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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX Balance XXXX {$5700.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX/XXXX ... .National Credit Cards/Airlines 4.XXXX XXXX .... 
inquiry date : XXXX inquiry date : XXXX 2.XXXX/XXXX .... 5. XXXX XXXX .... 
inquiry date : XX/XX/XXXX inquiry date : XXXX 3.XXXX .... 6.  XXXX XXXX ... 
inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX
Product: Mortgage

I tried to refinance my manufactured home last year with my mortgage company only to find out that when we first purchased our home the title was never transferred to our name. Now Green Tree Finance Company refuses to produce the title so we can get the title put in our name and detitled so we can refinance. My mortgage company XXXX XXXX refuses to help me in this process. I now forced to hire an attorney which we can not afford.
Product: Money transfer, virtual currency, or money service

I initially filed a complaint # XXXX ( see attached ). I thought that the response from Chase Bank would resolve the problem. In essence, a credit card payment from a Chase credit card was never received by the vendor. We show the transaction taking the funds from our account but Chase would do nothing to assist us in working with the vendor - the basis of the complaint. Chase, in response to the complaint, provided transaction information which we shared with the vendor. The vendor could not use the information and replied with a statement ( in Spanish ) which we submitted to Chase Bank. Chase has not acted on this letter so I ask that the complaint be reinstated or a new complaint be raised based on the initial complaint. I have attached some of the relevant documents.
Product: Credit reporting

Back on XX/XX/2015, I had my credit filed pulled from all XXXX credit bureaus on my XXXX birthday. It was discovered there was a XXXX account that was in serious delinquency status. I did not have a credit card, I immediately called XXXX and after fight with them got them to give me more information. This card was register to a XXXX XXXX, not to me. They said I was added as a authorized user for this card, but I never consented to such thing. They also stated even if I was it should n't be reported as your not financial responsible for the debt, I was removed as a authorized user on the card, I filled disputes with all XXXX credit agencies XXXX, Equifax and XXXX. XXXX and XXXX removed it from my credit card my very first dispute. Equifax no that the account belonged to me, I called Equifax and they advised I needed to have a letter from XXXX. I called XXXX back and requested a letter from them to have this removed. The gave me letter ( which was against their policy ) in which I submitted with my 2nd dispute. This dispute came back the same thing, I called XXXX they offered to do a conference call but Equifax declined and disconnected call, per XXXX they sent me their terms and agreements for the Authorized user cards and Fraud accounts to help with my Dispute. I disputed it again with this information and with the letter and got the SAME outcome. I filled another dispute immediately and this time included a statement letter with what I experiencing with them and not with anyone else. After the investigation I FINALLY got it to the " association terminated '' status. I was n't at all happy with this I had no fight left to file another dispute I left it at that I felt like I had no choice. I could n't use ANYONE that reported with Equifax for lender decisions, when I applied for a car loan and was denied I finally asked what is it that I was denied for. They specifically stated, " there was something for XXXX on their. '' I told them it should say association terminated, they said it did n't. So, I pulled my report for all XXXX once again, XXXX and XXXX are still not reporting but sure enough Equifax was reporting this as a CHARGEDOFF credit card, I disputed it immediately and got a different response The following disputed account or inquiry is currently not reporting on your Equifax credit file : unknown when I called they Equifax they said it was denied because it was mine. It was not removed STILL I was confused and frustrated and hung up I called them again and called XXXX did a silent Conference call, letting XXXX listen to what Equifax was saying, I revealed that I had XXXX on the Line and the rep stated everything I did throughout all my disputes. And asked what I needed they want something in a " emessage '' requesting to have the item removed. They do not have such a thing, as soon as the conference call started Equifax ended it. And here I am as a last resort to get this handled. I was XXXX when I was added to that card without my permission, disputed it at XXXX and now at almost XXXX I am going on 3 years with no resolve I am stuck.
Product: Credit reporting or other personal consumer reports

