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

This is my six 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 XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}
Product: Mortgage

After coming off a COVID19 Forbearance XX/XX/2021. I have tried to reach out to my lender by all attempts via telephone, via email and via mail after notifying my lender I can resume to payment what is the next time. My lender sent my a denied letter for all COVID19 due to XXXXien on my property and the steps to appeal. I immediately appeal requesting documentation of a lien on my property which I never received any documents from my lender. I finally got a hold of my lender in XX/XX/2021 and i was able to explained my situation and asked for assistance to resume to payments. What I thought my lender provide in XXXX was a nightmare i received a notice saying my property was being foreclosure I immediately reached pleading for HELP. I have now sent over my loan modification packet to learn I am missing documents. Which were medical docs proof showing my COVID19 records. I have a FHA loan is this the rule or process for my loan modification after coming off of a covid19 forbearance. I need help?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX  XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$78.00} ; XXXX XXXX Balance : {$51.00} ; XXXX XXXX Balance : {$78.00} ; XXXX XXXX Balance : {$78.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$540.00} ; XXXX  XXXX Balance : {$150.00}
Product: Bank account or service

XXXX ( Chase Banker ) called me twice asking me to open a Chase account & we could earn {$500.00}. We set up an appointment date for XX/XX/XXXX at XXXX. We opened a checking account & deposited a check for {$2000.00}. Criteria for receiving {$200.00} from chase for opening the checking account meant we had to set up a direct deposit. My husband contacted XXXX on XX/XX/XXXX to organize direct deposit of his wages. On XX/XX/2017 he received notification from XXXX that his first check was returned as the Chase Account was closed. I tried to access the account online & was told that the account did not exist. I called XXXX & he advised that there was an issue with the check & it had been mailed back to me & I needed to call the number on the back of my ATM card for further info. I called the company that issued that check & they advised that the check had cleared on XX/XX/2017. I called the number on the back of the ATM card & the operations officer advised that they could not verify the issuer of the check so the funds were on hold & i needed to get them a number for the company so they could verify issuance of the check. Chase never contacted me to advise there was any issue, they just placed the funds on hold & closed the account. It 's the most unprofessional treatment I 've ever received. I contacted the company that issued the check & got the number for the person that signed the check, I called Chase with his name & contact details & they have advised that they can not verify his number as his name is not on public record as being associated with the company. I have never heard anything like this in my whole life.Chase has {$2000.00} of our money on hold for a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( XXXX XXXX ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX . Which is more than the original purchase price. As of today we owe approximately XXXX and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California
Product: Mortgage

Loan with Wells Fargo. It is best to read all the letters that I will attach with this complaint to get a better idea of all of the the things they have done. Basically, they offered me a loan modification, went thru the 3 test payments then when I received the actual terms in writing they were not what was promised. This violated XXXX. Civ. Code Section 17770, et seq. & the case of XXXX v Wells. It was also a bait and switch. In fact, I would eventually be paying 2 % higher than I am currently paying. After I turned them down they started a pattern of harassment. They would constantly call me for payment, which had already been sent & cleared my bank. I hired an attorney who sent them a rep. letter. Yet, they continued to call in violation of the FDCA. Their next tactic was to arbitrarily change my escrow payment re property taxes. they wanted to charge me over {$200.00} more per month then they came to despite being given the actual tax bill. Then for some strange reason they stated they had " unapplied '' funds of mine for over {$2500.00}. They never explained why. They then arbitrarily changed the name on my statement from my name to my attorney. That has hurt me in trying to refinance since the statement is not in my name. My attorney wrote them to have them change it back to my name and they responded that as long as I am represented they ca n't do that. My attorney tried to settle the case with a proper loan mod. Their response was that I had to apply again. I did. And of course, they turned me down for no proper reason. The most recent tact is all of a sudden they sent a letter saying I am over {$8000.00} in arrears, plus another {$1300.00} in late fees. Now, they subtracted the {$2500.00} in " unapplied '' funds saying I am in arrears {$7000.00} in arrears and they are ready to start foreclosure proceedings. This all despite the fact that I have made every monthly payment & have the canceled checks to prove it.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and to demand immediate corrective action regarding ongoing inaccuracies and discrepancies across the three credit reporting agencies : XXXX, XXXX, and Equifax. Despite previous dispute efforts, these agencies continue to report inconsistent and incorrect information, affecting my credit profile and causing significant distress.
Product: Checking or savings account

