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 XXXX  ( XXXX ) 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 XXXX  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 XXXX XXXX, you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I've requested a mortgage modification and submitted financials several times because of being laid off from several employers. My mortgage company Freedom mortgage has been unwilling to work with me and process my modification request. I recently secured full time employment.and I want to keep my home. The state of Tennessee requires the homeowner receive a 30 day notice prior to the property foreclosure sale per the Tennessee law. The letter from the attorney is dated XX/XX/2018 and I received the correspondence XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made inquiries into my consumer credit profile without my consent and without my authorization. I have disputed these fraudulent inquiries with the consumer credit reporting agencies, experian & XXXX but those agencies have not proven the validity of these inquires. I have also contacted the fraud departments of both agencies with zero progress made to remove these inquires. 


Experian XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX EXPERIAN XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX & Experian XXXX XX/XX/2021 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has the wrong name and address for my credit report, I have moved twice and been married. My name is changed with social security, credit cards, bank, etc and has been for several years. I am trying to get a mortgage, and this incorrect info on the report is preventing my family from being approved, and could possibly kill our deal. Equifax through over 20 different conversations with their call center has given us multiple different instructions on how to resolve this issue, turns out the only way is by mail or by fax. The only way to correct my personal information is with copies of my social security card, DL, marriage certificate, etc all faxed to their call centers in either XXXX or XXXX XXXX. This is exposing my sensitive information via a very unsecure method ( fax ) to potential identity theft scenario. Both other credit rating agencies have my correct information and we never contacted them. Equifax claims that if I wanted the info updated since I turned XXXX in XX/XX/XXXX, I should have done this years ago and that it is my responsibility to let them know of every life change. I believe this is an unfair and unethical practice. I also believe that if I want my personal information changed that I should be able to do it via phone or online ( it is XX/XX/XXXX ). This is totally unexpected and as a result we are unable procure funding for our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX and Transunion to verify the information being reported to the credit bureaus concerning an account with XXXXXXXX XXXX I have sent them out letters XX/XX/XXXX and i have also send them letters XX/XX/XXXX giving them 10 days to cure the situation. I have sent them copies on my utility bill, social government ID. It is now XX/XX/XXXX and I have not been contacted via phone, mail or any other form of communication and these accounts are unverified and are still being reported and effecting my credit score. I have been more than patient and at this point I am more than frustrated. This is stopping me from starting my business and receiving the proper resources to do so.
Product: Student loan

I called Navient on XXXX/XXXX/2016 to put my private student signature loans on forbearance because of unemployment and was told to call on XXXX/XXXX/2016 - five days after the due date for the student XXXX loans. I called today ( XXXX/XXXX/2016 ) and the woman who first helped me put me on hold and the call was dropped after 5 minutes. I call back and got a man who said my loans were up-to-date and I did n't need to request a forbearance until the XXXX. I told him that I wanted to do it because it 's pass the due date and I see payments were coming due. Then all of a sudden, the call disconnected.
Product: Bank account or service

Wells Fargo bank got A direct deposit from XXXX of {$730.00} of XXXX XXXX XXXX XXXX and the bank closed her account and refused to give XXXX XXXX her Money at XXXX of there banks on Thursday XXXX XXXX 2015 as far as we know they still have the Money. XXXX XXXX XXXX XXXX, XXXX -- XXXX -- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I went to the bank to apply for a loan to expand my business and I was made aware that I had accounts that were not in good conditions for any lending loans. I do not have any beneficial interest in these accounts nor did I sign my signature for them, Please remove them immediately from my credit files ''.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit card

Review the attached documents. I ask the bureau to commence an inquiry into these accounts, as I am never late with payments, yet they are inaccurately marked as such.
Product: Vehicle loan or lease

I applied for an auto loan financing from XXXX XXXX, the terms proposed were violation of Truth in Lending Act ( TILA ) and Predatory Lending Practices. I was communicated to by the application source XXXX XXXX finance agent to provide approximately 50 % of the value of the car {$32000.00} of the loan to meet the conditions by Global Lending Service. My application for consumer credit was the collateral security for the auto loan. 
My credit score was impacted, I have nothing to show and which caused further strain on my family.