EQUIFAX is violating my right to privacy under the FCRA with regards to inquiries without proper documentation. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Unless the companies who inquired were directly affiliated with EQUIFAX, consent from the consumer is required before EQUIFAX can report non public information. Absent consent or waiver, EQUIFAX is in violation of FCRA and can be held to damages per incident per day. The following inquiries must be deleted or EQUIFAX must provide consent or waiver documents to report this nonpublic information. NOT ASKING FOR VERIFICATION BUT ASKING FOR DOOCUMENTS COPIES TO PROVE VALIDITY OF INQUIRIES : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

National Credit Systems , Inc has failed to properly submit verification method of a debt that the original creditor placed on my credit report in XXXX of XXXX. Last payment that was paid on the account was XX/XX/XXXX in which the statue of limitations for the State of Texas is a total of 4 years. 
Its a violation of the collection practices act for a debt collector to refuse to send a fail to respond to a verification letter. Relying on an automated third-party system called XXXX is not a valid method of verification according to the Fair Debt Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries that I did not authorize.

1 ) XXXX XXXX XXXX Inquiry date : XX/XX/2020 2 ) XXXX car financial Inquiry date : XX/XX/2020 Ive contacted the creditors and was unsuccessful to reach anyone. The contact information reporting is wrong. I found another number to contact and neither of these companies has any information about a credit application with my name on file. So I was advised to dispute the inquiries with the credit reporting agency Experian. I am requesting a removal of these two inquiries due to I did NOT authorize these companies to pull my credit report. I have no business with these companies and they did not have permissible purpose. If Experian can not supply a signature stating otherwise, then this is fraudulent and illegal to report false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed my account because the collection agency re-aged my account. The result was " Information on this item has been updated '' and their supposed update was delete all my payment history since the account was opened in XX/XX/XXXXuntil the account closed in XX/XX/XXXX and then added new payments history from XX/XX/XXXXuntil XX/XX/XXXXwhen the account was already closed. and re-aged the account two years more. After the result, I requested a re-investigation In XX/XX/XXXX and the result again was " Information on this item has been updated ''. Comparing results of before and after of the XX/XX/XXXXdispute there is no not change at all.
Product: Checking or savings account

I bank with capital one and I get paid Thursday at XXXX its Friday XXXX XXXX and I have not received my paycheck.I have no way to eat or transport myself as this is my only bank
Product: Credit reporting, credit repair services, or other personal consumer reports

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 ( XXXX ) at ( XXXX XXXX XXXX XXXX, OH XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
( XXXX  XXXX at ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) has been sending me collection notices in the amount of ( {$3100.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
( XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 


( XXXX XXXX XXXX XXXX ) at ( XXXX XXXX XXXX XXXX, OR XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX ) at ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ) has been sending me collection notices in the amount of ( {$1700.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
( XXXX ) at ( XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$490.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. 

( XXXX XXXX XXXX XXXX ) at ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX XXXX ) has been sending me collection notices in the amount of ( {$720.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX  ) at ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) has been sending me collection notices in the amount of ( {$210.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Product: Debt collection

I had credit card account with XXXX XXXX XXXX XXXX. I had to pay Synchrony bank each time I made a card payment, in other words credit was extended to me thru Synchrony bank. I got behind with my payments and called Synchrony to make a settlement offer they agreed with me paying them {$500.00} which would have settle everything, I asked them to send me papers stating the amount we agreed on or email it to me. I never received anything from them. When I called them to make a settlement I gave them my debit card number and told them to take {$250.00} that same day which was on XX/XX/2021 and another {$250.00} on XX/XX/2021 they did both time. When I called them on XX/XX/2021 to see if they had gotten the money, the call went to XXXX and the that person said that they had gotten a payment of {$26.00} and that I owed {$620.00} and she hung up on me. I called them back it was also XXXX and I was told that yes they had received the money and she hung up on me too. I called back and got a busy signal. All I want is for Synchrony to verify my payment to them and me know that I paid them off and how much was agreed on. I do online Banking with XXXX  XXXX XXXX, so I have proof of payment to Synchrony Bank. They want to say I'm irresponsible, but what does this say about Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, XXXX, and TransUnion. Thank you!
Product: Mortgage