On XX/XX/2019, my husband accessed his payroll companys website to determine how much his paycheck on the following day would be. He noticed that he could not see his paystub, which was unusual. He tried to contact the payroll company and was unsuccessful getting answers to this oddity. On Friday ( XX/XX/XXXX ) he did not receive his direct deposit. He informed his employer and his employer issued him a paper check. He used the mobile deposit function of our shared account with Simple Bank ( parent bank BBVA Compass USA ) to deposit the check. That evening, a message was sent to our mobile app notifying us that the funds from the check were being held and would not be available for five business days. I called the bank ( Simple ) and informed them that I understood mobile deposits carry a higher risk, but that if they would a ) look at the history of deposits, this deposit aligns with the direct deposits received every Friday from the same company and b ) a phone call could be made to the issuing bank to verify the deposited check. Furthermore, during my phone call I was informed that {$200.00} of the deposit would not be made available after the first business day following the deposit. For clarification, this deposit nor our account meet the requirements of exceptions to funds availability as outlined in Regulation CC 229.13. The check was not previously returned, it is not a new account ( neither the account the check was written from nor the account the check was deposited into ), the check was less than {$5000.00}, nor did the check/account meet any of the other exceptions provided for in regulation CC.
Product: Debt collection

Original debt from XXXX XXXX XXXX, XXXX WA. Original XXXX   XXXX  ordered by XXXX  XXXX XXXX, XXXX AZ. XXXX XXXX for several XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  such as XXXX  and XXXX etc.XXXX. XXXX sent specimen unrefrigerated in mail. Specimen arrived at XXXX  7 days after taken from patient making it a non viable specimen for testing. XXXX  personnel knew this and conducted testing anyway. Charged customer enormous fees for XXXX XXXX unwarranted for XXXX  vs XXXX XXXX   which is a fraction of the cost. This was a common practice to do this unwarranted testing to overcharge patients. Department of Justice has charged XXXX XXXX XXXX with giving all its doctors, including XXXX  XXXX XXXX KICKBACKS for referring services unwarranted and nonviable specimens for testing. 

I, as XXXX  XXXX customer was duped. During a doctor visit with XXXX XXXX  he said he was going to do a XXXX XXXX in office. I watched the nurse perform test. After I left office they took XXXX  sample and mailed it to XXXX XXXX XXXX and authorized expensive XXXX  XXXX  which I would have never authorized. I had been tested many times only to pay no more than {$40.00}. When I got the bill from the XXXX  for in the {$3000.00} range I was outraged and started investigating. Not only was it fraudulently sent but a nonviable specimen for testing being so old and exposed to heat!! 

I then found out that XXXX  XXXX XXXX was getting a KICKBACK in the form of some kind of marketing check as found out by the Department of Justice. I then discovered that the XXXX  had closed, moved a couple blocks up the street and reopened in a different name. 

I am a victim of fraud and a kickback scheme in the XXXX   profession. The Department of Justice has arrested the top people at the XXXX  and some have already pleaded guilty. This debt is a product of FRAUD!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature, these inquiries appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, please removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Payday loan, title loan, or personal loan

The car is undrivable and I want to release the Lein to get rid of the vehicle but they will not release the lein eventhough I was informed by XXXX at the one main office in XXXX Ohio that the lein could be released at any time. I have been making my loan payments
Product: Vehicle loan or lease

When returning the car at the end of the lease, we were told that a final turn-in payment is due - but could not be paid at the time ( I offered to pay it when we turned in the car but was not allowed ). We received the notice in the mail to pay the {$400.00} final bill, and we sent a check to them. 
Less than a month later, we get a call saying they did not receive payment. I tell them the check number and date sent. I offer to cancel the check and pay by debt card ( or any other method they choose ), and was told " let 's wait another week to see if we get it - we know the mail has been extra slow with the pandemic ''. She says she will call back next week if nothing was finally received and we could pay with card then. I say OK. 

