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

I am asking that you reinvestigate the XXXX XXXX account on my Equifax credit file.. Per the original dispute notice I asked that this account be removed and during your closing investigation through the credit bureau of Equifax, states that this account is not with that credit reporting agency.. again please remove this from my reports.. I will be sending over documentation showing that this fraudulent account is being displayed with this agency.. Please remove immediately.. Furthermore According to 15 US Code S 6801 addresses the protection of non public personal information and according to non public personal information is a transaction and or experience made between myself and the creditor directly..My rignts have been violated greatly per the GRAMM LEACH BLILEY ACT 15 USC S 6801-6809.. Please remove all negative reporting referring to the above accounts immediately. I never gave XXXX any permission to report anything to my credit reports let alone signed any disclosure forms.. 
Please include the Permissible purpose form in this reinvestigation.. pursuant to15 USC 1681 EB you have 5 days to send back results of this reinvestigation also please send a description of the procedure how you went about the investigation to determine the information was accurate pursuant to 15 USC 1681 a ( e ) ( investigation ) XXXX  HAVE TO HAVE written instruction from consumer to even report this.. 
pursuant to 15 USC 1681 l ( a ) 5 and 1681 ( a ) 1 delete unverified information and if there is no proof that none of this information has been included in the first initial investigation this information was not verified and should be deleted immediately. This file is not accurate or fair.. This information reporting is in clear violation of my rights.. I have sent you proof of the violation on my consumer file and you continue to report it. furthermore you have failed to protect my rights to privacy and exercise your grave responsibility with fairness and impartiality pursuant to 15USC 1681 accuracy and fair reporting Please reinvestigate and send proof of the investigations. Including the 3 disclosure forms, Permissible Purpose form and other information regarding the initial investigation.. according to 15 USC 1681 ( e ) 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 associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
If these steps were not followed please delete all negative information immediatelyXXXX report number from previous investigation for investigation for XXXX XXXX  IS XXXX Thank you XXXX XXXX
Product: Debt collection

THE RECEIVABLE MANAGEMENT SERVICE has placed a debt on my credit report for {$230.00}. Per the WV XXXX XXXX XXXX, they are not licensed to collect debt in my state. They have ignored all of my attempts to rectify the situation.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report that conflict with 15 USC 16c-2. Please remove this inaccurate data, as it is hurting my credit.
Product: Credit reporting or other personal consumer reports

I have already called and made ALL 3 Credit Bureaus aware of the identity fraud that has occurred and have included FTC reports to all three reporting agencies. By FCRA Laws Section 609 ( e ), Equifax, XXXX, and XXXX are required to delete all information related to the fraudulent use of a the victim 's identity. 

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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found an unfamiliar inquiry that I dont recognize or recall initiating. I haven't applied for any new credit, nor did I give permission for this company to access my report. This unexpected activity is causing me a lot oXXXX XXXX and XXXX
Product: Credit reporting

To dispute any credit cards or bank accounts that are not mine to clear and prepare credit
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

I would like to follow up and formally express my continued frustration and disappointment with the unresolved issue of fraudulent items on my credit report, despite my several attempt to rectify the situation. Despite providing comprehensive evidence and following the prescribed procedures diligently, the fraudulent items persist on my report. This ongoing issue not only undermines my financial credibility but also reflects negatively on the accuracy and integrity of the credit reporting system. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. I have previously submitted all necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : The persistence of these inaccuracies is causing significant stress and has a detrimental impact on my financial stability. I request that you would help me conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter and to receive written confirmation once the corrections have been made. 
Please help me remove these items immediately : Inaccurate Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$200.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XX/XX/XXXX.
Product: Mortgage

My husband died in XX/XX/XXXX and I was making the house payments but, fell behind because I had to fix the the house. I have been trying for 2 years to talk to the bank but, they keep saying that I am not on the mortgage. I sent them a copy of the mortgage that, shows my name and it took them months to acknowledge. Then they took me to court and said, my dead husband filed for bankruptcy and gave up the house and got a judgement and the house now has a sale date. I applied for a modification and they keep sending letter I did not send documents and when I call they find them. Now they want me to start the who process again, when I have submitted all the documents. Please help me.
Product: Credit reporting or other personal consumer reports

