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

I am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. 

I have sent a total of six previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX XXXX XXXX XXXX  These receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. 

I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary.

Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous.

This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. 

I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. 

I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  I disputed XXXX XXXX credit bureau failure to add notice of dispute by consumer with equifax 15 usc sec 623 failure to give notice of dispute which is a violation of FCRA and FDCPA... I DID NOT DISPUTE THE BALANCE ... XXXXComplain # XXXX though the CFPB..I demand this account be removed for this reporting error...
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, have violated my rights. 


15 USC 1681 Section 602 A, states I have the right to privacy.

15 USC 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting containing the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish 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

It has been going on almost over a year now I am unable to request my scores online there is something blocking my profile I have sent Equifax copies of my license proof of address and any additional information they have requested I can not retrieve my XXXX scores still to this day please correct the issue immediately
Product: Credit reporting or other personal consumer reports

Checking my Equifax report there have been multiple inquiry attempts to apply for credit that do not belong to me and the following inquiries need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Filed a police report and FTC report, disputed accounts with the credit bureau and requested a debt validation letter and documentation on debt, nothing has been sent. The workers at the company are very rude
Product: Checking or savings account

On XX/XX/XXXX, I visited a XXXX XXXXXXXX XXXX bank of america bank. I opened a new account and deposited a check that was issued to me due to me being on XXXX XXXX from a job injury i faced last year on XX/XX/XXXX. I was able to settle that claim with the company XXXX XXXX XXXX XXXX XXXX The banker who opened the account told me that there were no holds being placed and my funds would be available the next business day. Due to XXXX XXXX XXXX on XX/XX/XXXX the check was to be held until XX/XX/XXXX. I received an email from bank of america on XX/XX/XXXX stating that another hold was placed on the check until XX/XX/XXXX. I am having a financial crisis due to not being able to work for a year and I am behind on my rent and other bills. My car was repossessed due to the fact that I couldn't pay it and now I'm risking homelessness because I can not access my funds because of this bank.
Product: Mortgage

Starting on XXXX XX/XX/2020, representatives from Premier Mortgage LLC have been incessantly cold-calling. Over 25 calls in 7 days and one email.

They state they " are calling from the VA Department '' misrepresenting their affiliation. Also, when asked to clarify, they insist they are calling from the Department of Veterans Affairs, and make an effort to distract and move on to offer a VA streamline refinance.

I asked 7 times to be placed on their do not call list. The calls continue. One loan specialist threatened me when I brought up misrepresentation as a VA official. Others refused to provide their names and license number and hang up the calls. 

The email they sent copied the addresses of XXXX recipients fully disclosing all email addresses. 

