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

In accordance with the Fair Credit Reporting act 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 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are reporting these accounts late when they shouldnt be.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Product: Mortgage

Chase bank advertise {$5000.00} if I made an offer and the seller agreed that we will close in XXXX days the seller agreed we did not close until XXXX months and a half later and I never received a check
Product: Credit reporting or other personal consumer reports

There are some inquiries that are not authorized on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a HELOC on XX/XX/2022 with a financial institution, when I was denied. When I requested my credit report I found over 4 unauthorized Inquiries on my credit report. ( 2 ) from XXXX dated XX/XX/2022 and XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022. I contacted all of the creditors also the 3 major credit bureaus, XXXX, XXXX and TransUnion that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or Police report. Along with providing a copy of the CFPB, copy of my license and a proof of address. As of today XX/XX/2022, I have not gotten any updates or satisfaction. So on XX/XX/2022 and XX/XX/2022, I repeated the process again. All 3 bureaus told me to get a statement form either the CFPB, FTC or Police. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy mailed to my house yet. But the bureaus keep posting that it was either updated or verified.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 payment has been paid off
Product: Mortgage

At best, Better mortgage has been negligent. At worst, we are victims of malicious intent. 
After pre-approval, Better waited until the day of our financing deadline to look at our file. When they couldnt resolve the issues, issues that we had communicated early and assumed were handled, they decided to deny us. 

Our timeline : XX/XX/XXXX - Preapproved to purchase a home up to {$640000.00}. 
XX/XX/XXXX - We provided our contract to buy to Better Mortgage, with deadlines. 
XX/XX/XXXX - We clarified an income question on a call with our loan officer and were assured that we were still well-qualified for the home. 
XX/XX/XXXX - Financing deadline. 
XX/XX/XXXX - Better Mortgage reached out with the same question we clarified on XX/XX/XXXX. Better Mortgage asked us to extend our financing deadline. The seller refused. 
XX/XX/XXXX - Better Mortgage advised us that there is not a path forward and to pursue our application with other lenders. 
XX/XX/XXXX - Our target closing date. 

Our financial picture did not decrease in any way. It actually improved- we paid off credit card debt and saw our credit scores increase. 

Better Mortgage systematically was unreachable ( 4 day lead time to speak to our loan officer ) and did not communicate problems to us until the day of the deadline. They failed to process our information. We leased our apartment to new tenants. Our earnest money ( {$6100.00} ) is forfeit after they failed to meet deadline. We do not know where we are going to live after XX/XX/XXXX. 

We suspect Better Mortgage is denying us because they either do not want to honor our rate lock, or because they were delayed in our application, they do not want to honor their BetteXXXX Closing Guarantee, which promises $ XXXX credit at close if XXXX has to delay our closing date.
Product: Mortgage

Loan modification due to filing bankruptcy and upcoming divorce. We wanted to make sure I could handle the payment on my own. We sought modification was told wed lose the equity wed built purchased house XX/XX/XXXX and did modification on XX/XX/XXXX so about XXXX yrs XXXX months of equity. I questioned that and was told in order for the modification to be approved wed lose the equity. We were told we needed to make XXXX payments of {$1200.00}. Prior to approval which we did. We had a mortgage balance pre modification of {$160000.00} and after modification via fees, interest and other charges it was post modified to {$170000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong year 1976 its incorrect theres incorrect addresses, theres incorrect information being reported by third party creditors who I dont own
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent a letter to Experian requesting that they look into and verify several accounts on my credit report. I asked for verifiable proof that the accounts they are reporting are accurate and owned by the furnisher and that it was in fact me. that is a party to the account in question. 

Experian seems to have investigated some of the accounts however the have provided no information as to the furnishers legal ability to report said accounts In addition Experian failed to investigate one account at all XXXX XXXX XXXX Acct # XXXX was not investigated at all. I expect that this account should be immediately deleted. 

I expect for Experian to provide me with the means of investigation and what was accepted by Experian as evidence or proof that these accounts are indeed a result of XXXX XXXX XXXX using credit or obtaining credit with the companies in the attached letter. 

XXXX XXXX XXXX XXXX should however be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XX/XX/2022 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: Checking or savings account

Capital One closed my account and have still have {$15000.00} USD in cash being withheld from me. I have asked to have the money sent to my external account or bankwired to me or the check sent to me but they refuse.
Product: Money transfer, virtual currency, or money service

Venmo charged me twice for sending money to a friend claiming the payment didn't go thru in XX/XX/XXXX. They charged me {$110.00} from 2 separate banking institutions ( totaling {$230.00} ) and only sent {$110.00} to my friend. I have repeatedly tried to contact them and their customer service keeps recycling the same email in response. I went to one of my banking institutions and reported them for fraud to get my money back on 1 of the 2 payments that was taken, as venmo was not fixing the issue. Venmo then blocked and restricted my account in response and refuses to work with me to remedy the situation. 