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly, gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

15 U.S. Code 1662 ( b ) -That a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 

15 U.S. Code 1681n - Civil liability for willful noncompliance Global Lending Service willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer and is liable to that consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}
Product: Credit card or prepaid card

On XX/XX/21, I discovered a {$5000.00} unauthorized cash advance was made on my Wells Fargo credit card ending in XXXX. At approximately XXXX XXXX. on XX/XX/21, there were no other cash advances listed or pending, and after reporting it to Wells Fargo, this card was closed. A new credit card was issued. 
On XX/XX/21, I went to a Wells Fargo branch office, and discovered that my savings account ending in XXXX had received the {$5000.00} from the credit card, and then unauthorized XXXX transfers of this amount going to an individual unknown to me had been made. This savings account was closed. 
On XX/XX/21, I went to the same branch, and reported that an additional unauthorized cash advance of {$5000.00} was taken from my closed credit card ending in XXXX. This money was deposited into my new savings account ending in XXXX, and then {$5000.00} was transferred with XXXX to the same unknown individual. 
On XX/XX/21, the Wells Fargo online fraud unit concluded that I, or someone I authorized, committed the above mentioned felonies. I did not. 
On XX/XX/21, XXXX XXXX from the Wells Fargo XXXX unit, stated that I had been a victim of online fraud, and that there were various attempts from XXXX, XXXX, and XXXX to access my account. She had gone over my history, and determined I had never taken a cash advance or used the XXXX system. 
My complaint is that Wells Fargo did not properly monitor my accounts, and allowed subsequent fraudulent transactions to be made after I made my initial complaint to them. 
I would like this to be resolved because my credit card is still showing that I owe {$10000.00}, which includes the two withdrawals, fees and interest. 
I have had a checking account with this bank for 26 years, and find this treatment outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have first noticed by Bank of America about my fraud transaction and call the fraud department and the gentleman from the fraud department said someone already uses my credit card for over {$2000.00}, even it shows the decline and the gentleman closes my credit card and will file a fraud claim. I have reported to the Bank of America fraud department about my fraud transaction and the amount is {$430.00}. Credit card fraud claim denied for some reason. I want them to refund my fraud Amount of {$430.00}.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX : Account number XXXX. XXXX XXXX : Account number XXXX. XXXX XXXXXXXX Account number XXXX have violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are not supposed to 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: Mortgage

Selene Finance company is very hard to communicate with. I have called on several dates in XXXX, XXXX and now XX/XX/XXXX to get help. Selene does not have a direct customer service line. An individual has to go through many calls to various prompts that do not result in a customer service line to a person. I have even been given a prompt of the number 8, that does not work anywhere. Then I applied to the XXXX XXXX XXXX XXXX 2 times now and have been denied due to my being scared of foreclosure while waiting for them to respond. There is nothing that says that my delinquency must be maintained for months beyond what I applied for without any payments being made. 

My situation is that I am behind on my mortgage due to a sudden reduction on my income sources and I need to get some help while I bring my income back up. My main sources decreased. My child support was cut off entirely without any notification and the company that I work with changed how it does business and our payment structure that has left me reeling and back peddling to pay bills. In addition, I have had multiple bank mishaps this year, with the XXXX XXXX failure and compromised account on another. 

I need to contact them to verbally speak with my Loss Mitigation Specialist : XXXX XXXX, but the only number to call is the same one that does not connect to people. Please help me get some resolve. I do not wish to lose my home and the HAF program keeps refusing me because I was afraid of foreclosure and borrowed money from my children to pay XXXX payments in XXXX to bring the mortgage to 2 payments past and not 3, which would mean foreclosure will start. I am being denied because I did that when the rules that I read state that I must have been past due prior to XX/XX/2023.
Product: Debt collection

