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

I am dedicated and steadfast about impressing my credit scores and being better on improving and maintaining a good credit score from now on. On XX/XX/XXXX I sent via USPS via certified mail ( # XXXX ) it was delivered hand delivered and received XXXX XXXX. The letter requested a FULL INVESTIGATION into my credit report. As of TODAY, XX/XX/XXXX nd HAVE NOT had any motion on my request, no reply, no investigation or removal of items. Which is unacceptable and against my rights for a reply of my personal credit report. I am on a fine timeline to get my credit repaired. 

Credit letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : Under the laws specified I, XXXX XXXX, self and human person ask for investigation and explanation for all accounts entered below. 
Law 15 U.S.C. Sec. 1681i ( a ) ( 1 ) ( A ),! 1681 ( a ) ( 1 ) ( B ) and 1681i ( a ) ( 1 ) ( C ) executes my rights for investigation and extension period for said investigation.

Law U.S.C. Sec. 1681i ( a ) ( 2 ) covers promptness how bureaus must handle notifications Law U.S.C. Sec. 1681i ( a ) ( 3 ) covers if and how you, XXXX and other bureaus determine if a dispute is frivolous or irrelevant. 
Law U.S.C. 1681i ( f ) ( 3 ) states how a CRA notifies a consumer through a reseller and others Type of Account : Bankruptcy : XXXXXXXX XXXX  Please provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect. 


Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collection Account : XXXX XXXX XXXX Account NumberXXXX Collection Account : XXXX XXXX Account Number : XXXX Paid Account/Late Payments : Account : XXXX XXXX Account Number:XXXX Account : XXXX  XXXX Account Number:XXXX Account : XXXX XXXX  Account Number:XXXX Account : XXXX  Account NumberXXXX Account : XXXX XXXX Account Number:XXXX Account : XXXX Account Number : XXXX Account : XXXX XXXX Account Number:XXXX  Account : XXXX Account Number:XXXX  Account : XXXX Account Number:XXXX  Account : XXXX  Account Number:XXXX Account : XXXX XXXXXXXX XXXX XXXX AccountXXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also know I am eligible receive the updated report after you investigate. Also, please let me know who had access to my file. I want the investigation outcome to be sent to my mailing address here : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midw est Recovery Systems XXXX. XXXX  XXXX XXXX, MO XXXX Balance {$2100.00} Has negatively reported on my credit report for the passed 5 months with no verification impairing me from using my credit properly. 
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Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2024 Got a call from The XXXX Police Phone # saying that my identity is being misused for wrong reasons. 
Police Chief from XXXX XXXX XXXX was schedule SSA Appointment to report Identity Theft. But Documents required for Appointment was XXXX Letter from DO Treasury due the reason that My identity was used for Money Laundering. 
For the Letter I was Asked to CBP Special Agent : XXXX XXXX as investigating Officer. 
Forn them XXXX XXXX terrorized me for 4 weeks with documents sent thru FAX to me about the Identity Theft Case, basically he mentioned in order to get XXXX from DOT DHS has to close all my bank accounts and issue Identify. 
For that XXXX XXXX asked to Transfer all the Money to XXXX XXXX XXXX Escrow Account DOT Escrow Account so that I get the XXXX approval. 
As soon as all this started, I have to call him every day before I step out my home due to the ongoing investigation. But lately he was not responding to my calls and not giving any updates on the case. 
XXXX XXXX sent couple of IRS documents to sing and forwarded to DHS in the process I was forced to wire transfer {$280000.00} to a domestic wire transfer from my IRA and My daughter XXXX money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX about payments I paid XXXX for my car every week I told them come pick it up because they wouldn't fix it also this was second car XXXX on got next day took XXXX quit on me at gastation had just left lot this deal ship doesn't care about nothing but money said it wouldn't be on my credit because they also said they sold car and sent me a letter said I supposed got remain balance I never got a dime I just want this off my credit and XXXX supposed investigatied it but want
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX, XXXX. XXXX
Product: Student loan

