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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of these items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Attn : XXXX XXXX  account # XXXX i have no recolection of this account does not belong to me applied bank account # XXXX this account is paid settled in full i have included an letter stating a XXXX balance from the collection agancy XXXX XXXX account # XXXX account is closed and reports XXXX balance on XXXX so the balance needs to report accurate on all companies XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXXXXXX XXXX account # XXXX i have no recolection of this account does not belong to me also its reporting twice as XXXX tradelines not mine XXXX  account # XXXX i have no recolection of this account does not belong to me XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me FOR ALL OF THESE ACCOUNT I WANT DOCUMENTATION OF THE VALIDITY OF THESE ACCOUNT AND HOW THESE ACCOUNT WERE VERFIED. I WANT PROOF OF MY SIGNUTE FOR THESE ACCOUNTS AS I DO NOT RECALL HAVING ANY OF THESE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are old an I no longer stay at these address an want them deleted them off my report
Product: Credit reporting or other personal consumer reports

I had a car loan with XXXX XXXX  that I paid off early in advance. I have never had a late payment with this company but for whatever reason XXXX late payments are reflecting on my credit and I have disputed this multiple times asking the Credit bureaus to verify proof of these so-called late payments only after trying to obtain proof from the creditor themselves, and they felt to provide me that proof. This is hindering my credit, and I would like to have it resolved as soon as possible. They have denied my disputes over and over for the past I dont know how many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.
Product: Debt collection

This item has been on my credit report for a few years. I have never received anything from them as to what this is for or who the original creditor is and why I owe them. I have even disputed this with the CRA 's. This negatively impacted my credit score, and has made it extremely difficult to rent a place to live.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have tried on multiple occasions to contact the company with no success. On XX/XX/2020 I sent a written letter to the address indicated on their website to inquire about ending PMI payment and discrepancies on my escrow account. I received no response. Since then I have called numerous times and customer service representatives are unable to help. The phone system is complicated and it takes at least 10 minutes of clicking yes or no to reach customer service representative. I inquired about ending PMI payments because I was not aware they were being charged to my account. I also inquired about closing my escrow account because it always seems to be in a shortage even as my taxes and insurance are decreasing.
Product: Debt collection

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has ignored my repeated requests to report our XXXX MORTGAGE ACCOUNT as such on our report and NOT as they are reporting it, as a revolving credit account/credit card account. In doing so, it has significantly reduced our credit scores and shows us at or near our credit limits on revolving at all times, even when paying off ALL our other credit card accounts! causing our scores to be lowered by XXXX points and creating difficulties obtaining credit and causing us to pay higher rates due to their ILLEGAL REPORTING PRACTICES and refusal to correct the credit bureau reports ! We have requested it directly from them no less than 3 times with no result other than they state it's accurate, and with Experian, XXXX and XXXX, with the same results. We NNED THIS CORRECTLY & ACCURATELY REPORTED! PLEASE HELP!
Product: Mortgage

We are currently on a Forbearance plan as of XX/XX/XXXX. The paperwork that I received and the call that I had with the rep that initiated the FB plan confirmed that the plan ends on XX/XX/XXXX. I sent an email to the LM department to extend my FB plan and then followed up with a call to see if there was any progress on it being processed. 

When I called on XX/XX/XXXX and told the rep I needed to extend the current FB plan, she set me up on a repayment plan for XXXX per month to begin in XX/XX/XXXX. I can not afford my current payment so why would I enroll in an RPP???!!!! 

I called on XX/XX/XXXX and the guy couldn't help me because he was not in LM and could not see the RPP that was set up in error. 

I called XX/XX/XXXX and spoke with 3 reps. One who was not in LM and needed to transfer me, the 2nd one put me on hold and then transferred me for no reason and the 3rd was able to advise that i need to call back XX/XX/XXXX to have the plan extended. 

She said the plan didn't end until XX/XX/XXXX. Who extended my plan by 1 month without my knowledge and why isn't Loancare being efficient when it comes to this process?!! Furthermore, why am I having to call back to have the plan extended instead of being able to self-service? 

I hate talking to them everytime I call because its always some nonsense.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

USAA Ms XXXX WILL NOT CEASE AND DESIST DEFAMATION. see attatched proof the XXXX XXXX {$120.00} XX/XX/XXXX IS SEPARATE FROM {$470.00} XXXX XXXX credited XX/XX/XXXX. Leaving bal {$470.00} LOOK AT STATEMENT AND STOP TELLING THIS LIE OVER AND OVER AND OVER.see NO USAA CREDITS All credits are from merchants. There are NO USAA credits at beginning of investigation as USAA claims TO REVERSE THEM XX/XX/XXXX XXXX see see Fraud Letter XX/XX/XXXX. It says temp credits WERE MADE PERMANET Looking at XXXX XXXX statement THERE ARE NO TEMP CREDITS OR PERM CREDITS. see attatched Fraud Letter XX/XX/XXXX EXPLAINING WHY A CREDIT REVERSAL XXXX XXXX {$120.00} stateing the credits deposited at beginning investigation have been reversed. THERE ARE NONE This was NEVER REPORTED FRAUD. This appeared as a New Purchase XX/XX/XXXX a second time. I DO NOT AUTHIRIZE CREDIT REVERSAL as there are none TO REVERSE. More PROOF XXXX XXXX WAS NOT REPORTED FRAUD XX/XX/XXXX. see attatched XX/XX/XXXX ADJUSTMENT PURCHASE TEMP CREDIT TO START A FRAUD INVESTIGATION Kindly note THERE ARE NO BEGINNING FRAUD INVESTIGATIONS XX/XX/XXXX. USAA MS XXXX CEASE WITH THIS LIE AND admit credits were not applied properly. There are NO USAA CREDITS BEGINNING INVESTIGATION XX/XX/XXXX but THERE ARE BEGINNING INVESTIGATION CREDITS {$120.00} XX/XX/XXXX WHEN YOU REVERSED CREDIT NOT GIVEN. STOP WITH DEFAMATION I HAVE TRUTH PROOF.
Product: Credit card

