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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the civil liability claim for negligence referenced as XXXX XXXX. After reviewing the claim and associated documentation, I believe that the determination of liability is unjust and does not reflect the actual circumstances of the event in question. Below are the key points of my dispute : Factual Discrepancies : The claim alleges that my actions were negligent, but the circumstances surrounding the event are not accurately represented. [ Provide a brief summary of the facts from your perspective, including any evidence or witnesses that support your position. ] Absence of Negligence : It is my belief that the incident occurred without negligence on my part. [ Explain why you believe the incident was not caused by your negligence, providing any supporting evidence, such as safety measures you took, adherence to procedures, or lack of a duty of care. ] Mitigating Factors : Additionally, there are mitigating factors that must be considered, including [ mention any factors that reduce or eliminate your liability, such as weather conditions, unforeseeable events, or actions taken to prevent harm. ] Inadequate Documentation : The evidence provided does not substantiate the claim of negligence. [ If applicable, explain any gaps or inconsistencies in the documentation provided by the claimant. ] Given these points, I respectfully request that this claim be reviewed and reconsidered. I am open to discussing this matter further and am happy to provide additional evidence or clarification as needed. 

Please confirm the receipt of this letter and advise on the next steps in resolving this dispute. I look forward to a prompt and fair resolution of this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope everything is going smoothly for you. I'm just writing to let you know that my credit report contains a number of inconsistencies. 

I won't go all legal on you, but I am aware that I have the option to ask for a new copy of my credit report that contains the updated information. Please do that for me ; I'd appreciate it. I appreciate you reading this and your time.

I have to admit that I am anxious about everything. It's as if you think everything is fine with your finances one minute, and then, bam, you find out that your credit report contains errors. You know, it's not a good feeling ; it feels like you've been hearing bad news all day. It's just a little unexpected, and it's made me defensive.

I'm not only shocked, but I'm also worried about what this might imply for my future. Inaccurate or incorrect information on a credit report is equivalent to receiving an F in math when you know you're an A student, since credit reports are like financial report cards. To put it mildly, it's disturbing, and it has me pondering how this may affect my future behavior.

My credit report should, in the end, accurately reflect my financial situation, is all I really want. Having this inaccurate data floating around feels like a huge knot in the system for me as an average person trying to keep my financial ducks in a row. I'm depending on you to help me set the record straight. 

Again, I want to thank you for looking into this for me. I'm hoping we can resolve this so I can stop worrying about it. 

I'm hoping to hear from you soon.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding unauthorized hard inquiries on my credit report from XXXX XXXX XXXX and XXXX  XXXX XXXX ( XXXX XXXX  XXXX ). These inquiries were not authorized by me and are negatively affecting my credit score. 

Details of the Unauthorized Hard Inquiries : XXXX XXXX XXXX Inquiry Date : [ XXXX ] XXXX  XXXX XXXX ( XXXX XXXX  XXXX ) Inquiry Date : [ XXXX ] According to the Fair Credit Reporting Act ( FCRA ), only inquiries that I have explicitly approved should be included on my credit report. I have contacted Experian to dispute these inquiries, but they remain unresolved.

I kindly request that the CFPB investigate this matter to ensure compliance with the FCRA and the accuracy of my credit report.

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had no luck obtaining my free annual credit report from all three credit reporting agencies. I am respectfully requesting these copies through the CFPB as a middle third party to see that my request is sincere. Thank you.
Product: Mortgage

We were one of the 1000s of home owners that were unfairly denied a loan modification by Wells Fargo during the financial crisis that started in XXXX and went thru XXXX. 

We paid a {$6000.00} fee to get the loan modification only it never happened and were not given a reason why Wells Fargo has been ordered to pay home owners a settlement and that they said they have contacted/paid a settlement to most that have been affected, but we have not received any correspondence from them at all
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

Citibank best buy has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the XXXX credit XXXX XXXX Citibank hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the XXXX. 

The payment was withheld regarding the disputed amount pursuant to the XXXX credit XXXX XXXX. 