My information and password was exposed in the data breach. I am writing to formally dispute inaccurate information on my credit report and request the removal of late payment items reported under my name. I believe there has been a violation of several laws, including 15 USC 1681 ( Fair Credit Reporting Act ), 15 USC 6802 ( XXXX XXXX ), and 18 USC 1028A ( Identity XXXX ). 
Upon reviewing my credit report, I found several late payment entries that are inaccurate and do not reflect my true payment history. I have documentation to support my claims, including proof of timely payments. The inaccuracies may indicate a breach of my consumer rights as outlined in the FCRA, which mandates that consumer reporting agencies maintain accurate information. 
Additionally, I believe these inaccuracies may also violate provisions of the XXXX XXXX regarding the safeguarding of personal financial information. If any of this information has been mishandled or misrepresented, it could fall under identity theft concerns as addressed by the Identity Theft Act. 
In light of this information, I request the following : A thorough investigation into the disputed late payment items. 
The removal of any inaccuracies from my credit report if they are found to be incorrect. 
Written confirmation of the results of your investigation and any actions taken to rectify these errors. 
I appreciate your prompt attention to this matter and look forward to your response within the XXXX timeframe as required by the Fair Credit Reporting Act. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Mortgage

In XXXX, my wife and I went to a Realtor named XXXX XXXX in XXXX Ca., they told us we were getting a loan agreement with a fixed interest rate, it ended up being an ARM, it is still going up today, this was and is a XXXX  loan through XXXX XXXX {$1500.00} to {$2600.00} today. 
My wife died in XXXX and then the recession hit in XXXX. I need a new loan with fixed interest rate. 
Ocwen has my loan now. 
Additionally there is a balloon payment of {$94000.00} due on XXXX.
Product: Credit reporting

I filed for BK in XXXX 2012, but I decided I did n't need to go through with it! Experian refuses to remove this item! I have disputed it two times! They keep telling me it was discharged and it clearly was dismissed, it says that on their own report on me! Please help!
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I went to get pre approved for a loan and my credit report was pulled. XXXX and XXXX reported a credit score and listed the credit cards I am an authorized user on. However, Experian listed no score or credit cards. I attempted to contact the company to remedy the issue but was unable to reach an actual person and the automated assistance options were unable to help me. I was unable to file a dispute with Experian since the company stated I had no accounts. I then contacted XXXX XXXX which the credit card I am an authorized user on is issued from. XXXX XXXX advised that I reach out to experian directly ( which I already did ) and stated that they report all information to the XXXX credit bureaus. There is no way to contact Experian and I am unable to get pre approved until this issue is remedied.
Product: Debt collection

My complaint is that XXXX XXXX sold my account to Receivables Management Partners Llc when my account did not go into default for failure to pay. I had spoken to multiple representatives at XXXX XXXX because my payment for XX/XX/2021 never went through, even though it did on my bank account and nobody seemed to know where the payment went. They had me forward my request to a supervisor who never got back to me about the matter. Each time I spoke to someone there I asked them to assure me my account wouldnt go into default, which they assured me each time it wouldnt. 

I have attached my receipt for said XXXX payment, the emails I sent regarding the matter to XXXX XXXX which they never responded to, and the letters I received from the debt collection company. 

My complaint is about both XXXX XXXX for selling my account to a debt collector after being told it wouldnt and for also not being advised it would be going into collections. 
My complaint is also for Receivables Management Partners Llc, the debt collection company, for never sending me an itemized bill from XXXX XXXX.
Product: Mortgage

I applied for assistance with Texas homeowner assistance Fund on XXXX and they denied my, case # XXXX, it was updated on XX/XX/XXXX. My payment was XXXX and all of a sudden when covid hit, they went up to XXXX in which caused me to experience hardship. I contacted wells fargo to let them know I was going to apply for the XXXX on line on XXXX. they paid only my HOA dues only, everything was submitted and they keep having me to continue sending same infomation for app. I keep submitting what was needed. My second case # I applied was updated XXXX on XXXX. the third case was # XXXX and they said I did not have any delinquency. I updated again on XX/XX/XXXX and after that update they said I can nolonger submit another XXXX XXXX, they were going to investagate. they fedX me some paper on XXXX XXXX to pay XXXX by XXXX XXXX to avoid acceleration. I tried to make a payment of XXXX in which they had on my statement, but when I try to pay it on my account it had XXXX and it would not allow me to pay the XXXX they also had XXXX payment also, I am confused, this is not truth in lending.
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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 or other personal consumer reports

Fraudulent Creditor XXXX Name : XXXX  XXXX  XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
The Account Number : XXXX Fraudulent Creditor 2 Name : XXXX XXXX XXXX Original creditor : XXXX XXXX  Summary : Both above accounts are fraud due to identity theft. I have never had a XXXX XXXX Bank nor a XXXX Apartments. Please remove. I did not authorize anyone to use my credit or have any knowledge of this. 

