23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXXXXXX 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.

15 U.S.C 1681c. Section 5a : States that no consumer reporting agency may make any consumer report containing any of the information and 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

Never done business with this third party collection agency. I dont know how they received my personal information without me be notified. This is a violation of my privacy.
Product: Mortgage

My husband and I came out of Chapter XXXX two years ago. Seterus is the XXXX mortgage on our home and they never took us out of BK status, in spite our numerous attempts throughout these past XXXX years. Every time we call they tell us exactly the same : It shows here that you are represented by an atty. and we ca n't speak with you. We sent them discharges, letters stating that we are no longer on BK or represented by an atty, etc etc. They take our info, never call us back, and when we call back nothing was done. For the past two years they have not sent us statements, they do n't allow us to pay online or even see our acct on line, we do n't know what payment we are making or if we are up to date or behind. We have asked insistently to allow us to get online so that we can put them on autopay but they state " we ca n't because the acct is on BK ''. We are finally now in a position to refinance and go from XXXX mortgages that amount over {$1800.00} a month with very high interest rates to XXXX that would leave us with only XXXX payment of about {$1300.00}. We have been asking Seterus for a payoff for the last XXXX weeks and they are not sending it to us. Every time we call they state something different, but the theme is that we are represented by an atty. and they ca n't give us a payoff. The worst part now is that since they have not communicated with us or sent us statements they state we are 4 months behind on our payments which means that we wont be able to refi since the lender, of course, wants to see 12 months of no late payments. All of our accts are on auto pay and up to date except for that XXXX and that is because they wo n't allow us to do that. My husband is XXXXemployed and he got hurt at work, XXXX and he is XXXX years old. He has been unable to work for the past 6 weeks which is starting to put us behind. We are completely ready to refinance except for the Seterus acct. 
We would appreciate any help as we are unable to retain an attorney at this time but we considered this being unacceptable and abusive. 
Thank you!
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 Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Information Dispute : The following personal information is incorrect, unverifiable, and must be deleted immediately : - **Incorrect Name : ** XXXX XXXX XXXX XXXX Previous Address : ** XXXX XXXX XXXX, XXXX, MA XXXX XXXX **Incorrect Employers : ** XXXX XXXX CA, XXXX XXXX Additionally : - **Incorrect Previous Address : ** XXXX XXXX XXXX, XXXX XXXX CT XXXX XXXX have never resided at this address, and it poses a security risk if not removed promptly. 

Account Dispute : The following account is inaccurate or unverified and should be removed unless fully substantiated with documentation : XXXX XXXX XXXX XXXX XXXX  Account No. XXXX Collection Dispute : The following collection entry lacks verification and must be removed unless supported by documented proof XXXX XXXX XXXX XXXX XXXX  Account No. XXXX Inquiry Disputes : These inquiries were unauthorized, and I request immediate deletion unless documented consent can be provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( multiple )
Product: Mortgage

