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

As of XX/XX/XXXX, requested inquires to be removed from your files : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding inaccuracies in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by over 30 companies. 

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 XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under law 15 U.S.C 1681B A 2 Without my written constructions to furnish the account on my report they can not have this account reporting to my credit report.

15 U.S.C 1681 4 I have the right to privacy i want nothing furnished on my credit report without my written consent. 

Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Finance Account # XXXX XXXX XXXX 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 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 item and update it immediately in my report : XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681eb Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

XXXX XXXX has made repeated phone calls to several family members and XXXX friends. They already know my direct contact number. They have already spoken to me and my father, who has assured them we are trying our best to fix this. They started calling before I had even graduated. They are aware I do not currently have a job. They call my entire immediate family several times a day for weeks now. Then the started calling my XXXX contacts.
Product: Checking or savings account

I received a fairly large check from the state of Ohio for unemployment. I opened an account with XXXX and deposited my check only to have. A restriction put on my account and I went through XXXX days of saying they just needed to verify from Ohio that the check was from them after XXXX phone calls. They finally were able to verify I was told by a supervisor within XXXX minutes to hold will be released for my check, only to call in and be told it could take up to an hour hour goes by. I call in They tell me.they cant do it XXXX has already cashed the check they already verified. It was legit. I need my money. I cant wait. I dont wan na hold. Everything is legitimate, horrible customer treatment, and too many people telling me too many different things XXXX at the verge of loosing my house and need these funds
Product: Debt collection

XXXX from XXXX calls me back to back if i ignore the phone calls. Also he calls representing XXXX bank from a different company with whom i do not even have a relationship and insists on me " verifying '' my SSN with him.
Product: Money transfer, virtual currency, or money service

XXXX {$800.00} XXXX Transaction XXXX 
I was trying to put a deposit for a puppy. I bank at TD bank. The seller XXXX XXXX XXXX asked me to send the money zelle. Within an hour i began to get contacted by XXXX XXXX XXXX XXXX XXXX who wanted me to send more money for transport. I contacted TD bank the same day and they told me XXXX is instant and im out of luck with getting my money back. I also called XXXX directly and they said go to your bank. 

I did log a complaint with the Federal bureau of investigation. Internet XXXX- i never heard anything.
Product: Checking or savings account

On XX/XX/XXXX My Navy federal debit card was stolen and fraudulent transaction occurred. I notified them the following day. After a 10 day investigation my claim was denied. I submitted my second claim over 2 weeks ago, and I still not gotten a response or received my funds that were stolen frome me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask XXXX XXXX XXXX XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXX XXXX XXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Product: Mortgage

On XXXX XXXX, XXXX  I filed a XXXX. XXXX BK as the property was titled to the XXXX XXXX XXXX XXXX. XXXX XXXX. On the day of foreclosure, XXXX, XXXX  the law firm of XXXX XXXX arranged a hearing one hour before the sale ended at XXXX P.XXXX. in the BK court to set aside the automatic stay. XXXX claimed I had filed the XXXX pro se when the papers clearly stated that my brother, XXXX XXXX XXXX, XXXX, a liscenced attorney was representing me. I asked the Judge to allow me to bring in a close friend, also an attorney in and she denied my request. Four attorneys for Wells Fargo spoke at the hearing purposely running up the clock. At approx. XXXX the Judge lifted the automatic stay ; at XXXX XXXX  Auction.com put the property back on their web site. At XXXX XXXX XXXX. my home of 26 years was auctioned off as an R.E.O. property. There was no one that late in the afternoon at the courthouse to bid on the property. I, personally, had the money to bid on my own house but did not have time to make it to the auction in XXXX minutes from the courthouse downtown XXXX to XXXX XXXX. 
The BK court did not enter into the court records ( docket ) the lift of stay until XXXX XXXX. after the foreclosure auction took place. This alone should have overturned the foreclosure sale as a wrongful foreclosure. A wrongful foreclosure suit was file and finally right around the time of Covid19 my attorney XXXX XXXX and attorney XXXX XXXXXXXX XXXX XXXX XXXXXXXX through a third party entered an agreement to sell the property to a third party for {$450000.00} and I would drop my lawsuit. After numerous calls to my attorney he suddenly appeared over the phone and informed me he XXXX  up and let the contract expire. We renegotiated and agreed to pay a higher price of {$490000.00} and XXXX XXXX refused. We later went to XXXX, XXXX 's corporate office in the XXXX, XXXX Building and offer to tender a cashier 's check for {$490000.00} and was again refused. Now, the property went on the market for {$490000.00} and another company is planning to buy the house. XXXX XXXX, rightful owner simply wants his house back and has the money to do so through a third party.because they refuse to sell it back to me personally.
Product: Checking or savings account

