23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

ERC. threatened to XXXX and XXXX my XXXX if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.
Product: Credit reporting or other personal consumer reports

To whom it may concern I recently discovered that my personal information was exposed in a data breach, resulting in inaccuracies and negative entries on my credit report. I am requesting that all incorrect or fraudulent items be removed promptly from my credit file within the 30-day dispute resolution period. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent Charge Off appearing on my consumer XXXX credit report with a balance of {$1600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX. This account have resulted in several fraudulent hard inquiries in the past, fraudulent collections and fraudulent Charge Off appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections or Charge Off related to this duplicated account as reported. The aforementioned account, collection, and Charge Off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection and Charge Off are the result of Identity Theft and Fraud. I have attached an Affidavit of Truth and also i have attached copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, and Charge Off are the result of identity theft and fraud. Please remove and delete this account from my report, they are hurting my ability to obtain credit.
Product: Mortgage

Hi iam disgusted companys are offering help to people in forclosure but they have to own less than 50 % equity in there property? CFPB & lt ; that rings alarm bells for me, That is admitting that you have no chance of keeping your home, because the banks will retail through a third party i am fully aware of this situation haveing bee a victim of fradulent forclosure and perjury i owned over 50 % equity in my home that wells fargo / wachovia / XXXX stole numerouse court compensation orders to pay? but guess what no compensation recieved you are skaming the consumer in the usa wells fargo are crooks and you let them trade to ripp off more people and houses i request to have my numerouse cases investigates by whom the cfpb have to comply to the state senate you have stalled thhis proceedure and you are lieable for neglegence because you have not prosecuted i demand a senior member to contact me over this fraudulent activity by you and wells fargo bank i have just sent my full complaint history to the XXXX foriegn secretary acusing wells fargo bank of fraud, perjury, committed in american court of law, i have been treated unequal to american consumer i request this information by return iam send all correspondance involved in the case no missed paymants FRAUD committed
Product: Credit card

Some individuals were receiving an offer for a free night stay at XXXX XXXX hotels. However, not everyone received it. The offer was not available for all card holders. 

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

I contacted Transunion after I received a copy of my credit report in XX/XX/2018. Over the last 6 months Transunion has given my, an identity theft victim, the run around of trying to get the fraudulent accounts and inquires off. I have several accounts and inquires that are not mine. I was even told a fraud alert would be on my credit, I'd be contact before they went forward with an inquiry or new line of credit. However, here we are, and I'm still getting fraudulent inquires. I've finally decided to involve the FTC and have filed a identity theft report with them, I'll be contacting my general attorney if Transunion countines to report fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by [ XXXX and Equifax ]. I believe my rights under these acts have been compromised in the following ways : 1. Lack of Consent : I have not provided explicit consent, whether verbal, non-verbal, written, or implied, for the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties, which may constitute a violation of FCRA Section 604 ( a ) ( 2 ) and GLBA Section 6802 ( b ) ( c ).

2. Nondisclosure Option : I was not adequately informed of my right to exercise the nondisclosure option, as required by GLBA Section 6802 ( b ) ( c ).

3. Adverse Information Reporting : The reporting of adverse information that antedates the report by more than seven years, as specified in FCRA Section 1681C ( a ) ( 5 ), is potentially in violation of the law.

4. Inaccurate Information : I have reason to believe that the information being reported is inaccurate and not maintained with reasonable procedures, as required by FCRA Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e.

In light of these concerns, I am choosing to opt-out of any services that involve the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties. I kindly request the CFPB 's assistance in addressing these issues and ensuring that my rights are protected under the FCRA and GLBA.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I looked at my FICO score on my WellsFargo.com accounts ( logged in ) after a business negotiation due diligence effort detected an issue. Imagine my shock to see that my credit score, normally hovering between 825 and 850, had dropped to XXXX in one month. That's a 137 point drop in one month. Knowing that purchasing/leasing a new car ( my only transaction affecting credit ) in that period couldn't cause that drop, I called Wells Fargo. After several minutes ( 23 actually ) to get through the hold, I was told " that was XXXX, not us '' and I'd have to call XXXX. Wells did connect me with a team to file a complaint against XXXX. which took up hours of my day. So I call XXXX  and after 45 minutes on hold get the call center in XXXX ( barely intelligible English speaker ). She told me " that is Wells Fargo, not us ''. XXXX. When I explained to her that I ran my XXXX   report ( which I had already run to try to remedy and the online version showed " possible criminal activity '' at my new address, she maintained that that marker didn't affect my credit, tried to sell me a credit reporting product, then told me she has no access to my account ( doesn't XXXX PRODUCE the information? ) and Fair Isaac Corporation was responsible. Of course, there is no one to call at FICO. She offered to send me my credit report in print form. I accepted and noted that the report she finally sent has rescinded my " possible criminal activity '' from the report. And like magic, my credit score returned to XXXX the next week. The kicker? They had ERASED the 137 point drop from my XXXX history which is trackable in graph form from Wells Fargo.com. What is infuriating is that no one took any responsibility nor is accountable to me. These credit agencies make mistakes that negatively affect my financial life but since I am the product, not the client, they do not care. This affected me materially - I was negotiating a business partnership and my credit score was part of their due diligence - it affected the contract negotiations in a negative way. I need an answer from both Wells Fargo and XXXX  what caused this and what steps they will take in the future to prevent these kinds of mistakes ... AND WHY I AM NOT NOTIFIED OF BIG NEGATIVE CHANGES IN MY CREDIT SCORE. What about Americans who work 2 jobs and have no idea their credit has changed when they go to buy a car? It hurts everyone and is dishonest.
Product: Credit reporting or other personal consumer reports