There is a collection bill on my XXXX  credit report from Choice Recovery since XXXX. This charge is actually for my ex husband, XXXX XXXX XXXX. I did not accompany XXXX to his XXXX visit, neither did I sign or agree to take responsibility for this charge. I started in XX/XX/XXXX disputing this with Choice Recovery advising them of this. On numerous occasions by phone, written correspondence & via their website u have requested that Chouce Recovery provide a copy of the invoice to prove that this service was for me. As if today, XX/XX/XXXX, they have not complied with my request. I asked that if they could not prove this charge was my responsibility to remove this collection account from my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

this XXXX XXXX at XXXX is claiming i opened the account i have her inforamtion and im about to file suit against that lady in XXXX and XXXX i never opened this account i was in XXXX till XX/XX/XXXX and was in a XXXX XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX with a XXXX XXXX couldnt leave my work and was in XXXX 45 mins from this dealership she needs to investigate properly and remove this account shes XXXX XXXX and she called me a XXXX XXXX and a XXXX XXXX when i called her two weeks ago told me im not american i was born in this country and i served this country in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent Inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to express my concern and dissatisfaction with the refusal of the XXXX major credit bureausXXXX  XXXX, and XXXX remove hard inquiries from my credit report that I believe were made in error or without my authorization. 

Despite following the proper dispute process through these credit bureaus, they have maintained the presence of these inquiries on my report, which is negatively affecting my XXXX XXXX and overall financial health. 

Here is a summary of the situation : Date of Dispute : [ Date you filed the initial dispute ] Credit Bureaus Involved : XXXX, XXXX, XXXX Hard Inquiries in Dispute : Creditor/Company Name with XXXX are XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reason for Dispute : " I did not authorize this credit check, '' or " I was not informed that this would result in a hard inquiry. '' ] I have followed all the necessary steps, including submitting a dispute to the credit bureaus with the required documentation, but have yet to receive a satisfactory resolution. These inquiries continue to impact my credit report, and I believe they violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Given the situation, I respectfully request the FTC 's assistance in investigating this matter. I am requesting that the unauthorized hard inquiries be removed from my credit report immediately. If the credit bureaus continue to refuse this request, I would appreciate your guidance on further steps I can take to rectify this issue. 

Thank you for your attention to this matter. Please let me know if you require any further information from me to proceed with your investigation. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My husband and I recently joined bank accounts. The Ally vehicle loan auto payment still came out of my husband 's old account on XX/XX/2018. The email thanked us for our payment of {$580.00}, so we assumed that we paid in full. The following day, XX/XX/2018, we received another email thanking us for our payment of {$570.00}. So, we received two emails stating that we were paid in full for the month of XX/XX/XXXX. It wasn't until over one month later, on XX/XX/2018, that another email was sent stating that our " vehicle payment scheduled for XX/XX/18 was returned. '' The old account that the auto payment drew from had insufficient funds because it was no longer in use, due to my husband being added to my account as a joint account. Now, my husband 's credit has taken a major hit because this was considered a 30-day late payment. However, Ally did not notify us of this until almost 6 weeks after the fact. Instead, we were told on two separate emails that we were paid in full. If we had been notified immediately, we could have paid this in full immediately, and our payment would never have been considered late. My husband and I have been paying on this vehicle loan through Ally for over 4 years now, and have never been late on a payment. 

Because we are in the midst of buying our first home, we need a letter from Ally stating that our account has been " paid as agreed. '' We close on this home on XX/XX/2018 -- in just one week. If we do not receive this letter, and give it to our Home Loan Officer immediately, we will not be able to go forward with the loan for this house, and will lose this opportunity. We have spoken to numerous Customer Service Specialists and they have now submitted our request twice, and have marked it " urgent '' twice. Every time we check the status, we are told it is still " pending '' and given no further answers. Ally failed to notify us of our late payment until 6 weeks after the fact, which is considered fraudulent behavior -- they never gave us the opportunity to correct their mistake. We requested on multiple occasions that Ally send us a formal letter, on their letter head, referencing our account #, stating that we are " paid as agreed '' by XX/XX/18 -- which they failed to do. This letter needed to be sent via fax to XXXX XXXX XXXX at XXXX XXXX XXXX. 

My husband and I have both been calling Ally separately for weeks now. He has called at least on 4 separate occasions. Due to a lack of help, I began calling -- I called on XX/XX/18 twice and they finally stated that someone from the Executive Customer Relations Department would be contacting us within 48 hours. I also faxed over a cover letter on XX/XX/18 stating the information listed above in addition to the emails we received. They did not contact us until XX/XX/18, and unfortunately we missed their call. I called back this same day and left a detailed message. My husband called yesterday, XX/XX/18 and left a detailed message. I called today, XX/XX/18, and left another detailed message, with no response.