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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted my mortgage company by phone, to get my information on a total pay off for my mortgage. The total amount for the pay off was giving to me. Once I applied for the load amount to pay of the mortgage loan it was denied. First Citizens Bank of XXXX XXXX XXXX XXXX, XXXX XXXX whom I spoke with at the Bank that holed the mortgage on my home mortgage, reported on my credit, which took 30 points of my credit score. denied my approval to pay of my home mortgage loan.
Product: Checking or savings account

Wells Fargo Bank has fail again and again. In other words they are good THIEVES. They are not taking responsibility on the money that my mother deposit at their branch. They are washing their dirty hands so easily with the 7 years records. Well, I Demand to Wells Fargo Bank to provide annual statements of the CD ( Time Account ) statements as well renewal notices! We demand proof of delivery of such notices with the US Postal office stamp showing the date of mailing. Also any actions they did with the account my mother XXXX XXXX XXXX opened at Wells Fargo Bank on XXXX, Account Number : XXXX in the amount of {$10000.00}. 
Per my prior filings Wells Fargo Bank representatives fail there procedures and negligence in contacting my mother each year about her Time Account CD renewals. I know Wells Fargo Bank representative mix up driver license when the account data was inputted so they can not find my mother with the CA driver license, however if they ask her for her social security number, then you can locate all her accounts with Wells Fargo Bank. The bank representatives are lazy and do not go beyond their job responsibilities to research and investigate. So the times she went to a local branch they claimed no such account. Any way on XX/XX/XXXX they found her CD account by inputting her social security number. Once again the bank representative inputted the wrong Driver license, so with that they can not find my mother 's CD account. I have asked them to search driver license CUSTOMER ID/DL : WRONG : XXXX, Date of birth : XX/XX/XXXX CORRECT : XXXX. So my mother has asked Wells Fargo Bank to give her deposit money {$10000.00} plus the accrue interests of XXXX from XXXX to the present. Wells Fargo Bank has fail again and again in performing their duty to the customer. Instead they have been quiet and that shows that they do not know how to activate a dormant account to pay it off. So due to the fact that this CD account is insured by the FDIC guarantee of up to {$250000.00}. My mother request the insurance to be pay as soon as possible on her account. If this money does not get pay them that shows to us that some bank people are thieves and they are not following procedures and guidelines and they should be penalized by government entities for failure. 

WE ALSO DEMAND! THAT CFPB ask the Federal Deposit Insurance Corporation to pay off the insurance of the deposited money to XXXX XXXX XXXX with accrue interests immediately!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning a persistent issue with my credit report that has severely impacted my financial well-being. Despite my efforts, this matter has remained unresolved since XX/XX/XXXX. 

In XX/XX/XXXX, I discovered a fraudulent XXXX XXXX account on my credit report, with the account number XXXX. Despite numerous attempts to rectify this issue with the credit bureau, including providing all necessary documentation, the account has been reinserted into my credit report. This ongoing issue has caused me significant stress and frustration. 

In an effort to resolve this matter and alleviate the associated stress, I decided to pay the account, despite its fraudulent nature. However, the account remains on my credit report with the following details : Current Payment Status : In Collections/Charge-off ( 15 USC 1681i ) Remarks : Payment after charge off/collection ; Dispute resolved; reported by grantor ( 15 USC 1681s-2 ) Times XX/XX/XXXX Days XXXX : ( 15 USC 1681i ) Closed As Of : XX/XX/XXXX Additionally, the credit bureau removed the account at XXXX point XXXX only to reinsert it later. This cycle of removal and reinsertion led me to pay the account in hopes of resolving the issue, but the account remains unresolved. I also requested validation from the creditor and completed an identity theft affidavit, yet the account persists on my report. 

For your reference, I previously filed a complaint on XX/XX/XXXX, under COMPLAINT ID XXXX & XXXX. However, the response addressed a different account, an auto loan with reference number XXXX. The account I am disputing is the XXXX XXXX account mentioned above. 

Thank you for your attention to this matter. Please contact me if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A ) On XXXX, I submitted a complaint with CFPB about my credit file being mixed with someone else 's on Equifax 's computer generated authentication question system. 

B ) The CFPB send me, on XXXX, a reply that the case was closed because the company responded. 

C ) The company 's response neither addresses nor repaired the problem. Since the CFPB closed the case, I have no choice but to open this new case. 

D ) Rather than putting copious details here, please refer to Case # XXXX. 