My house and my mortgage is XXXX XXXX XXXX, I anticipate payments and I have paid more than XXXX XXXX of my mortgage, if this condition I suppose to stop paying PMI, but the Newrez refused do cancel my PMI payment. 
House appraisal when I bought - {$420000.00} Total financed : {$390000.00} Principal paid : XXXX Principal Balance : XXXX My original mortgage was signed with XXXX and Newrez bought it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Homebridge financial Services is a home loan servicing company that is reporting inaccurate information to the credit bureaus about my home loan. XXXX reported to XXXX and XXXX that I " pay as agreed and that my loan was transferred to another company '', but it is currently reporting negatively to XXXX that I have " XXXX late payments ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion today onXX/XX/XXXX in regards to being a victim of inquiry issues they had XX/XX/XXXX to XX/XX/XXXX. Explain to the representative i pulled my credit today an saw the inquiry. Spoke with XXXX who was a representative an he said he could not help me i would have to contact the creditor. I then ask to speak to supervisor by the name XXXX who advised me that i was not victim an he could not delete them for me. Inquiry are below XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX.XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX.XX/XX/XXXX
Product: Checking or savings account

I am writing to formally lodge a complaint against Wells Fargo Bank for discriminatory practices and the unjustified suspension of my account. I have been a loyal customer of Wells Fargo since XXXX and a XXXX citizen since XXXX. 

On XX/XX/XXXX, I received a letter from Wells Fargo stating that my account would be suspended if I did not fill out a declaration form affirming that I do not live in XXXX and am not a part of the XXXX government. Despite finding this request discriminatory and targeting my ethnicity, I complied with the bank 's demands. I filled out the form and submitted it both in person at my local branch and online through the bank 's official website. 

However, as of XX/XX/XXXX, Wells Fargo has suspended all activity on my account. This suspension has caused significant financial hardship. I have become late on my mortgage payment, gas and electricity bills, and credit card payments due to my inability to access my own funds. This sort of discrimination is unbecoming of an institution like Wells Fargo, which should uphold principles of equality and fairness. 

I believe that I have been unfairly targeted based on my ethnicity and that Wells Fargo 's actions are discriminatory and in violation of federal regulations. I request the CFPB to investigate this matter promptly and take appropriate action to ensure that such discriminatory practices are not permitted to continue. 

Thank you for your attention to this serious matter
Product: Credit reporting

Transunion continues to report an inaccurate account status on a closed XXXX CARD revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Transunion is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Transunion has failed to update with the correct information or delete the account since it 's closed and outdated.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - DISCOVER - XXXX To Whom it may concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account DISCOVER - XXXX on my credit report. It has come to my attention that there are multiple clear breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account, and I am requesting immediate action to address this issue. 

I am formally demanding a comprehensive debt validation, which necessitates the provision of the following details : Original Contract : Furnish a complete copy of the original contract between the purported creditor and myself pertaining to the account DISCOVER - XXXX. 
Original Creditor : Clearly disclose the name and contact information of the original creditor linked to this account. 
Original Open Date : Specify the precise date on which the account DISCOVER - XXXX was initially established. 
Date of Last Payment : Provide the exact date of the last payment made in connection with this account. 
Date Account Was Closed : Indicate the date on which the account DISCOVER - XXXX was formally closed. 
I am fully aware of my rights under the FCRA, and it is evident that there has been a failure on the part of XXXX to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I am insisting on a swift response and resolution to this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. Please consider this as a formal notice of my intention to take such action. 

I anticipate a timely response, along with the requested documentation, to be transmitted through the CFPB portal. Additionally, I request that any corrections made to my credit report are promptly reflected.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach that has compromised my personal and financial information. As a result, I am requesting that all accounts listed below be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/2020 i sent a letter to XXXX, XXXX, and experian about inaccurate information reporting to my credit report. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have not Received a response from the Bureaus. On XX/XX/2020 I sent another letter to the bureaus to comply and still no response. It is now XX/XX/2020 and i have yet to get a response from the Bureaus.
Product: Credit reporting or other personal consumer reports

THERE IS YET AGAIN MORE BOGUS INFORMATION ON MY CREDIT REPORT. 