On XX/XX/XXXX, Mohela transitioned to a different online platform. Mohela forget to bring records of my 2 previous payments to the new platform. On XX/XX/XXXX, I had brought this to their attention, but they don't have any records of this or acknowledge it at all. I have both transactions of my student loan payments from XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. It also seems like they are restarting my loan from the beginning.
Product: Checking or savings account

My Chase was closed and there no information given to me as to why. Both my checking and credit card were in good standing with no late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # SS XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX  TransUnion XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX-XXXX  and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from TransUnion and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Product: Debt collection

AR Resources has violated my federal consumer protected rights! I have attached documents for further explanation of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd time that this company fails to report accurately. Current XXXX/XXXX credit report shows : 1. Last payment as XX/XX/2019, this is wrong last past was XX/XX/XXXX, and the balance to the account wrong. The account is current right through today XX/XX/19 2. Hyundai fails to report accurately on scoring, missing 2 months of scoring. This affect overall credit score.
Product: Debt collection

The call came from this phone number : XXXX ( my XXXX said the location of that number is XXXX, TX ) and they claimed to be a debt collections agency called CONSUMER COLLECTIONS. They claimed that I had a XXXX XXXX  done on XX/XX/2018 by XXXX XXXX and that XXXX sold my late bill to them. The bill was for {$480.00} and they said that there were late charges tacked on to it. They had an old address and claimed the bills had been going there. They also said they'd take {$100.00} off if I paid today, right now, otherwise the bill would be " sent in '' ( to where? ) and it would increase. They did not take credit cards, only debit cards. 

I called XXXX XXXX and they said they did not have an open invoice, nor could they find the record for XX/XX/2018 of a service performed. I called CONSUMER COLLECTIONS back and they said that's because XXXX  no longer owns my records CONSUMER COLLECTIONS does, and XXXX does not have my info because they no longer own the data. 

I asked XXXX to share with me all of the debt collections agencies they've worked with since 2018 and none of them are CONSUMER COLLECTIONS. 

When I called them back, they were very aggressive with me and said they'd send my debt to all of the credit agencies and send it in " for judgement ''. I have no idea what that means. I also asked them for their website, which they said they did not have because they're not required to, as they don't sell any product. They would not send me the bill in question until after I made my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, For the second time I am complaining with you guys about a " ton '' of wrong information on my Transunion credit report and inquiries not made by me. I told transunion in many occasions during this year, thru their customer service lines, about the names and addresses that are not mine and about a name change that was not authorized by me. 
I placed a security freeze on my social security number and a week later I had an unauthorized inquiry at the island of Puerto Rico, really?? after a security freeze? 
I told transunion my name, address, social security number the names and addresses that are wrong and that my name is the only name that should be in any credit report under my social security number. You know what they did? they send me a report with my address, file number and the wrong name, AGAIN!! and all the wrong info is still there!!! 

I even placed a complaint with you guys and you did nothing! THE PROBLEM IT IS STILL THERE AND IS AFFECTING ME!!!!!!! big time. 

Transunion also even lowered my score 70 points on XXXX XXXX right before hurricane Irma hit Florida, in one day with any wrongdoing from my part and without any notification or reason of why they did it. At that moment I had two secure loans both paid in time every time, and that after I placed my complaint with you and the FTC both useless, because they are still providing wrong information under my social security number. Two years of hard work to improve my score and BOOM!! GONE IN ONE DAY!!
Product: Mortgage

The servicer did not pay the insurance as promised therefore, causing it to lapse.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to indequate customer service and unfair practices. Which violate the consumer financial protection act. ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account open and vulnerable. The dispute process was completely unfair with no one to talk to and no one to resolve any of the issues with my account personal and business cash app account with block inc as they did not comply with the error resolution requirements under the electric fund transfer act ( EFTA ) and regulation E. This has caused significant inconvenience to my business and to my personal life and I would like to seek appropriate redress of this matter.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of all fraud alerts, fraud notations, and any other related items associated with my credit profile. These alerts were either incorrectly applied or are no longer valid and must be removed from my credit report and profile immediately.
Product: Credit card