I received an invitation to participate in a streamlined XXXX refinance through Wells Fargo Bank in their XXXX Step Refinance Program dated XXXX XXXX, 2016. I contacted the representative, XXXX XXXX and spoke to him about the details of the program. I gave XXXX all of the necessary information in order to start the refinance and spoke to the mortgage processor, XXXX XXXX the following day, XXXX XXXX, 2016. She emailed me the borrowers authorization on that day and my wife and I signed it on Thursday, XXXX XXXX and I scanned and emailed it back to her on Friday, XXXX XXXX, 2016. XXXX had promised to contact me at least once per week by cell phopne or email and keep me in the loop about loan progress. She never called me even once and kept us in the dark about the loan process. She never acknowledged receipt of the signed borrowers authorization or any other documents that I sent her, even though I emailed her several times and called and left messages several times. I finally complained to the loan officer, XXXX XXXX and he promised to fix the issues and get XXXX to communicate with us. That didn`t occur and I continued to call her until I got her on the phone. She never informed me that she didn`t receive the borrowers authorization and only spoke about proof of address. 
XXXX XXXX attempted to resolve the issues but informed me that XXXX XXXX did not respond to him either, but finally on XXXX XXXX was able to contact XXXX and determine that the borrowers authorization was missing and again my XXXX XXXX invoice proving occupancy was needed. I immediately emailed him the signed and dated borrowers authorization and XXXX XXXX invoice clearly proving that we live at the residence to be refinanced. After further complaints to XXXX XXXX and urging him to move this loan process along, XXXX XXXX contacted me by phone this afternoon and asked the same questions that had previously been answered to XXXX XXXX, the loan officer last week. 
I asked her about the XXXX and when we could expect them to be completed and about whether or not the loan would close in late XXXX. XXXX stated that since she hadn`t received the borrowers authorization until last Friday, she doubted that the loan would close in XXXX. She has completely failed to do her job ; never followed-up with me ; never replied to my emails and never acknowledged receipt of various documents that I have sent her by email. She had demonstrated her total lack of competency, her indifference and her inability to process our loan appropriately. I am confident that this is not the XXXX or last client that has been negatively affected by her lack of care and competency and blame Wells Fargo Bank for lack of supervision, lack of proper training and unwillingness to terminate ineffective and poor employees who harm their clients and customers.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX  XXXX Total fraudulent amount : {$1300.00} XXXX XXXX  XXXX Total fraudulent amount : {$300.00} XXXX XXXX XXXX Total fraudulent amount : {$370.00} XXXX XXXX Total fraudulent amount : {$3800.00} XXXX XXXX Total fraudulent amount : {$690.00} Attached is my FTC Police report, Driver license and social security to verify my claims and identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX 3. there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX, I did a bill pay at PLS CHECK CASHIERS on XXXX XXXX XXXX XXXX XXXX, Ma XXXX Of {$2700.00} and paid for a next day service Of {$2.00}. To XXXX XXXX XXXX for my Mortagage payment. On Wednesday XX/XX/XXXX, I checked my Mortagage account to see if it was updated with the payment and it wasnt. 
So I then call the PLS phone number on the receipt and I was told to come in store with the receipt, which I did. 
I spoke with the shift supervisor, she contacted PLS customer care, I spoke with the agent, the agent contacted My Mortagage company ( XXXX XXXX ) we were on a three way call trying to locate the transaction, however it was unsuccessful, the PLS agent was unable to track the funds, I was adviced to wait until XXXX for PLS to trace or locate the transaction as the funds were unable to be refunded to me until XXXX XXXX either receive the payment or reject the payment. I called the XXXX XXXX, payment was not received, I then called back PLS customer care, I filed complaint and was advice that someone will get in contact within 24hrs, which no one did so I called back and spoke with a PLS CustomerCare care manger explained to her the issue, ask if she could track the funds, and her reply was that shes unable to track or locate the funds. I asked her what must I do and she said she does not know. Its now XX/XX/XXXX and My Mortagage company still havent received this payment for XX/XX/XXXX. It is now reported to the credit bureau, which will affect the credit rating. 
Please note that I have been making payment using this method since XX/XX/XXXX. Also the account number on PLS receipt is the correct Mortagage account. 
Im just appalled that PLS was unable to track or locate the funds and seems nonchalant about the missing funds.
Product: Credit card or prepaid card

I used the XXXX XXXX service offered by our credit union, XXXX XXXX XXXX XXXX XXXX to send a payment of {$2800.00} to a credit card company. I, in error, set the payment up to go to Capital One, instead of XXXXXXXX XXXX I had set the payment up for delivery on XX/XX/XXXX. I notified my credit union of the error on XX/XX/XXXX and Capital One of the error on XX/XX/XXXX. Since we no longer had an open account with Capital One ( we had requested our account be closed on XX/XX/XXXX ) my, and my credit unions, expectation was that the payment would be refused or returned to my credit union. The steps that I have taken to resolve this issue are outlined below. Supporting documentation has been attached. 

I would appreciate any help that can be given in getting the full amount of {$2800.00} returned. 