Creditor XXXX XXXX reporting inaccurate XX/XX/ late payment. Per CEO of the creditor XXXX XXXX my account will be update accurately as paid as agreed/no late payment. The payment was received instore on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 
XXXX XXXX XXXX Account numberXXXX Account XXXX XXXX XXXX XXXX XXXX Account numberXXXX Account typeUnsecured Responsibility Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

The Prospective Employer XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX, Without written authorization took my personal information and submitted it on my behalf to XXXX XXXX company for a background check consumer report for appointment as a private contractor of XXXX XXXX XXXX XXXX XXXX XXXX of which is a misrepresentation as I was under the Impression I was going to be employed by XXXX XXXX XXXX 
XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  Utilized the service Hireright LLC to acquire an unauthorized complete report. 
XXXX XXXX. XXXX. XXXX Suite XXXX XXXX, OK XXXX XXXX XXXX and or XXXX casualty Insurance company in this action without written authorization and surely with no XXXX Ohio address Listed my job location as XXXX XXXX, XXXX OH XXXX knowing all along my Insurance producer license Was NV Resident only and without non resident permissions. 
I did not have knowledge of the report, or the report in my hand to dispute within the required timeframe listed to be a 5 day requirement provided within the HIRERIGHT LLC communication. As all or part of it may be incorrect. 

HireRight llc WAITED UNTIL XX/XX/2021 to send me notice of this report with a letter stating that this report has information in it that may result in " company '' deciding not to offer me a position in which I did not apply. 
The background check and consumer report request # XXXX States it was REQUESTED : XXXX  XXXX XXXX  COMPLETED : XXXX  XXXX 2021 ADJUDICATED STATUS SET : XX/XX/2021 Yet the postage shows that it was not sent until XX/XX/2021 I did not receive it until today.vAttatched is the info for XXXX XXXX XXXX XXXX for the liability protection of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
and also Attached is supporting documentation.
Product: Debt collection

I sent a written dispute letter to the EOS CCA with proof of the date of delivery being XX/XX/2022 its been 30 days which is the time they had to respond to the dispute but theyve failed to respond. The amount of the debt is {$700.00}.
Product: Debt collection

Today on XXXX XXXX, per XXXX, my score dropped XXXX points due to a Missed Payment listed by XXXX XXXX XXXX. I have no contract with them or their d/b/a XXXX XXXX. I have asked for validation and verification of debt. I have asked for a Request of XXXX per the FDCPA. All they can send me is a statement of account and a copy of my note and mortgage which they are nowhere to be found in my paperwork. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. Per Credit Karma it states that my account with XXXX XXXX  XXXX began on XX/XX/XXXX. I don't know how that is possible when it was FINANCE OF AMERICA MORTGAGE. Who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to XXXX XXXX  XXXX. The only one I have a contract with is FINANCE OF AMERICA MORTGAGE. They are not able to produce any wet ink contract between myself and XXXX XXXX  XXXX. THEY ARE IN COMPLETE AND TOTAL VIOLATION OF ALL APPLICABLE CODES UNDER TITLE XXXX.
Product: Credit card

The kohls account has been write off as a debt lose I would like it removed from my credit report they refused
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last ( XX/XX/2022 ) that you Close MY COMPLAINT # XXXX, that i sent a on ( XX/XX/2022 ) to Investigate the Innacurate Accounts : XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; .According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Checking or savings account