E ) Very Brief Summary : When someone calls Equifax or tries to set up an account at My Social Security.gov XXXX and others ), a series of questions are presented by an automated system. The questions are meant to verify one 's identity by asking details about the person 's credit history. 
The company Equifax has me mixed with someone else on the computer phone system. 
The questions asked do not apply to me. ( Examples- 1 ) Previous Name. I have no previous name 2- Former Address The choices are for states in which I have never lived 3- Current Auto Lease Payment. I have never leased an auto & have no current leases of any kind. There are more.
Product: Credit reporting or other personal consumer reports

In a card with the fail, credit reporting act the list of companies below has violated my federal protected consumer rights to privacy and confidentiality on the 15 USC 1681.account name XXXX XXXX XXXX # XXXX account name XXXX : # XXXX account name XXXX XXXX XXXX XXXX XXXXXXXX account name XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX, has violated my rights. 

I looked at my TransUion credit report on XX/XX/year> and notice some things are incomplete and not accurate and according to the fair credit reporting act when every consumer reporting agency prepares a consumer report in shelf follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report release according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 They are supposed to do this ( 5 ) Treatment of inaccuracy Or unverifiable information ( A ) In generel, after any reinvestigation under a paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or Incomplete or can not be verified the consumer reporting is shall- ( i ) Probably delete that item of information from the file of the consumer, or modified that item of information, as appropriate based on the results of the reinvestigation ; ( ii ) Properly notified the furniture of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 They are supposed to not furnish any information related to a consumer to any consumer reporting agent if the person knows or has reasonable codes to believe that the information is inaccurate
Product: Debt collection

I have not had XXXX XXXX for approximately five years. I have never had Dish call me or send me mail stating I owed them money, and I do not agree that I owe them anything. Suddenly after all these years Diversified consultants began calling me, however they refuse to give me information without me telling them my social security number when they are cold calling me.They have not sent me a single notification by mail though it has been more than a month since they first called me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Section 602 ( a ), consumer reporting agencies are required to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and Experian, as consumer reporting agencies, must adhere to these legal obligations, and as a consumer, I have the right to ensure my private information is not shared without my consent.

Furthermore, 15 U.S.C. 6801 establishes that financial institutions have an ongoing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. Under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer to whom it relates. I have not provided, nor do I provide, such consentverbally, non-verbally, in writing, implied, or otherwiseto XXXX, Experian, or any furnisher of information to these agencies. Any prior consent is hereby revoked. 

Additionally, 15 U.S.C. 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an opportunity to opt out. I was never informed of my right to exercise this nondisclosure option.

Moreover, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a consumer report if they are more than seven years old, except for criminal convictions. The account being reported is an adverse item and is being furnished without my consent, in violation of federal law.

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Additionally, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations of Section 1681c and to limit the furnishing of consumer reports to legally authorized purposes. Based on these provisions, it is evident that XXXX and Experian are not maintaining reasonable compliance procedures. 

Lastly, under 12 CFR 1016.7, consumers have the right to opt out of certain reporting services at any time. I am hereby exercising my right to opt out of your reporting services and request that my information no longer be furnished or reported.

Please confirm your compliance with this request in writing. Failure to adhere to these legal provisions may result in further action. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Chase bank has significantly lowered credit line on 2 personal credit cards the same week that the card/s were paid down by 48k+. They gave no notice. When asked, Chase bank stated that this was a random check and it had nothing to do with the cards being paid down/off. This happened within 3 days of payment to chase bank. Clearly, the bank doesnt want to allow the previous credit line and has taken it upon themselves to change the credit line to within 1,000 of current balance. They never reached out to me but state otherwise without providing details on how they attempted to contact me. Chase bank refuses to change there position. This clearly is a reach by the bank that has put myself in a dire financial situation. If they are doing this to me Im sure this must be ongoing with most customers during this financial crisis the Country finds itself in. Unethical treatment and outright abuse of myself without explanation is shameful and in order of significant investigation into this practice by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX ; XXXX XXXX; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I was a Wells Fargo customer. They switched my account to a different type of account after a year then began to charge me monthly fees on both accounts. This resulted in my moving to another bank but not before I was hit with tons of over draft fees and a account closure notice.
Product: Debt collection

AMERASSIST AR SOLUTION last activity date of report : XX/XX/2021 account number : XXXX I called them asking for validation and they naver provided any king of document that i owed that debt, remove that account from my report as soon as possible. thanks.
Product: Consumer Loan

American Credit Acceptance has repeatedly contacted me at my work phone number even after I had asked them XXXX to not contact me at that number
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized credit inquiries from my TransUnion credit report. Upon thoroughly reviewing my latest credit report, I observed four credit inquiries that I did not authorize nor recognize. Therefore, I am disputing these inquiries and am requesting their immediate removal from my credit report. 

