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

I am contacting you because I was a victim of identity theft I sent all proper documentation to Transunion and they failedtofollow ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.. 
I contacted the Federal Trade Commission and filed a complaint # XXXX and are attached And the tracking number of the XXXX XXXX XXXX Account Number : XXXX This will be reported to the CFPB, the XXXX  and the general attorneyimmediately!!!
Product: Checking or savings account

Some of my accounts were closed unfairly and till today some of my money hasn't been returned to me. I feel i was being discriminately stereotyped. I have proof of my business partner sending me checks to buy materials for the renovations of the properties we were paid to do, When the first check came in on the XXXX of XX/XX/year>. My account was frozen, i went to the bank countless of times, i demanded answers from them, i was told to contact my business partner to contact them. He did contact them and sent all the proof to show that the money was sent by him, Hence, they refused to release the money, they closed my account, and they told me that they don't have my money with them. I contacted my business partner to ask if they had returned the money to him, he said no. I feel the bank cheated me and also closed my account unfairly. 

My other account was also closed because of another check that was sent to me on XXXX of XX/XX/year>. The bank manager told me the check bounced. I told my business partner about it ; he went to his bank to get a proof that the payment went through. On getting the proof, i took all the proof and confirmation from his bank to my bank, when i got there, they couldn't deny that they didn't have my money with them anymore, they wrote me a cashier 's check and my account was closed same day because i confronted them that they wanted to steal my money. 

I have series of events that my account has been closed because these people look down on me and they feel that i can have such money in my account. I have been abused mentally, whenever money comes into my account, it gets frozen and they ask me to come with proof, whenever i bring the proof, they still won't give me my money, upon that, they will close my account. I wish and hope this whole thing can get fixed soon. 


I'm going to attach the copies of the checks, letter of confirmation from my business partner 's bank to confirm that the monies were debited from his account. Only one of the banks released the money that was meant for the building materials, the other bank still has the money with them, and they have closed my account.
Product: Student loan

Loan dates were from XXXX XXXX XXXX. Attended XXXX XXXX where I was persuaded to take out the max amount on costly private loans where interest rates were not disclosed until until a few months prior to graduation. Loans originally serviced through XXXX XXXX, now Navient for Priviate loans & through XXXX XXXX, then Navient XXXX now XXXX for federal loans. Federal loans are currently consolidated with loans from a different college All of my private loans I attempted to pay, though it took years for XXXX XXXX to offer me rate reduction and instead they continued putting me on forbearance which costs more in the long run. In XXXX I was told that I could get on rate reduction ONLY IF I made my account current. I had just come into some inheritance so I did just that and was told that I no longer qualified for rate reduction as my account was current and thus the whole cycle of almost going into default happened again. 

ALL PRIVATE LOANS BELOW- XXXX loan taken out- XX/XX/XXXX was for {$34000.00}, with a XXXX XXXX interest rate that accured while still in school adding an additional {$17000.00}. Payments at XXXX XXXXXXXX ( XXXX payments total ) = {$130000.00} by the time they would get paid off. Loan monthly payment was no longer affordable and Navient refused to keep me on a rate reduction program and stopped paying the loan in XX/XX/XXXX. XXXX sent to default. 

XXXX loan- XXXX {$2100.00}, XXXX XXXX interest rate originally and now at XXXX XXXX interest, owing {$3300.00} at end of schooling & currently still owing {$3300.00}. Payments at $ XXXX ( XXXX payments total ). Currently paying $ XXXX on this loan. 

XXXX XXXX disbursed XXXX $ XXXXXXXX XXXX XXXX interest rate ( now 10 % ), owing {$42000.00} at endof schooling, payments $ XXXX ( XXXX total ). Co-signed by my XXXX XXXX XXXX grandmother. Currently attempting to pay on rate reduction. Loan amount still owing is {$40000.00}. 

XXXX loan- XXXX $ XXXX 10 % interest rate. currently attempting to pay on rate reduction. Currently owe {$29000.00}. 