I received a letter in XX/XX/year>, 10 days after the date it was printed from WFB without a signature, or direct contact line, stating that if I did not provide my tax returns by FAX or at a WFB branch in 17 days, my small business credit card, which I have had for 24 years would be closed. I am at my second home in OK helping my daughter with her XXXX XXXX year old while we wait for her to deliver a new baby. My primary residence is in TN. I plan to be here until XXXX. My taxes are in TN. There were only two ways provided to deliver the taxes, by fax or take to a WFB branch. My tax returns are dozens of pages. IF they were here in OK, it is {$3.00} per page to fax. WFB has closed all branches in OK, so I could not do that either. I sent a letter to XXXX XXXX, Head of Small Business cards, XXXX XXXX XXXX, XXXX XXXX XXXX, Delaware XXXX on the XXXX of XXXX. I have received no response. I called the phone bank number on the letter and asked for an extension. They said that wasn't possible. I filed a Case with Wells Fargo, Case # XXXX. I received the same response, " send taxes by XX/XX/XXXX or we are closing your small business card. 

I want an extention to file my taxes until XXXX. I don't believe it is fair to demand this on such short notice. Wells Fargo again, demonstrates they could care less about the 24 year relationship I have had with them.
Product: Credit card

I was notified of an autopay transaction was returned/failed. At the time, I had 2 bank accounts along with 2 comenity accounts open credit lines. My former spouse accessed additional accounts without permission and closed 1 of my 2 bank accounts without any notice. Comenity called, immediately gave information to my 2nd bank account to process 2 payments one for XXXX & 2nd payment of XXXX immediately for current due monthly on a new hardship program until i could untangle all affected from ex spouse actions. Along with authorization in 5 days to charge bank account XXXX more that would have covered the returned payment since monthly had only been {$81.00} a month. My credit score has declined close to 180+ points, shows I'm past due for the last 90 days. I've disputed to bureaus 4 times with bank account showing every month of payments. This particular account has been active since XXXX, never have had a negative report to my history as I take high pride in keeping my 20 year flawless credit history. I've contacted by message accouny portal in XXXX plus via phone to hardship last week and asked to be removed while advised by them not a good idea. Transferred to the reporting side of company. After investigating by that associate it appears they applied my XXXX payment to wrong comenity account leaving me past due All this time. Advised to send message thru account online secure method to have it investigated while she was going to put comment on account showing what her findings were to make it easier for next person to see after it took 2 hrs to get to this point on phone. Due to this companies reporting I have lost NUMEROUS open credit lines. Credit score has decreased significantly. I've paid off most accounts due in good standing in attempt to not have report affected. All accounts I've ever had, were in good standing besides XXXX account with comenity and immediately gave authorization to be current up to date no negative past due. Along with XXXX XXXX which I am still dealing with, although only 1 time of negative reported in XXXX also even after I paid XXXX payment on suv loan after they allowed former spouse to defer payments when he was ordered in decree that it was my vehicle only. I am seeking enforcement of garnishments from his employer for this account due to alimony awarded in decree to pay amount to cover this expense. I've offered to pay off account with XXXX. This reporting does not accurately reflect my character as credit history means more than anything to me as I've heard former spouse recently threaten bankruptcy again to avoid alimony payment after due diligence by myself to bring his credit higher than my own following his last bankruptcy irresponsible spending. XXXX years of perfect credit, always paying bills as top priority to the point of not having food to eat for myself to pay sure kids fed well, and all debts were paid on, on time. Irs has even had identity fraud by pin on my information. Also a fraud alert placed on credit with bureaus with all disregarded by comenity.
Product: Credit reporting or other personal consumer reports

Subject : Final Demand to Remove Fraudulent Accounts Listed in FTC Report To Whom It XXXXay Concern : I am writing this letter to express my utter frustration and anger at your blatant disregard for the law and my rights as a consumer. Over one month ago, I submitted an FTC Identity Theft Report to your offices, along with all supporting documentation, demanding the immediate removal of fraudulent and inaccurate accounts from my credit report. To date, you have failed to act.