The unauthorized inquiries are detailed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I kindly request a comprehensive investigation into these inquiries and urge you to take prompt action to have them expunged from my credit report. The presence of these unauthorized inquiries is adversely affecting my creditworthiness and hampering my ability to obtain new credit opportunities. Furthermore, I would like to receive a detailed report of your findings within 30 days. 

Additionally, I would appreciate it if you could furnish me with a copy of my credit report once this issue has been satisfactorily resolved. 

Thank you for your attention to this matter and prompt action to rectify it. I eagerly await your response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Someone stole my debit card and used purchases. I couldnt access account as phone was broke and online didnt have where could disable card. I was able to change pin that stopped new purchases although the thief had card to an account he kept using. He spent {$800.00} before I got new phone to use the CashApp app to cancel card. The CashApp debit card did get refunded for some of charges. Yet they saying I authorized what I didnt authorized. I am contacting the merchant and they keep having me fill out this detail sheet and nothing changing as they asked me to fill out detail sheet about three times. I cant call and explain to either company for they seem not to have anyone to speak with on this issue. 

Here are all transactions of fraud to my account. 

XX/XX/XXXX. {$15.00} XX/XX/XXXX. {$59.00} XX/XX/XXXX. {$11.00} XX/XX/XXXX. {$13.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$19.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$54.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$1.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$26.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$12.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$7.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$14.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$16.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$18.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$9.00}. 
XX/XX/XXXX. {$7.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$14.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$15.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$3.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$16.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$12.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$10.00} If you could help recover stole funds, that be so helpful.
Product: Credit card

On XX/XX/XXXX, I booked XXXX XXXX tickets on American Express XXXX XXXX from XXXX to XXXX. I cancelled these XXXX tickets within XXXX minutes of booking because i saw cheaper tickets via XXXX Airlines on the same travel portal. XXXX XXXX XXXX XXXX XXXX You can cancel the tickets within XXXX hours for full refund to your original form of payment, in this case, my credit card. I cancelled the delta tickets and got email confirmation that the tickets had been cancelled and the full payment had been refunded to my card. I was going to use the 'plan it ' feature by American express XXXX pay for my tickets ( instalments ). Now, XXXX has notified me of refund but these charges still show on my American express statement. I have reached out to AMEX customer care but they keep saying the charge will fall off by itself after sometime but this hasn't happened. please assist to dispute this charge as these delta tickets ( XXXX ) is not longer live. i do not want any airline credits instead, i want my full refund to card as promised.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated co report after your reinvestigation.
Product: Mortgage

On XX/XX/2019, I completed a blanket online refinance inquiry form. Upon completing it, I immediately received a call from XXXX XXXX from Amerisave Mortgage. He briefly explained how Amerisave was voted number 1 in customer service and how they could best service our refinance. He described how, if we agreed to the terms by the end of the evening, we would receive our appraisal fee back at closing. He also camouflaged our fees, stating that it was " basically like a free mortgage '' because we would be getting some money back at closing. Their rates were very competitive so we agree to move forward. Communication was okay up to the date of our appraisal. The appraisal was terrible. In no way it even remotely acceptable. I contacted Amerisave and spoke with XXXX XXXX, XXXX assistant. ( After the initial conversation, I never heard from XXXX again ). XXXX reviewed the appraisal and agreed that the comps were not appropriate and said he would request that it be reviewed. He instructed us the next steps and told me to get CMAs from real estate agents as evidence. The next day, I received an online notice that our loan had been denied due to incomplete information. At that point, all communication stopped. I reached out to the appraisal company and got a second appraisal, it did improve but was not where it should have been so I had two real estate agents pull rolling CMAs and they both came in about where we should have been. I submitted all of this information and never received a response. After weeks of calling, emailing, and leaving voicemails, I finally got a hold of XXXX 's boss, XXXX XXXX. He was very apologetic and ensured me that they would get us taken care of. He stated XXXX and XXXX would be held accountable for their behavior. He would be handing out file over to one of his direct reports and I should hear something by Monday. He promised that we would get our loan reopened and reviewed in hopes of having it funded. We have never heard another word. Neither did the appraisal company. I had to send over a copy of the screen shot or our loan denial due to " incomplete application '' to finally get a copy of the appraisal we had paid for ( {$500.00} ). Amerisave gave false promises, lured us in under false pretenses, and failed to follow through on their side resulting in the loss of a consumer 's {$500.00}, countless hours, and the clean up confusion with our current mortgage companies expecting to be paid out. This, next to a rental car company, has been the worst consumer conspiracy experience we have ever encountered.