XXXX XXXX XXXX Managing Partner XXXX # XXXX Premier Mortgage LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Office : XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost 14 points on my credit score because WELLS FARGO DID NOT REPORT MY {$970.00} XXXX PAYMENT I PAID THEM ON XX/XX/XXXX. I checked my annual report today, XX/XX/XXXX and the only thing missing and the cause of the drop in my XXXX  score is because WELLSFARGO DID NOT REPORT I PAID MY XXXX PAYMENT TO THEM, before they transferred my mortgage to XXXX XXXX  on XX/XX/XXXX. I paid Wells Fargo and I called and talked to first a XXXX, explained i needed them to post my XXXX payment as it says XXXX paid and XXXX shows I was transferred on XX/XX/XXXX and says XXXX payment for XXXX so my {$970.00} payment was not reported, Then XXXX gave me his supervisor XXXX and I had to repeat it all over again, so I asked for his supervisor of the mortgage dept. to contact their dept that reports to the agencies and tell them i paid XXXX 's payment which he acknowledged, but he said it wouldn't be until next Tues because of the holiday, BUT THAT I NEEDED TO SEND IN A LETTER REQUESTING WITH COPIES OF MY CREDIT REPORT I PRINTED TODAY FROM ANNUAL CREDIT REPORT SHOWING THEY DIDN'T REPORT MY PAYMENT, THEN THEY WOULD REQUEST IT FROM THE CREDIT REPORTING AGENCIES AND DISPUTE IT!!!!!! I said why can't you just go into the reporting agencies and report the payment! I have had to deal with Wells Fargo for 27 years after they bought out XXXX XXXX XXXX that had our mortgage, that is how they got us and my hubby which has been passed since XX/XX/XXXX and we never ever refinanced so Wells Fargo has been our mortgage since XX/XX/XXXX.. I sent them certified copies of his death certificate, my filing of certified copies of our will and filing in XXXX and then they changed my acct.. # and where i sent the payments, but one time they sent in my SS # wrong and for years to get my XXXX reports I have had to send in several times, my copies of SS card, drivers license, and an electric bill, and also my 1099 tax copy, in order for XXXX so they would change my SS # to the correct one ( XXXX ) last digits and Wells Fargo kept sending XXXX which is wrong and now this! I know how Wells Fargo is and how it takes them weeks to do anything and also they send letters stating we are sorry, we will be a few more days! BELIEVE ME THEY DON'T CARE IF IT GETS CORRECTED AS I AM NOW WITH XXXX XXXX SINCE THEY TRANSFERRED ME WHEN I ONLY HAVE 3 YEARS TO PAY ON 30 YEARS LOAN AND 27 YEARS WITH THEM! I make sure i watch my scores and also pay my bills on time and it took along time to get my credit score up to XXXX XXXX  and XXXX XXXX  and then lose 14 points to XXXX now and the only thing that has changed is WELLS FARGO NOT REPORTING MY XXXX XXXX PAYMENT. PLEASE AND THANK YOU, MAKE THEM TASKE THE RESPONSIBILITY OF REPORTING MY PAYMENT I PAID THEM! I have worked really hard to get my score up there! Thank you and XXXX  bless! XXXX
Product: Credit card

First and foremost, XXXX codes 15 USC 161-states no credit is denied 12 USC 412-applications are letter of credit 15 USC 1637 credit plans are open ended 15 USC Trust Penalty 100,000,000 dollars for illegal activity 15 USC 1602g Investors ( Myself ) are the creditors 42 USC 408 Cant Ask for SSN its fraud Also see durable POA and Affidavit Fee Schedule recorded for my protection of rights ; File number XXXX, will enforce if necessary. 
This is in regards reference numbers : XXXX, XXXX, XXXX, XXXX, XXXX all were denials due to XXXX scores. According to Department of the Treasury Office of the Comptroller of the Currency, 12 CFR Parts 1, 16, 28, and 160 ; OMG Control Number XXXX which was provided to Chief Executive Officers of All National Banks, Federal Savings Associations, Federal Branches and Agencies, Department and Division Heads, and All Examining Personnel. Description of the Final Rules stated, 12 CFR parts 1, 16, 28, and 160, the OCC is amending the definition of investment grade to remove references to credit ratings and nationally recognized statistical rating organizations ( NRSROs ). Where appropriate, the final rules replace the references to credit ratings based standards of creditworthiness.

As a new silent investor in American Express who provided registered valuable security in which I am entitled to a mutual benefit from those eligible receivables. I request that you honor this fair exchange of value and that you correct these card denials into immediate approval. As stated in your prospectus and 4.1 exhibit form, XXXX # XXXX has turned my applications into receivables, which means XXXX XXXX XXXX sold all rights, titles, interest, and obligations, to the Trust, Outlined in Section 9.06. Acknowledgement and Agreement of the Seller. By execution below, the Seller expressly acknowledges and agrees that all of TRSs Right, title, and interest in, to, and under this Agreement, including all of TRSs Right, title, and interest in and to the Purchased Assets, may be assigned by XXXX to XXXX XXXX, by XXXX XXXX to the Trust and by the Trust to the Indenture Trustee, and the Seller consents to such assignments. 