My debit card is through Bank of America. Starting on XX/XX/XXXX through XX/XX/XXXX I was hit with fraudulent charges totaling over {$600.00} coming from XXXX trips. The bank did not even alert me of the suspicious charges racking up I had to find the activity on my own through my mobile banking app. I reported the claim quickly on XX/XX/XXXX once I found the charges myself. I went through all the charges in question from XXXX for those dates with the agent. My account was temporarily credited for those charges while under investigation. So I assume everything is taken care of since these were clearly fraudulent charges because it would be impossible to rack up that many XXXX trips and I hadn't even used the app since XX/XX/XXXX. XX/XX/XXXX the {$600.00} plus in credits are now taken back out of my account. After calling XXXX  agent I find out that my claim was not ruled in my favor! After the agent looks into the claim we find out whoever the XXXX agent who submitted the claim made critical errors. He included a XXXX charge from XX/XX/XXXX and a few other small charges from a XXXX. These charges were never talked about in my initial claim when we went by each charge line by line. The agent tells me this is probably why claim did not go in my favor. So they now have to reopen the claim which could last up to 45 days for resolution. He files an official complaint on my behalf stating that it was an error on their end! Now I am out the {$600.00} plus overdraft fees that they charged me and no timetable for when my money will be refunded! They have now put me in an even worse position than the thief did in the first place! They tell me that they can not issue a credit for the charges while the claim is being reopened. Absolutely unacceptable customer service and now I am paying for their mistake and am out the money for who knows how long until resolution of the reopened claim!
Product: Mortgage

On XX/XX/19 XXXX XXXX XXXX ( XXXX XXXX ), a Home Mortgage Consultant from Wells Fargo ran a hard pull on my credit without consent. I never was aware and did not sign anything. There was a conversation in which I was simply asking him what the process was and he said he would ask me a few questions and then he would run numbers that made sense for a mortgage. I asked him to not run a hard pull knowing that I needed to protect my credit rating and those affect the rating. 
During a phone call on XX/XX/19 I discovered that he did in fact make a hard rather than soft credit pull and I was furious. Not ready for the process, I was simply asking him about next steps and he has now put me in a terrible position by not authorizing this. 

I now am ready to shop lenders and the date XXXX did this is now outside of the timeframe that multiple mortgage pulls are allowed without negative consequences. I will be also filing a complaint with all 3 credit bureaus with the intent to have this removed. 
In addition to this, XXXX XXXX advised me to try and help my credit report by applying for a loan to help pay down my credit cards. I have come to find out this is exactly the opposite of what someone should do. 
When I asked that he close my account he responded that he did not have to. He called me and I told him I wanted him to. After 2 more emails of telling him I wanted it closed, he said that he did however, I did not receive any other confirmation of this besides his email which stated " It been cancel Have a great weekend and if you need anything please let me know. '' This man has terrible judgement and quite frankly took advantage of my naivet. He does not seem to be an ethical man and I want this removed from my credit report and consequences given to him for his actions. 
Here is his information : XXXX XXXX Home Mortgage Consultant XXXX ID XXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX XXXX XXXX Tel XXXX | Cell XXXX | eFax XXXX XXXX | XXXX : XXXX
Product: Debt collection

I received a garnishment email from my employer on XX/XX/XXXX, never knew about this. Apparently this loan was taken out in XXXX, with no attempt to contact me after XXXX debt collector states they attempted to send me docs, but all were " sent '' to an address i have not been at since XXXX. My concern is that my addresses have been kept up to date with the state, and why after XXXX no attempt to contact me or collect, i then get a 4 day notice and have XXXX dollars garnished from my check. i never had a chance to dispute this case or even come up with payment arraignments. i then contacted the attorneys office that was handling this case and they said they would reduce the cost to 15 %, that never happened. I am now in a position where I dont have enough income to pay my rent,
Product: Student loan

My loans are now serviced by Navient and I noticed just recently that the loan disbursement dates they have listed do not match the time I was in school and the loans are owned by another bank. I would like a full inquiry on the loans they are servicing. they show a date of XXXX for the distribution but I did no attend school in XXXX we moved from XXXX to XXXX in XXXX. the disbursements should be XXXX and or XXXX. I requested full validation of the account will all payments made to them and the previous servicer. my balance just keeps getting higher.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Inquiry - XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This letter formally disputes an inquiry on my credit report from XXXX XXXX XXXX XXXX. I have not authorized this inquiry and believe it to be fraudulent. I request that this unauthorized inquiry be immediately removed from my credit report pursuant to 15 U.S. Code 1681, which addresses identity theft issues. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under Basic Right of US Citizen. I need to have accurate information on each and every line same on 3 credit report agencies. 

To make your job easier. I have attached everything that is incorrect. This all information to deleted in 15 days. on 31 day, I will Sue all credit report agencies. Delete and send me copy of report to house address.