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

I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Equifax that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
So, after all being said, I'm asking to remove all fraudulent inquires above immediately from my report.
Product: Mortgage

Please be advised that as of this writing and despite my repeated telephone requests to Freedom Mortgage for resolution, Homeowner 's Insurance for the above referenced property is expiring retroactive to XX/XX/19 for Freedom Mortgage 's failure to pay the required premium by XX/XX/19 as notified in attachment. We will therefore be without coverage as a result of Freedom Mortgage 's failure to pay in our behalf despite repeated requests and adequate funds in our escrow account for payment of such. In light of this and previous failures by Freedom Mortgage to execute their responsibilities in harmony with RESPA and TILA directives, I also submitted a Qualified Written Request and Notice of Error after multiple failed telephone requests in the past 30 days to correct this error and issue timely payment as requested by the Insurer.
Product: Credit card or prepaid card

XXXX Credit Card : Comenity Bank. 
This account was paid in full and closed in XX/XX/2022. Since the payoff and closure, this company has continued to charge fees amounting to {$150.00} on this account and refuses to reverse them, even though I paid 100 % of my balance and requested the account be closed. They are now reporting that I am 30 days late paying them to the credit bureaus without sending me a single statement explaining the fees or why I am being charged. This is fraud.
Product: Checking or savings account

Ive filed numerous claims via Wells Fargo and they have given me the absolute runaround through their customer services departments. 

On XX/XX/24 Wells Fargo denied my claims against me for XXXX dollars amounts of {$440.00} and {$170.00} which I was defrauded out of me by an independent merchant. I filed a claim within the time frame in hopes to get my money back. On XX/XX/24 Wells Fargo credited me {$440.00} and {$170.00} while they conduct there investigation. 

They recently made correspondence on XX/XX/24 with me saying theyve denied my claims for two separate reasons. For the dollar amount of {$170.00} they denied it for reasons transactions were authorized or that a processor error did not occur. As a result, on XX/XX/24 we will deduct the provisional credit of {$170.00} previously provided to you. For the claim of {$440.00} they used the excuse because we did not receive the information we requested from you, we based our decision on the information available. We have determined the transaction was authorized or that a processing error did not occur. As a result on XX/XX/24 we will deduct the provisional credit of {$440.00} previously provided to you. This is a clear indication that Wells Fargo did NOT die there due diligence and properly investigate my claims because on XX/XX/24 I specifically sent them a letter on my claim via email ( which I will attach below ). Not only that, there and mine call records show that I called them on XX/XX/24 and was sitting on the phone with them for numerous hours giving them a backstory of the money i was defrauded out of ( Which I will attach proof of below. ) Wells Fargo willingly and knowingly lied about not receiving information about the {$440.00} because I sent it to them via email AND sat with them for XXXX mins explaining my situation. Wells Fargo has sunk me negative XXXX dollars with little odds of me financially recovering from as I live paycheck to paycheck. Its imperative I receive this money back to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I filed for XXXX XXXX bankruptcy protection in the state of XXXX ( XXXX ). As part of the bankruptcy, a credit card account that I had with XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX was XXXX. Due to changed financial conditions, my bankruptcy was converted to a Chapter XXXX in XXXX and was XXXX as such. Despite being XXXX, XXXX continues reporting an unpaid balance on a closed card of {$7100.00} to all credit reporting agencies. When I contacted them in XXXX of XXXX regarding this, requesting that they remove the balance and properly report the account, they acknowledged by letter that the credit card had been a part of my bankruptcy, but they continued reporting the balance thereafter. Their reporting of a balance appears to be a violation of the FCRA and potentially the bankruptcy court 's injunction. The account should immediately be removed from all of my credit reports as the 10 year period for reporting under a Chapter XXXX has now lapsed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the end of XXXX XXXX of XXXX, I contacted Home Depot Credit Services for resolution to defaulted account with a balance of around {$700.00} at the time. I was effected by job loss and covid displacement and informed I was entitled to programs which would help for each circumstance and phase out this bill and keep from collections and negative reporting of my credit. I was informed after forgiveness of late fees associated with the account was granted and the new balance was {$420.00}. I was told this is where the covid relief plan implemented that day would take of this and the account would be closed and no longer usable. For over a year I never received any info the account was active, at one point the account was removed and closed with {$0.00} balance on my credit report before XX/XX/XXXX where it now shows as a collection of {$800.00}. I spoke to Home Depot and they have record by voice recording of these proceedings but " have no way of forwarding this to me or the collection agency and it is out of their hands. '' Citi bank states to have had the collection for over a year but never sent out any correspondence when the account was sold the same month I had it resolved. Being told " it's too late '' to do anything should be against the law, the representative of their company should be held accountable not my credit. I have been unable to secure housing based on the negative effects of this on my report.
Product: Mortgage