XXXX XXXX XX/XX/2018 ( b ) ( Security Interests. Except for the conveyance hereunder, the Seller will not sell, pledge, assign or transfer to any other Person, or take any other action inconsistent with XXXX  ownership of, the Purchased Assets, or grant, create, incur, assume or suffer to exist any Lien for municipal or other local taxes of the Seller if such taxes are not then due and payable or if the Seller is then contesting the validity thereof in good faith by appropriate proceedings and has set aside on its books adequate reserves with respect thereto ), and the Seller shall not claim any ownership interest in any Purchased Asset and shall defend the right, title and interest of XXXX in, to and under the Purchased Assets against all claims of third parties claiming through or under the Seller.
Product: Credit card

Refer to my correspondence with Citi Bank regarding my credit card XXXX In short I was contacted by Citi bank and they have offered mediclaim policy of XXXX, in XXXX and policy was issued and premium was debited in my credit card and it was paid by me. After that in XXXX before expiring that policy I have sent the mail to Citibank for not issuing the fresh policy or renew the mediclaim policy. 
Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied. 
Now one month back I have come to know that Citibank has reported me defaulter and updated in XXXX so now my request is this kindly go through the attach file ( all mails sent to Citibank ) and resolve this and arrange to remove my and my wife name from XXXX.
Product: Mortgage

Chase continues to ignore my requests for information regarding the history of my mortgage and how their actions have resulted in huge financial losses for me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not mark my account as disputed within 30 days. 
Also, has NOT validated this account with a signature. This is the letter I sent them on XXXX/XXXX/XXXX : This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you XXXX be liable for your willful non-compliance.
Product: Credit card

I signed up for an American Express Platinum card with a XXXX point welcome bonus. The card has a {$450.00} annual fee. I met the requirements for the offer with {$3000.00} of spending in the first three months of opening the account and had the points posted to my membership rewards account. American express put a hold on my rewards account and I immediately stopped spending on my cards with the idea that I should not use the card until the issue was resolved. American Express took back the XXXX points that posted to my account after the three months had ended. They factored an airline fee credit into their calculations and determined that I had come short by {$2.00} to meet the minimum spend. They rendered this decision after the period had passed under which I could have canceled the account and received a refund for my annual fee of {$450.00}. American Express was never transparent throughout this process, never indicated that I needed to do additional spending on the card *after* I had met the terms and conditions and kept me in the dark until after I was ineligible for a refund. Had I known this issue was not going to be resolved ( I was specifically told on the phone that they would give me the XXXX points back because the fee credit was a computer error ), I would have canceled my account for a full refund.
Product: Debt collection

Advanced Collection Bureau at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature
Product: Debt collection

In XX/XX/XXXX I was notified by an identity protection provider that several credit cards were opened or attempted to be opened in my name. On or about XX/XX/XXXX, I was contacted by XXXX police department that my personal information including my Social security number, a credit card statement and other personal information was obtained during a search of a residence in XXXX  XXXX. I filed a police report with the XXXX Police Department on XX/XX/XXXX. Police report # XXXX. I reported there were 11-12 attempts to open credit cards in mine and/or my wife 's name. XX/XX/XXXX I faxed all of the information to XXXX 's for the first time. That information included the XXXX policy report # XXXX. On or around XX/XX/XXXX, I received a restitution letter from XXXX XXXX XXXX, District Attorney, XXXX XXXX XXXX Judicial District, State of Oklahoma that I was a victim of a crime. Case # XXXX State of XXXX XXXX XXXX XXXX XXXXXXXX XXXX I filled out the Itemized restitution request letter informing them that a XXXX rewards credit card issued by Barclay 's Bank had been taken out and purchases in the amount of {$980.00} were made on the card. The card in question I later received the credit card at my residence. I contacted Barclay 's bank with the assistance of XXXX from XXXX XXXX XXXX XXXX and informed Barclay 's the card was taken out fraudulently and I wanted it investigated. The card was placed on suspension and was investigated. I received a letter from Barclay 's that after investigation, they concluded the card was not taken out fraudulently. I have sent Barclay 's the police report 3 times. Two times via fax and 1 time regular mail. A copy of the restitution letter from the District Attorney and have called Barclay 's approximately 25 times explained the situation and every time it's the same response. I'm told it will be investigated and in a few days I received a letter explaining that they have concluded their investigation and no fraudulent activity found. The entire ordeal included approximately 17credit cards being taken out or trying to be taken out in mine or my wife name and SSN. Barclay 's is the only card remaining that has not recognized the illegal activity in my name. I submitted all paperwork from Barclay 's to XXXX XXXX XXXX confirming the account was fraudulent on XX/XX/XXXX XX/XX/XXXX I continue to receive calls from XXXX  XXXX XXXX a debt collection company. I've submitted all paperwork for a 2nd time confirming the matter should be closed and the account coded as fraudulent
Product: Credit card or prepaid card

