/XX/XXXX after showing the account in good standing for a few months. This account was opened fraudulently by someone other than myself. Account number begins # XXXX I asked if XXXXXXXX XXXX could please send me a debt validation letter and they never have and Ive been asking them for the past year.
Product: Debt collection

I am writing to address a concerning collection entry that has appeared on my credit file from your agency. I was not previously notified about this alleged debt, and I have serious doubts regarding the validity and accuracy of the amount being claimed. Under the Fair Debt Collection Practices Act, I have the legal right to request verification and validation of this purported debt. I am therefore respectfully requesting that you provide the required documentation validating this collection entry and take appropriate action to rectify any inaccuracies.
Product: Credit card or prepaid card

On XXXX XXXX XXXX XXXX XXXX XXXX  came to my home to fix a clogged basement drain. They stated that the problem was a collasped sewer line and that the bill would be {$8000.00}. toXXXX. the price soared to XXXX most because of unnessary work. I was never given a opportunity to get another estimate for as XXXX was telling me the problem the electric company arrived to paint digs lines. I was advised that XXXX XXXX would be apply for credit for me. On XX/XX/ I was confronted by the tech on the job that I needed to handle the bill. I advsed him that XXXX was suppose to handle it. He kept his vehicle in place not moving it so I could go to work. On XX/XX/ I received a call at XXXX XXXX  that the tech was outside and would stay until I dealt with the final payment. He came and called XXXX of XXXX XXXX  and opened a account for 28.99 %. ON XX/XX/ I received mail that XXXX XXXX XXXX also opened a card on Fortiva retail Credit. I have no idea about that account or what is charged on it. As of this time I have neither seen a bill or anytype of accounting of this Job. I have no idea how many accounts have been open. I believe that XXXX XXXX XXXX engaged with both Fortiva and XXXX in a scheme to of preditory lending.
Product: Debt collection

I refuse to pay this debt, I request them to cease and desist contact with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these inquiries removed off my account as some of them have been resolved or settled and shouldnt necessarily be there any like XXXX XXXX XXXX like thats a savings account and balances need to be updated and I want stuff in collections to be removed please. 

XXXX XXXX XXXX As of XX/XX/XXXX Fico Logo Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX See all 3 FICO Scores Your credit information at the three credit bureaus can be different. Add your XXXX and XXXX FICO Scores today. 


Review my 3 FICO Scores Personal information NAME XXXX XXXX XXXX ALSO KNOWN AS - GENERATIONAL IDENTIFIER - YEAR OF BIRTH XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   PERSONAL STATEMENTS NO STATEMENT ( S ) PRESENT AT THIS TIME Quick actions Your credit file is unlocked Manage Experian CreditLock Print your report Open a printable version File a dispute Visit the dispute center You have 8 openaccounts Total balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

We filed BK XX/XX/XXXX. We listed three mortgages held by TD Bank. For five years plus they did nothing with these loans. Now, some five and a half years later, they decide to start foreclosing. ( Interestingly as the market place has improved ). 
I now receive demand letters from the attorneys at XXXX XXXX XXXX ( a XXXX law firm ) representing the bank. I have sheriffs knocking on my door at XXXX in the XXXX   delivering demand letters and notices. I've had complaints and threats of fines from municipalities for code compliance infractions ( primarily the XXXX, PA municipality ). I receive a barrage of mail ( as recently as this past weekend of XX/XX/XXXX ) from the bank and attorney claiming {$170.00}, XXXX is owed on these properties. 
The very first page in the BK filing under the heading " Creditors May Not Take Certain Actions '' it clearly states the creditor must refrain from arbitrarily contacting the debtor. They have been and are in violation of my rights availed me through my plan. 
TD Bank had five years to file the proper notifications during the BK period to acquire a relief of stay. They did not. Now, that is suits their financial needs, they desire to take the properties. 
I want the notices, the letters, the sheriff visits to stop! 
TD Bank and the Trustee in the BK didn't see any value in these properties when they were listed in the BK. Now, I don't think they should have the right to harass me for them.