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

The XXXX XXXX XXXX This company ran a criminal background check on for employer XXXX XXXX : XXXX ( FL ) XXXX ( BILLCODE : XXXX ). However, there are some incorrect information was on background. The report also contain information on XXXX XXXX, which is not me and is not connect with me in anyway. The review following information below that is incorrect : Report requested on : XX/XX/2018 Report completed on : XX/XX/2018 Case Comments : Limitations on the DOJ 50 State XXXX XXXX search. 1.  NEVADA : This search does not provide results from the State of Nevada, as by both statute and regulation, information from the Nevada XXXX XXXX Registry web site can not be used for employment purposes and can not be distributed commercially. 
2. OREGON : This search has special conditions from the state of Oregon. Information is only provided for XXXX XXXX who have been designated as XXXX, as provided in ORS 181.585, who have been determined to present the highest risk of reoffending and to require the widest range of notification or are found to be a XXXX XXXX XXXX offender under ORS 144.635. 
*** CONFIDENTIAL BACKGROUND SCREENING REPORT *** ( INFORMATION CONTAINED IN THIS REPORT IS PUBLISHED IN ACCORDANCE WITH FEDERAL AND FL STATE LAWS ) REPORT SUMMARY COMPONENT IDENTIFIERS STATUS RESULT SSN Trace XXXX Complete Complete County Criminal Record XXXX, XXXX XXXX, FL-XXXX Complete Level1 State Criminal Repository XXXX, XXXX XXXX, FL-Florida Department of Law Enforcement Complete Level1 State Criminal Repository XXXX, XXXX XXXX, FL-Florida Department of Law Enforcement Complete Level1 Office of Foreign Assets Control XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Clear Office of Foreign Assets Control XXXX, XXXX XXXX Complete Clear DOJ XXXX XXXX Search XXXX, XXXX XXXX   Complete Level1 DOJ XXXX XXXX Search XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Level1 Enhanced Nationwide Criminal Search XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Complete Enhanced Nationwide Criminal Search XXXX, XXXX XXXX Complete Cl
Product: Checking or savings account

On XX/XX/XXXX a transaction came out of my account for the amount of {$950.00} and the description said USPS XXXX XXXX. I immediately contacted Bank of America and reported Fraud and closed the check card used. The bank issued a temporary credit and told me they would start the Fraud claim process. They said people can make copies of you check card and get the pin number with machines at gas stations, etc. I received a notice from Bank of America stating the claim had been resolved and they are stating I made the purchase. I immediately called and asked them to reinvestigate as I did not make the purchase. I asked if they pulled the surveillance tape and they stated they can not do that. The only reason given for denying the claim was because I made a purchase the same day at XXXX XXXX ( the cafeteria in the building I work it ) the same day and since that was also in XXXX, VA I must have made the purchase at the XXXX XXXX. The guy I spoke with that day said he would update my file with this new information that I work at XXXX XXXX in XXXX, VA and they would investigate further. He said I would get a call from the investigator. That call never came and on XX/XX/XXXX they took the temporary credit out of my account causing overdrafts and closed the claim. I contacted them again and gave them the Police Report number ( XXXX County # XXXX ) ( XXXX XXXX # XXXX ) and also advised them that I file a fraud investigation with the XXXX Inspector. I explained that I am a single mom with XXXX kids I support on my own and that they took more than half my paycheck. They told me they would not have a decision regarding reopening the claim until XX/XX/XXXX. That is my next payday. I have no funds at this time and I did not make the purchase. I asked for another temporary credit and they refused. I explained that I live in XXXX, VA and drive an hour to work each day. That I pass 4 post offices on the way and that to go to the XXXX XXXX XXXX location I would be going another 30 minutes out of my way in the wrong direction. I also stated I eat at the XXXX daily and work XXXX to XXXX Monday through Friday and asked when the purchase was made ( they could not give me a time ) because I could provide my timesheets showing when I am at work. I also pointed out that on my bank statements you can see the XXXX XXXX I get gas from proving I live an hour away from XXXX. It is now XX/XX/XXXX and I still have not received any credit for the {$950.00} or the overdraft fees incurred due to them denying this claim under what I believe was a very minimum investigation. How can they even claim I made a purchase without pulling the surveillance and seeing FOR POSITIVE if it was in fact me in the post office that day. I need my money back. I do not have this kind of money to just lose and I do not think they have tried at all to help me.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$99.00} XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$130.00} XXXX  XXXX Balance {$3100.00} ONEMAIN XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was informed months before getting a mortgage that I would need to take care of some issues on my credit report to bring my scores up so that I can qualify for a mortgage. That was in XX/XX/XXXX. I did as I was asked. I received a call from my mortgage broker stating that my scores went up and I was ready to look for homes and get my mortgage. XXXX XXXX my mortgage broker got a realtor for me, and I found a home and was told that the underwriter would approve a loan faster if I get a single-family home instead of a manufactured home which I wanted. I did as I was advised by my realtor and mortgage broker. I found a home and the home appraised higher than was thought. The underwriters and mortgage broker had me give many documents and I did as I was asked. I was also asked to come up with a certain amount of money for closing costs. I did that. I was even asked if I had a 401k and I stated I did. I was informed in order for us to close on the loan I would need a certain amount of money and the seller will be paying some closing costs. I pulled the money from my 401k. We had 3 closing dates and each day of closing there was another excuse, but everything that was asked of me I provided. At the last potential closing date because we had asked for an extension from the seller and was granted the extension, I was told the loan did not go through because of student loans which happened to be untrue. When I called the mortgage broker on the fact that it was not true and sent the documentation. I was then told it was due to late payments on a paid off vehicle. I explained I was late in XXXX and it was paid off but why are they mentioning that now when the loan had already been approved at this time. I did not take out loans or made any big purchases which I was told that would be the only things to not let the loan go through at this time. I had already given my complex my move out date, cancelled my cruise because we were closing too close to my vacation, so I lost my money for my cruise because we did not close on time. And needless to say, after all of this I was told no home for me the loan is not going through. Goodbye. I sent messages regarding the information was not correct and that I can try to get my daughter to help me which she refused to put her name on the loan. I was then met with no more responses from the mortgage company or broker. I was truly mistreated, misrepresented, lied to and I feel maybe discriminated against. I lost money, my new home, and for the mortgage company using so many banks or underwriters, my score went down drastically. I have the proof of how many times they pulled my credit which were hard pulls, along with emails, mortgage documents, homeowners ' insurance, title, inspections, appraisals, and many more documents. I need help please.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