NUMBER XXXX : THEY ARE LISTING XXXX AS AN EMPLOYER. IT IS NOT. 

XXXX : THEY LIST AN ADDRESS WHERE I LIVED ON XXXX XXXX AS A " BUSINESS '' -- IT IS NOT. I NEVER HAD A BUSINESS. I NEVER IN MY LIFE HAVE HAD A BUSINESS AND THIS IS YET MORE BS THAT THIS PATHETIC GROUP OF PEOPLE XXXX AGE IN. 

THEY MAKE STUFF UP., NUMBER XXXX -- I DID NOT MAKE THAT STATEMENT SHOWS IN THE SCREEN SHOT I TOOK AND HAVE UPLOADED. I UPLOADED XXXX SCREEEN SHOTS AND I AM SO ANGRY, SO DISGUSTED THAT I CAN HARDLY TYPE. YOU PEOPLE ARE DOING NOTHIGN, NOT A XXXX THING AGAINST EXPERIAN WHICH RAISES AND LOWERS MY XXXX SCORE AT WILL. 

I AM NOT AN EMPLOYEE OF XXXX AND I WANT THAT XXXX THING REMOVED. 

IF THIS DOES NOT SHOW YOU HOW OUTRAGEOUS THESE XXXX ARE I DON'T KNOW WHAT DOES. 

THEY JUST DECIDE TO DROP MY SCORE BBY XXXX POINTS, AND DON'T EVEN ANSWER MY XXXX QUESTIONS OF WHY? 
WHAT CAUSED THIS? 

THESE XXXX BASTARDS MAKE UP STUFF, THEY PRINT IT IN THEIR REPORT THAT I OWNED A XXXX BUISINSS AT AN APARTMENT I LIVE IN AND THEN THEYT MAKE UP AN EMPLOYER. XXXX XXXX XXXXXXXX XXXX WAS MY EMPLOYER AND BEFORE THAT THE XXXX XXXX AND BEFORE THAT, XXXX XXXX WHY DO YOU DO NOTHING ABOUT THESE XXXX 
THEY HAVE NO REASON, THEY HAVE STATED NO REASON AT ALL WHY MYU SCORE DROPPED XXXX POINT AND THESE XXXX XXXX XXXX PEOPLE THEN SAY OH, BUT IT HAS COME UP XXXX POINTS AND THEN THEY DROP IT AGAIN LATER XXXX EXPERIAN 'S XXXX WHIM. 

I WANT SOME REAL ADVICE FROM YOU WHO ARE DOING NOTHING -- GIVE ME A LIST OF LAWYERS WHO WILL SUE EXPERIAN? WHAT KIND OF LAWYERS DO THIS? CREDIT LAWYERS? WHAT IS THE NATURE OF THE LAW THEY WORK IN SO HELP ME OUT AND GIVE ME THE NAME OF THE KIND OF LAW SO I CAN SEARCH. DO YOU LIST A GROUP OF LAWYERS WHO ; PEOPLE CAN CALL? 
I AM SICK TO MY STOMACH THIS COMPANY HAS MADE ME WANT TO VOMIT, I DESPISE THEM AND THAT THEY HAVE BEEN BREACHED AND ALL OUR PRIVAT INFO HAS BEEN STOLEN IS JUST EVEN MORE INSULT TO INJURTY. 
I AM GOING TO COMPLAIN TO MY SENATOR XXXX XXXX, BECAUSE IT IS HIGH TIME CONGRESS DO SOMETHING BECAUSE THIS COMPANY EXPERIAN IS GOTTEN WAY OUT OF HAND. THEY DON'T EVN SAY WHY WHYT WHY THEY DROP YOUR SCORE, IT HAS NO REASON FOR IT, THEY JUST XXXX PEOPLE OVER. WAKE UP, FOLKS.