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

PLease note, I'm not using any third party for this matter. 
RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. 
I contacted Creditors, who conducted the inquiries and asked them to remove their credit inquiry from my credit report : XXXX date of inquiry XX/XX/2021 Data sets related to inputting of accounts were not Metro 2 Compliance Payment status data listed is mismatched, compared to other credit. 

XXXX  dare of XXXX XX/XX/2021 XXXX sets related to inputting of accounts were not Metro 2 Compliance Payment status data listed is mismatched, compared to other credit. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX sets related to inputting of accounts were not Metro 2 Compliance Payment status data listed is mismatched, compared to other credit. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX credit card  opened XX/XX/XXXX and XXXX XXXX Credit  card XXXX XXXX, XXXX XXXX credit card opened XXXX XXXX XXXX XX/XX/XXXX XXXX I do not recognize the aforementioned accounts or collections as reported. The above mentioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above and mentioned accounts and collections are the result of identity theft and fraud. I have attached all correspondence 's and a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which mat violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds, This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Mortgage

I lost my job in XXXX & lost my House on foreclosure. I was not in US & gave the Power of Attorney to my Sister. Due to miscommunication I lost my House. My House was sold for {$420000.00} in XXXX & pay off amount was less than {$410000.00} in XXXX. I contacted Plaza Mortgage more than 10 times to get my excess balance & send few emails too. So far no respond from plaza Mortgage, about my refunds & they don't give me any Information about my refund, also not paid my balance amount since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

all three reporting agencies XXXX, XXXX, Trans union are reporting erroneously my student loans. They made a change between XX/XX/XXXX and XX/XX/XXXX showing my loans all increased when all loans were suspended and it caused a drop in my credit score of XXXX points. I have recieved notification from XXXX XXXX Department of Education that all my loans have been discharged. I am providing documentation. All my loans should reflect XXXX balance per the attached statement. The agencies are reporting incorrectly this is having a negative effect on my finances. The reports need to be updated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  [ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] COMPLIANCE DEPARTMENT Experian [ Experian 's Address ] [ City, State, Zip Code ] Subject : Formal Complaint Regarding Inaccurate Reporting and Demand for Correction Dear Experian Customer Service, I am writing to formally address a serious issue regarding the inaccurate reporting of my account with XXXX XXXX XXXX, which has persisted for over XXXX years. Despite my efforts to rectify this situation, I have seen no substantial action from your agency to correct these inaccuracies. As a consumer, I feel that I have been adversely impacted by this erroneous reporting, resulting from what can only be described as the improper application of a deferment code and subsequent false reporting of a monthly accruing balance. 

XXXX. **Account Overview : ** - **Account Name : ** XXXX XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Charged-Off Amount : ** {$180.00} - **Current Balance : ** {$290.00} ( as of XX/XX/XXXX ) XXXX. **Nature of the Complaint : ** For more than six years, I have been attempting to address the following discrepancies in my credit report : - The deferment code applied to my alleged account appears to be misplaced, leading to an inaccurate monthly accruing balance despite the account being charged off at {$180.00}. The current balance of {$290.00} is unjust and misrepresents my financial history. 
- This false reporting has negatively affected my credit score and has led to unwarranted financial and emotional distress. 

XXXX. **Legal Standpoint : ** Under the Fair Credit Reporting Act, consumers are entitled to accurate and fair reporting of their financial history. The intentional or negligent reporting of erroneous information can be deemed a violation of these rights. As such, I demand immediate action to rectify this situation. 

XXXX. **Demand for Compensation : ** I believe that as a result of this incorrect reporting, I have experienced financial damage. Therefore, I request compensation commensurate with the distress and financial impact I have suffered due to your agencys failure to report accurately and promptly correct these errors. 

XXXX. **Immediate Actions Required : ** - Conduct a thorough investigation into the reporting inaccuracies of the XXXX XXXX XXXX account. 
- Remove the false deferment code and correct the account balance to reflect the accurate status of the account. 
- Provide written confirmation of the corrections made and a copy of the updated credit report reflecting these changes. 

Please consider this letter as a formal complaint, and I expect a prompt response within 14 days as mandated by law. Should I not receive a satisfactory response, I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau and seek legal advice. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ] ---
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that credit karma Equifax XXXX and XXXX is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 


Inquiries : Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and XXXX have got into the hands of the wrong person.
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 U.S.C 1681. ACCT Name : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus 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 Balance : {$4000.00}
Product: Checking or savings account

On XX/XX/2019 I went to a drive thru atm machine for Bank Of America, located on XXXX XXXX, made a deposit of {$1000.00} in cash, the machine started not giving me any next or continue options but took my cash instead and gave me back my card, right away I called the number posted in the machine and started a claim. I was given a temporary credit of {$1000.00} until they can check and see what happened. 30 days later I was given a credit for {$1000.00} which was taken away from my account on XX/XX/19. Now I received a letter stating they made an error with crediting me {$1000.00} and that from my deposit was only missing {$100.00} not {$1000.00} and they will take away now another {$900.00} on XX/XX/19. I called Bank of America because why tehy gave me the {$1000.00} missing, then taken away. I was told they made a mistake and they are going to take another {$900.00}. I explained that if they never found my money why was the credit given and they said it was an error oops I'm sorry. On my end i knew my claim was done and resolved and the credit was given and now they said it was a mistake. They said is nothing they can do but I was misled and still missing my deposit and I have to pay for their error! I don't think that a big corporation can make such kind of mistake and then say, sorry there is nothing we can do! My money shouldn't be taken away for their mistakes. I didn't do anything wrong I follow every step they asked.
Product: Credit reporting