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

I am a Military Vet with over 10 years service to my country. I became XXXX  in 2016 for over 4 years. As such I lost most of my documents. I have recently become settled and in the last year I have been trying to resolve these fraudulent account issues with the following debt collection agencies. These accounts I did not open and their presence on my Credit Report has made it almost impossible to take care of my children and my family during this Pandemic. I also reported it to the Police and they advised me that I should make a report to CFPB. The below mentioned companies have not been able to provide me with either my Social Security number or my signature as proof that I have opened these accounts. Neither will I provide it to them as I no longer believe that it is safe to do so. 

XXXX XXXX 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: Credit reporting or other personal consumer reports

GMC financial placed a the auditory mark on my credit for a late payment when payment was paid before 30 days of being late.I have proof that it was paid and GMC will not provide proof that it wasnt made.They have refused to answer my concerns and have even laughed at me when asking to speak with a manager.
Product: Debt collection

I got a call from a debt collector a person named XXXX from XXXX something their phone number is XXXX. She left a voicemail saying she was calling about a debt for XXXX XXXX. That person is not me and I have already called and told this company not to call me. That person is my ex husbands brother. I do not want to be called. When I called back the person on the phone was very nasty with me. I told her she is not allowed by law to leave a voicemail about someone elses debt on my phone and she told me I dont know the law. Someone needs to shut this company down they are rude and probably a scammer bc they do not seem very professional.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Mortgage

On XX/XX/2015 Chase raised my interest rate on a RATED LOCK that I had had for a long time. I was not notified about this by mail or phone. I would have NOT noticed it except that my interest seemed higher even though I was making large payment reductions. I was told last week by Chase that I had phoned in a request to UNLOCK my rate. I did not phone in and request that they UNLOCK my rate so Chase could charge me more interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX   XXXX   XXXX  accounts reporting on my   XXXX   XXXX   and Equifax reports.  XXXX  ends in  XXXX  and the other ends in  XXXX . Over the past year, I have disputed the validity of these accounts multiple times. These disputes should be available in your database. Each time I 'd submit the dispute, I received some silly letter from  XXXX   XXXX  saying, " We received your dispute, but most of the time when we receive disputes, they 're either the result of an error or other mistake, so we are n't taking your dispute seriously. '' Finally in  XXXX   XXXX , I was able to get  XXXX   XXXX  to investigate the accounts.     FCRA states that when an account is in dispute, the lender  MAY NOT report the account as delinquent or demand that the  amount owed be paid until the lender completes its investigation into the matter. If the lender determines the balance owed to be legitimately owed, the lender must give the customer sufficient time -- usually 30 days -- to make payment on the amount owed. Even though I disputed these accounts countless times,  XXXX   XXXX  continued to report them as delinquent. When  XXXX   XXXX  received my dispute and actually paid attention to it, they still continued to report my accounts as delinquent despite the fact that the entire amount owed was in dispute. On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX ,  XXXX   XXXX , and 60 days delinquent in  XXXX   XXXX , 90 days delinquent in  XXXX   XXXX  and then 30 days delinquent in  XXXX   XXXX . On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX  -- again, the time of the dispute. These were the times I was disputing this account with  XXXX   XXXX . As soon as  XXXX   XXXX  informed me of the legitimacy of the account/charges, I promptly paid the account.     I have contacted  XXXX   XXXX  about this, explained that they were not to have reported my accounts as delinquent while they were in dispute, but they refuse to make the correction to my credit report. By refusing to correct this,  XXXX   XXXX  is violating the provisions of the FCRA. My final recourse is to ask   XXXX   XXXX   and Equifax to make these corrections.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Contract Related to this account has been canceled, NO CONTRACT, Please provide any documentation containing my signature that shows i am under contract for the debt, Being that the account was transferred to another lender please provide any agreement between the original creditor and new lender or collection company
Product: Debt collection