In Or Around XX/XX/XXXX, Citibank issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section XXXX of FCRA, the XXXX XXXX and XXXX released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.
Product: Debt collection

In XX/XX/2011, I developed a XXXX and found myself in numerous XXXX. In every case, I asked if I would be held responsible any costs of treatment. I was told that I would not be liable for medical services, the main importance was that I receive the proper medical care for my XXXX XXXX. I just discovered that those hospital visits have been deferred to eleven collections agencies. My credit score is now terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Complaint Description : XXXX $ new account checking and savings bonus under " summer blitz promotion 2020 '' has not yet been received. On XX/XX/2020 ; a new BBVA checking account and savings account package were opened in response to a " summer blitz promotion 2020 '' offer, whereby a XXXX $ bonus would be issued within 90 days after receiving direct deposits worth XXXX into the checking account, and an additional XXXX $ would be received after depositing and maintaining XXXX in the savings account. Both of these requirements have been completed : BBVA has been and is still receiving direct deposits since XX/XX/2020 ( the XXXX requirement was completed on XX/XX/XXXX ) and have received much more than the XXXX required, and the XXXX deposit into the savings was completed on XX/XX/2020, and its now well over 90 days. As such, BBVA is supposed to pay out the XXXX $ bonus to us. We contacted BBVA 2 weeks ago and spoke with customer service, however we just kept getting transferred between representatives with no resolution.
Product: Checking or savings account

I got a letter dated on XX/XX/XXXX from Bank of America stating that they closed my account ( I never had a checking or savings account with bank of America ), I tried to call them but I couldn't reach to anyone to talk to because the letter only had that last 4 digit number of the account, but today XX/XX/XXXX I got another letter with a XXXX balance but it had the account number, when I called Bank of America ( fraud Department ), they told me the closed the account because of fraudulent suspicion, and the asked me to report it to FTC.
Product: Mortgage

In XX/XX/2019 I was pre-approved for a home loan with JG Wentworth. XX/XX/XXXX I contacted XXXX XXXX with JG Wentworth to inform him that an offer had been accepted in a home. I proceeded to provide him with all the necessary information. I paid {$550.00} for an appraisal and was told it would be credited back at closing. After I was told the file had been submitted to underwriting late XXXX, I received no follow up or return phone calls inquiring about my status. Finally I copied XXXX XXXX colleague, XXXX XXXX and received a response of " that loan was denied. ". I asked for more information and received no response or phone calls. I am working with a new lender and have requested a copy of my appraisal as promised a month ago. I have yet to receive a response.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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 reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I was told by Venmo customer service that the reason my dispute was denied was because they stated they seen the transactions that ARE unauthorized were made more than once at the same merchant etc. I again did not make any of said transactions and need my money back that is MINE.
Product: Money transfer, virtual currency, or money service

I have transferred an amount of money to my brother in XXXX, XXXX for medical expenses through " MoneyGram '' on XXXX XXXX, 2022, and was promised to be available in a few minutes or in the same day, but in fact, all MoneyGram locations in the city ( XXXX, XXXX ) says there is an issue for receiving transfers from " MoneyGram '' and that is the status since XXXX weeks ago until today XXXX XXXX, 2022, my brother in XXXX not able to pick up or receive the amount of money transferred. 

Their customer service wasnt helpful in solving the issue, so I gave up on their service, and I am going to cancel the transaction, but they are not going to refund me the fees! which I have paid for a service that I haven't received! and in addition to that, they have caused harm by not delivering the amount as promised!
Product: Mortgage