Seterus overpaid my XXXX taxes by {$660.00}. My county tax office refunded the overpayment on XXXX XXXX. There was NO change in my XXXX tax rate from XXXX. 

Seterus increased my XXXX mortgage by {$69.00}. I called Seterus tax dept. on XXXX XXXX, and after an hour and a half of discussion with Seterus tax and customer service was assured they would correct their mistake in 7-10 days. They assured me my escrow would be adjusted to the correct taxes. They could not explain WHY they overpaid my taxes in the first place!! 

My XXXX mortgage bill came in {$55.00} higher than normal. I called Seterus again today and was told my taxes STILL show as {$1300.00} DESPITE the fact that they NEVER received a bill from my county tax department for {$1300.00} and when they paid {$1300.00} instead of the bill which was {$640.00} the county tax people refunded Seterus the {$660.00}  overpayment. 

After another hour and a half on the phone the customer services rep said she will resubmit what had already been submitted but I would have to pay the increased mortgage rate AGAIN in XXXX. So far Seterus has effectively extorted {$120.00}. For a person who is XXXX on a very limited income this is equivalent to attempting to price me out of my home. 

Seterus made the mistake. Seterus received a refund in XXXX for their mistake. Seterus is still demanding an unsubstantiated increased mortgage amount from me. Seterus is still stalling saying they have to start a process all over that they promised last month would be resolved. 

When Seterus received a check for {$660.00} in XXXX from the County Tax Department that should have triggered an escrow analysis. County tax departments do not just issues refunds. Instead they pocketed the money and increased my Mortgage! 

I want my {$120.00} back. I want them to get their act together and bill customers according to the actual escrow bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also violated the law because according to : 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.

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information.

They did not do this!!

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern. 

I recently received a copy of my XXXX XXXX and XXXX credit report and I noticed some late payments posted on my credit report. 

Account Name : DISCOVERY BANK ACCOUNT NUMBER : XXXX Your company is in clear violation of the law .15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to report this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.
Product: Credit reporting or other personal consumer reports

I have been disputing a credit card with XXXX XXXX  for almost a year, a credit card that a little over XXXX. I submitted a complaint with cfpb before and it was closed with them saying they provided " proof '' of information that I never received. I have BEEN telling them that my identity was stolen and provided them with a police report and everything. there is someone who has my information impersonating me. I'm sure the reason I haven't been receiving whatever they are sending is because the person who stole my identity has put there information not mine. I DID NOT OPEN THIS CREDIT CARD WITH THEM please remove this from my credit report I'm prepared to go as far as I need too to get this resolved. XXXX XXXX HAS DROPPED THE BALL AND IS HOLDING ME RESPONSABLE FOR THIS DEBT THAT IS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a second complaint since my first complaint was not resolved even though it was closed. The complaint was XXXX Original Detail as follows : On XXXX XXXX I applied for a XXXX XXXX XXXX XXXX card from XXXX XXXX XXXX. They pulled my credit twice on Trans Union resulting in two credit inquiries. I only authorized one inquiry for the one account. Trans Union needs a letter from XXXX XXXX XXXX stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account. 