These are the steps I have taken to try and resolve this issue : XX/XX/XXXX sent message to XXXX XXXX  notifying them of error and requesting assistance. 
XX/XX/XXXX contacted Capital One to trace payment. 
XX/XX/XXXX faxed to Capital One a letter from XXXX XXXX containing electronic tracing information. 
XX/XX/XXXX sent letter to Capital One outlining details of the transaction. 
Received letter from Capital One dated XX/XX/XXXX instructing us to file an unauthorized transaction claim with our bank. 
XX/XX/XXXX we filed an unauthorized transaction claim with XXXX XXXX. 
XX/XX/XXXX XXXX XXXX denied claim. 
XX/XX/XXXX attempted to contact XXXX XXXX directly but was told they can only speak with XXXX XXXX. 
XX/XX/XXXX through XX/XX/XXXX attempted several times to speak with and return phone calls with XXXXXXXX XXXX XXXX. Each time the representative was unable to find any file that had been opened to investigate. Messages left on the phone did not include any file or investigation identifier so that previous conversations could be found. 
XX/XX/XXXX worked with a representative from XXXX XXXX to open a case with XXXX XXXX to trace payment to Capital One. 
XX/XX/XXXX XXXX XXXX sent proof of payment to Capital One. XXXX XXXX would not release the name of the representative that sent the proof of payment. 
XX/XX/XXXX spoke with XXXX from Capital One. 
XX/XX/XXXX we received a letter from Capital One stating that a check had been sent to us for the full amount. When we didn't receive the check I contacted Capital One and was told by an account supervisor that we would have to go back to our bank [ XXXX XXXX ] and complete all of the steps we had previously done and request a new check. A XXXX call between the credit union , myself and a Capital One representative ended with Capital One telling us we would need to repeat all of the steps that we had already completed and begin a new investigation. 
XX/XX/XXXX we sent a certified letter to Capital One, Payment Investigations Division, outlining everything above. We received no response. 
XX/XX/XXXX I sent an email to XXXX XXXX, Director of Operations at Capital One requesting his help. We received no response. 
XX/XX/XXXX I sent another email to the Director of Operations and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount owed : XXXX Date : XX/XX/2022 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: Checking or savings account

I accepted a job offer that then sent me a check to purchase equipment, the company was a scam and I called Citi bank on XX/XX/year> to inform the checks were fraudulent. I was told that department was closed to call back the next day, I called back XX/XX/year> to inform Citi bank I had been scammed and the checks were fraudulent. I was told they could not stop the check from processing but that I had nothing to worry about. Later that evening of XX/XX/year> I was unable to access my account. I called back XX/XX/year> and was told my account was frozen and under review and that it would take XXXX business hours to complete review. On XX/XX/year> I received an email stating that after review my account with Citi would be closed in XXXX calendar days and would receive balances from my accounts after it was closed. I called to dispute the account closure and they could not tell me why my account was being closed and that there was no way for me to get the account closed sooner so that I may receive my available funds sooner. I spoke to several people and nobody could answer my questions or assist me further. Waiting up to 60 days for MY money is absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting

Wrong person, same name XXXX years older than me he doesnt pay dental, medical seton hospital phone bill. Im born XX/XX/XXXX. The person ruining my credit score was born XX/XX/XXXX.We have sname name. I live in XXXX Texas. This guy lives in XXXX Texas and previously XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX we purchase a XXXX XXXX XXXX from XXXX XXXX XXXX nothing that we had discuss prior was on paper and the finance charges and rate was and is super high, we didn't complaint because we needed the vehicle, We gave {$1500.00} down payment and we where promise 1st payment to be until XX/XX/XXXX. Vehicle was finance through Westlake Financial Services 1st payment was schedule for XX/XX/XXXX. Took us by surprise, we made payment on line XX/XX/XXXX for {$330.00}. During this time XXXX  XXXX XXXX asks us to take car for smog because they forgot to do it. We pay out pocket and waist time doing their work. Now, XX/XX/XXXX received a text fro sales person asking me to bring car immediately to dealer to finish DMV registration that I needed to do it today. When car was there noticed sales person being like always and said that car was being repo because we failed to make payment for being negligent and not making my car payments ; my boyfriend drove car he had just recently gone through a major surgery in  XXXX   and is carrying a temporary bag. He tried to get them to understand but they where rude. Now, I am without a car were having problems getting to work and is costing us money. Payment was confirm through my credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ERC XXXX  added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, ERC XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. 
Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX-XXXX XXXX   XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I received a bill in the mail from XXXX in XXXX, OK in the amount of {$270.00} Who ever opened an account in my name over the phone for limit of {$300.00}. Received the money above. My address was wrong they listed XXXX XXXX XXXX over 200 miles away. phone # was wrong old # I had changed last XX/XX/XXXX. I called XXXX they cancelled the card and are sending me info form to fill out form.