this bill was to go through my health insurance. I contacted the company MANY times with NO response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a Wells Fargo credit card on Wells Fargo website. 

One of the questions on the application was related to citizenship. I am not a XXXX XXXX, I am working in US on a XXXX XXXX. 

After submitting the application, a hard pull was made. A few days later a letter was sent to me saying I was required to send over a copy of my social security card. I have faxed them the details on Friday, XX/XX/XXXX. 

When I called Wells Fargo today ( Monday, XX/XX/XXXX ) to inquire about my status they have mentioned that the application was declined as I was not a XXXX XXXX. 

This information was already known from my application form wherein I had mentioned that I was a XXXX XXXX, but not a XXXX XXXX. 

Why was my credit history pulled when it was already known that I was not a XXXX XXXX? 

Wells Fargo application number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 & XX/XX/2020 XXXX disputes were submitted to Experian with no response from the credit bureau. I called today XX/XX/2020 and they have no record of receiving these letters. I have attached the tracking from the certified mail sent both times saying it was delivered. I have attached the dispute letter as well.
Product: Credit reporting or other personal consumer reports

You are in direct violation of the fair credit reporting act ( Account XXXX... XXXX XXXX XXXX .... Account # XXXX ) .. Has violated several of my rights.. 
15 u.s.c. 1681 section 602 A. Clearly states that I have the rights to privacy..

15 u.s.c. 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.. 15 u.s.c 1666B.. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date, Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I reached out to ( XX/XX/XXXX ) about a closed account on my credit report.i spoke to two different women that didn't know anything about it.i spoke to a supervisor and explain I closed the account and the manager who closed my account.i was informed to go back to the location and show them the letter but the manager knew me and said my account was closed.i ask for more proof and was told he couldn't give me any since the account show closed.i call and spoke to another supervisor on the phone and explain what happen.i got a call two weeks later from a female attorney asking me how can we handle it because there was a lawsuit pending.i ask for her to remove it from my credit report and send me information that it was removed.she said okay.three weeks later I recieved a check for $ XXXXnever got anything in the mail.i contacted experience and explain the same thing.i was told it would be removed from my report in XXXX also ask to send me documenting of it being removed.they never respond back.i called again on XXXX was told it would be removed and I would recieve a letter of it removed and a copy of my credit score.i never recieve it.
Product: Checking or savings account

I made 2 withdrawals from a Santander. Bank ATM in XXXX MA XXXX store ( has their logo on it and is verified as theirs ) on XX/XX/ Tuesday. I withdrew {$400.00} and {$60.00}. This indeed came out of my checking account with this bank Santander. {$260.00} of that amount was fine. {$200.00} of that money was deemed counterfeit by XXXX XXXX XXXX on XXXX XXXX XXXX XXXX MA XXXX on XX/XX/XXXX. I am now out {$200.00} because that money that was disbursed by this bank 's ATM vendor ( their vendor so their issue to assist me ) was taken out of my account but is not valid money. This is not my fault and is not fair as I never filed this claim prior to all my years banking so I am not trying to scam or get money that isn't mine. To get this rectified, I called Santander Bank customer service ( 2 hours of working with them ) on XX/XX/XXXX. They opened claim XXXX. I called back on XX/XX/XXXX to check status. Find out it is denied. Have this escalated with customer service rep XXXX this day, he expedites and escalates to his manager XXXX in claims who is working with manager of Investigations team. New claim number is XXXX. Call back to check status XX/XX/XXXX. Find out denied again. Work with XXXX in claims again XX/XX/XXXX under claim XXXX for this same issue. I advised if they can not assist me, I will be moving all my accounts to a local credit union ( my checkings account, my credit card that I paid off with Santander, my husband 's account ). I am a good person with a good record. I am a hardworking tax paying citizen. I always want to do what is right and I never have tried to harm or scam anyone in my life. My past will show this, my bank records show this. I am not asking for anything back that is unreasonable. I just want the money that was counterfeit because it was taken out of my account.