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

After I have called the credit reporting agencies a couple of times and had representatives hang up the line while placing me on hold. I am not moving a step further to get remedy for being violated. This is just a courtesy complaint to allow the credit reporting agencies a chance to fix what they have messed up before I go straight to US district court to collect remedy. I have accounts listed such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX that are not mine and I require that they be removed. I tried to giving an oral and written instruction to the CRAs so now this is my written instruction in this complaint. I require that you remove and correct all I have listed in this complaint. You are currently in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX The credit bureaus stated Account Name & Account # was properly investigated but how is that possible if they did not properly show me proof of a proper investigation. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report Accounts 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : : : XXXX XXXX Bank # XXXX XX/XX/XXXX ... {$3000.00} XXXX XXXX  Bank XXXX XXXX XX/XX/XXXX .... {$640.00} XXXX XXXX XXXX XXXX # XXXX / XX/XX/XXXX ... {$320.00} XXXX # XXXX XX/XX/XXXX .... {$410.00} XXXX # XXXX XX/XX/XXXX XXXX. {$340.00} XXXX XXXX # XXXX XXXX XXXX {$130.00} I have reached out to the compaines and they still have not corrected the issue. 


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.
Product: Credit reporting or other personal consumer reports

In 2017 my Bank of America credit card account was discharged in bankruptcy, and then closed, payments were NEVER LATE. Bank of America keeps indicating to the Credit Bureaus that the credit card account is Delinquent, which is inaccurate. Due to the inaccurate information provided by Bank of America to the credit bureaus, the credit card account keeps being marked as Derogatory and the Bankruptcy filing date reported as Date of Delinquencies, which is inaccurate as well. 
I'm attaching bankruptcy documents and recent reports received from Credit Bureaus.
Product: Credit reporting

went online to check my credit score and saw that i had an account open with XXXX XXXX, i had never applied for that credit card.
Product: Debt collection

For the past 2 weeks I have been receiving harassing phone calls from Fair Collection and Outsourcing ( FCO ) regarding an alleged debt owed to XXXX XXXX XXXX XXXX XXXX XXXX. I have spoken to this agency once and informed them that I have never lived in Maryland and that they have the wrong individual. Today, XXXX XXXX, 2016. I received a collections letter in the mail informing me that I owe {$8000.00} and that I need to pay it. I have reviewed my credit report from all XXXX credit bureaus. This company has inquired about my credit via XXXX without my permission or consent. I suspect this is a scam as the company called my home and asked to speak to me but then they wanted me to give them the last XXXX digits of my social security number and/or my mailing address. I did not provide them with either. In addition, I am sending FCO a certified letter requesting validation of debt and reporting them to the fraud department at XXXX before they try to add false negative debt information to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a credit alert today. I decided to check my credit report. I noticed that XXXX XXXX XXXX has reported an account XXXX as charged off on XXXX XXXX, XXXX, and Experian. I have disputed this with XXXX XXXX XXXX and they advised that I have to dispute with the credit bureau. They have agreed that this is not a charged off account but an open checking account and should not be on my credit report.I have disputed this with XXXX XXXX, Experian, and Experian. This account is affecting my credit score and resulting in credit issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reported the fact that my identity has been compromised, stolen and misused and maybe sold on the black market. However, even with all the credit reporting data breachs my information has been compromised. I've also requested for a Method of Verification in this process / investigation. The name and title of the person ( s ) investigating this. The time and date of the investigation. Also the means used in the investigation. I'm demanding that these unauthorized accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX {$560.00} 3 ) XXXX XXXX XXXX {$800.00} 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX  6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2022 I got a starter loan from XXXX XXXX XXXX XXXX all payments were made on time they are currently inaccurately reporting lay payments to my credit report I need these to be disputed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX  reporting false report stating that I had an XXXX XXXX open in XX/XX/XXXX. On XX/XX/XXXX the report stated the year was XXXX. Since, I moved back into my house in XXXX of XXXX, I have been with XXXX XXXX XXXX which, the company can verify ph # XXXX. I have never been with XXXX XXXX and prior moving to my house after evicting the person living in my house.. which is in Court Records, I was living with my daughter on XXXX XXXX which, the IRS and even verify. XXXX XXXX is fabricating and never sent me any info to dispute and even XXXX  have taken this off their reporting but XXXX  has refused and has added more incorrect reporting.
Product: Checking or savings account

My checking account was breached at Bank of America. Someone took XXXX out of it then is trying to open a new account on line in my name. We got the XXXX back. We have frozen our current accounts. I am custodian on my sons account. They got a debit card in my name for his account and withdrew XXXX with different transactions using XXXX and XXXX XXXX etc. It is being investigated by the fraud department. I will have my son file a report also.