This dispute is with chime they are my current company I bank with. On XX/XX/XXXX of XXXX I was XXXX XXXX XXXX until XX/XX/XXXX. Upon getting out I discovered several unauthorized charges on my chime account. ( I discovered these charges after a few days of trying to remember my pass codes etc ) after finally getting in my account & noticing these charges I immediately called chime & informed them of all these charges which have all been listed below. I also filed a police report of this charges to further validate my claim that this wasn't done by myself. I told them my card had been missing along with my phone & everything of my personal property including my car. This very well could have give this person access to the pin number if it was used to make these charges on my account. Several of these charges are done online & even one charge was done account 2 account ( the receiver has a chime account ) I even emailed a copy of my XXXX XXXX proving further that I was in XXXX  while these charges were being made 2 my account. I was told the claims were closed out & they weren't going to be refunding any of the funds that had been spent on my account to total roughly XXXX $! They told me that the charges were authorized even though I had just been released XXXX XXXX & had no way of making these charges myself nor able to have anyone make these charges for me to make them " authorized " I don't know what to do or where to turn next to get these funds back hopefully you can tell me or point me in the right direction. Thanx so much for your time below is a list of the charges to my account & the places & dates they were made on my account! 

XXXX XXXX phone transfer- {$50.00} XXXX XXXX {$18.00} XXXX phone XXXX- {$15.00} XXXX XXXX XXXX- {$25.00} XXXX XXXX XXXX  {$13.00} XXXX XXXX  payment- {$200.00} XXXX XXXX  XXXX {$75.00} XXXX XXXX {$10.00} XXXX XXXX {$18.00} XXXXXXXX XXXX XXXX {$10.00} XXXX XXXX {$21.00} XXXX XXXXXXXX  payment- {$31.00} XXXXXXXX XXXX- {$1.00} XXXXXXXX XXXX  - {$1.00} Please keep in mind I was in XXXXXXXX XXXX  from XXXX even the XXXX payments weren't made to my XXXX account as these were made to an account XXXX XXXX XXXX  Thank you!
Product: Debt collection

To XXXX Today at XXXX NOTIFICATION REGARDING CASE XXXX XXXX SSN : XXXX ROUTING NUMBER : XXXX CASE NUMBER- XXXX PENDING AMOUNT : {$990.00} SETTLEMENT AMOUNT : - {$430.00} Defendant XXXX We are hereby informing you that my client XXXX is going to file a legal case against you at District Court XXXX Your total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case. 

Be notified that documents are being prepared for the issue of summons regarding the above debt. 

JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged. 

( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit. 

FAILURE to make payment after judgment of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. 

( d ) Bankruptcy or liquidation If you are willing to resolve this case then we can provide you a onetime settlement offer of {$430.00} that has to be paid by Today as paid in full with XXXX balance. 

Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment. 

You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is {$430.00} in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious. 

If we have n't received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay {$4000.00} in front of the judiciary and then the settlement amount {$430.00} will not be acceptable. 

NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH ( XXXX-XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 

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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # A XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit card or prepaid card

The Georgia Goprogram card there is no way of reaching customer service. The number does not give you an option for customer service or to transfer your balance the number is XXXX. The website does not give you an option to transfer your balance either. I would like to transfer my balance to my regular account and close this card.
Product: Debt collection

I had an auto loan through Ally. The car was totaled and I was told the gap insurance did not cover it. The account was sent to collection ( XXXX XXXX ). I called into XXXX and agreed to a settlement amount of {$330.00}, of which I would make a monthly payment of $ XXXX month starting XX/XX/XXXX. I set up automatic payments. The last payment was made on XX/XX/XXXX. XXXX never sent me any confirmation, nor did they send Ally confirmation and they are stating I still owe the entire balance. Please help!!! I have attached my bank account statement showing where I made all 10 payments.
Product: Debt collection