No call back. a few weeks later we get another letter. I assumed it was " yeah, we got the check, here 's your final {$0.00} balance notice - thanks for using Kia Finance '' ... but nope. They say the still haven't received payment. I went to the website and immediately made the payment - something I offered to do before. I thought that was the end of that ... until I get a notice from XXXX XXXX saying Kia says I was 30 days late paying their bill. 

I called Kia Finance who informed me I must write a letter to their credit department to dispute the claim. I did, explaining I followed their direction verbatim at every instance. 

Just got a letter back from the Kia Finance credit department saying basically " nope - not changing a thing ''. 

This is just wrong. Both times I wanted to pay ( at turn in and on the phone when they called ) and was told to wait. The are unhelpful, and seem to relish in deceitful practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX and XXXX/XXXX two unauthorized hard inquiries on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of your categories really fit my complaint. I have an Equifax account that is frozen. This past week I received an email " congratulating '' me on my " new '' Equifax account. I do not have a new account! I already have one. 
I have called and they say they have to investigate and will get back to me. Nothing. Wrote 2 emails, as suggested on their site. Never heard anything other than a standard 'response '' email saying they received my email. 
I MUST know if there is somehow a second Equifax account in my name that I did not open. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX  ACCOUNT XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B A billing error 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX XXXX XXXX Updated XX/XX/XXXX past due {$430.00} Original Creditor XXXX XXXX  Past Due {$430.00} PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX ****Date Opened : XX/XX/XXXX Balance Owed : {$6700.00} XXXX XXXX XXXX  XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chargeoff XXXXXXXX XXXX  XXXX Opened : XX/XX/XXXX Balance Owed : {$56000.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the dispute I sent to Comenity Bank, XXXX, XXXX  and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX RE : CB/XXXX   XXXX I am disputing the accuracy and completeness of CB/VICSCRT  XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( XXXX  reporting of this account ) Exhibit 2 ( XXXX  and XXXX  reporting of this account ) Exhibit 3 ( Metro 2 manual reporting guidelines for paid charge off account ) Exhibit 4 ( Metro 2 manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, XXXX, XXXX  and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to Metro 2 manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB. 
Exhibit 1 ( XXXX  lender report ) Exhibit 2 ( XXXX  and XXXX   Report ) Inaccuracies : 1. XXXX  ( Highlighted in yellow ) a. XXXX   reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX  of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. XXXX  reporting Charged off Account. XXXX reporting Charged off account. XXXX   reporting Purchased by another lender. Exhibit 3 is from the Metro 2 manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled ) a. Scheduled monthly payment amount is blank. Exhibit 3 demonstrates this is incomplete. 










Exhibit 3 ( Metro 2 Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 ( Compliance code conditions and reporting guidelines ) Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a XXXX  dispute letter addressing the fraudulent information that was reporting on credit report and its been well over 30 days and I havent gotten any response from the creditor. They are not abiding by the law because the fraudulent information was not verified within the time frame allotted by the law so therefore should be deleted off my credit report.
Product: Bank account or service

I have filed a complaint about this bank account earlier today and the confusion and lack of transparency and predatory practices. I have charges that are on XXXX/XXXX/2016 how can a charge post in advance?
Product: Debt collection

I have received a recorded message call saying " This is a confidential call for XXXX XXXX if you are not XXXX XXXX hang up ''. Well I am XXXX XXXX so I stay on the line and it tells me I owe {$650.00} with several different payment plans and a zip code. 
The only problem is I owe no one. My credit score is over 800 and I don't live in that zip code. I think this is a scam but am not sure so I am reporting it to as many departments as I can, like the no call list. I know that collectors can call debtors but since I am not he debtor that puts them in violation. This is not the first so called company to call me. I have been called a liar and several other names trying to get my phone off different list which is why I am not calling them. I have them asking me my SS number which only makes it sound more like a scam would you give your SS number out to some stranger that calls you on the phone?
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/2024
Product: Checking or savings account

TIAA Bank has informed me that they will no longer allow me online access to my accounts. No reason for this decision has been given. TIAA Bank has also informed me that no only will they no longer allow online access to my accounts, but they will also charge me {$25.00} for a paper copy of my statements, which they call a " research fee '' for a basic account service.