This inaction is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires credit reporting agencies to block fraudulent information upon receipt of an FTC Identity Theft Report. Additionally, under FCRA 1681e ( b ), you are legally obligated to ensure the accuracy of the information you report. By continuing to report these fraudulent accounts, you are willfully disregarding your legal obligations and causing significant harm to me and my family.

The data on my consumer report is a direct result of identity theft. I did not authorize the inclusion of any identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer.

Your failure to act has placed an undue burden on my life and my familys well-being. These fraudulent accounts have caused me undue stress, denied us financial opportunities, and impacted our ability to secure basic necessities. This is unacceptable. 
My Demands : XXXX. Immediate Removal : You must remove all fraudulent accounts listed in my FTC report from my credit file within four ( 4 ) days of receiving this letter. 
XXXX. Written Confirmation : Provide written confirmation of these removals. 
Failure to comply with these demands will leave me no choice but to escalate this matter further. This will include : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seeking legal action to enforce my rights under the FCRA, at which point you will be liable for statutory damages of {$1000.00} per violation, as well as punitive damages, attorney fees, and any additional costs. 
Your failure to address this matter promptly reflects a complete disregard for the very laws that govern your industry. I demand immediate action to rectify this situation. 
Sincerely, XXXX XXXX Fraudulent Accounts XXXX XXXX XXXX  with account number : XXXX XXXX  with account number : XXXX XXXX XXXX XXXX with account number : XXXXXXXX XXXX XXXX XXXX  with account number : XXXX XXXX  with account number : XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We were in the process of paying off our mortgage with Quicken Loans. We looked on the website to attempt ordering a payoff quote or identifying the wire instructions, but they don't make them available to the customer. Now I understand why, we called and as soon as that payoff was ordered, we were assessed a {$25.00} fee for ordering a payoff, not to fax it or email or send it overnight ... Quicken charges all their customers {$25.00} for just ordering a payoff statement. Their practices seem very deceptive and unfair to the customers, as they don't provide info on their website, but force their customers to call in and charge the fee. 

We have attempted to resolve the issue with Quicken, but they are refusing to refund us this unreasonable fee.
Product: Checking or savings account

I am re-opening investigation into the CAPITAL ONE complaint for the CFPB Complaint ID : XXXX In the complaint they attached a letter with a bogus explanation along with a bogus phone number I have the backing of XXXX who has stated in writing that this was a legitimate refund.
Product: Mortgage

I was in the process of buying a home in XXXX, Fla. under my VA eligibility loan and the lender had already approved my for {$300.00} and was asking my for all type of different Documents, IDs, old mortgage and bank statements which we faxed or sent to them. My realtor XXXX XXXX in Fla. said to us that he had never seen a mortgage Co. ask for so much different stuff for a mortgage loan. After all of this went down, and knowing that my VA loan is no money down {$0.00} they had us to wire them {$1.00} plus them made us pay for the termite inspection {$450.00} and the property inspection {$150.00}. After that they wanted clear pictures of My wife and I IDs which I had sent them before via fax now I did them on my phone. I was two days before closing, they told us that we they were not going to give us the loan. We believe that the seller saw that we were XXXX and the home we were buying was in a gated neiborhood. They then sent us a form of release of our funds to sign and we sent that back to them. After a few days went by on the weekend, that Monday morning they sent me a email stating that they would not give us our money back because my wife before we were married, her home was in a reverse mortgage and I had sent those papers to them long before we wired them the money. If that was the case they should have stopped the whole process than. The Mortgage Co. is CityWorth Mortgage in XXXX, VA.