I have been a victim of Identity Theft. It is affecting my credit report. Please look into this. Thank you.
Product: Mortgage

Wells Fargo is refusing to allow me to come out of forbearance and resume making payments. My mortgage was current when I went into forbearance ( never paid late ). My first request to come out of forbearance was on XX/XX/2021 and the associate at Wells Fargo told me I was being taken out of forbearance and would receive a letter within 14 days. She said I would have 30-90 days to choose a program option for dealing with the amount of money that is owed due to forbebearance. I did not receive a letter and have since called back numerous times and each time I get a difference answer depending on who we talk with. I was told today by Wells Fargo that the FHA has placed all forbearances on hold and I can not come out of forbearance and resume making payments until the FHA releases the hold. I can find no such evidence of the FHA putting forbearances on hold on the FHA website. I am getting nowhere with Wells Fargo on this matter and feel that Wells Fargo is holding me hostage at this point.
Product: Debt collection

I have n't had a medical collection in many years and do not owe any medical bills. These are false and can not be validated Central Fin Control #  XXXX  {$2600.00} " " #  XXXX  {$1100.00} " " #  XXXX  {$800.00} " " #  XXXX  {$800.00} " " #  XXXX  {$2600.00} " " #  XXXX  {$2100.00} " " #  XXXX  {$810.00} These are false and again can not be validated nor verified
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion I have filed a report with the FTC. I do not recognize any of this stuff. I can't believe how my credit has been run. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

Nelnet I do not accept your offer of a Bident-Harris loan federal loan forgiveness in which is illegal in this case because the federal consolidation was terminated XXXX by the U.S Department of Education General Counselor . ( 2 ) The Biden-Harris federal student loan forgiveness plan is for federal lenders Nelnet your federal consolidation loan was not orginated from a federal lender. ( 3 ) The U.S. Department of Education does not own the federal consolidation loan. ( 4 ) The borrower for Biden-Harris federal student loan forgiveness have to apply and I did not apply for a federal student loan forgiveness plan. I do not need a federal student loan forgiveness. ( 5 ) Nelnet remove my I dentity from a Biden-Harris federal student loan forgiveness because it consist of your fraud. Nelnet do not apply my name on any document without my consent. Nelnet you are not my student loan servicer. Nelnet the U.S. Department of Education wrote XX/XX/XXXX for no student loan servicer to service the federal consolidation. Nelnet the federal consolidation never had a a federal lender and was rejected by the U.S Department of Education General Counselor on XX/XX/XXXX before your fraudulent Biden-Harris federal loan forgiveness in which I did not consent nor applied for. The XX/XX/XXXX termination of federal consoldation loan still stands. Nelnet immediately remove my identification from your fraudulent XXXX XXXX XXXX forgiveness in which I did not consent and you have no authority on this federal consolidation. Nelnet I repeat you are not my student loan servicer and if you have any problems Nelnet send your Agreement between the U.S. Department of Education for Nelnet to service the federal consolidation loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi thank you for the opportunity to present the serious errors on my credit file and back and forth issues I am having with the credit bureaus. I have accounts that do not belong to me on my credit report. I also have accounts statuses listed as late on accounts that have always been current. I have even sent in letters from the companies to the bureaus to show proof and this is STILL not corrected. The power the bureaus have over the people is unconstitutional and not aligned with the consumer laws. In Title 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer the bureaus are to get full consent from me to do anything with my file. Here I am having to file complaints and court proceeding just to make them correct what needs to be corrected. The accounts XXXX  XXXX, XXXX XXXX and XXXX do not belong on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called in a few times about the correct, true, and compliant reporting according to FCRA by way of credit bureaus receiving data by XXXX through XXXX XXXX compliance. Every company sending data by XXXX must be compliant by XXXX XXXX standards. I spoke with a few foreign reps for Transunion, who had no clue of what this was, then asked to be transferred to a representative in the XXXX. I get a smug guy. He admits he knows what this means but has no clue how any of the " so-called '' creditors or collection agencies actually do their verification to solidify that any account is the consumer 's account. Being that he admitted this, I asked him to please send our conversation transcript to a supervisor. He asked me to hold on and I did. About 5 minutes later, the phone hangs up. This was my second time calling in the past week. I 've been actually sending them letters because I have a few accounts that I " challenge '' the validity of by way of XXXX XXXX compliance. These " so-called '' companies are NOT at all true and correct in reporting by simply sending the words " Unspecific dispute but verified ''. My challenge letters were very SPECIFIC and are attached. Trans Union and these companies keep playing volleyball with my credit as the ball, making me the net, and and have no clue as to how these companies have verified anything which is against FCRA. Under FCRA XXXX XXXX XXXX, every single one even each and any and all of the unproven not compliant, untrue, incomplete, incorrect, and/or unverified aspects of any alleged derogatory accounts must be promptly annulled in its entirety or even the whole of the claimed accounts are to be deleted. I have been dealing with this since XXXX with Transunion and these non-compliant companies. I am very disappointed because I am in the process of using my XXXX home loan benefit to acquire a home for my family. I ca n't do so with such non-compliance. Every American should be appalled, upset, and angry at such non-compliance and abuse of power.