Dated events as follows : XXXX ). XX/XX/XXXX - sent {$110.00} titled " half steamboat '' from Bank XXXX ( image XXXX ) XXXX ). XX/XX/XXXX - sent {$110.00} again titled " steamboat part XXXX ( dunno what happened the first time... ) '' from Bank XXXX XXXX which went through ( image XXXX ) XXXX ). XX/XX/XXXX - venmo charged me an " account recovery payment '' on my second connected bank as a debit from Bank XXXX posted on XX/XX/XXXX ( image XXXX ) XXXX ). XX/XX/XXXX - venmo simultaneously charged Bank XXXX a " venmo retry payment '' ( image XXXX ) XX/XX/XXXX - At this point Venmo have taken {$340.00} from me when I only sent {$230.00} total to my friend. 

On XX/XX/XXXX verified bank paid the initial payment on XX/XX/XXXX On XX/XX/XXXX verified XX/XX/XXXX payment ( # XXXX ) went through with friend On XX/XX/XXXX verified " account recovery payment '' debit from Bank XXXX posted on XX/XX/XXXX I verified that my friend only received {$230.00} total while I was charged {$340.00}. 

XX/XX/XXXX I reported venmo for fraud with bank XXXX & received credit for the XX/XX/XXXX extra " account recovery payment '' from Bank XXXX that venmo charged me. ( image XXXX ) But, shortly after this venmo locked my account. I have emailed, called, etc many times to get them to remedy the confusion and they refuse to do so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 TransUnion, XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, 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 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX Balance Owed : {$550.00} XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit bureaus for their failure to comply with the removal of unauthorized inquiries from my credit report. Despite repeated requests, these inquiries, which were made without permissible purpose, remain on my report, adversely impacting my creditworthiness. These companies had no legitimate reason to access my credit information, yet their unauthorized actions continue to affect my financial standing. Such non-compliance with the Fair Credit Reporting Act ( FCRA ) undermines my rights as a consumer and can have severe consequences on my financial well-being.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX  Account XXXX for 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. 1681 Section 604 A Section 2 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX - XXXXXXXX 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 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 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 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: Checking or savings account

They closed my account with no head ups and help my fund and never gave them back
Product: Debt collection

To whom it may concern, I am a good- standing customer of XXXX who has been trying to return an item to Gerd detect that was purchased by mistake for more than three months. The seller has been totally uncooperative with my numerous attempts to acquire a return label. The item is expensive and because I am XXXX in XXXX  years of age I do not have the resources to pay {$10000.00} with the interest For an item that was purchased by mistake. My attempts to return. The item were met with an organized intervention meant to stall and prevent the return process. Rather than allowing me to return the item, the seller has stalled, lied, and deleted my attempts to return the item within the return deadlines. The seller had posted an out of service screen on the XXXX site for more than three months, preventing any attempt to return the item. I tried to cancel the order a few days after I ordered it but because the item has shipped I couldnt cancel the order so ever since late XX/XX/ I have been trying to return the item. XXXX has been basically unresponsive, and the seller has been totally Unresponsive. they have deleted all my attempts to return the item within the return deadline, but failed because the history of all my attempts are recorded in my phones, my XXXX XXXX and my computers history. They also promised if I removed a negative review that I posted on XXXX, they would allow me to return the item and get my refund. They have also failed to do that. I have almost all of my facts screenshot on my phone and had them printed at XXXX. My account has been hacked and my timely attempts to return. The item are gone from my account but I have them screenshot it on my phone. They have engaged in very deceptive practices, just to keep me from returning an item. I am not very computer literate but I am trying my best to show how deceptive these people can be. Also, the lender Affirm is threatening to turn my file to Credit agency to damage my credit, which is excellent. Whatever you can do to help me will be greatly appreciated. Thank you and God bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN 'S INVESTIGATION was not complete, and they did not do their due diligence. They are willfully being noncompliant with the law. The following accounts are not on any other reports but EXPERIAN, this is still inaccurate, incomplete and now in noncompliance which are all violations. The accounts they are willfully in noncompliance with are the following : 1 ) Account # XXXX XXXX XXXX XXXX 2 ) Account # XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX  XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX is not on EXPERIAN but it is on XXXX with different information and on XXXX with different information. Inaccurate violations as well for XXXX AND XXXX. Every thing must be complete and accurate. Most of the information on my credit file is inaccurate and incomplete.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 at XXXX hours. I recieved a text message which claimed to be from JPMorgan Chase bank  asking about fraudulent activity on my account. I replied stating it was fraudulent and recieved another message informing me a representative would be contacting me shortly. I recieved a phone call from XXXX which is the customer service line from chase bank. I answered and a well scripted young man asked all the right questions about a fraudulent XXXX transfer for {$2000.00} to a XXXX XXXX. He informed me in order to reverse the charge I would have to send myself a XXXX transfer for {$2000.00}. He gave me a fake email and asked if it was mine, i replied no and he asked what email address to change the account to. I then sent myself in XXXX the money. When i gave him the email address I promptly recieved 2 emails from chase bank informing me of a change of email on the account. Everything looked normal until i logged into my account and saw only 1 transaction sending {$2000.00} to myself which i never received. About 30 minutes went by and I became nervous and called the bank, they informed there was no record of a call made to my phone on thier end and that I had been scammed. When i asked about my money i was told there is little to no chance I would get it back unless the bank could find the person that scammed me. I immediately filed a police report. My wife went into the bank on XX/XX/21 to ask about reimbursement and was told that since I authorized the transfer ( not knowing it was a scam ) that we were not entitled to reimbursement.
Product: Debt collection