XXXX loan- XXXX $ XXXX interest rate XXXX XXXX ( info not available on how much accrued before school was out ), $ XXXX payments. Considered paid in full XXXX loan- XXXX {$17.00}, XXXX interest rate XXXX XXXX  monthly payments of {$230.00} for XXXX months. no info on how much interest accrued before graduation. Considered paid in full FEDERAL LOANS- XXXX XXXX XXXX XXXX {$5500.00} XXXX loan- Unsubsudized- XXXX {$5000.00} XXXX loan- Subsidized- XXXX {$3000.00} XXXX loan- Unsubsudized- {$5300.00}
Product: Checking or savings account

On XX/XX/XXXX my Cash App card was charged by XXXX  {$9.00} and {$62.00} I contacted XXXX advised my card have been charged for two different amounts which neither has been authorized by me. I was advised they would issue a refund for the charges. On XX/XX/XXXX there was a credit for {$9.00} from XXXX. I gave several days so it would have time to post to my account. I never received credit for {$62.00} I called XXXX everyday for several weeks, I was never able to get someone to return my call. I then contacted Cash App and gave them the same explanation I have just provided. I received notice on XX/XX/XXXX the investigation was complete and they felt the charge was made by me. I contacted Cash App stated I would like to see the proof as to how they determined I made the charge. I wanted to see where I had signed for the and proof where the card had been presented. They were not able to provide anything as to how they were able to prove the charge belonged to me.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are two accounts in negative standing appearing on my credit history. I was not aware that there were accounts in negative standing on my credit report and when I looked through a copy of my report, I realized that those accounts are not mine. The accounts that do not belong to me are from two companies which are  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to these companies in any way ; I do not have any written or verbal contract with them nor did I gain anything from these accounts that were opened without my permission such as money, goods, services or any other benefit. I also did not take part in any payments that might have been made towards these accounts. I have already filed a police report regarding these suspicious accounts.
Product: Checking or savings account

I opened an account with Robinhood and deposited {$15000.00}. I made a couple purchases over a couple days. I was then advised to close the Robinhood account because they are terrible about putting accounts on hold and not allowing people to access their own funds. Robinhood allowed me to transfer back some of my money to my bank but then put my account on hold indefinitely. Robin Hood then requested docs from me to prove my identity. I provided everything they asked for : scan of my face, copy of my FL DL and my most recent bank statement. Robin Hood then posted a message my account should be released by XX/XX/XXXX. Today is XX/XX/XXXX and my account is still on hold. Robinhood just keeps changing the date this will be resolved. I have sent Robinhood several messages but still no response. I guess they are allowed to do this, as I see this happens to customers of Robinhood all the time with no recourse. This is theft.
Product: Credit reporting or other personal consumer reports

Equifax violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their automated last response stated everything was complete and accurate can you please help me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Unfortunately back XX/XX/XXXX I fell behind 2 months on my mortgage. I attempted to get caught up but the lender refused to take my payments and wanted a full repayment which I did not have at the time. So instead of getting back on track, I was forced to fall further and further behind. I have been submitting documents to Amerihome since XX/XX/XXXX for loss mitigation and foreclosure alternatives. I have supplied endless amount of documents and requested information all in timely manner. I have been told several times my file is in underwriting only to be told additional information is needed. On XX/XX/XXXX a representative informed me that the sale has been placed on hold and my file again was in underwriting. When calling back Friday XX/XX/XXXX, I am now told that the file was never being reviewed and the sale is now in fact active again for XX/XX/XXXX although a bankruptcy was filed on XX/XX/XXXX. Not only did Amerihome Mortgage acquire the debt of my loan AFTER I was already in default, they proceeded to file a Notice of Trustee sale while I have been in an active loan modification review since XX/XX/XXXX. The notice was filed in XX/XX/XXXX, clearly violating HBOR laws and dual tracking. I am now facing a foreclosure and forced with no other options because I am repeatedly lied to by this company.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX, account # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vi, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX - XXXX {$2500.00} Account Name : XXXX # XXXX - XXXX XXXX$2500.00} Account Name : XXXX # XXXX - XXXX {$600.00} Account Name : XXXX  # XXXX - XXXX  {$1900.00} Account Name : XXXX XXXX # XXXX - XXXX  {$120.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} Account Name XXXX XXXX  # XXXX - XXXX  {$1400.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  {$1900.00} Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX {$610.00} Account Name : XXXX # XXXX - XXXX {$1500.00} Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Consumer Loan

On XXXX I purchased a XXXX VW Jetta GLI from XXXX XXXX in XXXX, AZ, financed through Wells Fargo Dealer Services ( WFDS ). At the time of purchase and completion of the sale I maintained a current and valid auto insurance policy through XXXX. This auto insurance policy was listed and on file ( agreement to purchase insurance ) at the time the sale was completed. On XXXX/XXXX/XXXX I contacted my auto insurance to confirm this purchase and addition of my new vehicle. It should be noted that I took possession of the vehicle from the on Monday XX/XX/XXXX. 