XXXX XXXX used XXXX different collection agencies to settle a {$360.00} debt. Those collection agencies were XXXX and AFNI. Again they are the same debt. I settled with XXXX and am no longer in an outstanding status with them. AFNI still shows that I owe the same amount I already settled with XXXX. It is harming my credit by remaining open and outstanding when I in fact paid and settled.
Product: Checking or savings account

Ok well on XX/XX/year> my debit card was stolen after i gave a couple ppl a ride. On XX/XX/XXXX my card was used illegally at a XXXX store and an atm. Well i was informed of who done it and filed police report then disputed it. Well citi bank permenatly credited the atm XXXXne but the other 2 they didnt. Now all 3 of these happened the same day at the same place and time period and i wasnt anywhere near them i was home. And i got a text my card was used. So what i dont understand is what kind of investagation was done cause they say 1 unathorized but the other 2 wasnt and they decieded this in a day. They didnt even wait for me to send in my evidence or police report or pull camera feed. And how can 1 be true and 2 not when they happened same time and place. They didnt preform a proper investagtion
Product: Credit reporting

I have informed XXXX about fraud and identity theft on my account on XX/XX/2015.I send many letter to XXXX and credit bureaus to inquire incorrect items.Its still showing negative item and my job was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/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 XXXX XXXX  XX/XX/XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I applied for a loan modification to save my home from foreclosure with my servicer Ocwen. The loan is in the name of my late husband 's estate. I am the executor of the estate and the court has already appointment me executor of his estate, the home is in my name and I live in the property. Ocwen states they will not review me for a loan modification without assuming the loan first. I have hired an attorney to help me with the application and they are in contact with Ocwen. However, Ocwen now states my attorney nor myself can talk directly with the assumption department. They said I have to send all inquiries in writing. My attorney faxed a written inquiry to Ocwen 's assumption department on XXXX/XXXX/2016. To date, no one from Ocwen has responded and they still will not allow me to speak with the assumption department. How am I supposed to get an assumption if I can not speak with that department to ask questions regarding the process??? I am hoping this complaint forces them to talk with my attorney. It makes NO sense Ocwen says I have to apply for an assumption, however they REFUSE to allow me or my attorney to speak with the department that handles the assumptions. I have some questions as to what I can do to qualify. My point of contact has ZERO information regarding the subject and every time I try and discuss it with him, he merely tells my attorney that we have to submit it in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX   XXXX not mine
Product: Credit card

XXXX refuses to to refund my money which comes to {$120.00} for antivirus software I tried to download but couldn, t but they charged my credit card anyway.I notified them XXXX times but they stopped answering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX states XXXX verified a Bankruptcy. No Bankruptcy in XXXX data base. Delete Bankruptcy do NOT UPDATE! Govt job denied because Experian reported a Bankruptcy. FCRA violations 15 US 1681, 15 US 1681 ( a ) et. al. Violation of privacy, no Permission to report without permission. Causing me injury to provide for family. Obey the law remove this from my credit report. Sent letter from XXXX stating not verified, deleted from XXXX data bank. Possibly discrimination and bias, my second complaint. Would like a statement from Experian and XXXX under penalty of perjury they verified this bankruptcy! Delete immediately. Will fie complaint with the FTC to insure an unbiased reinvestigation and a removal of this bankruptcy off my credit report without prejudice.
Product: Debt collection

XXXX XXXX XXXX XXXX/XXXX XXXX evidently turned over an unknown account to a collection company called Convergent. I have not received any correspondence from this company or phone calls. I work for a small company as in order to purchase office supplies, etc., I have a business account. My BOSS, my BOSS, came into me this morning and handed me a collection bill that was sent to HIS HOME. Again, the boss of my company received a collection notice with my name mailed to his HOME ADDRESS. I have never used his home address but have been told as an add on to his business card, it is possible his address is listed on my credit report. This company said that had my current home address but changed it to my Bosses home address. I am mortified. The representative for Convergent could not give me any answer as to why and his supervisor only told him to be a " cease contact '' in my profile to no longer contact me. I need to they could have attained my bosses HOME address, not work and how it is legal for them to send any personal correspondence about me without verifying addresses. I am worried I am going to lose my job. I need explanation from this company and what resources I can take towards releasing personal information to my employers home address.