From XXXXXXXX XXXX XXXX there has been an approval of a credit card with capital one without my knowledge. I have called the company to have it closed and filed a police report.
Product: Credit card

I am writing to file a complaint regarding the dispute resolution process conducted by Chime for a transaction that I reported as XXXX Not As Described. Chime did not take proper steps to resolve this issue in line with XXXX dispute guidelines, which require a thorough investigation and verification of claims in cases where the service or product was not as described. 

Details of the Dispute : Account Number Ending : XXXX Claim ID : XXXX Dispute Amount : {$23.00} Date of Dispute Report : XX/XX/year> Transaction Details : Dispute Type - Credit ; XXXX Not As Described Chime concluded that no billing error occurred, despite my explanation and supporting information. Based on XXXX guidelines, in a Not As Described dispute, the issuing bank is expected to verify whether the merchant accurately represented the goods or services provided. It appears Chime did not conduct an adequate investigation or reach out to the merchant for clarification or supporting documentation. 

Why I Believe Chimes Actions Were Inadequate : XXXX. Lack of Documentation Review : I believe Chime failed to collect or assess any documentation from the merchant, as would be standard in such a dispute case. XXXX  guidelines require a merchant to prove that the transaction was as described, which I do not believe was verified. 
XXXX. Failure to Properly Address My Complaint : Chime did not provide sufficient details on the nature of their investigation or steps taken to resolve the dispute. The response was generic, suggesting that my dispute may not have been given appropriate consideration.

3. No Opportunity for Follow-Up or Appeal : Chime did not provide an opportunity to appeal the decision or offer additional evidence, leaving me with no recourse to further dispute the transaction.
Product: Mortgage

Hurricane Florance. 
SunTrust Mortgage offered us a 6 month deferment of payments due to our being desplaced from our home. Our agreement on the phone was simply to have the payments added to the end of the payment schedule for the existing loan. 
On month 7 we tried to make a payment and the bank took the payment but we later received paperwork from the bank for re-structuring our loan. A thing we did not want to do. It was explained over the phone that this was the way it had to be. We signed the paperwork and returned it per the instructions. 
The payment we made on month 7 was not credited to the loan but put into a holding place until the re-structuring was complete and we were told not to make any more payments until the restructuring was complete. We were not informed of that when we made the payment. The restructuring will include a new interest rate. Today we get a foreclosure notice if we don't pay the past months payments as well as fees, attorney fees, and late fees. 
We need your help to fight this company trying to take our home unlawfully. They won't take payments but they want payments. What they say on the phone is not backed up with what they mail to us. We are living in our home now. 

XXXX XXXX XXXX, XXXX, XXXX XXXX Loan Number XXXX Home Preservation Client Representative : XXXX XXXX XXXX XXXX Ext. XXXX Sincerely, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$51.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 


XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  Account Number : XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$250.00} XXXX XXXX XXXX Account Number : XXXX {$2800.00} XXXX Account Number : XXXX {$110.00} XXXX : XXXX. 
Date of inquiry : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} TransUnion : XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX  Account Number : XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$250.00} XXXX  Account Number : XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because i recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be delete from my credit report.
Product: Debt collection

I do not know who this company is, weve received no correspondence from them. They contacted our neighbors to verify where we live. They obviously know where we live, so calling our neighbors and disclosing financial issues to them is harassing and meant to shame us. Ive tried calling them back multiple times but they do not answer.
Product: Debt collection

I bought a car an got an auto loan with a company XX/XX/XXXX on XX/XX/XXXX the automobile was illigally repossessed. The last payment I made was in the amount of {$2000.00} dollars. I informed the leander this payment would be made on the specific date. Once the payment cleared my car was illegally repossessed. The company than tried to sale the car at an auction while I should have still been in possession of the automobile. It was sold at a loss
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following unauthorized inquiries on my credit reports. I have been the victim of identity theft. Please investigate and remove the following items : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the consumer Financial Protection Act ( CFPA ). I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I requested a transfer into my savings account from a linked checking account, via ACH. I later discovered that there the bank applies a five day hold on ACH deposits, which is not disclosed in their materials and is materially longer than the ACH transaction clearing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/Victoria 's Secret account was paid but is showing on the credit report that it is a unpaid collection/charge off on all three credit bureaus. It also reports conflicting information for the date opened and date last reported.
Product: Credit reporting or other personal consumer reports

Recently I locked at copy at a copy of my credit report amd noticed several inaccucies on my account. This account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate Account Name : XXXX XXXX XXXX. Account Number:XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution process requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress to these violations.
Product: Credit reporting

There is a hard inquery on my credit report that I did not appl for
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017XXXXXXXX on XXXX promised to mail me a set of XXXX pins. I sent her : {$33.00} of my PayPal balance and {$69.00} to pay for it all. She never shipped my pins and is a scammer. I talked to other people on XXXX who were scammed too. I reported this to PayPal and PayPal did not give me my money back. I want my money back. Please help me.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not responded to my disputes, nor have the companies involved. I feel my rights as a consumer are being violated. I am the victim here and can not get the proper help or response from the credit reporting agencies. If no action is taken soon, I will pursue legal action.