Code 15 USC 1681 : 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA governs how consumer credit reports are accessed and protects the privacy of consumer information.

Purpose Ensures that consumer reporting agencies ( CRAs ) are fair, accurate, and confidential Protects consumers ' right to privacy Promotes the efficiency of the banking system Maintains public confidence in the banking system What it covers The definition of a consumer report The procedures CRAs must follow to ensure accuracy The circumstances in which users can disclose consumer reports The permissible purposes for using consumer reports The rights of consumers whose information is communicated Who it applies to Credit reporting agencies, including XXXX, XXXX XXXX, and XXXX Private investigators, detective agencies, collection agencies, and more Federal, state, and municipal law enforcement agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is on my EQUIFAX credit report 2 times and are exact duplicates. I have disputed with EQUIFAX and the results of their research is that they are both valid. Why should the exact same mark be listed twice with the same exact account #, company, dates and dollar amounts be listed twice? I previously disputed the original mark and at the end of the first investigation, they found it valid and then reported it twice. My credit score has gone down even lower as a result of it looking like 2 bad marks when it should only be one. 
Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX MN XXXX Phone : ( XXXX ) XXXX Original Creditor XXXX XXXX XXXX ; Amount {$310.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : 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

Wells Fargo mobile deposit hold policy, I deposited a check from XXXX XXXX  for {$920.00} on XX/XX/XXXX, on XX/XX/XXXX all the funds were available, I have made a few debit card purchases, and at XXXX XXXX on XX/XX/XXXX the deposit was placed on hold for the entire amount of XXXX, I called the Customer service department and was told the check was flagged " refer to maker '' On XX/XX/XXXX, I called XXXX XXXX and was told the check was paid on XX/XX/XXXX to wells fargo bank. I email a copy of the paid check to the XXXX XXXX and asked for a manger to call me. At XXXX XXXX called me and left a message from the branch and said I needed to contract the maker of the check. She did not acknowledge seeing the copy of the paid check. I called CS and asked to have this issues escalated and was told it would take 48 hours. Mean while my checking account was frozen with a negative balance and no funds until XX/XX/XXXX. when the hold would fall off. I did not know that a 7 days hold would be placed or I could have just gone to the branch to make the deposit and it was not even reasonable that the funds would be placed on hold after all the holds were release the next day after the mobile deposit. Once prof of the paid item was sent to the branch- the hold should have been removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, letters were sent to Experian, XXXX, and XXXX to request the removal of hard inquiries reported to my credit file, because I did not authorize those companies to pull my credit report and I do not recognize them. The credit bureaus responded back to me stating that the hard inquiries were verified without providing proof of how they verified the accuracy of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reviewed a copy of my credit report and noticed the following information regarding inquiry below to be in error. Per the Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 

The following inquiry is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

XXXX. XXXX XXXX I reached out to XXXX who was not of any assistance to address this issue and directed me to contact the credit bureau to delete this inquiry from my credit report. 

I contacted Transunion to investigate and provide evidence that XXXX says that they have pulled my credit report with my permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission. Please include documentation of said permission. 

Transunion sent a response explaining why the inquiry is on my credit report and didnt appear to investigate this matter at all.
Product: Credit reporting or other personal consumer reports

Sent to XXXX XXXX Amex CEO - Since XX/XX/year> I have charges under dispute for fraud on my platinum account. The five charges listed below were flagged by your automated system as possible fraud. I in turn called Amex to verify that they are indeed fraud. Your security/disputes/fraud team has done nothing in almost 8 months to credit my account all five charges. They tell me my " card was present which means these charges are valid '' which is a complete lie and shows the complete negligence of your investigations team. My card was used for a different non disputed charge not {$23000.00}. The Merchants used my card numerous times without my authorization and I did not sign or fill out the sales slips. They forged all information to steal tens of thousands of dollars from me. On top of that, what goods were sold? Nothing is listed. 

Furthermore, the security/disputes/fraud team tells me they will call me back hundreds of times and never does. I have called hundreds of times and your team continues to ignore these issues and do their job. 

I was also told not to pay my monthly bill in full and to pay the charges that I know are due. I did that, in result your team has put my account in 30 past due status on my credit reports for the fraud charges balance. 

This entire set of issues is theft. Amex is allowing a merchants to steal from me which in turn means Amex is lying, stealing and cheating me the card member. I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX