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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/24, I received an email indicating I had taken out a {$280.00} loan via Affirm for XXXX. I immediately check XXXX and no such purchase existed. I immediately reached out to Affirm to let them know this was fraudulent. On XX/XX/24, they sent me an email saying that it was my debt and I would have to pay it. I've requested to speak with someone and asked for proof of the debt. I've researched affirm complaints and it appears this is not uncommon behavior. Affirm is taking payments from me and not answering. This is not my debt.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 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 the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. Please delete these items listed below IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. 

Thank you, XXXX, XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Background - I was a XXXX of few corporations and i signed in capacity XXXX XXXX of those corporations on their Insurance Policies. We obtained WorkersComp Insurance from XXXX for Fiscal Year XXXX and paid 100 % of premiums at the time of Policy Inception. 

XXXX successfully conluded the Audit in XX/XX/XXXX ( for XXXX policy ), with no additional premium requirements. 

Matter - XXXX failed to correctly report the said numbers to respective Government Agencies. As a result of this Wisconsin Department of Workforce Development notified that we did not pay our premiums. After repeated emails to to XXXX XXXX company from me, they still failed to report it to Wisconsin DWD. I  have records of all the emails sent to XXXX requesting to rectify the records with Wisconsin DWD Wisconsin DOR filed 3 Cases against me Personally and all those cases are appearing on my credit. When i found out, i filed companits with Illinois Department of Insurance and WI Department of Insurance. 

Thereafter XXXX rectified their mistake. 

However, the Public records indicate - JUDGEMENT SATISFIED.

Complaints : 1 ) the cases should not been filed against me personally.

2 ) the status should have been CASE DISMISSED, not Judgement Satisfied 3 ) Due to inaction of XXXX, my credit has been damaged significantly and banks have refused to loans to buy new business - i have proof of all of it. this has deprived me of my future growth. 

thank you XXXX XXXX XXXX
Product: Debt collection

First time they called they asked for my son who is a minor child I stated to send everything via mail and also to verify and submit proof as I did not recognize this debt - sent them a letter as well but to date they keep calling me to collect a debt which they have not provided proof and also keep calling after requesting to send all communication in writting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting agencies improperly reported information on my consumer report. The information was disputed and the results came back from the agencies as " Verified '' but still showing incorrect information and shows they did not conduction a " Resonable '' investigation as required by the FCRA. The account is a collection yet showing a past due, also payment grid showing incorrectly. This is a violation of : 15 USC 1681e ( B ) - Maximum Reporting Accuracy 15 USC 1681i ( a )
( 1 ) ( A ) - Procedure in case of disputed accuracy I have uploaded the Investigation results as proof of the poor investigation and inaccurate reporting.
Product: Credit reporting or other personal consumer reports

My private information was shared and falsely hit my credit report. XXXX XXXX has no contract with me and hit my credit report negatively. It is my belief that under code 15 usc1681 sections 602 and 604 15 usc 1681.c ( a ) ( 5 ) and 15 usc 1681s- ( a ) ( 1 ) my right to privacy has also been violated.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed Ive been a victim of identity theft and found numerous credit inquiries I have no knowledge of, here are the inquiries that Ive found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please remove these fraudulent inquiries from my credit report. I also attached a copy of my identity theft report as well.
Product: Mortgage

The property    XXXX   XXXX   XXXX     XXXX   XXXX   NY,   XXXX   was for eclosed on 5 years ago on  XX/XX/XXXX ,  b y    XXXX   XXXX   /   XXXX   XXXX  .I h ave a letter from   XX/XX/XXXX ,  from  XXXX  banks Investigation team stating : "  RE : Loan  Number  XXXX  Dear Sir, This letter is in response to   XX/XX/XXXX , request regarding the above-mentioned mortgage account. I appreciate the opportunity to address your concerns.    My investigation revealed the foreclosure sale was completed as of   XX/XX/XXXX . As the foreclosure sale has been completed, you have been removed  from the owner of the property and the property is now  Real Estate Owned.    If you have any additional questions, please contact a Customer Service Representative at  XXXX , Monday through Friday, between   XXXX   XXXX    and    XXXX   XXXX   Eastern Time.    Respectfully,    XXXX   XXXX   Customer Response Team     XXXX   XXXX   XXXX  , a division of   XXXX   XXXX   XXXX   ( r ),   XXXX   ''.   <P/> I also have the  XXXX  's from   XX/XX/XXXX  : Ac quisition or Abandonment of Secured Property and  XXXX  Cancellation of Debt and Notice of Termination of Proprietary Lease selling all shares.  <P/>  Five yea rs later about 4 months ago, I have started getting nonstop calls and bills in the mail fro m Ocwen Bank s aying that there was a clerical error back in  XX/XX/XXXX  and now the foreclosure is not valid which I feel is crazy that the property has been listed for sale all these  year 's up untill  XX/XX/XXXX .    In the past 5 years, I have been turned down several job offers and loans because this is on my credit report. With the foreclosure, only  XXXX  years left on my credit repor t, Ocwen 's Bank represe ntative  XXXX   XXXX  at the Office of the Consumer Ombudsman informed me that they will start up the foreclosure process again and this will be on my credit report for another 7 years.I do not live in that property and am living in a different state.  <P/> On   XX/XX/XXXX , I c ontacted    XXXX   XXXX    and  XXXX  Representative  XXXX   XXXX  informed me that the foreclosure did go thru on   XX/XX/XXXX , and Ocwen Bank has made a mistake and to call her and she could help fix the error.   <P/> On   XX/XX/XXXX , I  contacted  Ocwen 's Bank repres entative  XXXX   XXXX  at the Office of the Consumer Ombudsman to give him    XXXX   XXXX    and   XXXX    Representative  XXXX   XXXX  contact information and he refused to contact her and told me to get any and all paperwork from     XXXX   XXXX   and send it to Ocwen Bank for  review. I have sent a letter to OneWest requesting any and all paperwork on the foreclosed property and am waiting on that.Ocwen 's Ba nk representative  XXXX   XXXX  told me to send a Ceasing Communication letter and I did, but they keep calling me.   I have bee  n out of work for the last two years because of an injury and the amount of stress they are applying is unethical. I can not afford an attorney to fight this with me and I do n't know what to do next.If there is any way you can help please advise. I will attach all documents that I currently possess.
<P/>
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

Mid America Mortgage failed to disburse surplus escrow funds in the 20 days required by " XXXX Timely escrow payments and treatment of escrow account balances. '' upon payment in full of the loan. Multiple attempts were made to request additional information about the process and only upon threatening to raise the issue to authorities did the servicer make any noticeable attempt to correct the issue.
Product: Bank account or service

My checkng account with navy federal was deactivated because I defaulted on a credit card product.
Product: Credit card or prepaid card

For months I have been charged {$1.00} for balances under XXXX cents and I have been told this is the interest ( 11.24 % ) on my account balance of XXXX cents per month. It is not identified as interest, it shows on my statement a 'minimum charge '. XXXX charges my credit card {$1.00} every month regardless if there is a balance or not. Credit Card representatives explain this 'minimum charge ' as the INTEREST charge on my card. 
Can a credit card company charge me every month regardless of a balance? I have never heard this done with other creditors I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions. 

XXXX XXXX XXXX
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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an 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 XXXX 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

To Whom It May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically, as it relates to unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and 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 non-compliance. I further remind you that, as in Wenger v. XXXX XXXX   Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit card or prepaid card

Citi bank 's terms and agreement state this contract is governed by federal laws. Therefore, I ask that they honor the duration of their understanding and apply the federal that fit my situation. Under 18 USC 894, this is a collection of credit. They are not supposed to collect on an extension of credit. Under federal law I was supposed to receive a clear and conspicuous meaning of the terms and conditions of this agreement which I have not received. I wasn't told my rights under federal law about this agreement. Many elements were hidden in this contract. if they choose not to honor their terms, I demand all my payments back, and they report paid on all cras
Product: Debt collection

Wells Fargo Bank is deliberately re-aging a Line Of Credit ( LOC ) account on credit file by falsely reporting to the CRAs. Wells Fargo has removed the account history from credit file and continues to provide false data for DOFD to the CRAs by reporting this account recently went into a derogatory status XX/XX/XXXX, ( date of Chapter XXXX Bankruptcy filing ), and XX/XX/XXXX. The DOFD ( Date Of First Delinquency ) on this account is XXXX XXXX. This account tradeline meets criteria to be removed from credit file and should no longer be reported to the CRAs, as it has been XXXX years since DOFD. Additionally, this account was included in Chapter XXXX Bankruptcy XXXX years after DOFD, discharged in XXXX XXXX yet Wells Fargo placed charges/adjustments on this account AFTER they were informed of Chapter XXXX filing ( XXXX XXXX and XXXX XXXX respectively ). This illustrates a pattern by Wells Fargo of deliberately violating the FCRA and shall be sufficient to compel removal of this tradeline from credit file. This complaint shall serve as official record noting that the data furnisher ( Wells Fargo ) is providing inaccurate data to CRAs, per Experian, Wells Fargo validated in XXXX XXXX that the account DOFD is XX/XX/XXXX which is false ( official Wells Fargo Account History Report and XXXX official Wells Fargo letters dating back to XXXX are attached ). Wells Fargo also continues to update the status of this delinquency monthly on XXXX and XXXX credit files by re-aging the " last reported '' date, including comments on the tradeline that this account is " Included in Chapter XXXX Bankruptcy as of & lt ; current month, current year & gt ; ''. This in turn pushes out the " date of removal '' for the CRAs to XXXX years from each update which has been occurring monthly since I filed disputes with the CRAs. The TRUE DOFD for this account is XXXX, XX/XX/XXXX, not XX/XX/XXXX or XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$4200.00} XXXX XXXX XXXX XXXX {$2000.00}
Product: Checking or savings account

I have been banking with USAA for over 10 years and the customer service I have received on XXXX has been incredibly unhelpful. I deposited my check for {$1000.00} on XX/XX/22 and a little over by half of it the bank is holding and keep hostage for a week. Ive expressed to 3 customer service representatives that I need it released due to me having bills that need to be paid, and all the could offer me was reading directly off a script. Theyve all expressed that theyre committed to building close relationships with tiger members, however that is not the case. None of them cared that I have bills to pay. Im essentially just supposed to deal with it. Im tired of having more than half of my check being held hostage by USAA. The worst part is that they dont consistently hold my checks. They pick and choose when they want to do it. I want better from then.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal request to you for the removal of inaccurate and/or outdated itemsfrom my credit report, which I believe are negatively impacting my credit profile. After athorough review of my credit report from your agency, I have identified several items thatrequire immediate attention and deletion. I have provided the details of the disputeditems along with explanations of the inaccuracies, the information reported for theabove-mentioned accounts are inaccurate and does not reflect the current status of theaccounst. I have enclosed supporting documentation that validates the correctinformation. I kindly request that you investigate this matter and remove the inaccurateitems from my credit report as required by the Fair Credit Reporting Act. I have enclosednor attached my documents in my letter. I understand that it is your responsibility, as perthe Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and toinform me of the results. I respectfully request your prompt attention to this matter and atimely resolution. Please provide me with a written confirmation of the removal of eachinaccurate and outdated items once the investigation is complete. I also request anupdated copy of my credit report reflecting the corrected information. Here are thefollowing fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXXXXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$210.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022

I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

THIS COMPANY IS TRYING TO COLLECT A DEBT FROM ANOTHER COMPANY THAT WAS OPEN VIA FRAUD,
Product: Mortgage

I just recently learned about the program initiated by President Obama in XX/XX/XXXX trying to rectify unfair mortgage practices against XXXX members and veterans beginning during the XXXX recession. After retiring from the XXXX XXXX in XXXX, I was employed here in Ohio until XXXX XXXX. Eventually, I/we were foreclosed upon by Countrywide Lending after attempting everything legal that I was aware of having available. This wound up costing us & gt ; {$43000.00} in equity alone. All I ever received from the XXXX settlements were XXXX checks totaling less than {$800.00}. If the program talked about in this news article is still functioning, how do I go about having my case submitted to, and reviewed by the appropriate people? XXXXXXXXThank you in advance for your time and assistance. 

Respectfully,