I get paid biweekly and my direct deposit isnt appearing in my account. I havent gotten a email from American Express stating theyre having problems with anything so I dont know whats going on. Ive called 9 time. Ive called the number I have saved in my phone for them, one number I called that I found online and the other number was off of the card I have. I put in all the information needed to speak to someone and after all that 9 Times it just beeps as if a line was disconnected everytime! I even go on this website XXXX XXXX XXXX and theyre were other people on this same site live commenting on the same issue Im having. My deposit normally on my card buy 12 ish its not 30 mins before 3 and I still havent received my check. Ive been backing with them since my senior year in high school, so about 2-3 years now and this is first! I have proof of times and dates if needed for this case I have them all ready.
Product: Credit card or prepaid card

Received an automated call from Amazon indicating there was a charge for a XXXX and XXXX. Was transferred to a live XXXX sounding person and was told there were multiple bank accounts created under my name ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. All with different charges. However the charges dont show on the only account I DO have for the Amazon credit card they are indicating has these charges. The phone number was XXXX ( XXXX ) XXXX XXXX, NJ.
Product: Credit card

On XX/XX/2024, I sent a claim to Navy Federal Credit Union and within three days it was received, investigated, resolved and closed without me having the opportunity to send correspondence or any other documenting information. 
Under Your Claim is ResolvedThe amount debited by the merchant was agreed upon when services were received. While we understand that the quality of services rendered was unsatisfactory services were performed and paid for and there is no record of cancellation ; therefore we have no recourse within the dispute process to pursue this matter further. 
As of the date of this notification, your dispute claim has been closed. 
I DO have an email of service cancellation from XXXX. When I initially negotiated with XXXX and the contract price was set, it was surely based on the XXXX XXXX XXXX that I would receive. XXXX was the sales agent and strongly highly recommended this treatment plan after he saw the XXXX XXXX at my XXXX. I paid for the XXXXXXXX XXXX XXXX that I did not receive and was in the service contract that I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned a lease with Honda, it specifically was an Acura, and upon return I was misinformed the next steps. Furthermore, I did not receive any correspondence about approximately {$140.00} owed to close out the lease. Acura locked out my online account and did not send information via mail, but submitting a report to the credit union. Specifically I owed {$140.00} of final payments, my auto-payment did not pick up the fee owed, but it was also reported that I owed more than {$21000.00} to the credit union. I was also told I signed documentation that I did not sign, not was able to be produced by Acura upon request. I My issue is that I was mis-informed, and never contacted before the submission to a collection agency. Furthermore, Acura has not provided any documented proof for their credit report. I paid the amount owed immediately upon notification, which unfortunately was based on seeing my credit score go down rather than being contacted by Acura.

Honda has a history of not communicating to vendors and submitting a credit issue before following the terms of notifying and collecting additional payments. I was a customer of Acura/Honda and have never missed a payment before, but this has lowered my credit score by more than 200 points due to not only the late payment submission but also the submission that I owed more than {$21000.00} instead of the $ XXXX that was owed.