( 1 ). What happened?

I have ( 2 ) Collections Accounts reporting on my Transunion Credit File # XXXX, they are : 1-. XXXX : Account # XXXX XX/XX/XXXX This is a Statue of Limitations which is 5 years. DELETE 2- XXXX : Account # XXXX XX/XX/XXXX This is a Medical Bill. I did not give a HEPPA Release of Information Form. This is an illegal collections debt. DELETE I live in another state and I was informed by the company, they're not licensed to collect in NYS.
Product: Vehicle loan or lease

I have tried to explain i lost job due to covod not able to find a job i only get XXXX from unemployment so is hard to pay they wont work with me at all scared to lose my vehicle
Product: Money transfer, virtual currency, or money service

All money reported My cashapp was hacked & weekly payments were being sent to a unknown person roughly by the thousands are now gone & cashapp has not been a very helpful I didnt realize until I had check my notifications but not often because the money is linked to my bank account so I hardly pay attention to whats going only whats coming anyways Ive lost over XXXX to this individual & would like to be reimbursed XXXX it is shameful that it has come down to this but I hope they understand the consequences from witch doing wrong by the American people and customers that use their platform
Product: Prepaid card

In XXXX my husband and I each received a XXXX $ virtual card from XXXX because our identities were stolen. XXXX sent me a link to a website. I used a code but I got no card number. Last month I received an email from My Prepaid Center asking me to retrieve a card number so I could use it by clicking a link. I thought it was a scam, so I ignored it for fear they would steal my identity. But my husband got the same email, he tried it and told me it was not spam. 

So I clicked the link only to discover that the XXXX $ card XXXX gave me contained less than XXXX $!!! The prepaid center site had been taking out fees of {$5.00} a month!! On a XXXX $ card!!! 

I couldn't use the card because I didn't have a number and was unable to load it into a wallet, so I was worried that every month they would keep billing me even when my card was empty. 

The same thing happened to my husband. After hours of talking to people, the company told him it was a computer mistake and they would refund and send him a plastic card. He got no proof in email, so he contacted the consumer finance agency and they made sure he got the money back and a physical card. 

He told me to call My Prepaid Center so I could get my money back. I called today, XX/XX/XXXX, But my prepaid center told me there was no computer mistake, and I would get no refund of fees. They said that I would be charged XXXX $ for every month the unusable card sat on their system. They refused to send an email promising to stop the fees after the card was emptied by them. I became afraid they would send me to a collection agency for fees on a card that I couldn't use. 

The support person said they could not send me a promise in writing that I would not continue to be charged. 

When I told them that they refunded my husband 's fees, they lied and said it was a different type of card and a different set of rules, but it was the identical card from XXXX. 

I am a woman and have a foreign accent, so I became suspicious when we were treated differently under the exact same circumstances. Why would they refund my husband 's card and not mine? I wonder if the scam is to see who they can bully into accepting the fees. Perhaps they thought I would not file a complaint because I'm a woman and XXXX. 

I just want my XXXX back and a physical card. I want the government to look into the legality of these fees. 

I don't have a card number, but my account is found by using my email - XXXX Thank you.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX  XXXX Bankruptcy Reference # : XXXX  Date Filed/Reported : XXXX XXXX XXXX  Balance : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE ALL ID THEFT VICTIMS : ALL NOT MINE : FCRA VIOLATIONS : SEE BELOW XXXXXXXX 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