A month later WFDS sent a written request notifying me that I needed to purchase insurance and list WFDS as the payee in the event of a loss. I resubmitted proof that I maintained insurance on the vehicle via WFDS ' website XX/XX/XXXX. 

XX/XX/XXXX I began receiving multiple phone calls per day from WFDS in an attempt to collect a debt for not maintaining insurance on this vehicle. For a third time, on XX/XX/XXXX I re-submitted proof of insurance as well as a letter to WFDS. Since this time I have received no further response in writing. The phone calls to collect the debt which I do not owe have continued.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I filed bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. The account we are having problems with is a private student loan that I was a co-signer on for XXXX  XXXX XXXX account # XXXX. This account was discharged in the ch. XXXX bankruptcy making myself no longer legally responsible for this loan, and No account balance or delinquency should be shown on this account on my credit report. The credit agency Equifax absolutely REFUSES to report this information correctly. Equifax is still stating that this account is delinquent and that a current balance is owed. Even though on XX/XX/XXXX, Equifax, sent me a credit file Confirmation # XXXX stating that they hired a third party vendor named XXXX, and that company determined that US Bankruptcy Court-XXXX Discharged this XXXX  XXXX XXXX account in a Ch. XXXX bankruptcy on XX/XX/XXXX Case # XXXX. The credit file also states that the account with Equifax has been updated to show that it was included in the bankruptcy and that there is no amount past due, no payment amount due, and no balance. Yet with all this information that has been provided to Equifax over the last 8 YEARS, multiple times, this company still ABSOLUTELY REFUSES to legally report what was ordered by a court of law. I have filed a complaint with the CFPB before on this matter, I have made several calls to Equifax, and I have also requested help with a credit repair agency. Enough is Enough. I want this situation rectified immediately. This company has illegally harassed me long enough.
Product: Debt collection

I am writing to address an incorrect debt that has been reported to credit agency, claiming that I owe an organization a sum of money for a health club membership at XXXX XXXX. However, I want to clarify that this debt is not valid, as I canceled my month-to-month membership with XXXX XXXX due to insufficient usage.I contacted XXXX XXXX  on in 2022 and spoke with a representative to cancel my membership immediately.To my surprise, I discovered that an entry for this alleged debt appeared on my credit report, attributed to Aldous and Associates. I believe this entry to be inaccurate and unjust, as I fulfilled all necessary procedures to terminate my membership and stop any further charges.
Product: Credit reporting

I have disputed the inaccuracy reporting by the credit agency and have asked them to provide information of they results as well as the reporting individuals name, address, phone number and other identifying information. The credit bureau responded that the information was verified to be correct. They advised the reporting company was the XXXX Bankruptcy Court located at XXXX XXXX, KY XXXX. I mailed a letter certified to the whom they advised reported this information and the letter was retuned as undeliverable. They did not provide a name or a number for the reporting agency so I researched and found a number to make contact. The XXXX court advised that they do not report to credit agencies and could not locate any records that belong to me.
Product: Credit card or prepaid card

XX/XX/2022 credit card balance was decreased from {$1000.00} to {$300.00}. Reason because Im over the balance regularly and high utilization. Im never over the balance not once. I called to get a reason why the decrease because it dropped my credit score XXXX points but Im told the letter that was sent is confidential and no one could tell me why,
Product: Credit reporting or other personal consumer reports

request transunion investigate on the items i disputed and they was came back in under 24 hours
Product: Mortgage

I recently had a loan modification done with Ocwen and I mailed Ocwen money orders on two occasions one in XX/XX/XXXX and again in XX/XX/XXXX in the amount of {$3800.00} as of today they refuse to post the payments to my account. When I spoke to Ocwen on XXXX XXXX 2018 the relationship manager told me that the might not be able to accept my XX/XX/XXXX payment because she is not sure if they are going to accept the {$3800.00} I have to wait on the loan modification team. Ocwen is very unprofessional in dealing with home owners mortgage and most of the time the reps all give you different answers to questions ask and also concerning your loan with them. This is very stressful for me not knowing what is going to happen with my home,
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: 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 Committee 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 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/XXXX