I have been working with a NACA Mortgage Counselor since XX/XX/XXXX. They promote themselves as not relying on your credit score which is a complete fabrication. What do they think a credit score is comprised of ... well it's payment history ... payment behavior!! I knew going into this that I had late payments and some collections. However, the misguided  instructions I have followed have left me worse off that where I began. I was told I needed to pay off my auto loans because of the late payments. If the accounts were paid in full with documentation provided. He would send my file over to underwriting. I spent {$20000.00} paying off my auto loans in order to move forward in the mortgage process. Then around XX/XX/XXXX, I was told I needed to pay off three collection accounts before my file could be sent to underwriting. These are the same collection items that were on my credit report Day 1. I paid one of them off and sent documentation regarding the others. As of XX/XX/XXXX, the " Reviewer '' not underwriter said I would need to wait 6 months to show good payment history. Well what about alternative forms of credit ... ie. utilities, phone, cable, internet, car insurance, etc. They never once mentioned this and he told me that my rental payment history couldn't be used because " we can not do that in our program ''. Really that's not what's in their Home Buyer 's Workbook. I'm no out money that could've been used for a down payment on a traditional mortgage. I put in a notice with my landlord for XX/XX/XXXX because I completed at the end of XX/XX/XXXX what I was asked to do in order for my file to move forward to underwriting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I submitted an application to XXXX XXXX XXXX. Received an alert that an inquiry was also done by Wells Fargo. I did not authorize Wells Fargo to access my credit.
Product: Debt collection

My ex wife has claimed this debt with XXXX XXXX XXXX ( where the debt originated ) and also with Senex ( the debt collector ). Senex continues to attempt the collect the debt from me.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally request the immediate removal of an account listed on my credit report that is not only inaccurate but is currently involved in pending litigation. This account does not reflect the reality of my financial situation and is, in fact, a matter of legal dispute at this time. 

As you are likely aware, accounts involved in litigation should not be represented in the same manner as accounts that have been settled or closed. The inclusion of this account is both misleading and harmful to my credit report, and I am taking legal action to resolve the matter. Given the ongoing litigation, it is critical that this account be removed from my credit report immediately to prevent further harm to my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, Experian, and XXXX. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. After submitting identitytheft.gov affidavit more than 3 times- I still have no response. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including Experian, XXXX, and XXXX ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number sent Certified Mail Receipt from XXXX XXXX XXXX Experian XXXX XXXX XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM located at XXXX XXXX XXXX XXXX XXXX, MN XXXX Has been trying to collect on 2 alleged collections that they have placed on my CONSUMER REPORT WITHOUT MY CONSENT
Product: Debt collection

I allowed my subscription to the XXXX XXXX  to lapse. They had said they were switching to Autopay, but I never agreed to it choosing to let the subscription lapse instead. Without ever even sending me a bill, I started to get nasty telephone calls from someone who claimed to work for the XXXX demanding money. I finally blocked the number and they turned me over to A.R.M. Solutions asking for {$72.00}. I called the XXXX to contest it and they said they couldn't make it go away and suggested I pay them instead of the collection agency. I paid the amount in full on XX/XX/2018. 

Now I have received another bill from A.R.M. Solutions, for {$5.00}. No explanation of what it is for, but they sure do want my credit card number. 

I believe this is fraudulent and that they will continue to threaten me and send false bills to me if I comply. 

How do I get this to stop. My credit rating hovers around 830, so this isn't because I am a deadbeat.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me Incorrect Personal Information : Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX Fall XXXX XXXX XXXX XXXX XXXX Address : XXXX Old XXXX XXXX XXXX Experian XXXX Address : XXXX Steam Engine Way XXXX ( Equifax XXXX Address : XXXX Saint XXXX XXXX XXXX XXXX The following accounts have incorrect late status reporting : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$23000.00} XXXX XXXX ; Experian, Equifax XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$9800.00} ( TU ; Experian, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU ) There are several items reporting that does not belong to me. These items are a result of identity theft : FIRST PREMIER - Date Open : XXXX ; Bal : {$450.00} ( TU, Experian XXXX Equifax XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( Experian XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1000.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$620.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2400.00} ( TU ) VERICREDSOL - Santander Consumer XXXX - Date Open : XX/XX/XXXX ; Bal : {$9000.00} ( TU ) Eastern Account System - Gastroenterology Anesthesiologists XXXX - Date Open : XX/XX/XXXX ; Bal : {$270.00} ( Experian ) Midnight Velvet - Date Open : XX/XX/XXXX ; Bal : XXXX ( Experian XXXX Equifax XXXX The following Public Records are not my public records : XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy XXXX - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX The following are unauthorized inquiries : Fifth Third JPMCB Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, 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 of ( 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. These following accounts are fraudulent and need to be blocked and deleted..

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Date of inquiry XXXX XX/XX/XXXX According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!